Liz Ann Sonders (Chief Investment Strategist, Charles Schwab & Co.) provides insight on what happened in the market in 2018 and her outlook for 2019. Liz Ann discusses the causes of recent market volatility, the Fed funds rate, the possibility of a recession in 2019 and what investors should do now. Plus, Joe and Big Al answer your email questions: If you're saving 55% of your income, should you keep saving or have more fun? Should you save for kids' college or your own retirement? Isn't deciding when to take Social Security a lifestyle choice? Finally, a look at how the gurus fared with their 2018 market predictions. Transcript & show notes: http://bit.ly/YMYW-204