Hour 3: Aired on Friday, February 10, 2017

- Joe (Orlando, FL) is considering creative financing with zero-percent credit cards and his savings to fund a down payment on a house. 

- Dave answers Logan's question from Twitter. What are some basic tips to stay out of debt?

- Christina (Boise, ID) is getting a tax refund. Should she use it to pay off debts or to fill up the emergency fund?

- Freddy (New York, NY) is using a leased car for business. He's now $9,000 upside down on it. How can he get out?

- Dave shares the need to be smart about cars and work. Values go down fast. 

- Dave and Donna (Raleigh-Durham, NC) do their debt-free scream from the lobby. They paid off $144,158 in 35 months. 

- Barbara (Columbus, OH) asks if they should pay off student loans or the car first. 

- Dave shares the Scripture and quote of the day. 

- Michael (Memphis, TN) wants to expand their real estate portfolio after paying off their mortgage.

- Kathleen (Las Vegas, NV) has a $105,000 pile of cash. Should she hold on to it while her husband gets started in real estate?