Special guest Bill Murray joins the show and shares his favorite financial advice. Plus, John dishes about spending time with Bill and his brothers at a recent event. 

PGA Player of the Year Patrick Cantlay won the FedEx Cup and 15 million dollars.  One million of that bonus automatically goes to his retirement fund.  But even Cantlay has said being at the top of the golf world won’t last forever and expects earnings to fluctuate year-to-year.  How can someone safeguard their retirement savings for future years when their current income amounts may be uncertain?  Should contributions adjust accordingly, or should you still try to make them steady and consistent?