401kaccountsadultadviceaggregationagiannuitiesaskassetavoidingcarecashcathycommonconsiderationsconversionscoupledivideearlyemergencyericestateevenexpensesfeefiledfinancesfinancialfirefundgoodhelphighincomeinsuranceinterviewirakidslargelifelightninglistenerlooklookinglouisianamoneynavigatingneednetparentspitfallsplannerplanningproquestionsquotesratareactsrealrefundrequestretireretirementreturnrightrothroundscenariostrategiestaxtaxestermsunderstandingworthyearyears