Hour 3: Aired on Friday, September 16, 2016

- Clint (Atlanta) owes more on his cars than they're worth. Should he sell them or pay them off?

- Dave lays out the upcoming Smart Money Tour schedule.

- Marsha (Eureka, IL) asks how to move his retirement plan from an old employer to her new one. 

- Eric (Lexington, KY) is being offered a health savings account. What are the advantages and what should he know? 

- Victoria (Madison, WI) gives her debt-free scream after paying off $65,000 in 18 months.

- Nick (College Station, TX) needs help with inheritance taxes.

- Dave shares the Scripture and quote of the day. 

- Trisha (Boise, ID) asks about retiring before the age of 59 and a half. Her husband wants to retire at 53.

- Dave announces he'll be speaking at Bayside Community Church in Tampa, Florida, this Sunday. 

- Daniel (Fresno, CA) asks if it's wise to sell the house and pay off debt with the equity.

- Dave answers Donnie's Twitter question. Is personal liability umbrella insurance a good idea?