Brian talks about private equity funds and fractional share investing. Private equity investments are potentially high return investments, but carry extra risk since they lock money up for typically 7 years, need to be an accredited investor, and come with high fees. Investment firms are competing by selling fractional stock shares so investors can afford higher prices stocks as one way to build a diversified portfolio. Scott answers questions from the mailbag. When should I take social security? Does my money need to last until 100 years old? Do I need long-term care insurance?