What happens when your ex has $2 million in a 401(k)—and won’t make a move? In this episode of Moore Money with Ryan Moore, a listener’s call sparks a deep dive into legacy planning, relationship dynamics, and the realities of gray divorce. Ryan shares insights on pension pitfalls, Roth conversions, and how to protect your family’s future—whether you’re married, divorced, or somewhere in between. With humor and heart, this episode reminds us that financial planning is personal, and sometimes the best call is the one you make for someone else.

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