Hour 3: Aired on Monday, October 17, 2016

- Guest Chris Hogan joins Dave in the studio to talk about National Save For Retirement Week.

- Mark (New Braunfels, TX) wonders if he should convert his traditional IRAs to Roth IRAs.

- Jessica (Phoenix, AZ) asks if she should save for retirement or focus on the debt snowball.

- Jarrett and Mica (Minneapolis, MN) join Dave in the lobby to do their debt-free scream. They paid off $47,000 in 17 months!

- Dave encourages listeners to download The Dave Ramsey Show podcast.

- Dave reads the Scripture and quote of the day.

- Adam (San Jose, CA) has a question about the Baby Steps.

- Arlinda (Philadelphia, PA) asks for advice on buying her first home.