We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

1 - I have a recurring transfer to my Roth IRA but is that money actually invested?

2 - How do I keep a bill in collections from hitting my credit report?

3 - Should my life insurance death benefit be based on my outstanding debts or on a multiple of my annual income?

4 - If the societal impact of credit card fees are so negative, shouldn’t we avoid using them altogether?

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Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

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