Hour 3: Aired on Tuesday, August 9, 2016

- Dave welcomes Chris Brown to the studio to take calls.

- Tara (Cookeville, TN) wonders if she should stop putting money into her husband's retirement fund so they can finish paying off the house.

- Scott (New York) asks if he should roll an annuity over to an IRA.

- Dave and Chris read the Blinds.com question of the day from Christy, who wonders if they have any advice for a kid who is starting a business.

- Dave and Chris talk about the upcoming live event schedule.

- Kat (Houston) asks what to do with her savings.

- Janet (Los Angeles) wants to know if she's overfunding Baby Steps 4 and 5.

- Dave talks about SmartVestor, our new tool that helps listeners find investing professionals.

- Marilyn (Kansas City, MO) asks how to handle a 529 plan since her eldest child got enough scholarship money to cover her tuition.

- Ron (Columbia, SC) has a question about what to do with an annuity.

- Dave reads the Scripture and quote of the day.

- Karen (Fort Lauderdale, FL) wonders if she can do Dave's program without her husband's participation.

- Dan (Indianapolis) needs to know if he should upgrade his house.