First Hour:

Inflation: Avoid variable rate loans, credit cards and Home Equity loans. Expect car loans to become 6-10 years.

Second Hour:

email: Helen & Geroge 76yrs old have been retired 10 years. "We may have overspent in the first years". 

email: Heather & Justin in their 30's. Heather is going to stay home with new baby for a few months and Justin just started a new job. "How do we save money and have the proper life insurance?"