A free frisbee changed Jason Vitug's life, sending him on a path of horrible decisions that later led him to some epic discoveries about himself and his ability to achieve. How? He's the author of the new book, You Only Live Once, a Road Map To Financial Wellness, and we'll talk with him about the frisbee, his bad-to-awesome decisions, and his belief that anyone can turn their life around by deciding it's time to do better.

It's a powerful interview.

Also! OG's baby has arrived (congrats OG family!) so Doug Goldstein from the popular Rich as a King podcast (and author of the Rich as a King book) sits in the co-host chair today. We tackle headlines about government statistics and about health care. Should you plan on much higher costs for health care during retirement? We tackle a question on the Quotacy hotline about reverse mortgages and a letter from the mailbag about finding a financial advisor. How do you look for one?

Thanks to SoFi and MagnifyMoney.com for sponsoring our show. Looking for a better debt repayment strategy or better financial instruments? Use our hosts' links to save tons on fees and interest.