A special Halloween edition of the podcast as we get ready for the scariest holiday of the year. Ryan and Bob will go trick-or-treating in the financial world and then apply the seven deadly sins to investing and financial planning. Enter at your own risk.Show Notes: http://bebullish.com Today's Rundown: 0:32 – Today is our special Halloween edition.  1:19 – Let’s discuss the tricks and treats of financial planning. First item is tax losses. Is this a trick or treat?2:25 – Our president is a great example of dealing with tax losses.3:03 – Think of your tax losses like putting money in the bank.3:25 – Annuities: Trick or Treat?5:20 – Fee-only financial advisor: Trick or Treat?6:54 – Why you should have all of your accounts in one place.  8:19 – Discussion moves to a discussion of the seven deadly sins of finance8:27 – First sin: Pride9:46 – It’s okay to be wrong but it’s not okay to stay wrong.10:12 – Second sin: Envy10:46 – Your decisions need to be completely different than other people.11:33 – Next sin: Wrath – the market doesn’t care what you think.12:47 – Next sin: Greed13:45 – Next sin: Sloth – not doing anything with your money.15:42 – Mailbag time16:39 – Mailbag Question from Ronnie: I’ve been told I don’t have enough of an emergency fund in the bank. What’s more important, building that up or maxing out my 401k?19:04 – Mailbag Question from Gwen: I have a whole-life insurance policy that’s very expensive. I’m thinking about canceling it and getting a cheaper policy. Is there any reason to not cancel the whole-life policy?