Hour 3: Aired on Tuesday, July 26, 2016

- Paul (Orlando) is 78 years old, uses payday loans to keep current, and is thinking about bankruptcy.

- Dave reads a Twitter question from Robert, who asks if he should start paying off the credit card with the lowest payment even if it's not the smallest debt.

- Dave reads a Facebook question from Brandon, who wants to know Dave's opinion of sector funds vs. mutual funds.

- Beth (Charleston, SC) wonders how to protect her kids' identities from her gambling ex-husband.

- Pam (Kansas City, MO) is excited to scream that she's debt-free after paying off $93,000 in 40 months!

- Joe (Pittsburgh) asks if he should buy a small business.

- Dave reads the Scripture and quote of the day.

- Dave talks about Chris Brown's True Stewardship.

- Seth (Alexandria, LA) wants to know how to pay off $200,000 in consumer debt.

- Jamie (Houston, TX) is trying to help her parents make plans.