0:01:17 - Money really can buy happiness. A new study shows a strong correlation of money and happiness. It doesn't have anything to do with accomplishments, either. If a person won the lottery or inherited money, the results are about the same as earned financial success. Gregory points out that the more money you have, the more options you have, and that's a huge contributor to achieving real happiness.

0:16:35 - Emile watching on Facebook Live asks Gregory: should he continue contributing to his 401k at work, or redirect that money to a Roth IRA? Gregory walks through the different tax worlds in retirement investing, and stresses the importance of having having some tax free income in the mix.

0:24:45 - Robert in Houma went to a seminar for someone selling annuities, and wanted a second opinion from Gregory Ricks on some of the different financial tools mentioned. Robert asks Gregory about the process of how a fixed annuity works.

0:35:17 - Gregory teaches you how to decode whether the financial professional you're evaluating is a salesman pushing product. Having a fiduciary means they will act in your best interest, even if that means not working in alternative investments.

0:41:14 - Ray in Houma asks Gregory Ricks if his wife can draw a Social Security check based off the record of her ex husband who has since deceased. Easy answer: No. Once you're remarried, you can no longer draw a benefit from the record of a deceased spouse.

0:47:30 - What happens when a Reverse Mortgage is finished? Dwayne Stein, from the Total Wealth Authority and host of MortgageGumbo.com, explains how the options work in a Reverse Mortgage Maturity Event. There's several different events that can trigger a Maturity Event, including if you live outside of the residence for 12 months.

1:00:18 - What happens when you get a reverse mortgage and then change your mind? Gregory Ricks and Dwayne Stein explore scenarios that could play out if you get a reverse mortgage, but then decide later that this isn't a good fit.

1:13:40 - John in Violet asks Dwayne Stein and Gregory Ricks about some of the basics of reverse mortgages. What's the average lifespan of a reverse mortgage? How are the payments structured?

1:25:06 - Is the Fed going to raise rates twice before the end of the year? Gregory and Dwayne discuss the conditions the Fed reviews when deciding on rate hikes.

1:34:35 - The stock market breaks the record for the longest bull market in history! Strong fundamentals are behind the latest market rally, with profits beating expectations on average all year.

1:36:32 - Gregory illustrates how job statistics are painting an optimistic future of the economy in the near term. There are some concerns when it comes to international trade, and the stock market has been mostly sideways this year, so there's a chance another big rally is in the works.

1:42:16 - You probably have a million dollars and don't know it. When you think about how much money you would need to generate your Social Security benefits per couple without a spend down, it's about a million dollars. The decision on how you can maximize your Social Security benefit is a million dollar decision.

1:47:16 - John in Jackson asks Gregory if he should use some of his liquid assets to pay off his mortgage.

1:54:57 - Bill texts in from the Winning at Life app if there's any restrictions on a reverse mortgage for his guest house that doesn't have central air.

1:57:53 - How much can you contribute to your HSA? Robert texts in a question from the app about the annual funding cap on a Health Savings Account. Gregory walks through the different caps on HSAs depending on your age and marital status.

2:02:04 - What should you do with an annuity maturing soon? Cheryl emails a question to Gregory about how to handle her annuity when it matures early next year. Gregory walks through the factors you need to consider when deciding the fate of your maturing annuity.

2:05:04 - Can you get interest from the unused portion of a HELOC. Jim texts in a question about getting interest on a line of credit, but the story from earlier in the show was a line of credit from a reverse mortgage, not a HELOC.

2:08:17 - David asks Gregory if filing for bankruptcy is a good way to get his debt under control. He has a huge student loan debt, and a pretty big credit card balance. Gregory points out that student loan debt is basically immune to bankruptcy, and he'd probably be better off just bucking up and paying down the debt over time.

2:11:32 - Can savings apps like Acorn really help you start saving more money? Gregory

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