We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it!

1. I have a recurring transfer to my Roth IRA but is that money actually invested?
2. How do I keep a bill in collections from hitting my credit report?
3. Should my life insurance death benefit be based on my outstanding debts or on a multiple of my annual income?
4. If the societal impact of credit card fees are so negative, shouldn’t we avoid using them altogether?

Additional links:

• Fidelity automatic investments – Don’t make the rookie mistake of failing to actually invest the money that you’ve transferred over to your retirement account. Here’s the explainer that Fidelity has up on their site.

• Credit report – Though we’re not recommending making this a weekly practice, you’re still entitled to a free credit report every week from each of the three credit bureaus at AnnualCreditReport.com
  • Errors – And if you’re attempting to correct an error on your credit report and the bureaus are dropping the ball, file a complaint over at ConsumerFinance.gov/complaint
  • Put it on ice – Make it harder to lose money to scammers by freezing your credit.

• Life insurance – Here’s that PolicyGenius life insurance calculator to figure out how much of a death benefit you need.
  • Local agent – Trusted Choice is a great resource to help you find (relatively) local independent agents who can also shop for the best rates. Added bonus: if they focus on a specific state, they’ll also know all the nuances since insurance requirements vary by state which can help you save and get the best coverage for you!

• Credit Card Tool – Looking for the right credit card for you? Then check out our new credit card tool that’ll help you to easily filter through all the cards based on your preferred airline, whether or not they have an annual fee, or simply by the cashback offer! Just toggle the sliders and you’ll know which card to consider.

• Newsletter – Don’t forget to sign up for the best personal finance newsletter in all the land! It’s completely free and something we create to help you along your journey to financial freedom. It drops every Tuesday morning and you can always unsubscribe if you don’t dig it!

During this episode we enjoyed a Walk on Water White by Bold Monk! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

Best friends out!