03:23 - Debbie in Slidell asks Gregory how her pension from the school system will affect her Social Security check. She heard from a person at Social Security her benefit will be cut by about two-thirds. Gregory drills down with a few questions, and Debbie's situation is not nearly as bad as she has been led to believe.

09:56 - Robert in New Orleans asks Gregory if putting real estate in a trust is a good idea. Gregory warns about high tax rate and costs of a trust, but it does buy you more control.

15:47 - Gregory shares a pet peeve of a commonly seen piece of bad advice from financial world. Not everybody in the investment world is licensed as a fiduciary, and the guys who only have an insurance license sometimes have an incentive to put too much money in annuities. The commissions are great, but it may not be what's best for the you.

25:34 - Charles in Slidell asks Gregory: can I retire early? Charles wants to quit working at age 62. He doesn't have much saved thus far, so he may be better off working a few extra years.

35:38 - Joe in Metairie asks Gregory how he could best utilize Social Security spousal benefits. His wife's record is significantly bigger, they both will get pensions, and they each have savings in a retirement account.

41:01 - Kenny in Covington is 41 years old and saving for retirement. He wants to know if Gregory thinks he's on the right path.

43:52 - John in Lockport wants to retire early, and asks Gregory if he's on the right track.

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