Great habits start in the morning, and author of the Miracle Morning, Hal Elrod joins us in the basement to talk about building successful days from the beginning.

Also - new chip-based credit cards will be widely used starting tomorrow...what should you know? We also tackle getting to sleep more quickly, and robo advisors stealing clients from human advisors.

Of course we answer your questions about HSAs and stock picking newsletters. Can you use newsletters to learn about the market and individual stocks?

...and that and more! Thanks to SoFi and MagnifyMoney for sponsoring our podcast.