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I recently sat down with a financial planner to discuss several problems I had. One involves taxes. I filed my 2020 income tax form on March 1, 2021, and I still have not received my refund. I have even enlisted the help from my congressman's constituent services representatives, but they have no more luck than I have had. It is pretty frustrating.

The planner told me this. "Because of your situations, you need to spend some money, Rich. I know you like to fish and hunt. You should probably look at buying a new truck."

"My 12-year-old Ford Ranger is just fine," I replied. "My mechanic has k...


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