Sandy breaks down last-minute moves to make before the end of the year. The pair discuss strategies for building an emergency find. Ryan explains how mutual fund expense ratios can affect returns. --LINKS-- Emergency funds can reduce stress: https://www.kiplinger.com/article/saving/T065-C047-S002-emergency-funds-can-reduce-stress.html; Money moves to make to prepare for 2020: https://www.kiplinger.com/slideshow/saving/T023-S002-money-moves-to-make-now-to-prepare-for-2020/index.html; The American Opportunity Tax Credit: https://www.irs.gov/credits-deductions/individuals/aotc; Lifetime learning credit: https://www.irs.gov/credits-deductions/individuals/llc; Retirement savings for the self-employed: https://www.kiplinger.com/article/retirement/T047-C000-S002-retirement-savings-for-the-self-employed.html; Beware of mutual fund costs: https://www.kiplinger.com/article/investing/T041-C032-S014-beware-of-hidden-costs-in-your-mutual-funds.html