Hour 3: Aired on Thursday, September 15, 2016 

- Lauren (Kalamazoo, MI) asks how she should approach her divorce settlement.

- Judy (Wichita, KS) needs help advising her 19-year-old son about his IRA.

- Callie (Phoenix) wonders how she can get her husband excited about the Baby Steps.

- Dave answers a question from Twitter. Should Whitney create sinking funds in Baby Step 2 or throw everything at debt?

- Jonathan and Rachel (Tri-Cities, TN) give their debt-free scream from the lobby. They paid off $12,000 in less than five months.

- Dave talks about the Smart Money Smart Kids book and class.

- Tyler (Des Moines, IA) needs help marketing a smartphone app. What books should he read for ideas?

- Dave shares the Scripture and quote of the day.

- Steve (Washington, D.C.) asks if he should stop Baby Step 6 to convert a traditional IRA to a Roth.

- Charice (Colorado Springs) wonders if her 16-year-old daughter would benefit from Financial Peace University.

- Karen (Phoenix) needs a new air conditioner. How can she replace it without debt?