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Kiplinger executive editor Anne Smith joins the show to chat about her mid-year outlook for the economy and the stock market. Ryan and Sandy break down what marks a recession, and answer a reader question about using cash savings to pay down a mortgage.

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A long recovery starts: https://www.kiplinger.com/article/business/T019-C000-S010-unemployment-rate-forecast.html; Recessions \\u2013 10 things you must know: https://www.kiplinger.com/slideshow/investing/T038-S001-recessions-10-facts-you-must-know/index.html; Kiplinger\\u2019s special report on markets: https://www.kiplinger.com/fronts/special-report/markets/index.html; Kiplinger\\u2019s coverage of mortgages and refinancing: https://www.kiplinger.com/fronts/special-report/mortgages-refinancing/index.html