Sleep debt. It’s a real thing, and it affects two-thirds of women. When we shut off the lights and can’t shut off our brains, what should we do? This week, we sit down with Nancy Rothstein, The Sleep Ambassador, to get the answers. We discuss why our sleep is suffering, how to turn it around and why doing so is in our finances’ best interest as well. Speaking of which, Kelly and I answer your questions on personal loans for five-figure debt and where to keep emergency savings for the best returns. And, inspired by Congress’s almost-Rothification of 401(k)s, we look at research on traditional and Roth 401(k)s and whether the difference between the two impacts how — and how much — we save. As always, we love hearing from you. Leave us a review on Apple Podcasts telling us what you think and what you want more of.