Episode 16 breaks down the shift from pensions to 401(k)s, the Studebaker collapse and the Ariza Act, and why retirement responsibility has moved to individuals. The hosts debate investment risks, matching, and practical steps to start saving.

They also cover current events—an immigration overstay case, Nigerian strikes and civilian harm—local pedestrian safety, and film discussion of Wakanda Forever and Get Out, wrapping up with a direct call to begin planning for retirement.