Friday Q&A show! Today we discuss:

• 00:30 Contractor status or employee status?
• 31:00 What happens with our money when interest rates go negative?
• 43:21 Is it really a good idea to have lots of cash on hand?
• 1:03:30 How should I set up an emergency escape vehicle to get out of California wildfires?
• 1:17:31 I used a life insurance loan as a down payment for my house; what do I do now?