Welcome to the Jill on Money Coronovirus Market Update. It is Friday, June 19th and it's Friday,

so I want to jump right into it. I want to get to your questions.

Remember, if you've got a financial question, email us.

Ask Jill at Jill on Money.com. Ask Jill at Jill on Money.

Okay, Brian writes,

first off, you have a nice concise info-packed

podcast which is helpful to my college daughters,

three who are new to learning about personal finance.

Oh, thank you.

Okay, one thing I heard on your podcast and on just about everyone else's

is doing a Roth conversion to pay the tax sooner than later to

recoup the tax costs overtime via growth for those tax-free withdrawals later.

All sounds good, but when I retired this year at

55 I discovered something about doing this conversion that would put me at risk.

Where I live, 401k's are not considered in financial judgments or to creditors.

And for that reason I thought it best to leave my seven figures as is due to non- 401ks that are fair game to creditors

or available in a settlement. Am I wrong in my assessment? Just want your opinion, by the way I live in Georgia. Thank you and have a great weekend, Brian.

Okay, Brian, let's call this the OJ Simpson issue. Okay, what do I mean by that? Remember when O.J. Simpson had a civil judgment

against him? He sued for tons of money. But guess what? What is protected? His

NFL pension and his NFL pension, and his NFL 401k, because as you say, those assets are protected

against litigation.

Now that said, Brian, I don't think you're going to be murdering anybody and unless you're in some sort of strange situation where you are breaking the law and doing something really weird and nefarious.

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