Making a few small strategic changes to your portfolio can add huge gains in the future.

Plus, we are swamped with questions:

• Starting with a four question caller: IRA Crypto, Early SS, Roth conversion, Emergency funds
• Giving money to a child? What are the alternatives?
• What do we think of automatic 401k investments?
• Move a 401k to Fidelity funds to save on fees?
• What's the best way to take money out of retirement accounts?

Plus, we talk about the funding problems most people will face in retirement.