Hour 3: Aired on Monday, June 6, 2016

- Ben (Charlotte, NC) has a question about down payments.

- Christine (Los Angeles) wants to know if she should pay off her mortgage.

- Dave reads a news article about voters in Switzerland.

- Michael (Durham, NC) is debt-free after paying off $54,000 in 30 months!

- Jolleen (Houston) wants to know what Dave thinks of self-directed IRAs.

- Dave reads the Scripture and quote of the day.

- Dave talks about the benefits of attending Financial Peace University.

- Sharon (San Antonio, TX) says her husband wants to buy an annuity.

- Brian (Canada) asks if he should buy term life insurance now or wait.