Hour 3: Aired on Friday, October 28, 2016

- Chris Brown joins Dave in the studio.

- Justin (Modesto, CA) is having some issues with the family farm. 

- Ron (Wichita, KS) asks if he should sell his motorcycle as he approaches retirement. 

- Josh (Columbus, OH) is torn between term life insurance versus Index Universal Life as an investing option. 

- Dave answers Deanna's question from Twitter. When should someone start buying life insurance?

- Natalie and Patrick (Iowa City, IA) give their debt-free scream from the lobby. They paid off $107,500 in five years!

- Dave shares the Scripture and quote of the day. 

- Dave talks about the upcoming 2017 Smart Conference dates. 

- Chris and Kim (Lexington, KY) are feeling pressure to open new locations for their business, but they want to do it debt-free. What should they do?

- Dave and Chris talk about Halloween and the kids trick-or-treating in the office.