Hour 3: Aired on Friday, April 22, 2016

- Matt (New York) asks if he should pay off student loans or save money.

- Andy (Virginia Beach, VA) wonders if he should refinance his house.

- Dave reads the Blinds.com question of the day from Brian, who wants to know if he should cash in $19,000 in mutual funds to get his debt snowball rolling.

- Anthony (New York) is ready to move out of his parents' house since he has a full-time job.

- Lindsay (Wilmington, NC) wants to know how much to spend on a car.

- Dave reads a Facebook question from John, who asks if a person can move money from their IRA to their spouse's IRA.

- Dave reads a Twitter question from Danielle, who wonders if she should cash out her daughter's $50 savings bond and put it in an ESA or a 529 plan.

- Gayle (Phoenix) wants to know how to pay extra on student loans without the payment going toward interest.

- Ron (La Crosse, WI) asks about the best way to pay off a student loan.

- Zach (Peoria, IL) asks if he is building a house that's too big.

- Jordan (Denver) is relocating while in Baby Step 2 and has a question about buying a home.

- Dave reads the Scripture and quote of the day.

- Tony (Modesto, CA) wonders if he should rent out his home and live in his RV.

- Ashley (Silver Spring, MD) asks if her husband should go to graduate school and how they can make it work financially.