On this week’s Money Matters, Scott and Pat advise a caller who wants to know about inflation bonds, then answer a question from a South Carolinian with three rentals, a $1.2 million portfolio, and a moderate amount of debt. A caller from Georgia wants to know what to do with $400,000 from the sale of a business. A caller wants to know whether he should take Social Security at age 62, age 65, or age 70. Finally, a Northern California caller owns three rentals outright but has a $300,000 mortgage on her primary residence and wants advice on whether she should invest or pay off the loan.        

On this week’s Money Matters, Scott and Pat advise a teacher from New York who wants to start a business. A caller who received a $300,000 inheritance wants to know where to invest and how to make sure his children benefit. A 33-year-old caller from Virginia wants help deciding between contributing to her work sponsored 401(k) and a brokerage account. A highly organized retiree wants to know if his investments are too conservative, and how to start a non-profit. A former Marine who has spent his career as a postal worker wants to educate his grandchildren about investing and money.   

On this week’s Money Matters, Scott and Pat advise a caller who has lived in Yosemite for 30 years, saved well, but can’t quite afford a long-term care insurance policy. A caller who has saved $500,000 wants to know when he should file for Social Security. A 74-year-old Portland resident wants to know whether he should spend $700,000 to move into a retirement community. A soon-to-be retired state employee from San Diego wants to know how much the government will take from her pension. A retiree in his late 60s asks about Medicare Part B plan premiums.

On this week’s Money Matters, Scott and Pat discuss the record-setting Rivian electric vehicle IPO, before taking a call from a Georgia woman who wants advice on the sequencing of the drawdown of her retirement accounts. A city employee wants to know if she should keep her universal life insurance policy. A lifelong Californian wants financial advice about moving out of state. A North Carolinian has managed to save over $600,000 while making less than $60,000 a year. Finally, a California caller with $4 million in savings, and a $100,000 yearly pension, has three children who all live in New York and want her to move there.       

On this week’s Money Matters, Scott and Pat advise a caller from Columbia about paying capital gains taxes on an overseas stock sale. A California man with $3.5 million saved wants to know about delaying Social Security and refinancing his home. Scott and Pat then discuss the ProShares Bitcoin Strategy ETF. A caller from Woodland, California wants to know where to invest money from his former company’s profit-sharing program. They then advise a risk-adverse 67-year-old woman who has 63 percent of her $2.2 million savings in cash. Finally, a man in his late 50s with money to invest wants to know about Bitcoin.          Ask a question by clicking here, or email Scott and Pat at [email protected].   Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat discuss how long-term investors can invest during this unusual inflationary environment. Scott and Pat advise a caller with $1.2 million in retirement savings about becoming a more passive investor. A caller with an income of $114,000 asks if he should take Social Security early. A bicycle racer asks how he can fund his hobby in retirement. Scott and Pat speak with a woman in California who is concerned what will happen to her bond investments if interest rates rise. Finally, a father in Virginia asks how he can prepare for a future financial collapse.   Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat discuss the potential implications of a global minimum tax. Scott and Pat advise a caller looking for a check-up on his plan to move to Portugal during retirement. A caller asks how her stock options will be impacted when her company goes public. Scott and Pat speak with a woman looking to invest the money in her revocable trust. A Michigan man with a family income of $250,000 a year asks if he’s on track to retire early. Finally, a retired caller with a $1 million inheritance asks how she should invest the money. Ask a question by calling 1-833-999-6784 or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat discuss the surprising reasons why inflation is higher than the news indicates. Scott and Pat advise a new father making $300,000 a year about saving for his child’s future. A Massachusetts caller asks how to develop a more thoughtful Roth conversion strategy for his $1.8 million in retirement savings. A federal employee with $1.2 million in a Thrift Savings Plan asks if he can afford to retire comfortably. A California caller asks if he should pay down his $115,000 mortgage balance with his 401(k). Finally, Scott and Pat advise a saver about how he should handle his multiple life insurance policies. Ask a question by calling 1-833-999-6784 or email Scott and Pat at [email protected].

