Hour 3: Aired on Wednesday, February 8, 2017

- James (Atlanta, GA) isn't sure where to go after Baby Step 4. 

- Essence (Tulsa, OK) is paid biweekly. How can she budget?

- Dave responds to a Twitter question about the "magic month" he mentioned on the call with Essence. 

- Dan (Quincy, IL) asks if he should use Social Security to pay his mortgage. 

- Dave answers the Blinds.com question of the day. Candi's mortgage company hasn't been applying her extra payments to the principal. How can she fix that?

- Ashley (Atlanta, GA) wants to switch the order of the Baby Steps in their case. 

- Dave answers Sarah's question from Twitter. Should they give their middle school daughter an allowance to teach her about money? 

- Lin (San Antonio, TX) does her debt-free scream. She paid off $68,036 in 33 months.

-  Erika (Orlando, FL) is a single mom. Where does she start getting control of her money?

- Dave shares the Scripture and quote of the day. 

- Jeff (Orlando, FL) needs to fund his daughter's wedding but would like to do it without those pesky gift taxes. 

- Richard (Bloomington, IL) asks if he should sell his car.