Jose Torres, senior economist at Interactive Brokers, expects consumers to keep spending and to help power the economy through at least the end of the year without a recession, but he notes that if the Federal Reserve ultimately decides that it's going to 2 percent inflation or bust, there will be a bust for the consumer and the economy, with the current party ending in a potentially protracted period of struggles. Jack Nelson, portfolio manager of the global emerging markets sustainability strategy at Stewart Investors, says that while many investors are avoiding China, it's important to not be so fearful as to miss out on the opportunity that a number of companies there represent, due to valuations that are more compelling in much hotter markets like India. Sarah Foster, analyst at Bankrate.com discusses the site's latest survey showling that while nearly nine of 10 Americans know what financial success looks like in their life, only one in four think they will achieve it. Plus, Chuck answers a listener's question about whether it's time to convert traditional long-term retirement savings into Roth IRA accounts.