Hour 3: Aired on Friday, December 16, 2016

- Lisa (Orlando) says her son wants to establish credit to rent an apartment.

- Maria (Grand Rapids) asks how to pay an escrow deficit.

- Dave talks about the upcoming 2017 Spring Live Events season.

- Sid (Raleigh-Durham) asks about investing in real estate or mutual funds.

- Lisa (Boise) asks if she should be an independent contractor.

- Benny and Windy (Jackson) are in the lobby to give their debt-free scream! They paid off $100,000 in 6 years!

- Ray (Charlotte) wonders if Dave's program will work for him.

- Dave reads the Scripture and quote of the day.

- Sara (Charlotte) is thinking about selling her car.

- Gayle (Rochester) is thinking about cashing out her whole life policy.

- Dave warns listeners about overspending on Christmas this weekend.