Hour 3: Aired on Tuesday, July 5, 2016 

- Eric (Milwaukee, WI) asks about making a contingent offer on a house versus putting down 5% on a 30-year note.

- Dan (Phoenix) wants to know if he can roll an inherited IRA into a Roth IRA.

- Dave talks about the importance of budgeting and encourages listeners to use EveryDollar.

- Dave (Phoenix) wonders if his church should take out a $300,000 loan for repairs.

- Chris (Augusta, GA) is debt-free after paying off $16,500 in 16 months!

- Dave reads a Twitter question from Thelma, who asks about the tax implications for cashing out mutual funds to pay off a car.

- Dave reads the Scripture and quote of the day.

- Dave talks about how Thomas Jefferson didn't guarantee happiness in the Declaration of Independence, but the right to pursue it.

- Jonathan (Richmond, VA) has a question about pausing Baby Step 2 to relocate in order to reduce his commute time.

- Jeremy (Houston) wants Dave's advice on real estate investing.