Hour 3: Aired on Monday, July 11, 2016

- Spencer and Jessica (Phoenix) paid off $30,000 in 14 months and are now debt-free!

- Justin (Phoenix) wonders if he should sell his house to fund Baby Step 3.

- Dave welcomes guest Christy Wright to the show.

- Dave and Christy talk about the Business Boutique event and the "Why" behind business. 

- Cassandra (Boise, ID) wants to know how to budget for an Etsy business.

- Dave and Christy talk more about Business Boutique as well as the Business Boutique Academy.

- Dave reads the Scripture and quote of the day.

- Dave goes down the list of Ramsey Solutions live events scheduled for the fall.

- Joyce (Chicago) wants to know how to fix business equipment if you don't have the money.

- Dave reads a Twitter question where the person asks about term life insurance.