Joel talks to a caller about interest rates and whether she should wait to buy a new home in California or buy now and refinance when rates go down. More teens are working and getting paid more, and that's because they're willing to take a chance. Day trading can be tempting, but should you do it? Joel explains why it could be bad for your financial life. Frugality is important. But it falls short in so many ways too, and Joel tells you how you can still get a 401k match even if you don't contribute.See omnystudio.com/listener for privacy information.

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