Podcast hosts Ryan and Sandy welcome Kiplinger's associate editor and resident travel expert Miriam Cross to talk tips for traveling in style on a tight budget. The pair also discuss retail return policies and try to stump each other in a new edition of Financial Fact or Fiction. LINKS: ConsumerWorld on return policies: https://www.consumerworld.org/pages/returns.htm 21 Ways to get luxury travel for less: https://www.kiplinger.com/slideshow/spending/T059-S002-21-ways-to-get-luxury-travel-for-less/index.html When to hire a travel agent: https://www.kiplinger.com/article/spending/T059-C000-S002-when-to-hire-a-travel-agent-to-plan-your-trip.html More info on Roth conversions: https://www.kiplinger.com/article/retirement/T046-C000-S004-last-chance-to-undo-a-roth-conversion.html  Invest early and often (Ryan’s column): https://www.kiplinger.com/article/investing/T047-C047-S002-start-investing-now-uh-yeah.html