Hour 2: Aired on Wednesday, December 21, 2016 - Marietta (Little Rock, AR) is trying to decide whether to pay down her mortgage or build her savings. - Richard (Reno, NV) has a car lease. What should he do about it? - Cassandra (Bentonville, AR) asks if she should focus on her mortgage or investments. - Dave talks about the 12 Deals of Christmas. He encourages listeners to sign up for the giveaway at daveramsey.com. - Dave answers the Blinds.com question of the day. Grant has $12,000 in emergency savings. Should he use it to pay off debt? - Dave gives stats of debt-free screams through the years. - Kyle (Clarksville, TN) asks if he should sell his rental. - Thad and Lisa (Norman, OK) give their debt-free scream from the lobby. They paid off $359,354 in 10.5 years! - Tom (Boise, ID) is considering staying on a 30-year mortgage and paying twice a month. - Nathan (San Antonio, TX) wants to know how to help his 17-year-old with his savings.