THE Jill Schlesinger returns to the basement to talk about three horrible investments people buy: gold, reverse mortgages, and hedge funds. We'll also discuss annuities, permanent life insurance, and other frequent offenders. If you're using any of these products, don't panic! These can all be used successfully in your plan, and Jill will talk about the horrible ways people are tricked into using these products so that you don't make the same mistakes.

Then, in our headlines, we'll cover a piece about industry "sheriff" FINRA cracking down on companies offering expensive 529 plans. Companies will have until April to report themselves and avoid potentially big fines. We'll break down the big picture and what it means to you before we field a call from Trim CEO Thomas Smyth. Mastercard is unrolling a new plan to add consumer protections against those tricky "free" trials that we've all fallen pray to at one point or another. We'll dive in with Thomas to figure out what's all going on with the world of subscriptions and hidden fees.

We're also throwing out the Haven Life Line to Xandra, who's fully invested in the total stock market index fund. With her 401k, HSA, and IRA taken care of, should she be branching out into emerging markets and small cap growth funds to diversify? We'll field a letter from Huy, who's being doing well with their 401k, but wants to open a Roth IRA. So... what exactly is an IRA? How do you open one? We'll break it down for Huy during out letters segment.

And don't worry... we'll still have time for Doug's trivia.

Thanks to Omax Health for supporting Stacking Benjamins. Visit Tryomax.com/sb for your free box of Omax3 Ultra-Pure with your first purchase.

Thanks to Away for supporting Stacking Benjamins. Go to AwayTravel.com/sb and use the promo code sb to get $20 off a suitcase!