Hour 3: Aired on Tuesday, April 19, 2016

- Raymond (Decatur, IL) is 19 years old and wants to buy a house in a few years.

- Todd (Houston) says the international fund inside his 401(k) is not doing well, but the 401(k) manager thinks it is.

- Dave reads a Facebook question from Linda, who asks the best way to set up a budget when you're already behind on your bills.

- Linda (Knoxville, TN) is getting a $100,000 settlement and owes $120,000 on her home.

- Brian (Topeka, KS) paid off his debts, but it still shows up as a zero balance on his credit report.

- Mark (Orlando) wants to know what he should do with the inheritance he's receiving.

- Doug and Katy (Atlanta) are debt-free after paying off $63,000 in 12 months!

- Bob (Colorado Springs, CO) asks about borrowing to buy a resort property.

- Dave reads the Scripture and quote of the day.

- Jay (Mobile, AL) asks if he should sell a rental property that he owns.

- Nick (Detroit) wonders which debt he should pay off first.

- Philip (Bristol, TN) wants to know how to prepare for a marriage.