Hour 3: Aired on Tuesday, February 21, 2017

- Amy (Columbus, OH) wonders how to pay the bill she owes the IRS. 

- Katharine (Springfield, IL) wants to know where student loans fit in the Baby Steps.

- Lindsay (Lancaster, PA) questions if she should move to a new city before finding a new job.

- Brandon and Edith join Dave in the lobby to do their debt-free scream after paying off $146,000 in 39 months.

- Dan (Kansas City, MO) asks about teacher retirement funds.

- Dave shares the Scripture and quote of the day.

- Crystal (Midland-Odessa, TX) wants to know if she should sell the house.

- Brad (Houston, TX) has a baby on the way and says they're not prepared financially.