Hour 3: Aired on Wednesday, August 3, 2016

- Dennis (Charlotte, NC) wants to know how to pay off his mortgage quickly.

- Julie (Seattle) needs to work from home so she can care for her ailing father.

- Dave promotes the 14-Day Money Finder, which is the new feature at RachelCruze.com.

- Ryan (South Bend, IN) has a question about using his mutual funds to pay off debt.

- Chris (Los Angeles) wonders if a stay-at-home mom needs life insurance.

- Sarah (Tyler, TX) asks if she and her husband should live in different states for six months to help get their finances in order.

- Craig (Los Angeles) is excited to scream that he's debt-free after paying off $29,000 in 22 months!

- Dave reads the Blinds.com question of the day from Jessica, who wonders what to do when her student loans are more than her mortgage.

- Nicole (Fredericksburg, VA) has $120,000 in student loans and can't keep a job because collectors are harassing her.

- Dave reads the Scripture and quote of the day.

- Tim (New York) wonders if it's a good time to refinance.

- Brad (Tampa, FL) has a question about pensions.

- Matt (Philadelphia) asks how much he should put into college savings for his kids.