This show could save you a lot of money. Many of us make potentially disastrous mistakes with insurance. Either we don't have nearly enough coverage for see through an emergency, or we pay through the nose for duplicate options.

Insurance expert Laura Adams explains the basics of life, health, and auto policies, with easy-to-follow solutions and smart buying tips. The author of several personal finance books, Laura hosts the popular "Money Girl" podcast. She is a Senior Insurance Analyst for InsuranceQuotes.com.

In this episode, Jim and Richard re-visit their entertaining and provocative conversation with Lenore Skenazy, host of the cable TV show, "World's Worst Mom" and founder of Free-Range Kids. The movement was sparked by the huge response to Lenore's article about allowing her 9-year-old son to ride the subway alone in New York City. She tells us that if you always protect your children from every possible danger they never get a chance to grow up.

With recent worries about the global economy and stock market panic, investment expert Susan Schmidt, Senior Portfolio Manager at Westwood Holdings Group, has a simple message: keep calm. 55% of Americans have money in the market. Most are long-term savers. She says the basic rules of investing are surprisingly simple. Building wealth means savers should resist emotion and act as investors, not traders, ignoring the day-to-day changes in the market.