Spend less than you earn, invest, Stack Benjamins, and retire to a beach for the rest of your life, (or insert personal retirement fantasy here). It sounds simple... right? As a set of guidelines, sure it's simple. BUT in reality, it's not so easy, and as studies have shown time and time again, doing your dream retirement activity (like golf) every day gets old very quickly. While money is obviously the most important component to any retirement, the "to-do" list doesn't stop there. Helping us fill in the blanks, and joining us for our round table today, we welcome CFP Dana Anspach from Sensible Money, Len Penzo from the LenPenzo.com blog, and our very own OG.

EverPlans: Introducing a company helping you plan for the worst.

After our contributors get their fill on retirement advice, Joe sits down with the founders of Everplans, a company designed to help you store key information in one place in case of the worst happening. During our Friday Fintech interview, company founders Abby Schneiderman and Adam Seifer explain why it's so important for your loved ones to have easy access to your important documents, and how quickly things can go wrong when your family can't access your information. They take a topic most of us would rather put off and share stories that are fun, insightful, and actionable. We're glad to shine some light on the importance of making sure your family is taken care of in case of the worst happening.

Should you hold onto bonds for a change to make money on the market?

As always, we finish today's show with a MagnifyMoney question. Scott tells us he's holding long-term Treasury bonds in his portfolio with the hope the bonds will jump in price when the stock market crashes. He would then use the profit to buy stocks while they're low. Scott asks: do long-term treasuries still spike in a near-zero interest rate environment, or does that only happen when rates are cut?

Of course, Doug gets airtime halfway through the episode for his game show, and he's in the holiday spirit today. You'll see what holiday season he means later... enjoy! 

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