Hey everyone welcome back to Finance Friday another special edition of

money girl where I answer your burning money questions. We have two great retirement questions today.

The first comes from Kevin who says, my wife and I have loved your podcast for years

and are taking every possible step to build our

financial futures. We're in our early 30s and max out our Roth 401k's by

contributing 25% of our paychecks.

If we struggle to maintain savings for emergencies and a new car,

do you think we're investing too much?

And our second question is from Michael M. who says,

I've been listening for many years and you deliver good advice in a very understandable way.

I have a 401k with a former employer, a SEP IRA from a previous business, a traditional IRA, and an

HSA. What tax and penalty changes should I be aware of since I turned the magic age of 59 and a half a few weeks ago.

Thanks for your questions, Kevin and Michael.

I love that you both have prioritized investing for retirement, which is the most critical money goal everyone should have.

I'll answer Kevin's question by reviewing five signs you may be investing too much and will also cover

what Michael should know about rule changes for various tax advantage accounts

after age 59.5. I appreciate you joining me today.

I'm Laura Adams, a personal finance author, spokesperson, speaker, founder of the Money Stack

newsletter and host of the Money Girl Podcast with 43 million downloads.

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