Hour 3: Aired on Friday, July 29, 2016

- Dave reads an article about a study that shows how using credit cards affects the human brain.

- Dave reads the Blinds.com question of the day from Jax, whose 78-year-old mother is getting collection calls she thinks are invalid.

- Steven (Flagstaff, AZ) wonders how to pay off his student loans.

- Bowen (San Antonio, TX) asks if he should buy long-term care insurance for his parents.

- Matt and Katrina (Seattle) are debt-free after paying off $96,000 in 29 months!

- Judy (Enid, OK) has a question about using her savings to pay off debt.

- Dave reads the Scripture and quote of the day.

- Barbara (Amarillo, TX) wonders if she should pay down her house since her company may buy it when she relocates.

- Ruth Anne (Mankato, MN) needs to choose between colleges.