Hour 3: Aired on Monday, May 2, 2016

- Dave talks about the $20,000 Rainy Day Giveaway and the$10sale at DaveRamsey.com.

- Patricia (Birmingham, AL) wonders how long it will takehertopay off her debt based on her debt-to-income ratio.

- Jonathan (Houston) asks if he should continue with schoolorfocus on his business.

- Dave talks about how the show is now streaming on YouTube.

- Logan and Rachel (Nashville) are debt-free after payingoff$176,000 in 19 months!

- Scott (Dayton, OH) asks if the drop in mortgage percentageisworth it to refinance.

- Dave welcomes guest Rachel Cruze, and they talk aboutpre-salesfor her book "Love Your Life Not Theirs: 7 Money Habitsfor Livingthe Life You Want," as well as debt amongmillennials.

- Amy (Ann Arbor, MI) asks how to start budgeting when youhavedebt.

- Dave reads the Scripture and quote of the day.

- Dave promotes the Smart Conference in Los Angeles andRachel'sSmart Money event in Tucson.

- Isis (Tampa) is getting pushback from family when theytalkabout working to become debt-free.

- Dave plugs Rachel's upcoming events and book.