Kiplinger Retirement Report editor Rachel Sheedy joins podcast hosts Sandra Block and Ryan Ermey to discuss the changing landscape of retirement saving. The pair also share smart ways to spend your tax refund and explain all the fuss about the yield curve.   --LINKS-- Great ideas to spend $1,000 (2019): https://www.kiplinger.com/slideshow/spending/T050-S002-great-ideas-for-1-000-home-travel-gifts-fitness/index.html; Ideas from 2018: https://www.kiplinger.com/slideshow/spending/T050-S002-12-smart-ways-to-spend-1-000/index.html; Investment portfolios built from the Kiplinger ETF 20: https://www.kiplinger.com/article/investing/T022-C000-S003-kiplinger-etf-20-portfolios-for-all-investors.html; Sandy’s charity: https://www.donorschoose.org/; HSA myths: https://www.kiplinger.com/slideshow/insurance/T027-S003-10-myths-about-health-savings-accounts/index.html; 6 ways to build a nest egg with a Roth: https://www.kiplinger.com/slideshow/retirement/T046-S004-6-ways-to-build-a-roth-retirement-nest-egg/index.html; How to handle an RMD: https://www.kiplinger.com/slideshow/retirement/T045-S004-9-smart-strategies-for-handling-rmds/index.html; Draw a paycheck from your portfolio: https://www.kiplinger.com/article/retirement/T037-C000-S004-how-to-draw-a-steady-portfolio-paycheck-retirement.html; Prepare for retirement: https://www.kiplinger.com/slideshow/retirement/T047-S004-ready-to-retire-8-steps-to-a-happy-retirement/index.html