This week is our first Question-and-Answer show of 2026, and there is plenty to discuss. David and Jim Inman will tackle a variety of topics, including:

• What options do I have to fund an Indiana 529 college savings account?
• Who sends the funds in a QCD (Qualified Charitable Distribution)?
• What should I do if I think my parents have signed up for a financial scam?
• If my child and I pass away at the same time, how are my beneficiary designations handled?
• What happens when an adult child passes away and leaves an IRA to an elderly parent?
• Is there really a big difference in taking Social Security at 65 versus 67?

All this and more on the show this week! 

What are the five biggest retirement mistakes people make? David will share the list with listeners this week and give some suggestions on how to avoid them. 

Also this week - health insurance before age 65 can be a challenge for many people, and David will offer some ideas to potentially lower your costs of coverage. 

David will also discuss a recent Wall Street Journal article on how the US economy seems to me moving from labor to capital, and also share about using a 529 College Savings Plan and Roth IRA to make a down payment on a home. 

On the show this week... David discusses Ed Slott's Retirement Tax Savings Timeline - things everyone should consider as they get closer to retirement. He will also share about why the global economy is hooked on debt, and the emotional side of retirement - and why "mattering" does matter!

David welcomes Jolene Dixon, District Manager for the Bloomington Social Security Administration office, back to the airwaves this week.

Jolene was last on the show in April 2025 - before the One Big Beautiful Bill Act and a government shutdown. She's back to share what's new with Social Security, give you some things to consider when planning for your financial future and what happens when you apply for benefits. David will also have some real-life situations to share with listeners as well.

This week David is back in the studio, and there is much to talk about as January wraps up. David welcomes Rod Holloway from CFCI to the program to discuss tariffs and market fluctuation, as well as what's going on with Greenland and Europe - and the possible impact on the American economy.

David will also share about the great wealth transfer that is coming over the next several years - including the real estate transfers from Baby Boomers to their children and grandchildren.

Plus - you'll hear the first-hand stories from David's trip to Miami to watch the Hoosiers play in the National College Football Championship game! 

Happy New Year! David is back in the 98.7 The Zone studio this week to recap 2025. Doug Hughes will be joining him for the conversation regarding President Donald Trump's year, tariffs, geopolitics, national and global economies, artificial intelligence and more.

Oh, and some love for the IU Football team as well.

Catch the first new show of 2026 this week!  

David joined thousands of Hoosier fans at the Rose Bowl this week, and this week’s show starts with an update and then an encore of last week’s show.  

As the 2025 winds down, David will share how the holiday shopping season has gone so far, including a financial markets discussion with Rod Holloway from CFCI. 

Also, if retirement is in your sights for 2026, David will offer some tips to "get ready to get ready." 

This week David welcomes his father, Jerry Hays, back into the studio for their annual year-end program. David and Jerry will talk about real estate and banking (both fields Jerry has worked in), how to do retirement right and share some holiday cheer.

David will also be discussing holiday shopping for Gen Z, the Affordable Healthcare Act and what's going on with it and much more.