When we shut off the lights and can’t shut off our brains, what should we do? This week, we sit down with Nancy H. Rothstein, The Sleep Ambassador, to discuss why our sleep is suffering, how to turn it around and why doing so is in our finances’ best interest as well. In Mailbag, we talk personal loans, where to keep emergency savings for the best returns, and traditional and Roth 401(k)s.