On this week\u2019s Money Matters, Scott and Pat discuss the economic implications of negative oil prices, the second stimulus package, and potential state bankruptcies.\nScott and Pat advise a retired man looking to replace the $25,000 he took out as a Required Minimum Distribution at the beginning of the year. A mother of three asks how she can save for her three children. Finally, a California caller asks if she should invest in oil.\nAsk a question by clicking\xa0here, or email Scott and Pat at\xa0questions@moneymatters.com.\nDownload and rate our podcast\xa0here.