Ross is back in the saddle after getting married! His first guest is Steve from Seattle who has some questions for Ross about retirement planning such as making assumptions on return rates, cash returns, and safe withdrawal rates – topics Ross plans to expand on in a later episode. Ross also answers questions emailed in from listeners Kathryn and Greg who ask about whether to buy or lease and debit versus credit cards and how many to have. To learn more about Ross, ask your own question or connect go to https://www.rosskrause.com/