Hour 3: Aired on Thursday, May 19, 2016

- Isaac (San Antonio, TX) is a recent college graduate who wonders if he should turn his mutual fund into an IRA.

- Dave talks about the history of the Roth IRA as well as Chris Hogan's RI:Q investing tool.

- Linda (San Antonio, TX) has an adult daughter who is making bad choices.

- Dave continues with Linda after the break.

- Keith on Twitter wants to know if it's possible to transfer a parent-plus loan into the student's name.

- Andrew and Justine (Philadelphia) have paid off $45,000 in 15 months and are now debt-free!

- Dave reads the Scripture and quote of the day.

- Dave talks about the meaning of a zero-based budget and encourages listeners to make their budgets with EveryDollar.

- Lance (Dallas) is 27 and asks if he should invest in real estate for retirement or go for a 401(k).

- Curtis (Indianapolis) has $100,000 in debt, makes $30,000 a year, and wants to do better with money.