We kick things off talking about the Child Tax Credit and how to opt out if you don't want it. Jackie says, just because you get a check from the Government, it doesn't mean you have to spend it. Plus, should we adjust the "4% rule" because of inflation? Jackie reminds retirees that the "4% rule" is just that, a rule. Finally, what we need to do now to our finances before the calendar flips to 2022. 

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