A number of high-profile companies have reported data breaches recently. That means we have to be extra vigilant to secure our information. To start this episode, Sean Pyles and Liz Weston talk about the breaches and how you can protect yourself. Then they answer a listener’s question about how to catch up on retirement contributions — including whether you can open an LLC to contribute with no limits. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Also, we are running a book sweepstakes ahead of our next Book Club episode! In February, we're talking with Axton Betz-Hamilton, author of "The Less People Know About Us: A Mystery of Betrayal, Family Secrets and Stolen Identity,” a book about what happens when the person who steals your identity is your own family member. To enter for a chance to win our book giveaway, send an email to [email protected] with the subject: "Book Sweepstakes" during the sweepstakes period. Entries must be received by 11:59 p.m. PST on Feb. 16. Include the following information: your first and last name, email address, ZIP code and phone number. For more information, please visit our official sweepstakes rules page. Timestamps: This Week in Your Money segment: 0:00 - 10:08 Money Question segment: 10:09 - 28:14 Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

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“What did the council decide on item 42?” — answered with the speaker and the moment.