UNEDITED

Hour 3: Aired on Wednesday, October 12, 2016

- Craig (Charlotte, NC) wants to know if he should set up an S Corporation to take advantage of tax benefits.

- Alicia (Kansas City, MO) asks if she should take advantage of the child rider on her life insurance for their son who has special needs.

- Rachel Cruze calls in from Houston, Texas, to give an update on her book tour for "Love Your Life, Not Theirs."

- Dave answers the Blinds.com question of the day. Joe asks if he should seek out former coworkers who were promised a commission from a big deal. 

- Scott and Azure are in the lobby to make their debt-free scream after paying off $73,000 in two years. 

- Dave shares the Scripture and quote of the day. 

- Laura (Tucson, AZ) wants to know how to merge her personal and business money. 

- John (San Antonio, TX) asks Dave when to pull money out of a business.