We're about to have another Q&A episode of this week. I talk about Social Security

Spousal Benefits, Cognitive biases in Investing, changing state tax domicile, naming minors as

account beneficiaries, and much more in this, the 188th 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. So today is another Q&A or question and answer edition. Thank you to everyone who sent me questions at Andy at Andypanco.com. I do my best to try to get to them, you know, by the next month's Q&A episode, which they, these

Q&A episodes come out the, what is it, fourth Wednesday, I'm sorry, fourth Thursday of every

month is a Q&A episode. So do my best to get to them. And thank you again for those who

have sent some questions in. We have a good random sampling of questions across the spectrum of

retirement planning.

So I appreciate that and we'll get to that in a minute. But hey, have you heard about the new

restaurant called Karma? There's no menu. You get what you deserve. That one's good. Someone sent me

a list of like a dozen or so dad jokes. And these are some of the best ones. They're not just like

goofy plays on word. Well, I guess that one is. But I feel like these are like really well-crafted, well put together dad jokes. I will be sharing those over the next however many episodes. I'll give you another one just because I'm looking at the list here. I have a few jokes about unemployed people, but none of them work. Right? You get it. Okay. My big goofy smile moment is kind of, kind of nerdy, kind of low-key, but I,

my business, my advisory business, I am moving off in the process of moving offices.

Officially, the new address is announced to the world and Securities and Exchange Commission

and clients and everything, but I still have the old office for another, uh, the new address is announced to the world and Securities and Exchange Commission and

clients and everything but i still have the old office for another uh two and a half months as

of the recording this episode so i've been kind of taking my time moving the stuff over but really

sort of hurried it up lately just try to get it done and beyond uh behind me but i painted the new office

it's a it's a two-room place it's nothing fancy fancy, but it's a little bigger, a little nicer, better parking than the old location, which frankly, I don't even really need an office technically because the business is 100% virtual. I can do everything I need to do out of my office in the basement, which is where I actually do the majority of the work, but I do have a little office just kind of for sanity sake to get out of the house, to have somewhere to go when I want to or need to.

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