In this comprehensive episode of "Winning at Life® with Gregory Ricks," host Gregory Ricks tackles a wide range of critical financial topics, from the latest developments in government legislation and economic trends to the importance of having open conversations with family members about their financial well-being.Gregory is joined by Dwayne Stein, a contributor to the show, as they discuss the impact of declining birth rates on the real estate market and the mortgage industry. These two also delve into the volatility in interest rates and the mortgage market, providing insights on the future outlook and the need for adaptability in financial planning.A significant portion of the episode is dedicated to the crucial conversations families should be having, but often avoid, around estate planning, retirement preparedness, and long-term care for elderly loved ones. Gregory offers practical guidance on initiating these discussions in a caring and transparent manner, as well as the steps families can take to protect their loved ones from financial risks associated with cognitive decline.Additionally, Gregory shares year-end financial planning tips, including maximizing retirement account contributions, managing required minimum distributions, and considering tax-efficient strategies like charitable giving.Whether you're seeking to navigate the ever-changing economic landscape, ensure the financial well-being of your family, or protect your elderly loved ones, this comprehensive episode of "Winning at Life® with Gregory Ricks" is a must-listen for anyone looking to take control of their financial future.For LIVE financial news talk radio, tune into "Winning at Life® with Gregory Ricks" LIVE on Saturday Mornings on:WRNO-News Talk 99.5 FM New Orleans - 10 am - 1 pmWBUV-News Talk 104.9 FM  Biloxi - 10 am - 1 pmORFor financial news talk ON DEMAND, tune into the Ask Gregory Podcast for more financial topics that may interest you! Visit: https://gregoryricks.com/podcast/