There are a thousand opinions out there on how to raise kids, but the one thing everyone can agree on is that raising kids is expensive. Luckily, there’s a way that doctors like you can save on taxes and use pretax dollars to pay for childcare. Nate Reineke breaks down how a dependent care FSA can be used to pay for daycare or nannies and how it helps physicians get an easy tax break. We also answered your colleagues’ questions. A Pediatrician in California says, I inherited an IRA from my mom. I plan to work for the next 10 years, and the IRA is subject to the 10-year rule. I am switching jobs to a higher-paying job in 2026. Should I withdraw now or wait? A business owning spouse of a Dermatologist in Virginia opened a group 401 (k) plan with a non-spouse employee who never became eligible for the plan. They want to know if they can close the group plan and roll the funds into a Solo 401 (k). A cardiologist in Oregon says that his wife has an inactive 401 (k) that is changing custodians and is in a blackout period. He wants to know what that means. An Addiction Medication Specialist in Oregon says, according to my plan, I am on track for retirement, and I may decrease my working hours soon. Should I open a cash balance account? Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing [email protected]. See marketing disclosures at physicianfamily.com/disclosures