Wondering what to do about the market right now? Troy and Alan coach three different people through their investment decisions. From when to become more conservative in your investments to using a Roth 401(k) option to retiring early, you'll want to hear what they have to say on today's show. How would Troy and Alan build a plan around these people and their unique situations?

Here are the questions we answer from the mailbag:

• At what age do I need to become a conservative investor? (1:13)
• Should I use the Roth 401(k) option at work? (5:40)
• Can I retire now? (9:52)

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