Hour 3: Aired on Thursday, May 12, 2016

- Trey (Manchester, NH) asks if he needs to get out of a variable annuity account.

- Dave talks about active and passive investing for a couple of minutes.

- Jessica (North Carolina) wants to know if her fiancé's credit will be hurt if he accepts a credit card settlement offer, and if there are any tax implications.

- Henry (Austin, TX) owns multiple properties and wonders if he should sell any of them.

- PJ and Dana (Bristol, VA) have paid off $83,609 in six years and four months and are now debt-free!

- Caleb (Ft. Walton Beach, FL) wonders if he should use his savings to pay off his car or continue saving for an engagement ring.

- Dave talks for a few minutes about Google's decision to no longer accept ads from payday lenders.