Sandy tells you why you should begin filing your taxes as soon as you get your W-2 form in a main-segment interview. The cohosts discuss common nuisance fees (and how to avoid them) and Ryan explains why you likely need renters insurance if you don’t have it already. --LINKS-- How to avoid paying pesky fees: https://www.kiplinger.com/slideshow/spending/T063-S002-how-to-avoid-paying-pesky-fees/index.html; Best rewards cards, 2019: https://www.kiplinger.com/slideshow/credit/T016-S003-the-best-rewards-cards-for-you-2019/index.html; Check for resort fees: http://www.resortfeechecker.com/; Find a fee-only financial planner: https://garrettplanningnetwork.com/; Which robo-adviser is best for you?: https://www.kiplinger.com/slideshow/investing/T023-S002-14-robo-advisers-which-is-the-best-for-you/index.html; How early can you file your tax return? https://www.kiplinger.com/article/taxes/T056-C005-S001-when-can-i-file-2019-taxes-in-2020.html; Tax tips page: https://www.kiplinger.com/fronts/archive/column/?column_id=5; 2019 HSA contribution limits: https://www.shrm.org/resourcesandtools/hr-topics/benefits/pages/2019-hsa-contribution-limits-rise-irs-says.aspx; IRA contribution limits: https://www.fidelity.com/retirement-ira/contribution-limits-deadlines; Why you need renters insurance: https://www.kiplinger.com/article/insurance/T028-C011-S001-why-you-need-renters-insurance.html