Hey, this is Joe Sister Nicky. I think I might be the only girl in the world who has a brother who spends his entire day in the basement,

pretending he has an internet radio show.

Geez. Joe's Mom's Fresh Dug, and today everything

Spiffy around here to welcome New York Times best-selling author of the hit book,

Wealth Can't Wait, David Osborne, and Paul Morris.

Plus, in headlines, big brokerage firms

are making it harder for their advisors to leave.

What does that mean for your money?

We'll explain.

Plus, if you're up for a holiday bonus that's better than the Jelly of the Month Club,

yeah like that's possible,

how do you minimize the tax hit?

We'll tackle that too.

And we'll throw out the Haven Lifeline,

answer a lucky listener letter,

and leave you bragging about nailing my incredible trivia challenge.

And now, two guys who are always the last two pick

for the neighborhood pickup football games,

Joe and O, J-J-J-J-J-j-j-j-g.

I'd be the first one picked if you didn't always show up at the field at the same time as me.

I was going to say it's because you always want to be all-time quarterback.

But I throw better.

...