The Equifax settlement has finally reached the point where the average person may claw back some compensation in exchange for their role in the data breach. The federal government has set up a website where you can easily determine if you were affected by the problem and claim $125, free credit monitoring, or if you were more damaged, possibly more money. In our second story, is a target date fund right for you? We'll discuss a recent Kiplinger piece which explains how target date funds work, and of course both Sandy and Joe will have their own opinions.