01:11 - Would you like a free book explaining ways to build tax-free income streams for retirement? Gregory is giving away copies of this quick read only to those who are serious about taking their investments to the next level.

12:29 - Gregory and James discuss a couple of news items: how some people think the national debt is not a problem, and is it a good idea to import thousands/millions of homeless illegal immigrants who skipped the line?

18:18 - It's RMD season! Do you know when you're required to start taking distributions from your IRA or 401k? Gregory explains how if you turned 70.5 last year, you need to make a Required Minimum Distribution by April 1 to avoid a brutal penalty.

24:02 - Lou in Houston sends in a text from the app asking Gregory about how the Social Security rules govern his divorce situation. While they are still married, she can turn on a benefit off of his record when he reached Full Retirement Age. However, when you get a divorce, there's a two year wait before you can collect. Gregory also advises this could be a bargaining chip in divorce negotiations.

28:38 - We review a great call from Saturday's show: Jeff in Hammond asks Gregory the difference between the Windfall Elimination Provision and the Government Pension Offset? How do these affect your Social Security benefits?

36:02 - Earl emails Gregory about his wife on Social Security going back to work at age 68. Will they take some of her check back? Does she still have to pay into the system? Will she build up a bigger benefit?

39:56 - The Northshore office of Gregory Ricks and Associates is now open for business!

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