Hour 3: Aired on Wednesday, August 24, 2016

- Andrea (Oklahoma City, OK) says her house payment is 40% of her take-home pay.

- Alex (Fayetteville, AR) has no credit score and wants to know how to build credit.

- Taryn (Salt Lake City, UT) is not on the same page with her husband about money.

- Mike (Colorado Springs, CO) wants to advise his son about money matters.

- Dave talks about the various ways you can hear the show.

- Dave reads a Twitter question from David, who asks if he should withdraw money from a mutual fund to pay off a car loan.

- Dave reads a Facebook question from Leigh Ann, who wonders if Dave would ever consider investing in a bond mutual fund.

- Dave reads an email from Richard, who wants to know if Dave is compensated for his endorsement of Zander Insurance.

- Dave reads the Scripture and quote of the day.

- Josh (Portland, OR) asks if it's legal to roll a 401(k) into rental property.

- Roy (Amarillo, TX) wants to escape the payday loan trap that he's caught in.

- Jay (Atlanta) needs to know if he should roll his 401(k) to a Roth now and pay the taxes.

- Dave reads a Facebook question from Mandy, who asks how she can get her name off a loan she co-signed for.

- Dave takes another email question, as Todd wonders if he should go for 20 or 30 years of term life insurance.