Today on Your Money, Your Wells Podcast number 360, you've saved money for a down payment on a house.

Should you invest it in the stock market until you're ready to buy that property?

Should a 30-something saver take as much investing risk as possible or buy a condo?

Plus, backdoor Roth conversions under the Build Back Better Act,

using a charitable remainder trust to avoid tax on an inherited IRA

under the Secure Act and some listener comments.

Visit Your Money, Your Wealth.com, and click Ask Joe and Big Al on air to send in your money

questions and comments as an email or a voice message.

And since voice messages get first priority, we'll kick things off today with one about the tax

efficiency of withdrawals from a robo-advisor brokerage account.

I'm producer Andy Last with the hosts of Your Money, Your Wealth, Joe Anderson, CFP, and Big Al-Clobein CPA.

Hi, Joe and Big Al.

This is Sharon from Waukeshell, Wisconsin.

I drive a Honda CRV. I have a kitten named

baby, and I've recently discovered salted caramel vodka as my current drink of choice. My question

for you today is regarding mobile advisors, specifically Betterment, I guess.

When I am making a withdrawal out of my brokerage account at Betterment, can I be

confident that my withdrawal is being made in the most tax-efficient way?

I understand there's other considerations in the broader picture of your overall portfolio and your other types of accounts. But if I was just looking at that brokerage account, are they taking into consideration the most efficient way to draw out those first funds that I may be taking. Appreciate your thoughts. Thanks.

All right. Well, Sharon from Waukesha. Sharon's a regular. We've heard from here a few times.

We have. I do like Waukesha. You've mentioned that before.

No, I'm just like saying it. I know you do. I think Sharon's asking a couple of different questions.

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