Will calls in with more questions for Ross; since they last spoke (his 2-part episode aired in June 2021), Will has graduated from college and is gainfully employed. His questions include common concerns for young people trying to save for the future while the present is up in the air. They touch on how aggressive you should be when contributing to a ROTH IRA keeping in mind short term needs, intermediate needs and long term goals, navigating employee stock purchase plans, the pros and cons of “house hacking,” whether cryptocurrency is here to stay, and finally, the volatility of the market as of late November 2021.