Two personal finance nerds walk into a bar... If you think you know how this conversation goes, you're wrong. Jill Schlesinger — who does what I do on CBS and hosts the "Better Off" podcast — and I break it all down: markets, investing, health care and why it's all more important to get right if you're a woman. Then, Kelly pops in, and we tackle your questions about consolidating debt and what to do with a windfall. Plus, there are changes coming to your credit score. Please take a few moments to take our survey (http://bit.ly/2oI9SPk), and leave us a question while you're there.