We start the show by reviewing a great call from Saturday's show: Jim in Bush calls to ask Gregory how his IRA's Required Minimum Distribution is calculated.

The Numbers covers the biggest trading day loss to start Q2 since the 1930s.

Scott in Biloxi has fallen on hard times since he became unemployed. He calls Gregory to ask about dipping into his IRA to get by until he finds work. Which account should the money come from? How will I be taxes? How much are the penalties? Do you have other options?

Gregory teaches you a rare exception with 403b accounts. If a 403b participant has funds in a plan before 1987, they may delay Required Minimum Distributions until age 75. The Old Money Rule allows you to delay only the monies vested in the plan before December 31, 1986. Contributions after the cut off are subject to regular RMD rules.

James and Gregory preview the IPO for Spotify. It's a rare direct listing, and still holds the same risks as a typical IPO. Spotify has been around 12 years, and still hasn't turned a profit.

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