Kiplinger.com web editor Andrea Browne Taylor joins the show for a discussion on the financial pros and cons of homeschooling your children. Sandy and Ryan break down options for your 401(k) if you're leaving your job. A new Wild Pitches segment features a dubious poll about taxes, and a bit of scam protection you likely don't need.

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How to decide on a 401(k) rollover: https://www.kiplinger.com/article/retirement/t001-c032-s014-leaving-a-job-how-to-decide-on-a-401-k-rollover.html; What to do with old 401(k)s and IRAs: https://www.kiplinger.com/article/retirement/t001-c032-s014-what-to-do-with-all-those-old-401-k-s-and-iras.html; The finances of homeschooling your kids: https://www.kiplinger.com/personal-finance/spending/601143/the-finances-of-homeschooling-what-to-expect; Kiplinger's tax-filing advice: https://www.kiplinger.com/taxes/tax-filing; How secure are contactless payments? https://www.visa.co.uk/visa-everywhere/blog/bdp/2019/07/30/contactless-payments-are-1564505005367.html

Ryan and guest host David Muhlbaum break down the rules for buying a used car in a main segment interview. The pair discuss nuances of the recent payroll tax cut and Ryan gives detail on his ranking of the best online brokers.

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Workers face double taxation under the payroll tax break: https://www.kiplinger.com/taxes/601322/how-workers-face-double-taxation-under-trumps-payroll-tax-break; How to save on a used car: https://www.kiplinger.com/personal-finance/shopping/cars/used-cars/600997/how-to-save-on-a-used-car; Get your car on the cheap: https://www.kiplinger.com/personal-finance/shopping/cars/601098/get-your-car-on-the-cheap; Kiplinger's 2020 online broker ranking: https://www.kiplinger.com/investing/wealth-management/online-brokers/601258/the-best-online-brokers-2020; Where's Robinhood?: https://www.kiplinger.com/investing/wealth-management/online-brokers/601276/best-online-broker-rankings-so-wheres-robinhood; Overlooked brokerage perks: https://www.kiplinger.com/investing/wealth-management/online-brokers/601271/most-overlooked-broker-promotions-perks

Ryan and Sandy interview Policygenius CEO and cofounder Jennifer Fitzgerald on shopping strategies for life insurance policies. Sandy fills you in on pandemic-related fees, and Ryan explains changes to the Dow Jones Industrial Average.

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Fannie and Freddie pushing Covid refi fee to December: https://www.americanbanker.com/news/fannie-and-freddie-pushing-covid-refi-fee-to-december; How to shop for life insurance: https://www.kiplinger.com/article/insurance/t034-c000-s002-how-to-shop-for-life-insurance.html; Compare and buy life insurance policies online: https://www.policygenius.com/; The Dow announces biggest shake-up since 2013: https://www.kiplinger.com/investing/stocks/blue-chip-stocks/601288/dow-jones-industrial-average-crm-amgn-hon-xom-pfe-rtx; Apple's stock split could dampen the Dow: https://www.kiplinger.com/investing/stocks/blue-chip-stocks/601159/apples-stock-split-dow-jones-industrial-average

Retired Kiplinger editor Janet Bodnar talks about preparing for choppy waters in retirement as well as the lessons she's learned about life as a retiree in a main segment interview. Ryan and Sandy go over rules for reversing RMDs, and a Wild Pitches segment touches on dual-state taxes and private jet sales.

