- Scott recalls the time he wasn't good enough or had enough money to go to grad school, and how it was an opportunity, not a defeat. - Sales of annuities are increasing. What you need to watch out for. - Charges to not put on your credit card - One person's plan to retire in ten years. Listener questions: - How to overcome impulse purchases (Chara) - Starting a life coaching business (Esther) - Is it time to build or to save if we're $90,000 in debt (Traci) - How can I help my husband while I'm in school (M) Resources/links: