Hour 3: Aired on Tuesday, June 28, 2016

- Rachel (Lexington, KY) is dealing with a collection agency that won't negotiate with her on her medical bills.

- Dave talks about the concept of negotiation and how it happens in America as well as other countries.

- Dave talks about Chris Brown's radio show Chris Brown's True Stewardship and its podcast.

- Chad and Tera (Champaign, IL) are excited to scream that they've paid off $113,000 in 44 months and are debt-free!

- Tim (South Bend, IN) wants to help his mother-in-law with her gambling addiction.

- Sean (Fort Collins, CO) is debt-free after paying off $26,000 in seven months!

- Dave reads the Scripture and quote of the day.

- Dave talks about Hall-of-Fame Tennessee Lady Vols basketball coach Pat Summitt, who passed away early this morning.

- Vanessa (Boston) has a question about what to do with her teaching pension.

- Donald (Wheeling, WV) wonders if he needs a bigger emergency fund.

- Dave reads the Blinds.com question of the day from Kelly, who took out a Parent PLUS loan for her daughter.

- Dave talks about the economic effects of Brexit.