Hour 3: Aired on Wednesday, July 20, 2016

- Adam (Kansas City, KS) wants to know if he should skip Baby Step 3 while he has a guaranteed military paycheck.

- Andrea (San Francisco) asks how to advise her parents and get her family on board.

- Dave talks about Chris Hogan's new podcast and book.

- Jennifer (Harrisburg, PA) wonders if she should buy her brothers out of a property they own together.

- Dave reads the Blinds.com question of the day from Gayle, who asks about the pros and cons of a reverse mortgage.

- Annette (Saginaw, MI) wants to know why Dave says investing in gold is a bad idea.

- Asa and Claudine (Calgary, Alberta) are debt-free after paying off $42,000 in 28 months!

- Rachel (Nashville) wonders if she should pay off her home equity line of credit even though she has no mortgage.

- Dave reads the Scripture and quote of the day.

- Cheryl (Phoenix) asks if her brother should use his $130,000 inheritance to pay off the house that he's upside down on.

- Jimmy (Charlotte, NC) has a question about buying a house.