We’re focusing on family and finances on this week’s episode. One caller is concerned about her mother’s retirement and her own. Another caller’s mother helped him settle a huge student debt and set up his retirement — but he isn’t sure what else to do to improve his credit score. And lastly, a caller wants to know how to navigate the potential minefield of settling a debt with family members. And in light of the Japanese tsunami, Kathy Kristof talks about earthquake insurance.