Hour 3: Aired on Friday, May 27, 2016

- Maggie (Richmond, VA) wants to know if in vitro fertilization is worthy reason to get a loan.

- Lamar (Atlanta, GA) read The Total Money Makeover book and is inspired to get on track but has questions about budgeting.

- Maria (Tampa, FL) is in debt and asks Dave if she should buy a house to rent out to an employee.

- Joe (Visalia, CA) says his mother is ill and can't pay her bills. He wants advice from Dave on how to help her.

- Crystal on Facebook wants to know how confident she should be in her pension.

- Ben and Madeline (Athens, GA) paid off $42,000 in 28 months and are debt-free!

- Jessica (Grand Rapids, MI) is currently on Baby Step 6 and asks Dave how to save for a dream home while paying off the current home.

- Christina on Facebook wants to know whether she should opt out of Social Security.

- Rick (Charlotte, NC) asks Dave whether he should switch his investments to a Roth.

- Deann (Houston, TX) says her friends are advising her to invest more instead of focusing on paying off the house. She wants clarification from Dave.

- Philip (Oklahoma City, OK) asks whether or not he needs an associate's degree.

- Kat on Twitter asks if she needs an attorney in order to draft a will.