Hour 3: Aired on Monday, June 13, 2016

- Josh (St. Louis, MO) wonders if he needs full-coverage car insurance since he can afford to replace his car after an accident.

- Tracy (Jackson, TN) wants to build her own shop.

- Colton (Phoenix) has a plan to work through college and take advantage of employer tuition assistance.

- Charles (Amarillo, TX) asks about using his emergency fund to pay off a car.

- Brian and Lisa (Pittsburgh) have paid off $52,000 in 17 months and are now debt-free!

- Dave talks about how Brian and Lisa's family tree has changed forever.

- Dave reads the Scripture and quote of the day.

- Kate (Orlando) says she and her husband are not on the same page financially.