Hour 3: Aired on Monday December 19, 2016 - Rachel Cruze joins Dave to discuss her book and the topic of comparison living. - Dave talks about the $10 sale at daveramsey.com. - Mark (Grand Rapids, MI) says his boss offers a 1% match if he puts 7% of his income into the 401(k). Should he do this, considering future tax implications? - Katherine (Austin, TX) asks if they really need three cars. - Bryan and Jessica (Fort Smith, AR) make their debt-free scream in the lobby after paying off nearly $50,000 in 23 months. - Lydia (Grand Rapids, MI) wants to know how to fund a $8,000–10,000 medical procedure that would allow her to have kids. - Ryan (Chicago, IL) asks Dave about whether renter's insurance will cover damage to a garage.