Clutter is everywhere. We buy more stuff to make us happy and all it does is makes us miserable and broke. How do we get out of the cycle? On today’s show we’ll talk to Tracy McCubbin, founder of cleaning and organizing company dClutterfly. On today’s show we’ll Declutter your stuff by getting behind the emotions of clutter and dispelling some long-held myths.

Plus, during our headlines segment, we’ll cover one shocking piece by InvestmentNews, claiming that retirees are going to miss out on $3.4 trillion by claiming their Social Security too early. Is this a case of needing more cash for basic living expenses, or just ill informed retirees cashing in a few years too early? In our second headline we’ll erxamine one trend that’s gaining a bit of traction: financial apps that charge users to save money. Is it worth paying money to save more?

After a little dose of Doug’s trivia, we’ll turn our attention to the Haven Life Line. Mike calls in today asking about 529 plans. His parents want to contribute to Mike’s son’s 592 plan. Can Mike use the interest from the account to invest in another account he owns?

And as we finish out our letters bag, we’ll tear open some mail from Brian, who has some questions about Roth conversions and the pro-rata rule. Can Brian and his wife avoid the tax hit if the conversion is done in his wife’s name?

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Thanks to MagnifyMoney.com for sponsoring Stacking Benjamins. MagnifyMoney.com saves users on average $450 when they compare, ditch, switch and save on credit cards, student loan refinancing, checking, savings and more. Check out MagnifyMoney.com for your savings.

Thanks to Skillshare for supporting Stacking Benjamins. Get TWO months of courses for free at Skillshare.com/SB.

Show Notes:

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Thanks to MagnifyMoney.com for sponsoring Stacking Benjamins. MagnifyMoney.com saves users on average $450 when they compare, ditch, switch and save on credit cards, student loan refinancing, checking, savings and more. Check out MagnifyMoney.com for your savings.

Skillshare

Thanks to Skillshare for supporting Stacking Benjamins. Get TWO months of courses for free at Skillshare.com/SB.

Check out Skillshare

<3:13> Headlines

• Retirees lose $3.4 trillion by claiming Social Security too early (InvestmentNews)
• These apps charge people for the privilege of saving money (MarketWatch)

<21:53> Tracy McCubbin

You can more about dClutterfly at Tracy’s website: dClutterfly.com

Keep up-to-date with Tracy on Twitter: @tracy_mccubbin

<47:38> Doug’s Trivia

• The Rosetta Stone was found today in 1799. It was the key to deciphering which ancient language?

<51:38> Haven Life Line

• Mike calls in asking about 529 plans. Mike’s parents are going to put money into his son’s 529. Mike wants to know if he can use the interest from the money for another account.

Join us Wednesday!