Hour 3: Aired on Wednesday, May 4, 2016

- Rob (Minneapolis, MN) asks how to support friends when one spouse is on board with a plan and the other isn't.

- Paul (Orlando) wonders if he should consolidate his $50,500 in student loans.

- Will (Chicago) wants to know if he should refinance to a conventional mortgage.

- Dave talks about the $20,000 Rainy Day Giveaway and the $10 Sale.

- Michael (Dallas) asks if he should buy a house or rehab his current one.

- Allegra (Kansas City, KS) wonders how much she needs in the emergency fund.

- Dave reads a Twitter question from Ryan, who has a question about determining how much house you can afford.

- Heidi (Denver) is debt-free after paying off $36,000 in 15 months!

- Bill (Akron, OH) asks Dave his thoughts on whole life insurance for a newborn.

- Dave reads a Facebook question from Nancy, who wants to override a rate increase on her long-term care insurance.

- Dave reads the Scripture and quote of the day.

- Jason (Athens, GA) says his life expectancy is about 10 years and wonders if he should save more than 15% as part of Baby Step 4.

- Dave reads the Blinds.com question of the day from Jesse, who asks how to fight the urge to spend too much money on himself.

- Kim (Tucson, AZ) asks about selling her house to pay debt.