In this episode, Mike answers a variety of listener questions:

* What about helping the homeless veterans or other people out begging on the roadside?

* My mutual fund has some Puerto Rican funds in it. Should I be concerned? Should I trade out of that fund?

* Should I look at transferring some of my employee stock ownership plan (ESOP) into an IRA?

* How does using a Qualified Charitable Distribution (QCD) affect my Adjusted Gross Income (AGI)?

* What are some of the considerations for the Required Minimum Distribution (RMD)?

* What about using a Donor Advised Fund?

* I am just generally concerned about the current state of the stock market, should I sell everything and move to cash only?