Hi Scott, What do you think of the new app ‘Acorns’? Apparently it’s a new smart way to invest without too much thought.

Hi Scott, I have a pre-tax income of $64,000 a year, and my wife does not work. In December 2016 I will be able to withdraw $195,000 tax free from my AustralianSuper account.

Hi Scott, I’m a 37-year-old married women with two kids. My husband works at one of the major banks and looks after all things financial.

Hi Scott,I’m 42 years old old and I feel I have one shot left. I'm just three months away from my bankruptcy being removed from my credit file -- a failed relationship, and a failed business, behind me.

Hi Barefoot, I’m facing a dilemma: whether to retire now or to keep grinding. I am 66 and my husband is 68 -- he retired some years ago -- and we have about $1 million in superannuation.

Hi Scott, Love reading your column each week, and this has taken me way too long to write to you. My husband and I earn $147,000 between us and have got into serious debt over the years through bad business decisions and other reasons.

Dear Mr Barefoot, Your stuff is just plain common sense. How stupid do you think we are?

Hi Scott, I am feeling a bit overwhelmed. My partner and I are both 30 and have a combined income of $140k.

Hey Scott, My wife and I are in a bit of a financial mess that we can’t seem to get on top of. With a $300k mortgage, a $15k car loan and $10k in credit card debt, I can’t see how we’ll ever get on top.

Hi Scott, I am 63 and not presently working. About two years ago I inherited some money.

Hi Scott, My partner and I are building a house, my first and his second. He made a $100,000 profit from his first house.