Episode Details

It’s Friday Q&A—with a small experiment. Don slips one AI-generated voice among the listener questions and challenges you to identify the robot, with his complete two-book library hanging in the balance.

The financial questions are thoroughly human: where to keep a future car fund, whether an $11,000 Roth-conversion program earns its fee, when children can fund Roth IRAs, and what happens when bond holdings move from a traditional IRA into a Roth.

Don also tackles the enviable problem of an oversized HSA, its inheritance rules and post-65 flexibility, plus the timing tradeoff for Social Security survivor benefits.

0:46 — Friday Q&A and the find-the-robot challenge
4:03 — Where should a $70,000 car fund live?
7:21 — Is an $11,000 Roth-conversion plan worth it?
9:39 — Roth IRAs for children—and newborns
11:13 — Bonds that move into a Roth conversion
13:54 — The $500,000 HSA problem
16:43 — When a surviving spouse should claim Social Security

Questions? Comments? Click!