Hour 3: Aired on Friday, June 17, 2016

 - Jesse (Anchorage, AK) wants to know how to get out of being $10,000 upside down on a car loan.

- Judy (Chicago) own a self-directed real estate IRA and wonders if it's a good choice for part of her retirement.

- Dave reads the Blinds.com question of the day from Victoria, who asks if the savings bonds she lost can be replaced.

- Keyanna (Newport News, VA) is in community college and is unsure how to pay for a four-year college when she transfers.

- Kris (Lexington, KY) asks what to do with a 457(b).

- Dave reads a Twitter question from John, who was denied long-term disability insurance for medical reasons and asks how to get some without a medical check.

- Erik and Tahnee (Brainerd, MN) are debt-free after paying off $77,000 in 33 months!

- Dave reads a Facebook question from Marshall, who wonders if he and his wife should have some personal spending money in their budget.

- Dave reads the Scripture and quote of the day.

- Dave encourages listeners to attend the Smart Money Smart Kids class.

- Debbie (Phoenix) has a question about balancing retirement funding versus paying her mortgage.

- Jeremy (Las Vegas) wonders how to handle his large but unsteady income.