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b"On this week's Money Matters, Scott and Pat discuss the pandemic's uneven economic effects and the reason why the cost of refinancing a mortgage will rise soon.\\nScott and Pat advise a Colorado investor who, just before the market crash back in March, put half of his portfolio into energy stocks. (He wants to know if he should pull out of the market now.) A 62-year old caller with a $90,000 annual income wants to know when she should file for Social Security. Finally, a retired logistics manager with $4.6 million saved wants to know how he can lower his taxable investment income. \\xa0\\xa0\\nClick here to register for our 7 Personal Decision Points\\xa0virtual retirement planning workshop.\\nAsk a question by clicking\\xa0here, or email Scott and Pat at\\xa0questions@moneymatters.com.\\nDownload and rate our podcast\\xa0here."