Chris and Brian discuss the notion of people investing for income (dividends, interest) versus total return, and being cautious of hidden risk when investing purely for income. Scott joins Chris to talk about an IRS financial scam reported on by the Wall Street Journal recently – protect yourself by: registering your number with National Do Not Call Registry, installing a call screening or blocking on your landline, and installing a robocall blocking app on your cell phone. They also discuss the Democratic Presidential candidates' income and investment tax proposals, and lessons of the week.