What kind of loans should you take out for graduate school? Find out when student loan expert Heather Jarvis joins host Carmen Wong Ulrich to answer callers' questions.

Millions of Americans have had credit card and debit card information stolen by hackers at big retailers like Target and Neiman Marcus. Marketplace Money host Carmen Wong Ulrich talks to consumer advocate Bob Sullivan about what we can do to keep our money safe.

Do the old rules about retirement savings still apply today?

We inherited my mother's home when she passed away two years ago. The home is located in a ski resort. We tried short-term rentals with the home, but it has not worked out like we thought. We live in another state and have quite a bit of debt: 420k mortgage, car loan, and 20k of credit card debt largely due to auto repairs and medical issues. We are current on all payments, but I am considering selling the inherited home, which could fetch 500-600k. I would use the money to pay off all of our debt. I am wondering if this is a rash or foolish idea. The allure of being debt free is so appealing right now. Your thoughts? Thanks!

Dawn in Albany, New York learns about about how to organize and manage her multiple retirement funds.

There's a recent trend of (former) employees quitting jobs and putting up videos and comments on social media criticizing their employer. How many weeks of pay would you give up to be able to say what you want to about your job and not worry about burning a bridge?

For the start of 2014, we're tackling all of your questions about credit cards.

I am a 27 year old attorney, single with no kids. I currently work for the Government, but next fall I will begin a job with a private law firm in Washington, D.C. I like being a lawyer and think that I will probably enjoy working for a private firm, but I am acutely aware that the private firm world can be quite stressful. I have my doubts about whether this high-income but high-stress field is something I will want to stay with for a long time. This in conjunction with the ever-present threat of being laid off for economic reasons (which still happens with some frequency in private firms) makes me want to shore up my financial situation, save a great deal, and avoid the golden handcuffs for at least a few years while I figure out how permanent the job will be. I have about $150,000 in debt — $15K is a car loan, and the rest is student loan debt. Interest rates on the student loans range from between 6-8.9%. I have no credit card debt. My current salary is about $80,000, but next year it will more than double, plus a $50,000 starting bonus based on my prior experience. The only luxury I want to fund in the foreseeable future is a multi-week vacation to Europe between jobs, which I have not planned in any detail yet. What should I focus on as I move into this higher-income job, keeping in mind that I may not find the money to be worth other sacrifices? My gut feeling is that I should pay off my student loans with haste, but what other strategies should I be looking into?

In 2014, Marketplace Money will be following a few listeners and help them succeed in their financial New Year's resolutions. Melissa and Joshua live in Portland, Ore…

Nina in Oakland, Calif., is gearing up for retirement … ideally abroad in Latin America or Asia. Carmen suggests some tips so she can get ready well in advance.