This week on “Money Talks,” the show hosts discuss the year-to-date sector performance, focusing on the counter cyclical sectors Energy, Utilities, and Real Estate. They also touch on the Employment Situation, the Producer Price Index, and mortgage rates. The experts compare saving money to a Roth IRA for tax-free retirement funds versus taking the tax break now by saving pre-tax money to a 401(k). The show hosts also answer listeners’ questions on IRA to Roth IRA conversions and e-commerce platform Shopify.