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#473: Sarah has cash to pay a $8,000 medical bill but she\u2019s reluctant to drain her savings. Should she sign up for the hospital\u2019s interest-free payment plan?\nJennie is an independent consultant but gets paid as a W-2 employee. Without access to a SEP IRA or a 401k plan, is there another option to save for retirement?\nAn anonymous caller is wondering how to run a cost-benefit analysis on pursuing a graduate degree.\nBrian is getting inundated with spam calls as a real estate investor. Is there a way to stop the madness?\nFormer financial planner Joe Saul-Sehy and I tackle these four questions in today\u2019s episode.\nEnjoy!\nP.S. Got a question? Leave it at https://affordanything.com/voicemail\nFor more information, visit the show notes at https://affordanything.com/episodes473\nLearn more about your ad choices. Visit podcastchoices.com/adchoices