Hour 3: Aired on Wednesday, July 13, 2016

- Justin (Jefferson City, MO) has $120,000 in debt and asks how to get started on taking control of his money.

- Brad (Effingham, IL) wants to refinance the house.

- Julie (Raleigh, NC) says her husband bought a rental after college and she needs help fixing the situation.

- Robert (Omaha, NE) owes $26,000 on a car that is worth $16,000.

- Dave reads a Twitter question from Johnny, who wonders what happens to the money in an ESA if the teenager opts not to go to college.

- Thomas and Jennifer (Myrtle Beach, SC) have paid off $237,000 in five years and are now debt-free!

- Allison (Indianapolis) wants to know how much life insurance she needs.

- Dave reads the Scripture and quote of the day.

- Austin (San Luis Obispo, CA) wants to start investing.

- Jeremy (Tulsa, OK) has almost $300,000 in student loans and asks if it would be a bad idea to buy rental property.