Have you ever thought, "Maybe I should be SPENDING more money?" Our guest today thinks that maybe you should re-examine how you're living. Bill Perkins, poker star and energy trader, says that investors have too much of their mindset set on the future, and not enough energy focused on the now of life. We'll discuss over-saving, being TOO frugal, and actually spending your money on today's episode.

Plus, how does an ETF that literally pays YOU to invest not gain enough attention to take off? It turns out...that free might not actually mean better. Weird, huh? We'll cover what went wrong with this ETF and others like it, during today's headlines. In our second segment, we'll cover the results of a financial retirement report showing nearly half of all retirees have to make big spending cuts after 5 years. Here's a reminder: when you're planning for retirement, your cash has to last you through ALL of retirement.

During the Haven Life Line we'll take a voicemail from Jenny, who wants to know the differences between a value fund and a growth fund. How can you tell one from another, and which is better? Should a portfolio include both funds for diversification? Are there different uses for each fund? Does the amount of time until retirement matter for picking a fund type?

In the spirit of Bill Perkins, we'll also save some time for Doug's gambling-themed trivia. Enjoy!

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