This week on TALK! with AUDREY: Credit or debit? Rent or buy a house? Buy or lease a car? Take or decline the rental car insurance? Renovate the kitchen or finish the basement? Buy stocks or mutual funds? Every day we are forced to make these financial decisions but the right answers all seem to require complicated, mind-numbing research. And who has time for homework when you’re in the checkout line at the grocery store and faced with the dreaded “Debit or Credit” question from the cashier? My guest is JACK OTTER, Executive Editor of CBS MoneyWatch.com we talk about his latest book, WORTH IT . . . NOT WORTH IT?