On this week’s Money Matters, Scott and Pat explain how low interest rates impact equities, the housing market, and the strange investment trends of 2021. Scott and Pat advise a father in Kansas City about how he can leave his $4 million IRA to his children in a tax-smart way. A caller with $800,000 in her 401(k) asks how she should pay for her vacations during retirement. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat discuss the two key reasons they expect insurance costs to rise. Scott and Pat advise a New Jersey woman about handling $100,000 in a union retirement savings plan. A West Virginia man asks if he should invest $600,000 with a financial advisor who picks stocks. Finally, a caller planning to sell a house for $1.5 million asks what tax-write offs he should include in the sale. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat break down the myth linking gold prices with high inflation. Scott and Pat advise a caller from New Zealand about transferring $34,000 from her home country to a bank in the United States. A father asks how he can help his son invest the $40,000 he’s carefully saved. A Colorado man asks how to invest $475,000 before his new home is completed next year. Finally, a caller who saved physical gold bullion asks how much he should keep as he diversifies into other investments. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat discuss which tax changes may result from the $3.5 trillion reconciliation bill and how savers can prepare. Scott and Pat advise a retired Army officer about how to handle three different life insurance policies. A caller asks if he should save money in Swiss bank accounts for added diversification. A man in California asks how he should invest $850,000 to ensure a comfortable retirement. Finally, Scott and Pat speak with a small business owner who wants to know when she should take Social Security. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat discuss their concerns about higher home prices and why young savers should utilize Roth 401(k)s. Scott and Pat advise a father about the best way to save for his children’s college education. A caller expecting $1 million from her mother’s estate asks how she should handle the windfall. Finally, a Colorado man asks if he should use the cash in his Roth IRA to pay off his $172,000 mortgage balance. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat invite Allworth Financial’s Chief Investment Officer Andy Stout on the show to discuss the markets, inflation, unemployment, and how the Federal Reserve’s easing monetary policy might affect the overall economy. Scott and Pat advise a long-time listener with a complicated CalPERS Long-Term Care Policy decision to help ensure his choice makes the most financial sense for his needs. Another California man asks how to determine the right amount of umbrella insurance to be sufficiently covered from any number of incidents from a dog bite, car accident, or an unexpected injury to someone else. Ask a question by clicking here, or email Scott and Pat at [email protected].

On this week’s Money Matters, Scott and Pat discuss the soaring used car market and speak with a caller who is considering buying a $100,000 annuity inside her 401(k) plan. Scott and Pat advise a San Francisco man on his plan to retire to North Carolina. A caller who is just starting out in his career asks how he should save for a house. A Pennsylvania man asks if he should turn his duplex into a rental that could net $1,400 a month. A California caller asks if she should buy a deferred fixed annuity. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat discuss the challenges of making a Roth conversion decision and why some online retirement calculators may not give you the correct answer for your situation. Scott and Pat advise a caller with three rental properties about whether he should pay down his mortgages early. A father wants to know if his son, who makes $75,000 a year, is making eligible Roth contributions. A caller with more than $2 million in savings asks if he should do a Roth conversion. Finally, a caller nearing retirement asks what he should look for in a financial advisor. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat discuss the reasons why Special Purpose Acquisition Companies can be ripe for fraud, and why one electric vehicle maker is now charged with defrauding investors. Scott and Pat advise a daughter, who is the executor of her parents’ trust, about how to invest $350,000 of their savings. A mother asks how future legislation could affect her son’s ability to inherit her $1 million home. Scott and Pat speak with a caller who owes the IRS $100,000 in back taxes and wants to know how to make a “compromise offer.” A retired caller asks how to invest $500,000 before the next stock market crash. Finally, a recent college graduate asks about the difference between ETFs and mutual funds. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.  

