A texter is 30 and wants to know the best way to start saving for retirement. A texter wants to know the best way to get better credit with debt. BJ wants advice about retirement as the stock market has been having tough times. Steve bought summer furniture on sale. Caller Derek wants to know if he should consolidate his credit card debt with equity in his house. Caller Tonya is going to be getting $100,000 and wants to know how to properly invest it.