Hour 3: Aired on Thursday, April 21, 2016

- Stephanie (Houston) says her husband wants to buy a house closer to where he works, but she doesn't want to get a mortgage.

- Robin (Saskatchewan, Canada) is concerned about going into debt if her husband accepts an opportunity to buy the family farm.

- Tanya (Los Angeles) wonders which investment options she should take to maximize tax deductions.

- Gina (Philadelphia) doesn't understand budgeting and the envelope system. She also asks about cashing out a whole life insurance policy to get the debt snowball rolling.

- Sherwood Oaks Christian Church (Bloomington, IN) is a debt-free church whose members have paid off $4.3 million in 30 months!

- Dave reads the Scripture and quote of the day.

- Josh (Canada) says he is going to the mission field in Africa for two years and wonders what to do with the money he has saved.

- Spencer (West Palm Beach, FL) asks if he should incorporate his side business.

- Mary (Baton Rouge, LA) says her mortgage company applied extra payments incorrectly.