1. You currently are not saving for retirement; you can either open up an IRA or you can start investing in your companies 401k. Your company matches $1 for every dollar you put in up to 3% of your total pay. Which do you choose and why?

2. In ch 5 from the Wealthy Barber, Roy explains insurance in great detail. Please explain how term and cash value policies work. Finally, what is the benefit to a renewable and convertible.

3. Roy talks about some of the advantages of home ownership. When would renting be a better option for an individual?