Todd Pietzsch from BECU joins us! Todd gives his advice on what kind of Kraken jersey to buy. A texter is applying for a home loan wants to know if he should pull out his retirement money to help with the credit score. A texter just received $40,000 and wants to know the best way to invest it over the next two years. A texter wants to know if installment loans effect your credit score differently than credit debt.