Retirement planning is all about starting early and planning well, which is why we’re excited author Emily Guy Birken (Choose Your Retirement) joins us in the basement to share her top 5 retirement myths.

That’s not all we do on this show, though. OG & Joe share headlines about “smart beta” and the ROI of a college education. We take your letters about life insurance and improving your credit score….and much more.

Thanks to MagnifyMoney.com and SoFi for sponsoring our podcast.

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Show Notes:

<> Open

<>Headlines

• Advisers pouring more money into smart beta funds
• If you’re under 30, you’re probably thinking about investing all wrong

<>Emily Guy Birken

Emily’s website: WiseBread

Twitter: @EmilyGuyBirken

Emily’s book (courtesy of Big Ben’s Flea Market):

<>Doug’s Trivia

• Today’s trivia question: how many states in the US have no state income tax?

<>Letters

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<>The Big So What

<>This Week’s Bundle of Books

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