Special treat. We got another Q&A edition where I'm going to talk about Roth conversion optimization, buying eye bonds through tax returns, tax on crypto, portfolio distributions, and when to start annuity payments in this, the 36th episode of the Retirement Planning Education Podcast.

Welcome to the Retirement Planning Education podcast, where you can learn all about IRAs and Roth IRAs, employer retirement plans, taxes, Social Security, Medicare, portfolio withdrawal strategies, annuities, estate planning, and much more.

And now here's your host, Andy Panko.

All righty, welcome back, everyone. Thank you, as always, for listening. We got another exciting one. I like these. This is another Q&A edition where I got some questions from you all. Thank you very much for those who submit questions. I do have one that was submitted in audio format, so I'll be sure to play that, and the rest were emailed to me.

Again, if you have questions you would like answered on this podcast, you can email them to me at Andy Panko.

That's all one word, A-N-D-Y, P as in Peter, A-N-K-O at gmail.com.

Brownie points, if you can record it as an audio file and upload that audio file so I can

play the recording of you talking, you asking it right in this in this podcast.

If not, just simply written out as fine.

And do let me know if you prefer your name to be anonymous, let me know or, you know,

write your name if you want me to,

to say your name. I won't use your last name, but first name at least, I'll give you a shout

out, if you like. So, all right, with that further ado, let's get into it. We got some good ones

today. A few short and sweet ones, one pretty big one that I think a lot of you, or similar to a scenario, a lot of you have come across or will at some point.

So I think I'm pretty excited.

I think a lot of you will get a lot out of this.

And spoiler alert, there's not a clean answer.

There's not a right answer.

There's not a quantifiable mathematically right answer.

There's a lot of moving parts, which really complicates things, as you'll see.

So first, a question from none other than David Fultz, and for those of you that listen to

the last Q&A episode, Dave Fultz, is one of the moderators, my Facebook group, Taxes and

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