Paul and Ema take a deep dive into everything related to gifting money, including limits, the impact on your gift tax exemption over your lifetime, and ways to gift where you don't have to worry about those limits. Also, what are some potential mistakes to avoid? And what about gifting 529 plans? All of that and more on this gifting episode!

What is ESG investing?  Paul Lane and Ema David provide an in-depth overview of ESG investing (Environmental, Social and Governance, which involves positive returns and long-term impact on society, environment and the performance of the business.

What exactly is behind your credit score? On this episode, Paul and Ema dive into the most important components of what determines your credit score, including both the positive and negative impacts. What steps can you take to improve your score? And what precautions can you take to avoid dings to it? Everything you need to know about credit is in this jam-packed episode!

Interest rates have significant implications on the economy, the stock market, housing, and daily consumer behavior. On this episode, financial advisors Paul Lane and Ema David discuss the trickle down effect of interest rates in several different key areas. Also, what exactly is the 10-Year Treasury yield and why has it been driving volatility on Wall Street? All that and more on this episode of DQSM!

It's never too early to start saving for retirement. But what percentage of your paycheck should you dedicate to your retirement savings? Paul and Ema walk you through their best retirement savings methods, and also discuss other items including 401k contributions and your company's match. Also, what is a Roth IRA and what are the tax benefits that come along with it? All that and more!

The GameStop craze driven by traders on Reddit's forum "WallStreetBets" caused chaos and turmoil on the markets, especially hedge funds. Financial advisors Paul Lane and Ema David take a deeper dive into what caused the retail investor frenzy, analyze this new wave of investors taking advantage of commission-free trading and also urge caution while trading volatile stocks.

Financial advisors Paul Lane and Ema David take a closer look at how and when to create a 529 plan to get a head start on planning for college for your child. Also, what is the difference between a 529 and a UTMA?

The next generation of young investors have been taking advantage of a new offering of fractional share trading. Now, these young investors are focusing on how much they can afford of a particular stock like an Amazon, Apple or a Tesla as opposed to how many shares they own. Financial advisors Paul Lane and Ema David take a deeper dive into this latest trend and also answer several popular questions for new investors like what happens when a stock splits?

According to a recent survey, just 39% of Americans can afford a $1,000 unexpected expense. Are you prepared for this possible scenario? On the debut episode of Dumb Questions for Smart Money, financial advisors Paul Lane and Ema David highlight some valuable strategies to help build your emergency savings.