What if you haven’t started investing yet? Don’t panic, just get going! This episode is a wake-up call for those who think they may have missed the boat. Learn how people have turned their financial lives around in mid-stream. So you didn’t start investing in your 20’s, 30’s or even later? We focus on how to get your investments working for you now! Meet Jay and Annie, who want to retire in 10 years. They met with financial advisor Gregory S. Smith who told them what their “critical mass number” was for their ten-year retirement goal. Learn what your magic number is so you’re putting away enough money to reach your goals.

In Investing 101, Rob Black talks about investment returns and how people in their 40s and 50s catching up on their retirement funds should expose their money to investing wisely. If you have not been saving for college, it is not too late. We show you the variety of grants, loans, scholarships and other college-funding options you can take advantage of.

Scam Alert: Watch out for phony online escrow companies people use when buying or selling at auction sites. When the transaction doesn’t go through, sellers lose their products and buyers their money. Hundreds of thousands of dollars have been lost through these phony escrow websites.