Ashley Patrick (former police detective and creator of BudgetsMadeEasy.com) on how debit card fraud happens, what to do when your ATM card is compromised, and ways to avoid it happening in the future. Plus, Joe & Big Al answer your money questions: how do you determine a good pre-tax to Roth savings ratio? Are trading apps and online trading services a good idea? Can you "retire," take money from your retirement plan, then return to work for the same company? And the age-old pension question: should you take the lump sum or the monthly annuity payment? Transcript & show notes: http://bit.ly/YMYW-216