On this week’s Money Matters, Scott and Pat discuss China’s crackdown on technology and education companies and how that hurts American investors.  Scott and Pat advise a caller inheriting $600,000 who wants to know how he should invest the money to help his grandchildren and a favored ministry. A man with $2.5 million in savings asks if he can afford to retire comfortably and still maintain his standard of living. A retired caller who saved $1 million in traditional IRAs asks if a Roth conversion is a smart move. Finally, a saver who is helping his mother and sister financially asks when he should take Social Security. Ask a question by emailing Scott and Pat at [email protected].

On this week’s Money Matters, Scott and Pat discuss how company founders borrow against their stock to live tax-free, why some ordinary investors attempt something similar, and the reason these strategies often go awry. Scott and Pat advise a caller selling a property worth $550,000 and looking to save on taxes. A caller asks if she should sell a rental worth $400,000 because the real estate market is hot. A grandmother asks if a 529 Plan is the best way to save for her grandchildren’s education. Scott and Pat speak with a 49-year-old man if he wants to retire at age 55. Finally, a caller nearing retirement asks if cashing in his paid time off will trigger significant tax consequences.  Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat discuss the stock market’s recent turbulence and how the media can sensationalize minor price swings. Scott and Pat advise a man on how to handle 401(k)s worth $125,000 that were awarded to him from a divorce settlement. A caller is the executor of her brother’s estate and asks how she can access his Thrift Savings Plan with little documentation. A caller leaving California asks how he can avoid capital gains taxes on the sale of a home worth $550,000. A man asks how he can recover a 401(k), worth $40,000, that he lost track of decades ago. Finally, Scott and Pat advise a caller with $2.5 million in cash on what questions he should ask a financial advisor. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat discuss the one question to ask yourself if you’re struggling to decide whether to hold or sell an asset. Scott and Pat advise a retired caller in Florida, with $4.1 million in savings, about how he can determine a safe withdrawal rate. A California man asks if he should pay down his $148,000 mortgage balance with his 401(k) money. A caller asks how he should invest $1.1 million for his daughters. Finally, Scott and Pat speak with a woman in Texas who asks if she can collect Social Security based on her ex-husband’s record. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat discuss how your experience investing during the pandemic can help guide future financial decisions. Scott and Pat advise a pilot with $1.6 million in savings about whether he can retire comfortably at age 65. A father in his late 50s asks how he should save for his son’s private high school education. A young man in Argentina asks if he owes taxes after taking early Roth IRA distributions. Finally, Scott and Pat speak with a caller looking to lower his mortgage rate. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat answer why using your home’s equity for other investments can come back to bite you. Scott and Pat advise a 64-year-old caller with $3.3 million in savings who wants to know if he should do a Roth conversion to save on his future tax bill. A re-married man who is selling his house asks how he should invest the $100,000 expected from the sale. A retired man wants to know if he should use dividend stocks to make payments on a $330,000 mortgage. Finally, a woman who recently moved to San Diego wonders how she should pay for a home worth $800,000.  Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat revisit some of the best calls from the year before moving on to discuss the long-term impact of the Federal Reserve’s quantitative easing program.   Scott and Pat advise a 401(k) saver who is considering reducing her investment risk because of high stock valuations. A soon-to-be retiree asks if she should cancel her life insurance policy. A caller asks if he can afford a condo in Thailand. Scott and Pat advise a caller with $760,000 in retirement savings about how to pay home improvement expenses. A military service member wants to know if she should purchase four years of airtime on her pension. Finally, Scott and Pat speak with a caller who put the home of his 103-year-old mother-in-law in his name and wants to know if he’s on the hook for capital gains.   Ask a question by clicking here, or email Scott and Pat at [email protected].   Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat discuss the fundamental problems with cryptocurrencies, and Special Purpose Acquisition Companies, and why speculators continue to rush toward them. Scott and Pat advise a father who is considering giving a home worth $295,000 to one of his three daughters. A caller with $900,000 in savings asks if he can afford to retire. A parent saved $60,000 in his daughter’s UTMA account and asks how she should take the money out in a tax-efficient manner. A retiring baker asks how he should go about selling his small business. Finally, Scott and Pat advise a federal government employee, with $900,000 in a TSP, about where else she can save. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.  

