Ray Kroc built McDonalds into a juggernaut and built his own fortune into the billions. When he died, his wife Joan made the decision to give it all away upon her death. How did they build this money-making machine? How and why did she give it away? We talk empire-building and estate planning on today's show! Lisa Napoli, author of the new biography Ray & Joan joins us in the basement with stories and lessons.

In our headline segment we reveal some disturbing information about car trade-ins and the results of a retirement plan survey. We throw out the Haven Life line to Dave, who asks about refinancing his student loans, and take a letter from Stacey, who wants to know how to invest an inheritance. Should he pay down low interest debt or invest? Or course we also throw in a helping of Doug's trivia and much, much more!

Special thanks to  SoFi and Magnify Money for sponsoring our show!