Hour 3: Aired on Tuesday, August 02, 2016

- Charles and Tricia (Minneapolis-St. Paul, MN) are debt-free after paying off $55,000 in 38 months!

- Dave welcomes guest Rachel Cruze to the studio where they talk about her 14-Day Money Finder tool, her new book, and related topics.

- Dave and Rachel talk about the budget makeover stories on Rachel's YouTube channel.

- Dave (South Bend, IN) wants to know how to pay his student loans in the debt snowball.

- Andrew (Daytona Beach, FL) wonders how much house he can afford to build.

- Dave reads the Scripture and quote of the day.

- Sandra (Lexington, KY) says her teenage daughter refuses to give away any of the money she earns at her job.

- David (Springfield, IL) wants to know if he should use his emergency fund to pay medical bills from a pregnancy.

- Dave talks about our new SmartVestor tool.