On this week’s Money Matters, Scott and Pat discuss why people actually have an easier time taking advice about their pets than for themselves. Scott and Pat advise a caller who wants to know how she should handle a $2 million inheritance. A great saver asks if he should put his marginal dollars toward investing or paying down his law school debt. A government employee who saved $500,000 in a 457 plan asks if he should transfer his savings into an annuity. A caller asks how to handle an estimated $70,000 from a property sale. Finally, Scott and Pat advise a caller about what to do with a cash balance pension account. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat discuss how clients can research their financial advisor’s background and why it’s so important. Scott and Pat advise a fiscally conservative retiree, with $1.4 million in savings and 8 percent in equities, about his long-term investments. A caller asks how she should invest the money in her Health Savings Account. An employee for the State of California asks how she should collect her pension. Finally, a man who “accidentally retired” at age 45 asks if he can live comfortably with $2.4 million in savings. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this best-of Money Matters, Scott and Pat revisit some of the most popular calls from recent broadcasts.   Scott and Pat advise a United States Marine Corp veteran about how to pay for college for his children using a 529 Savings Plan. Next, they advise a repeat-caller who needs investment guidance after his wife took her successful company public. Scott and Pat then advise a caller seeking to consolidate a 457 with an IRA. Next, a couple is interested in the mechanics of a reverse mortgage, followed by a concerned daughter who wants guidance regarding a $600,000 inheritance. Lastly, a caller wants to help her niece and nephew refinance a tricky mortgage.       Ask a question by clicking here, or email Scott and Pat at [email protected].   Download and rate our podcast here.

