Ryan and Sandy chat with Kevin Walker of CollegeFinance.com about how Covid-19 has changed the ways families are planning and saving for college. The hosts chat about tax refunds and delve back into the reader mailbag for a question on paying for a home in retirement. --LINKS-- Tax refunds delayed: https://www.taxpolicycenter.org/taxvox/where-my-income-tax-refund; Where is my refund? https://www.irs.gov/refunds; What to know about your W-4: https://www.kiplinger.com/slideshow/taxes/t056-s001-new-w4-form-for-2020-irs-tax-withholding-changes/index.html; IRS tax withholding estimator: https://www.irs.gov/individuals/tax-withholding-estimator; 7 ways the pandemic will change college forever: https://www.kiplinger.com/slideshow/college/t014-s010-ways-the-pandemic-will-change-college-forever/index.html; CollegeFinance: https://collegefinance.com/; Low interest rates reduce the cost of mortgages: https://www.kiplinger.com/article/real-estate/t040-c000-s003-low-interest-rates-reduce-the-cost-of-mortgages.html