Why do so few people have bank accounts? Carol Realign, co-author of Financial Inclusion at the Bottom of the Pyramid, joins us in the basement to talk about banking innovation around the world AND what changes she sees for all of us in the future.

PK from DQYDJ.net joins us to discuss some banking stats from WalletHub. It turns out that most people "in the system" might struggle with high fees.

Joe & OG look at the rest of the year, and Kiplinger's predictions about the rest of the year. Will the market begin to recover?

We also answer your letters, and share great news from SoFi and MagnifyMoney, our show sponsors.