Ryan and Sandy talk with financial coach Cait Howerton about the unique financial challenges faced by those in the LGBTQ community, and what they can do to overcome them. The hosts tell you why it's high time to get your REAL ID, and Ryan explains the difference between risk capacity and risk tolerance.

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It might be time for a new driver's license: https://www.kiplinger.com/article/cars/T059-C000-S002-it-might-be-time-for-a-new-driver-s-license.html; Cait's website: https://diversifinancialplanning.com/; SmartPath financial coaching: http://www.joinsmartpath.com/; Retirement housing options for LGBT seniors: https://www.kiplinger.com/article/retirement/T036-C000-S004-retirement-housing-options-for-lgbt-seniors.html; Financial pitfalls as same-sex couples marry less: https://www.kiplinger.com/article/retirement/T065-C032-S014-financial-pitfalls-as-same-sex-couples-marry-less.html; Timely strategies to Protect Your Portfolio: https://www.kiplinger.com/article/investing/T052-C000-S002-timely-strategies-to-protect-your-portfolio.html; ETFs for portfolio protection: https://www.kiplinger.com/slideshow/investing/T022-S000-the-11-best-etfs-to-buy-protect-market-crash/index.html; Vanguard's investor questionnaire: https://personal.vanguard.com/us/FundsInvQuestionnaire