On today's show we're talking to Chris Peach and Andrea Robinson about big life changes. Think it's too late for you to change your direction? Or maybe you're too apprehensive about jumping into the unknown? Chris and Andrea will break it down on just how Andrea made the jump herself. From making use of your time to start a side-hustle to cutting expenses and making a good budget, there are bite-sized pieces that make the huge life decisions a bit easier to make. Plus, in today's headlines, would real-time payroll deposits improve the quality of live for workers living paycheck to paycheck? Would not having to wait a couple of weeks for cash really make a difference for employees? Plus, in honor of Veterans Day, we're talking Dr. Mike Haney from the Syracuse Institute for Veterans and Military Families. Veterans and their families can find all the resources Joe and Dr. Haney talk about on the show by clicking HERE. Later we're throwing out the Haven Life Line to Kathrine, who wants to know if her and her husband should be getting term life insurance outside of their employer. Then, in our letters segment, Joe and OG will answer a question from VJ, who has some worries about the market. He found an article suggesting that the market will be doing a lot worse than people think... should we be getting concerned? And don't worry... we'll still take some time for Doug's trivia. Thanks to LinkedIn for supporting Stacking Benjamins. Go to LinkedIn.com/sb and get $50 off toward your first job post. Learn more about your ad choices. Visit podcastchoices.com/adchoices