Wade Pfau on the 4% rule for retirement withdrawals. How a risk-filled burrito can earn up to 11%. Joe & Big Al take on Dave Ramsey’s advice to pay debt before saving for retirement and they debate real estate vs. bonds. IRA planning for the rest of 2018 to save on taxes - tell the grandparents to use RMDs for QCDs. Work remotely? Consider a move to Vermont. Lifestyles of the middle class in a new segment, "Where Does Big Al’s Wife Anne’s Family Live?" Transcript & show notes: http://bit.ly/YMYW-172