This week Jim and Cathlyn discuss the dilemma of those sitting on the sideline in cash. When is the right time to make a move? They illustrate the issue by discussing the case study of a retired couple, David and Michelle, who are unhappy with the meager returns on cash and CDs, but have not been ready to make a move into the market. Jim lays out a strategy to boost their income, but warns that time may be running short for income investors. This week’s guest is Peter Bell, president & CEO of the National Reverse Mortgage Association.