#74: Former financial planner and friend of the show, Joe Saul-Sehy from Stacking Benjamins, joins me to answer the following listener questions: Kicking off today's episode, Nicky asks: I'm young and healthy. My car is old and not-worth-much. And my personal property isn't exactly fancy-pants. Do I *really* need health, auto and property insurance? Or can I drop these insurances and save the money? _______ Next, Shelbi says: I'm 26, recently earned a graduate school diploma, and I'm taking the first steps into my career. I take home $2,600 in monthly income, and my cost-of-living is $1,900 per month. I maintain a $5,500 emergency fund and invest 20% of my income into a Vanguard Target Date Retirement account, with a Roth tax setup. I'll get an employer match after I've spent another year on the job. My employer also contributes $100 per month into my H.S.A. account, which is the only money that I'm putting into that fund. I hold $49,000 in student loans (yikes!!) at 6.8% interest. I pay $400/mo towards this debt, which is included in my $1,900 cost-of-living and is more than the minimum required. My goal is financial independence and early retirement. She asks these three questions: -- Should she lower the 20% she's putting into her 403b in order to max out her Roth IRA and HSA, instead? -- Should she prioritize repaying her student loan debt over retirement savings? -- Should she schedule a private coaching call with me? (Surprisingly, I said no. Tune into the episode to find out why.) _______ Next, Nicole asks: What types of investments can you hold inside a self-directed IRA? If I open one of these accounts, what custodian should I use? _______ Finally, our friend anonymous asks: What's the deal with bond investing? What's a coupon payment? A maturity date? WTF? Can you help me make sense of the world of bonds and bond funds? _______ Joe and I tackle these four questions ... plus reveal a top-secret recipe for the Best. Oreo. Cookie. Dessert. EVER. Like, *ever.* Enjoy! -- Paula _______ For more information, visit the show notes at https://affordanything.com/episode74