Hour 3: Aired on Tuesday, January 17, 2017 - Zach (Lincoln, NE) wants to get his girlfriend on board with Dave's principles. - Courtney (Denver, CO) wants to know how to use the UTMA (Uniform Transfers to Minors Act). - Dee and Brandon (Pueblo, CO) ask which debt they should pay off first. - Tyler and Katelyn (Tyler, Texas) do their debt-free scream from the lobby. They paid off $60,000 in 22 months. - Dave answers Audrey's question from Twitter. She wants to make an extra mortgage payment each month. What time of the month should she do that? - Dave shares the Scripture and quote of the day. - Dan (Traverse City, MI) knows he needs to restructure his will now that his kids are becoming adults. - Dave talks about being a manager of God's money and how that factors into crafting a will. - Aaron (Salt Lake City, UT) has been offered a mortgage recast by his bank. Is this a good idea?