Hour 3: Aired on Thursday, October 27, 2016

- Guest Rachel Cruze is on the show talking about Smart Conference cities for spring 2017.

- Dave and Rachel Cruze discuss how to budget for expected and unexpected events.

- Chad and Alexis (Kansas City, MO) are excited to give their debt-free scream after paying off $25,257 in nine months!

- Marissa (St. Louis, MO) wants advice on how to handle a lump-sum settlement after her husband was injured on the job.

- Dave shares the Scripture and quote of the day.

- Mike (Los Angeles, CA) needs to know how to advise his brother on financial issues.