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b'On this week\\u2019s Money Matters, Scott and Pat help you navigate the emotional roller coaster of today\\u2019s markets and avoid the potential mistakes that could wreck your retirement plans.\\xa0\\nScott and Pat advise a risk-averse caller, who reduced his stock and bond exposure, and wondering if his investments are allocated correctly. A 45-year-old caller, with $800,000 saved, cashed out his 401(k) in February and asks how he should get back in the market. Finally, a man who owes $260,000 on his mortgage asks if he should refinance his loan.\\nAsk a question by clicking\\xa0here, or email Scott and Pat at\\xa0questions@moneymatters.com.\\nDownload and rate our podcast\\xa0here.'