Hour 3: Aired on Friday, September 23, 2016

- Carolina (Portland, OR) asks if she should retire early. 

- Nick (Tampa, FL) has pre-paid his 4-year-old son's college tuition through a state government program. Why is that so bad?

- Dawn (Phoenix, AZ) is $480,000 in debt. Should she continue to rent? 

- Jonathan (Meridian, MS) needs to know what to do after becoming debt-free.

- Dave rants and encourages parents to keep their kids away from student loan debt. 

- Dave talks about the 14-Day Money Finder at RachelCruze.com. 

- Dave answers the Blinds.com question of the day. Hallie is starting grad school and already has $10,000 in debt. How can she fund grad school and pay off the debt?

- Adam and Amanda (Orlando) give their debt-free scream. They paid off $70,000 in three and a half years. 

- Dave shares the Scripture and quote of the day. 

- D'nica (Tacoma, WA) feels it's more expensive to rent than to buy. 

- Tonya (Phoenix, AZ) asks if she should start a new business.