On this week's Money Matters, Scott and Pat discuss the key reasons why popular investment fund managers have trouble repeating stellar returns. Scott and Pat advise an attorney in California with $430,000 in retirement savings about how he should invest for the long-term future. A caller who is retiring at the end of the month asks how he should handle a trust. Finally, a caller with a family income of $210,000 and $300,000 in savings asks if she can afford to retire at age 56. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week's Money Matters, Scott and Pat discuss why they are concerned about the fact that more savers are pouring money into speculative investments, including cryptocurrencies and SPACs.   Scott and Pat advise a caller, with $1.5 million in savings, on the practicality of retiring in his 50’s. A public employee asks how she should take her pension. A retired caller wants to know why her financial advisor is choosing her allocations based on a Monte Carlo simulation. Finally, a father of two asks if he should continue to save in his children’s 529 plan, worth $83,000. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week's Money Matters, Scott and Pat discuss Dogecoin’s mind-boggling rise and why the increased speculation on cryptocurrencies parallels the dot-com boom. Scott and Pat advise a retired caller who wants to know if selling stocks will affect her Medicare premiums. A caller with $930,000 saved for retirement asks if she should do a Roth conversion. A man with a $72,000 mortgage wants to know if he should pay down the balance early. A retired firefighter with $5.2 million in savings asks if he can afford a $1 million Miami condo. Finally, two callers at the start of their careers want to know how they should save for retirement. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week's Money Matters, Scott and Pat discuss who should prepare for future tax changes before interviewing Andy Stout, a CFA and the CIO of Allworth Financial, about SPACs, inflation, and the challenge of following a disciplined investment strategy in a bull market. Scott and Pat advise a caller who wants to put 10% of his investment portfolio into gold and silver. A caller with three rentals asks how he can lower his capital gains taxes if he sells a property. A man with a family income of $160,000 asks if he should make a Roth conversion. An investor in his 30’s asks how to save for retirement independently. Finally, a caller asks how he can find out how much he’s paying in investment fees. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week's Money Matters, Scott and Pat discuss how good financial plans adapt to the ups and downs of life, and take calls about money and retirement. Scott and Pat advise a 24-year-old investor, with $30,000 saved in cryptocurrency and living with his parents, about investing for the long-term future. A mother asks how she can smooth out income from oil royalty contracts and efficiently pass savings to her children. A caller turned her $1.5 million house into a rental and asks if she should sell it before capital gains taxes rise. A man with $2.1 million in savings and a $7,600 monthly pension asks if he’s ready to retire now. Finally, a caller asks if he should place his investments in an LLC to save on taxes. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week's Money Matters, Scott and Pat discuss the challenge of rebalancing your investments when the stock market has performed well. Scott and Pat advise a conservative investor who asks how to handle the proceeds of a maturing CD. A caller asks how he should take an $845,000 pension and pay down his mortgages totaling $967,000. A man with a family income of $500,000 asks if he should make a Roth conversion. Finally, a college student asks Scott and Pat if he should save money by living with his parents after graduation. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week's Money Matters, Scott and Pat discuss the reasons why America’s rapidly growing debt could hurt retirees. Scott and Pat advise a caller with $3 million in savings about keeping a long-term care insurance policy. A retired public employee asks how the Windfall Elimination Provision will affect his Social Security benefit. A caller with $4 million in retirement savings asks if he needs an annuity. Scott and Pat speak with a duplex owner, making $130,000 a year, about potentially selling his property. Finally, a caller asks if he should invest in cryptocurrency. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week's Money Matters, Scott and Pat discuss the unsavory ways some financial advisors are promising to help investors “retire without risk.” Scott and Pat advise a caller with $3 million in his 401(k) who asks if he needs to make his investments more conservative. A mother asks how her son should handle Restricted Stock Units. A caller asks if he’s on the hook for capital gains taxes after selling a condo that previously belonged to his 103-year-old mom. Finally, Scott and Pat speak with an Air Force veteran who wants to know if he should buy another rental property with the $500,000 he has in the bank.  Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week's Money Matters, Scott and Pat discuss the long-term problems with “momentum investing,” and why Blockbuster is a good illustration of the potential downfall of today’s hot stocks. Scott and Pat advise a caller, who owes $550,000 on his mortgages, about whether he should convert his primary residence into a rental. A caller with $760,000 in his 401(k) asks if he can create a $100,000 fund for home renovations and vacations. Scott and Pat speak with a hospital employee, with a family income of $240,000, who wants to save on future tax bills. A man asks if his wife should take Social Security at age 62. Finally, a Minnesota caller asks if a gold-backed debit card could help protect his savings. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat discuss new investment schemes and shiny object scams that are good for TV ratings but will likely end poorly for most investors.   Scott and Pat advise a caller about how to invest the equity proceeds from a company sale. A man asks if selling his mutual funds to buy exchange-traded funds (ETFs) makes sense from a tax perspective. A long-time listener wonders whether she should pay off the remaining portion of her home loan or refinance. A 73-year-old woman wants to know if she should migrate her two mutual funds to broaden her portfolio. A 55 year-old-man man just sold a townhouse in Silicon Valley and wants to invest $1.2 million in proceeds. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week's Money Matters, Scott and Pat discuss the potential long-term consequences of the $1.9 trillion stimulus package. Scott and Pat advise a caller on how to invest the proceeds from a maturing CD. A 32-year-old woman, who makes $90,000 a year, wants to retire early, and asks if she should prioritize investing in a 401(k) or a brokerage account. A man wants to know if he can use $100,000 from his 401(k) to buy a condo in Thailand. A new grandmother asks how she can invest for her grandkids. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week's Money Matters, Scott and Pat discuss why more cities are paying remote workers to relocate.   Scott and Pat advise a Colorado man with $620,000 in savings who wants to know if he should use a reverse mortgage to buy a home. A caller netted $500,000 from a property sale and asks if he should use the money to pay down his mortgage. A San Diego caller in her 20s who makes $94,000 a year wants to know if she should save to buy a home. Scott and Pat then speak with a man who wonders if he needs a fee-based financial advisor. Finally, a caller asks when the next market crash will occur.   Ask a question by clicking here, or email Scott and Pat at [email protected].   Download and rate our podcast here.

