Hour 3: Aired on Monday, July 18, 2016

- Michelle (New York) wants to know how to pay off $117,000 of debt in a reasonable time frame on a $110,000 income.

- Dave talks about the upcoming Smart Money Tour events.

- Dave reads a Twitter question from Marie, who asks if age three is too young to start teaching kids about finances.

- Andy and Brooke (Philadelphia) are debt-free after paying off $70,000 in six years.

- Brandon (Fort Worth, TX) wonders how to help friends in debt.

- Tony and Leslie (Columbia, MO) have paid off $100,000 in 29 months and are now debt-free!

- Casey (Salt Lake City, UT) is on Baby Step 3b and asks if he's doing it right.

- Connie (Sioux City, IA) wants to know if she should pay off her mortgage.

- Dave asks millionaires to contact the show and tell their stories for an upcoming millionaire theme hour.