There is no other word to describe recent stock and bond returns, other than awful. The six months ending June 30th ranked in the bottom 2% in history for a balanced portfolio. Dave and Steve discuss the current state of the markets and what we should expect for the rest of the year. What will the Secure Act 2.0 mean for your RMDs? Should I buy I bonds right now? And why are so many people filing early for social security? Hear all this and more in the latest episode!