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Retirees get a break with expansion of RMD waiver: https://www.kiplinger.com/retirement/retirement-plans/required-minimum-distributions-rmds/600944/retirees-get-another-break#:~:text=Rollovers%20Must%20Be%20Completed%20by%20August%2031&text=Now%2C%20retirees%20who%20took%20an,on%20a%20previous%202020%20distribution.; Staying calm in a crisis: https://www.kiplinger.com/article/retirement/t037-c022-s002-staying-calm-in-a-crisis.html; The joys of being retired: https://www.kiplinger.com/retirement/happy-retirement/601119/the-joys-of-being-retired; Expect surprises in retirement: https://www.kiplinger.com/article/retirement/t037-c022-s002-expect-surprises-in-retirement.html; How snowbirds can trim taxes in retirement: https://www.kiplinger.com/article/taxes/t055-c001-s003-retirees-living-in-multiple-states-limit-tax-bill.html; Kiplinger's state-by-state tax guide: https://www.kiplinger.com/kiplinger-tools/taxes/t055-s001-kiplinger-tax-map/index.php; Travel is cheap – where to go, and what to expect: https://www.kiplinger.com/personal-finance/spending/leisure/travel/601081/best-travel-deals-during-the-pandemic

Sandy and Ryan chat with RV Dealers Association President Phil Ingrassia the advantages and pitfalls of RV ownership. The duo answer a listener question about slashed credit limits and close the show with discussion of the Fyre festival, used cars and interest rates.

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Banks cancelling cards, cutting limits: https://www.kiplinger.com/article/credit/t016-c000-s002-banks-canceling-credit-cards-cutting-limits.html; Ted Rossman on handling a cut to his limit: https://www.creditcards.com/credit-card-news/banks-cutting-credit-limits/; 9 Reasons to retire in an RV: https://www.kiplinger.com/slideshow/retirement/t037-s001-reasons-you-will-want-to-retire-in-an-rv/index.html; 13 Reasons you'll regret an RV in retirement: https://www.kiplinger.com/slideshow/retirement/t037-s001-reasons-you-will-regret-an-rv-in-retirement/index.html; Go RVing: https://gorving.com/; National RV Dealers Association: https://www.rvda.org/; Government auctions and sales: https://www.usa.gov/auctions-and-sales; How to buy a car for less during Covid-19: https://www.kiplinger.com/article/cars/t009-c004-s002-buying-a-car-safely-during-covid-19.html; How to save on used car: https://www.kiplinger.com/personal-finance/shopping/cars/used-cars/600997/how-to-save-on-a-used-car; Low interest rates reduce the cost of mortgages: https://www.kiplinger.com/article/real-estate/t040-c000-s003-low-interest-rates-reduce-the-cost-of-mortgages.html

Ryan chats with CFP Board CEO Kevin Keller about how to hire, vet and pay for a financial planner. Sandy nerds out over the implication of the nationwide coin shortage, and Ryan explains the basics of hedging for inflation.

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America lurches toward a cashless future: https://www.kiplinger.com/article/spending/t057-c000-s002-move-toward-a-cashless-society-with-caution.html; Everything you need to know about the national coin shortage: https://slate.com/news-and-politics/2020/08/national-coin-shortage-everything-to-know.html; Find a financial planner you trust: https://www.kiplinger.com/article/investing/t023-c000-s002-find-a-financial-planner-you-trust.html; Let's make a plan: https://www.letsmakeaplan.org/; Check out an investing pro: https://www.investor.gov/; Finra's BrokerCheck: https://brokercheck.finra.org/; Protect your portfolio from inflation: https://www.kiplinger.com/investing/601115/protect-your-portfolio-from-inflation

Sandy and Ryan welcome back pod favorite Kyle Woodley for a discussion of investing winners and losers and what we can learn from them. The co-hosts clear up confusion around paying back stimulus checks and delve back into their backlog of bad PR pitches.

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Fat kid deals: https://twitter.com/FatKidDeals; Will you have to pay back any of your stimulus check: https://www.kiplinger.com/article/taxes/t054-c005-s001-will-i-have-to-pay-back-any-of-my-stimulus-check.html; What to do if your stimulus check is wrong: https://www.kiplinger.com/article/taxes/t054-c005-s001-what-to-do-if-your-stimulus-check-is-wrong.html#:~:text=So%2C%20once%20you%20receive%20the,sit%20tight%20until%20then%2C%20though.&text=The%20IRS%20will%20mail%20the,address%20it%20has%20on%20file.; Sign up for Kyle's newsletter: https://my.kiplinger.com/email/[email protected]&etype=&ec_column_id=&new_user=; The best bank for you 2020: https://www.kiplinger.com/personal-finance/banking/600928/the-best-bank-for-you-2020; Ryan's piece on Opportunity Zone funds: https://www.kiplinger.com/article/investing/t041-c000-s002-opportunity-zone-investing-is-it-for-you.html

