Do you have any advice on becoming financially independent like where to start (Darren, Switzerland) Scott shares the first three steps to building a life of freedom. LISTENER QUESTIONS: Can I withdraw money from a ROTH IRA before age 59 1/2 without penalties and interest (Roman, Belgium) Can someone that’s a fiduciary still sell me investments in my 529 plan that are commission based (Amberlee) Is it a good idea to pay down the mortgage with a $20,000 bonus (Jackie) What are some cheap ways to save on energy bills during this winter (Olivia, Maine) ===== Teach pre-school kids good money habits - Money A to Z is here: https://tinyurl.com/MoneyAtoZ