Hour 3: Aired on Thursday, February 9, 2017

- Chris (Tampa, FL) asks if they should take advantage of a government grant program to buy a house. 

- Dave answers Sarah's question from Twitter. Her retirement plan is a defined pension based on the last three years. Should she open an IRA and put 15% of her income in it?

- Dave talks about the digital marketing positions open at Ramsey Solutions. 

- Xavier (Chicago, IL) is caught between wanting to buy rental properties and paying down debt.

- Michael (Philadelphia, PA) wants to help his estranged niece with money she inherited.

- Pam (Raleigh-Durham, NC) does her debt-free scream. She paid off $41,724 in 14 months.

- Kirk (Montgomery, AL) is considering using mutual funds to pay off the house. 

- Dave shares the Scripture and quote of the day. 

- Tina (Wichita, KS) is a real estate agent. What should she do with her money? She disagrees with her husband. 

- Pam (Sacramento, CA) isn't on the same page with her husband and it's stressing her out.