Can You Afford to Retire?

Far too many people are not are not financially prepared to retire. However, it's never too late to get started.

Then our listeners chime in on:

• Larry Swedroe's own only small and value stocks strategy.
• The need for bonds in a portfolio.
• Using a "bond replacement strategy" (annuities) instead.
• Converting to a Roth IRA to avoid RMD.
• Determining the best cost basis strategy for tax purposes.

We end we a brief discussion of  a Texas Christian money radio advisor about to spend life in prison.