It is time for another Q&A episode.

This week I'll talk about how much you can actually spend in retirement, Roth IRA five-year

rules, required minimum distributions, opening accounts for grandchildren, and much more in this

the 171st 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.

Hello, everyone. Welcome back. Thank you, as always, for listening. Today is another question and answer episode. We have a lot of good cues. Hopefully, I have a lot of good A's in response to those cues. So thank you in advance to everyone who sent in these questions. These were all ones that were emailed to me. I think there's more than we'll probably be able to get through, but I'll see how many I can do. If you would like questions

answer on future episodes, you can send them to Andy at Andypanco.com. You can find that email

and the link to the show notes as well. Before we get into it, I wanted to mention my good friends

Cody Garrett and Sean Mulaney recently wrote a book and it is coming

out. I think by the time this episode airs, the book may have just come out a day or two days

prior. I have no compensation or incentive for bringing this book up, but I have an advanced

copy of it. They're kind of to send it to me.

I've had them both on the show before, or if not on the show in previous videos I used to do.

It's in the Facebook group, Retirement Planning Education. They're both sharp folks. And if I were to

write a book on taxes in retirement, it would basically be this book. I'm just too lazy to put in

the time to write a book, but they've done it justice. And I do, I didn't read it all yet. I do have it.

Like I said, I looked through it. I look to the table of contents. And I know both of them and their

styles and how they communicate. And I could confidently say this has got to be, to my knowledge,

the most comprehensive yet digestible book about tax planning for retirement that is currently out there.

It's called tax planning to and through early retirement.

I don't want to name early retirement concern you or scare you. It doesn't mean

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