It is time for another Q&A episode where I'll talk about tracking Roth IRA contributions,

what to do with unneeded excess RMD money, using total bond market funds in your distribution portfolio,

and more in this the 122nd 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.

Well, hello again, all of my retirement planning education

listening friends. Glad you're here. We're going to have a good one today. Today's another

question and answer episode. I did have a handful of questions emailed to me, which I will address.

And then also I pulled some from the Facebook group, Retirement Planning Education. So I thought there was some stuff there that were good, pretty general, that I think a lot of people will have questions on if not now at some point eventually. Right. If you do want to send me questions for future Q&A episodes, you can email them to Andyy at andypanco.com you can find that email address in the notes to the show i just wanted to tell

you before we get rolling that yesterday i was washing the car with my daughter she said dad can't you

just use a sponge let that soak in okay just like my uh the water soaked into my daughter as I was using her to wipe the dirt off the side of my car.

My gratitude.

So for those of you listen to the last couple of times, I'm trying to do this thing where I,

to share a little something that put a goofy smile on my face for made me happy.

I'm trying to be more intentional about acknowledging and appreciating

just little things in life that make me smile that if you look for things, there's lots of

reasons to be happy and find smiles in the world. So today I was walking. I think I told you

before. I used to run a lot, but my knee isn't happy with that as I'm

getting older. It's increasingly less happy. So I think I came to the harsh, not harsh, but hard

realization that my running days might be over. I can still do like a mile of a light trot,

but I run much longer than like 15 minutes. And my my like nope not doing it so i started walking a lot

and so today it's uh early october that i'm recording this it was really nice out so i did this like

...