Joel gets into retirement and how much one needs to do so, comfortably and the anxiety it creates when dealing with the amount they need to do so. Joel answer caller’s questions surrounding a transfer of savings account onto an online banking account, AT&T’s hacking  & the aftermath of the breach. He touches on how much money should you keep in checking vs savings accounts. He talks about how much should you spend on vacation. Also, how  complaining about student loan debt relief isn’t hypocritical.