Lunar New Year isn't just a Chinese celebration — how a Vietnamese-American family marks the season.

My husband and I have had term life insurance since we married. Now that our children are on their own, I'm considering canceling my life insurance. Is this "penny wise and pound foolish"? We no longer depend on my income to pay bills. What other reasons are there for keeping term life insurance? Jane, Shorewood, WI

Fitter employees are more productive and less expensive. Which is why companies are working on innovative ways to help their people lose weight.

I am 63 years old and hope to retire in 2 years. My wife and I have a 403(b) and a 457. Also we each have a Roth IRA and we both are covered by modest pension plans. By a lot of self-education (including Marketplace Money), we have done well accumulating our nest egg, but we're not sure how to transition to using our nest egg. Do you think we need a financial adviser to make this transition? If so, what criteria do we use to choose one? Perhaps more importantly, how do we learn to trust this person with our future? Thank you. Walt, Grove, IL

Sad to say, the 19th and early 20th century notion of the democratization of savings became the late 20th century idea of the democratization of credit. It's time to change the focus of public policy.

Tess Vigeland is joined by Chris Farrell, Marketplace Money's economics editor, to answer listener questions.