Welcome to the Stay Wealthy Podcast. I'm your host Taylor Schulte and today I'm tackling three

listener questions with my good friend Roger Whitney. Number one, why you don't have to invest

in ESG companies in order to make a positive impact. Number two, how to replenish your emergency fund,

plus how much cash is too much. And then finally, number three, how to process withdrawals

from your retirement accounts while trying to stay below the 12% tax bracket. This Q&A session

originally aired on Rogers podcast, The Retirement Answer Man. If you

haven't already, be sure to check his show out and subscribe by going to rogerwittney.com or by

searching for the retirement answer man in your favorite podcast app. With that out of the way,

here is my listener Q&A with Roger Whitney.

Good friends of the show, and we have Taylor Schulte from Define Financial.

Taylor, how you doing, man?

Roger, I'm doing well.

It's 85 degrees out here in sunny San Diego.

As it always is.

So if you want to help me feel more at home, just make fun of me a little bit.

And then I'll feel like Nicole is here.

Okay.

We'll do our best.

And you are the host of the podcast, Stay Wealthy.

And you work with only people over 50 that are on that journey to retirement. Why did you

decide to do that? Well, you know, I spent a lot of time as a financial advisor trying to serve

everyone. And I quickly learned that I'm probably doing a disservice. The needs and goals of a 30 or 40

...