On this week's Money Matters, Scott and Pat discuss an alleged $1.8 billion Ponzi-like scheme and how unsuspecting investors lost their retirement savings.   Scott and Pat advise a South Carolina caller who asks if he should make a 20% down payment on a house when interest rates are low. A caller asks if he should pay for a bathroom remodel by selling stocks or using a HELOC.  Scott and Pat speak with a caller concerned about the future of bonds. Finally, A former trader, who initially had $800,000 invested in Apple, asks if long-dated call options will help protect his investment.   Ask a question by clicking here, or email Scott and Pat at [email protected].   Download and rate our podcast here.

On this week's Money Matters, Scott and Pat explain the surge of Special Purpose Acquisition Companies and how it could transfer even more wealth from the middle class to Wall Street. Scott and Pat advise a Colorado woman with 75% of her retirement savings in equities, who asks if her investments are too aggressive. A military veteran asks if she should purchase four years of service credit for $45,000. Scott and Pat speak with a caller who asks if he should pay down his mortgage balance of $50,000 early. Finally, a caller asks about the tax implications of owning qualified small business stock and restricted stock units. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week's Money Matters, Scott and Pat discuss the free stock trading boom and who will ultimately get hurt. Scott and Pat speak with a father who wants to help his son by renting a house that his child purchases. A caller asks how he and his fiancé can lower capital gains taxes on two home sales. Finally, a man with a vacation home worth $550,000 asks if he should pay down the mortgage with cash from his IRA. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week's Money Matters, Scott and Pat discuss the scenarios where refinancing a mortgage could hurt your retirement. Scott and Pat advise a California public employee about when he should take his $735,000 pension. A caller asks if she should cancel her $650 annual premium term life insurance policy. A man asks if the government will eventually tax Roth distributions. A daughter asks how her 86-year-old mother should handle a $647,000 inheritance. Finally, Scott and Pat speak with a husband who wants to know when his wife should take Social Security. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week’s Money Matters, Scott and Pat discuss how listeners can plan for Social Security’s funding crisis, the impact of low-interest rates on public pensions, and what rising government debt could do to our future economy.    Scott and Pat advise a mother of triplets about how her children should invest gifts of $13,000 from their grandmother. A 33-year-old law enforcement officer asks how Social Security’s Windfall Elimination Provision could affect his future benefit. A caller asks if he should invest in passive or actively managed funds. Finally, Scott and Pat speak with a 24-year-old Coloradan who racked up $42,000 in debt and wants to know how he should handle the loans.   Ask a question by clicking here, or email Scott and Pat at [email protected].

On this week’s Money Matters, Scott and Pat discuss one of their favorite tax-savvy investment strategies and the key factors driving this bull market. Scott and Pat advise an investor who wants to track his tax obligations on Roth conversions. A Seattle man asks how he can encourage his 61-year-old sister to start saving for retirement. A mother wants to know if her daughter, a student in medical school who overestimated how much she would need for tuition, should return approximately $17,000 that she overborrowed. Scott and Pat speak with a public employee in Illinois who asks how he should consolidate a 457-plan worth $180,000, and an IRA worth $30,000. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week's Money Matters, Scott and Pat discuss how low-interest rates are driving the market and why a Danish bank is offering 20-year mortgages at 0%.   Scott and Pat advise a marine who wants to save money for his six grandchildren. A Sacramento caller making $110,000 a year asks if he should continue to rent or if he should buy a home. A mother in California asks how Prop 19 will affect her plan to pass her house on to her children. Finally, Scott and Pat speak with a New York caller who wants to help her nephew refinance his $85,000 mortgage. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.

On this week's Money Matters, Scott and Pat discuss the stock market’s perplexing surge, how bubbles have historically formed, and how disciplined investors can respond in the meantime. Scott and Pat advise a law enforcement officer, with a yearly family income of $138,000, about when he can retire. A public school counselor is starting an e-commerce business and asks how she should form her company. Finally, a caller who was recently diagnosed with cancer asks how she can plan for her financial future. Ask a question by clicking here, or email Scott and Pat at [email protected]. Download and rate our podcast here.