Anita in Tennessee has a husband looking for a job. He has an interview out of state, and she has some concerns. They are living paycheck to paycheck with no emergency fund. He would need to take their car to this job, which is six hours away. Dave tells her what information to ask for to calm her fears.

Leanne in Michigan and her husband have had two house payments the past few years. She is trying to sell her house, but is only getting lowball offers. That makes Dave give her three options for dealing with this.

Listener on Twitter wants to get his masters degree, but doesn’t want to finance it for $25,000. What should he do? Dave has three suggestions.

Mike on Twitter asks Dave to explain how a car lease works.

Scott asks how you maintain gazelle intensity for a long period of time. He’s running out of steam and needs some encouragement.

Carla has been spending on credit cards secretly without telling her husband. What can she do to help save her marriage?

Carolyn in Oklahoma and her husband have been separated for a year. He lives at their condo but hasn’t been paying the fees on it, and now a foreclosure has been filed. She’s on the deed of the condo and wages might be garnished. Dave explains how this is a quit-claim deed matter, and what that entails.

Adam in Maryland has a stepdad who has a car lease. His mom would like him to get out of that $450 monthly lease. What can Adam say to convince him that a lease is a bad idea? Dave doesn’t think Adam can do that, for one reason, but there might be another way.

Neil in Texas has a wife who just revealed to him that she has $33,000 in credit card debt. They have $27,000 in savings and emergency funds. Should he let them go into a delinquent state so he can settle on them? Dave wants him to address some other issues along with the money.

Stacy in Alabama and her husband are starting Dave’s plan. They make $79,000 a year and want to start a family, but they have $25,000 in debt. Should they defer the payments on their student loans until he finishes his bachelor’s degree next year?

Cliff in Alabama is thinking of defaulting on his mortgage payment for a couple of months in order to qualify for a loan modification. He bought his home at the top of the market and he’s now upside down by $25,000 on the house. Dave is perplexed by Cliff’s approach to this.

Nora in California is being sued for $7,000 in credit card debt. If they get the judgment, can they take money from her checking account?

Darlene in Texas has land and a house that is paid for. Her husband had surgery and was off work for three months. She has a part-time job and they have some debts. She thinks she needs to stop her credit card payments in order to make her insurance payments, and Dave wants her to take it one step further.

Fabian in Missouri is working the debt snowball and her husband works for a ministry that matches 100% of his retirement contributions. They have $2,300 left in student loans and she wonders if they should use the budgeted money they give to retirement to pay off the debt or contribute and get the match.

Listener and his wife wonder if they should pay off their student loan or invest the money instead. The answer is easy for Dave.

John in Texas has a gross income of $190,000, and he and his wife both owned homes before they got married. They can afford their three mortgage payments. Two homes of theirs have renters and generate cash flow and he wonders how he should handle them and the debt that goes with them.

Elsie in Virginia and her husband have $135,000 left on the debt snowball. They have a young son and she travels internationally for work. She thinks Dave says to put off getting life insurance until they are out of debt. Dave takes this opportunity to clear up a misunderstanding that she has.

Jaclyn and her husband are debt-free. They have an extra $2,000 a month that they don’t know what to do with. They have money saved for emergencies and contribute to retirement. Since he’s in the military, should they keep paying on the house if they’ll be moving in two years?

Brian and his wife have $121,000 in debt, including medical debt, car loans and student loans. He’s a church pastor who makes $13,000 a year and they are further behind each month. Should he give up being a pastor to get another job? Dave has a few other ideas to make this better.

John in Florida just started a new job that makes less than his former one. He wants to get a second job to make more, but his wife wants them to trust God to provide. What does Dave say about this? He wants them to resort to reading a book for the answer.

Listener had his pay cut by two-thirds and his creditors won’t work with him on a payment plan. What should he say to them?

Margerie in Tennessee is 85 and working on her last will and testament. She wants to leave her son some money from her $275,000 estate. Her son is 20 years from retirement and doesn’t make much. She is being advised to put the money in an annuity, but Dave doesn’t think that’s the best place.

Bob in Indiana cosigned on a student loan for his son, who isn’t being responsible in paying it. A Sallie Mae representative said he could be released as cosigner if 24 payments are made on time, but that’s not available to him because his son has missed payments. Is that right? Dave has some sad news for him.

Melissa in Tennessee had a loan company take a payment out of a checking account that she had closed. It was from an account that they have never had any sort of access to, which raises some serious confusion with Dave about something.

Jan in Tennessee and her husband have had a rough year. She has gotten a second job, but it requires a dependable car and she doesn’t have one. Her credit is bad and that prevents a car loan, and she’s wondering what she should do. Dave wants her to be wary of what this job might really be.

Jorge on Facebook asks how he can get a collections agency to send him a settlement agreement letter before he sends them money. Dave says to keep it short and sour.

Jason is 22 and about to be married. He has enough money to put 25% down on a house and wonders if he should buy now or wait and take a chance on the rates rising.

Tammy on Facebook asks if closing a credit card account ruin her credit score.

Rob in Texas has stock that was given to his wife as a baby. It has grown over the past 30 years and he is thinking about selling it to establish their emergency fund, or just saving up that money. Dave tells him why he doesn’t like single stocks and what he would do with this.

John in Illinois is engaged. His fiancé is divorced and quit claimed her part of her old house with her husband. He never refinanced to get it out of her name, and now he’s falling behind on the payments. This sounds like a serious court-related matter, and Dave tells John exactly what to do.

John in Georgia asks Dave to talk about what he thinks of gold as an investment. Dave isn’t crazy about it, to say the least.

Every day do something that will inch you closer to a better tomorrow. — Doug Firebaugh.

1 John 5:4 — For whatever is born of God overcomes the world; and this is the victory that has overcome the world — our faith.

Dave in Florida has written to three of his creditors saying he’ll start making payments in February, but they are angry about that. They are having trouble paying their bills. What should he do to prevent his money from getting messed up? With some simple discipline, says Dave.