Pat interviews his sister Michelle Couture, who recently took a trip to Guatemala on behalf of the Open Heavens Guatemala project and provides an update on their progress. Pat will lead a group of some two dozen volunteers on a mission trip there in early December. He and Jesse spend the second part of the show answering listener questions.

More and more Americans, according to a new survey, fell they aren't as well off in planning for retirement than their parents were. Pat and Jesse discuss the differences between planning today as opposed to past generations, some of the factors involved, and how to stay ahead as much as possible. Later, Melody joins them to discuss Medicare as the open enrollment period gets into its final month for 2024.

Jesse and Melody again discuss changes to Medicare, not only for 2025 but also what the program may look like going forward. Open Enrollment lasts a few more weeks, and they go over what eligibile people need to do before December 7th to get ready for the new year.

Most people have at least some regrets about what they have done at times with their money and investments. Today Jesse and Melody go over what some of these regrets are and how inflation has put a damper on trying to make up for some of these decisions.

In the first portion of the podcast, Pat talks with local farmer Terry Miller about an upcoming workshop on organic food. Then Jesse and Melody come in to answer listener questions.

A new survey finds many Americans aren't sure about the status of Social Security and whether they can count on it being there for them in retirement. Pat and Jesse discuss this issue and why planning can result in the best way for folks to optimize their Social Security benefits. Melody joins them in the second half of the show for another look at Medicare Open Enrollment before the signing period begins next week.

According to a recent study, most Americans don't understand basic facts surrounding probate, which could complicate matters when putting together an estate plan. Pat and Jesse take a look at this study and present the basic facts about the process and how it could cost you a lot if things are not planned properly. Melody joins Pat in the second half of the show to talk about the upcoming Medicare Open Enrollment.

Millennials stand to become the wealthiest generation in history when they receive inherited money from their parents, the baby boomers, who are retiring now. Pat and Jesse look at how this group of people can benefit from this wealth, and ways it can be passed to them in the most efficient way possible, especially regarding taxes. In the second part of the podcast, Pat joins Melody Schwoerer to talk Medicare as open enrollment gets closer.