Joe Cimino is back for the first time in 2020 and he's come out with all guns blazing! Turns out, if the credit card is in your wallet, you are signing your own financial death warrant. Speaking of death, are funeral policies financial grim reapers? What is insurance, and how do we know if we are getting fair returns on our premiums long term? Joe also has his say on the price of wedlock... forget money, your mortality may be at stake.