BONUS DISCUSSION:  Dr. Rayna Stoycheva, director of Retirement Security Policy at The Harkin Institute For Public Policy and Citizen Engagement, in Iowa, joins the "ROI" team for episode 519 to discuss "The Social Safety Net."

The host for this episode is Jay Swords, and the history buff is Brett Monnard.

Opinions expressed in this program are those of the hosts and the guest(s), and not necessarily those of KALA-FM or St. Ambrose University.  This program is recorded at KALA-FM, St. Ambrose University, Davenport, Iowa, USA!