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b"On this week's Money Matters, Scott and Pat discuss how good financial plans adapt to the ups and downs of life, and take calls about money and retirement.\\nScott and Pat advise a 24-year-old investor, with $30,000 saved in cryptocurrency and living with his parents, about investing for the long-term future. A mother asks how she can smooth out income from oil royalty contracts and efficiently pass savings to her children. A caller turned her $1.5 million house into a rental and asks if she should sell it before capital gains taxes rise. A man with $2.1 million in savings and a $7,600 monthly pension asks if he\\u2019s ready to retire now. Finally, a caller asks if he should place his investments in an LLC to save on taxes.\\nAsk a question by clicking\\xa0here, or email Scott and Pat at\\xa0questions@moneymatters.com.\\nDownload and rate our podcast\\xa0here."