Ryan and Sandy chat with Kevin Walker of CollegeFinance.com about how Covid-19 has changed the ways families are planning and saving for college. The hosts chat about tax refunds and delve back into the reader mailbag for a question on paying for a home in retirement.

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Tax refunds delayed: https://www.taxpolicycenter.org/taxvox/where-my-income-tax-refund; Where is my refund? https://www.irs.gov/refunds; What to know about your W-4: https://www.kiplinger.com/slideshow/taxes/t056-s001-new-w4-form-for-2020-irs-tax-withholding-changes/index.html; IRS tax withholding estimator: https://www.irs.gov/individuals/tax-withholding-estimator; 7 ways the pandemic will change college forever: https://www.kiplinger.com/slideshow/college/t014-s010-ways-the-pandemic-will-change-college-forever/index.html; CollegeFinance: https://collegefinance.com/; Low interest rates reduce the cost of mortgages: https://www.kiplinger.com/article/real-estate/t040-c000-s003-low-interest-rates-reduce-the-cost-of-mortgages.html

Ryan and Sandy welcome Kiplinger staff writer Emma Patch for a discussion on all things travel as the world continues to open back up. Ryan breaks down changes to the list of Kiplinger's favorite dividend stocks. The pair dish on get-rich-quick schemes and credit rewards.

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The Kiplinger Dividend 15: https://www.kiplinger.com/investing/stocks/601018/kiplinger-dividend-15-our-favorite-dividend-paying-stocks; Two dividend picks hit a rough patch: https://www.kiplinger.com/article/investing/t041-c009-s002-two-kiplinger-dividend-15-picks-hit-a-rough-patch.html; Travel planning in the time of coronavirus: https://www.kiplinger.com/article/business/t059-c000-s002-travel-planning-in-the-time-of-coronavirus.html; The best rewards cards for 2020: https://www.kiplinger.com/slideshow/credit/t016-s002-the-best-rewards-credit-cards-for-you-2020/index.html; Work-at-home scams lead to business coaching schemes: https://www.consumer.ftc.gov/blog/2018/05/work-home-scams-lead-business-coaching-schemes; The FTC guide to WFH scams: https://www.consumer.ftc.gov/topics/working-home

H&R Block tax honcho Kathy Pickering offers tax advice for last-minute filers. Ryan and Sandy break down the latest news on stimulus checks and Ryan answers reader mail about target-date mutual funds.

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IRS letters about unactivated stimulus cards: https://www.nclc.org/media-center/alert-irs-sending-letters-about-unactivated-stimulus-prepaid-cards.html; What if I threw out my stimulus payment? https://www.washingtonpost.com/business/2020/07/06/irs-stimulus-payment-debit-card-scam/?utm_campaign=wp_main&utm_medium=social&utm_source=twitter; Keep your stimulus payment notice in your tax records: https://www.irs.gov/newsroom/keep-economic-impact-payment-notice-with-other-tax-records

Tax tips for last-minute filers: https://www.kiplinger.com/article/taxes/t056-c005-s003-tax-tips-for-last-minute-filing.html; Is a target-date fund right for you? https://www.kiplinger.com/article/investing/t047-c032-s014-is-a-target-date-fund-right-for-you.html; Our latest take on Vanguard's target-date funds: https://www.kiplinger.com/article/investing/t041-c009-s002-vanguard-target-retirement-2030-keeps-its-eye-on-t.html; Invest in funds before buying stocks: https://www.kiplinger.com/article/investing/t052-c047-s002-why-you-need-to-invest-in-funds-before-stocks.html