Hour 3: Aired on Tuesday, August 23, 2016

- Sam (Pulaski, TN) is a first-time homebuyer who wants advice from Dave.

- Joann (Cape Cod, MA) wonders how to fit home renovations into her Baby Steps.

- Lori (Boise, ID) has a question about combating identity theft after having her debit card numbers stolen several times.

- Barb (Springfield, MO) is at retirement age and doesn't have much saved.

- Damon (Phoenix) needs to know how to go to college debt-free.

- Dave reads the Scripture and quote of the day.

- Will (Dallas) wants to know how to stay motivated while working to get out of debt.

- Mandi (Phoenix) asks how to get out of a Chapter 13 bankruptcy.