Hour 3: Aired on Wednesday, December 21, 2016 - Philip (Charleston, WV) asks if the first snowball payback should be the 401(k) loan. - Dennis (Terre Haute, IN) owes $18,000 on a truck worth $9,000. - Dave talks the importance of a budget and the EveryDollar budgeting tool. - Aaron (Austin, TX) has rental property, but isn’t sure what to do with it. - Terry (Baton Rouge, LA) recently bought two new cars. What should he do with the $5,000 in back pay he just received? - David and Keri (Orlando, FL) do their debt-free scream. They paid off $52,000 in 27 months. - David (Stuttgart, Germany) is considering switching to the new military retirement program. - Dave shares the Scripture and quote of the day. - Thaddeus (Sacramento, CA) is excited, but his wife is nervous about the plan. - Pat (Nashville, TN) asks Dave’s opinion on incentive plans for first-time homebuyers.