This is Financial Insanity w-Scott McLean.  Today's show is protecting yourself from scams.  There are always risks to retirement. The Wall Street Journal says the biggest financial risk is cognitive decline.  Scary risk can rob you of your best judgement and sometimes it can go unoticed.  It's a look at the top five scams you should be aware of.   Plus, don't count your chickens before they hatch.  Find out what this means when it comes to finances and how to keep from counting chickens in our nest egg.