Hour 3: Aired on Thursday, August 4, 2016

- Pam (Tulsa, OK) wonders if refinancing is a good idea in her situation.

- Jill (Washington, D.C.) asks if she should stop her student loan payments to attack other debt, since she has paid ahead on the school loans.

- Dave talks about the different ways to follow him on social media.

- Dave reads mean things people have said about him on Twitter.

- Dave talks about our Win With Money cash giveaway contest at DaveRamsey.com.

- Derek and Samantha (Simi Valley, CA) paid off $115,000 in three years and are debt-free!

- David (Jacksonville, FL) wonders what he should do with a thrift savings plan.

- Dave reads the Scripture and quote of the day.

- Oliver (San Antonio, TX) is working through bankruptcy and has a question about saving for a better car.

- Ron (South Bend, IN) wants to know if he should use his IRA to pay down the house.

- Daniella (Phoenix) asks if she should pause her debt snowball to pay for her 6-year-old son's open-heart surgery.