Hour 3: Aired on Wednesday, August 31, 2016

- Anthony (New York) needs to know if he should refinance his house or sell it.

- Aziza (Appleton, WI) asks if increasing income would force a loss of government benefits.

- Steffen (Everett, WA) wonders when to restart the debt snowball.

- Debbie (San Antonio, TX) says her siblings are disagreeing on a house.

- Dan and Char (Columbia, SC) are debt-free after paying off $120,000 in six years.

- Dave comments on the sacrifices that Dan and Char made and encourages listeners to be like them.

- Calvin (Phoenix) has a question about stopping retirement savings to pay off his house.

- Dave reads the Scripture and quote of the day.

- Doug (Valdosta, GA) wants to know if he should delay saving for retirement to cash-flow college for his daughter.

- David (Sacramento, CA) asks what education he needs.