Most people think that estate planning is only a concern for the wealthy, but a little planning can save your loved ones a lot of grief and expense when settling your affairs.  Listen to Steve and John to learn about five issues you should address in your own estate plan. Then, risk is unavoidable when investing in securities, so how do you cope with the anxiety? The Money Doctors will discuss four varieties of investing risk and steps that you can take to manage them. And finally, according to Bloomberg, the number of premature withdrawals from retirement accounts in the past few years hit record highs as Americans tapped into their savings during hard times. Find out why treating your retirement account as a piggy bank can have serious consequences, both today and in your future.