Hour 3: Aired on Monday, November 14, 2016

- Dave talks about the return of The Dave Ramsey Show to SiriusXM. 

- Diane (Reading, PA) is considering using investments to pay off debt. Is this a good idea?

- Chris (Baton Rouge, LA) is discouraged that debt isn't going away quick enough. 

- Terry (Kansas City, MO) is getting ever closer to retirement. Should he use 401(k) money to pay off the house? 

- David (Chicago, IL) is having trouble budgeting for bills. 

- Dave answers Shaun's question from Facebook. Is there any benefit to term life with living benefits versus straight term life insurance? 

- Scott and Charlena (Winston-Salem, NC) give their debt-free scream. They paid off $140,000 in 30 months. 

- Dave shares the Scripture and quote of the day. 

- Dave answers the Blinds.com question of the day. Chris asks if he should borrow on a 401(k) to pay off his credit cards? The math seems to work.

- Dave talks about the $10 Sale at DaveRamsey.com.  

- Jessica (San Angelo, TX) asks how to budget when she has a regular income, but her husband is self-employed.