Hour 3: Aired on Monday, May 16, 2016

- Dave talks about our YouTube channel.

- Helen (Houston) wants to know if she has too much money in the bank.

- Dave interviews Helen, who is a millionaire in her 70s and saved throughout her working life to become rich.

- Dave talks about EveryDollar.

- Eric (Rochester, NY) asks about paying new debts versus old debts in the debt snowball.

- John (Greenville, SC) wonders how Dave got a checking account for his kids.

- Eric (Lexington, KY) wants to know how to stay motivated after Baby Step 3.

- Dave reads the Scripture and quote of the day.

- Ethan (South Bend, IN) asks about the next logical financial step he can take after graduating college.

- Lou (Allentown, PA) has a question about setting up a lease with an option to purchase on her rental house.

- Neal (Baltimore) wonders if he should drain his savings to pay down debt.