Most Americans, when asked, say they would love to have long term care insurance--they just hate paying for it!! Mostly, people worry about paying for something they might not ever use--they'd like a money back guarantee. Well good news! Today, learn about a new form of hybrid policy that can pay up to a six to one benefit if you need the care, but if you don't need it, you get every penny back, no questions asked! There's really no way to lose and it comes with an inflation benefit! Then Steve reviews the John Bogle rule for allocating money in retirement.