Hour 3: Aired on Monday, March 21, 2016

- Albert (Denver) is a Financial Peace University coordinator who has a student considering debt consolidation.

- Dave talks about his most popular class, Financial Peace University.

- Josh (Midland, TX) wants to make sure that a career change with decreased income is beneficial for his family.

- Rachel (Bend, OR) is comparing life insurance policies and needs Dave's help to determine which is better.

- Dave talks about Zander Insurance.

- David and Regina (St. Louis, MO) are excited to scream that they've paid off $143,000 in 38 months and are now debt-free!

- Dave talks for a minute about how important it is to be intense when pursuing debt freedom.

- Dave reads the Scripture and quote of the day.

- Jason (Knoxville, TN) runs a small business through a government entity and wants to invest for retirement and college.

- Chris (Houston) asks Dave where getting life insurance fits into the Baby Step process.