Gabriel’s voice is back, and so is Our 2 Cents! Today, Steve and Gabriel dive into the idea of a “summer financial hangover,” the importance of financial literacy, and some listener questions you won’t want to miss. Listen in now!

1. Summer Financial Hangover:
   • Learn what a financial hangover is, the warning signs to look out for, and how to get back on track.
2. Financial Illiteracy:
   • Why are so many Americans financially illiterate, and what can you do to become more confident and informed when it comes to managing your money?
3. Listener Comment and Questions:
   • "Dave (Ramsey) recommends investing in good growth stock mutual funds with long track records. Dave only recommends no more than 10% of your funds in individual stocks." – Steven
   • "I just started a new job, and I’m told I can roll the 401(k) at my old company into the 401(k) at my new company. Should I do this so that I have everything in one place?" – Michelle
   • "Now that we’re empty nesters, we don’t need a five-bedroom house. But my wife wants to stay. Would it be financially irresponsible to stay in a house that’s so much bigger than what we need?" – Ed