Hour 3: Mike Elam, in for Mark Reardon, welcomes Bart Humphrey, VP of Education and Development at Securus "Circle of Advisors" to discuss why 20% of people over 55 don't believe they will ever be able to retire & if there is anything they can do. Then, Brad Young, 97.1 Legal Analyst with Harris, Dowell, Fischer and Young, breaks down last night's new charges against Donald Trump. Later, Mike Brings you the Audio Cut of the Day!