Chris welcomes co-host Mike Burton from Slade Mortgage to the show. Chris fields a bunch of great calls from listeners. Questions include: How to invest $30,000 windfall for a child, merits of refinancing wife's student loans and discussion on points surrounding credit cards and the hazards in being "overextended". They also discussed the pros and cons of reverse mortgages and refinancing. They close out the show sharing the numbers for the quarter, international equities, and information on emerging markets.