Hour 3: Aired on Monday, April 18, 2016

- Dave reads a Wall Street Journal blog that reports 57% of Americans say income taxes are too high.

- Dave rants about how 45% of people pay no income tax and everyone should have skin in the game.

- Kristen (Atlanta) wonders if she should buy a rental property and use that address to put her kids in better schools.

- Collette (Phoenix) wants to know if she should take a new job or stay at her current one.

- Brandon and Kenisha (Tupelo, MS) are debt-free after paying off $31,100 in 20 months!

- Dave talks about the presales of Rachel Cruze's new book "Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want."

- Maria (Fort Worth, TX) says she and her husband disagree on budgeting $150 a month to give to elderly family members.

- Dave reads the Scripture and quote of the day.

- Josh (Edmonton, Alberta, Canada) wonders how he can supplement his ministry income.

- Kevin (Sacramento, CA) asks what his retirement approach should be since he has rental properties but no liquid retirement savings.

- Dave reads a Twitter question from Stephen, who wants to know Dave's opinion on modular or prefabricated homes.