After teaching one financially strapped couple to recession-proof their life, Dr. Phil offers advice to a few of Rachael's audience members.

"I make minimum wage, and I've found myself in a position now where my friends call me to go out, and I can't. I don't have the money and I don't have the means. How can I go about explaining that to them without embarrassing myself or losing my friends because they will stop calling?"

Dr. Phil: "First off, don't ever, ever be embarrassed about how much money you do have or don't have because it doesn't even almost define you. You are young, you are intelligent, you are healthy, you are vibrant and how much money you have or don't have in your pocket has nothing to do with your self-worth or your viability as a friend ... If you want to be with those friends, then invite them to do things that don't cost money. Invite them to go to the park and go for a walk, go jogging, go to a museum. And you will have such freedom when you own it and say, 'That's where I am, I'm going to live within that and that's good.'"

"My husband and I have a blended family; I have twin 15-year-old girls and he has a 15-year-old son. I feel that he tends to discipline my daughters a little bit harder than he does his own son. He tends to put a spotlight on my daughters and their mistakes and with his own son he has a blind eye."

Dr. Phil: "Here's the deal: You're not their father. You were not there during their formative years. You do not have the bonding that occurs between ages 1-5 when their personalities are shaping. You're a guy who is living with their mother, and they are not going to respond to your efforts to discipline them whatsoever. You have to discipline your own children and you need to be consistent in the standards that you put out for them ... so there is a universal game plan for everybody. Negotiate it, apply it evenly, but discipline your own kids and don't cross that line."