Hour 3: Aired on Monday, May 23, 2016

- Lauren (Shreveport, LA) earns too much to qualify for Roth IRAs.

- Shane (Wichita, KS) wonders if he and his wife should combine bank accounts.

- Penelope (South Bend, IN) asks if she should include her mom's parent-plus debt in her own debt snowball.

- Dave talks about iHeartRadio.

- Mike (St. Paul, MN) is trying to avoid filing bankruptcy.

- Jonathan and Jennifer (Chicago) are debt-free after paying off $34,000 in 17 months!

- Tim (Louisville, KY) doesn't have the employment history to get a manually underwritten mortgage.

- Cody (Lakeland, FL) doesn't know if he can afford a new house.

- Dave reads the Scripture and quote of the day.

- Shelly (Phoenix) wonders if she should use money from her 401(k) to pay off debt.

- Craig (Miami) wants to know if it's all right to buy a house while he has student-loan debt.