On this week\u2019s Money Matters, Scott and Pat discuss their concerns about higher home prices and why young savers should utilize Roth 401(k)s.\nScott and Pat advise a father about the best way to save for his children\u2019s college education. A caller expecting $1 million from her mother\u2019s estate asks how she should handle the windfall. Finally, a Colorado man asks if he should use the cash in his Roth IRA to pay off his $172,000 mortgage balance.\nAsk a question by clicking\xa0here, or email Scott and Pat at\xa0questions@moneymatters.com.\nDownload and rate our podcast\xa0here.