Hour 3: Aired on Friday, August 5, 2016

- Russell (Chicago) has a question about the benefits of not having a mortgage.

- Sarah (Richmond, VA) wonders how to balance the debt snowball with her other priorities.

- Jamie (San Antonio, TX) wants to know if it's all right to change jobs.

- Matthew and Donna (Cincinnati) are debt-free after paying off $53,000 in nine months!

- Rich (Kansas City, KS) wants to know if he should use his equity to pay for student loans or a house.

- Dave reads the Scripture and quote of the day.

- Stacy (San Antonio, TX) asks if she should bump her Roth 401(k) contributions up to 15%.

- Sara Lyn (Pensacola, FL) wonders if she should refinance her house to pay off IRS debt.

- Chris (Grand Rapids, MI) has a question about joining a friend's business.