What you'll learn

• 1 (00:24) **Cold Open & First Call: Combining Finances in Marriage** - George and Jade take a call from Max, a newlywed in Boston, who is unsure if he should help his wife pay off her $75,000 in student loan and car debt.
• 2 (10:24) **Second Call: The $3.5 Million Chicken Farm Dream** - Ryan from Philadelphia calls to ask if he should take on $3.5 million in debt to start a chicken farm, despite having no experience and making $40k a year.
• 3 (22:01) **Third Call: Infertility Treatments vs. Paying Off Debt** - Angela from Washington D.C. asks if she and her husband should pay off debt or save for future infertility treatment expenses, given they have a grant for one treatment in September.
• 4 (25:35) **Fourth Call: Getting Out of a Bad Car Loan Before Marriage** - Zephaniah from Austin is $28k underwater on a car loan with an 18% interest rate and wants to be debt-free before his wedding.
• 5 (32:52) **Fifth Call: Paying Off Business Debt with Personal Savings** - Jim from Laredo has $190k in business debt (trucks and trailers) but also has $320k in a high-yield savings account and paid-off rental properties.
• 6 (40:14) **Sixth Call: Lump Sum vs. Dollar Cost Averaging** - Landon from Rochester, who is debt-free and on Baby Step 4, asks if he should invest a lump sum into his Roth IRA at the beginning of the year or spread it out monthly.
• 7 (43:59) **Seventh Call: The Mental Load of Being the Family CFO** - Sarah from Baltimore is stressed because she feels solely responsible for the family's financial decisions, while her husband is "bad with numbers" and just agrees with her.

+ Full timestamped outline available in the app