Don’s back from NYC with pride (and maybe jet lag), tackling a full slate of thoughtful listener questions. From Roth conversions and the TSP G Fund to cash balance plan gimmicks, RMD timing, overpriced 401(k) plans, and yes, the eternal question: Are annuities ever worth it? Don delivers straight talk, a little outrage, and no-nonsense advice—with some well-placed jabs at the industry’s smoke and mirrors.

0:04 Don returns from NYU graduation trip and thanks listeners for sending questions
0:56 Should a 54/61-year-old couple convert traditional IRA to Roth? “It depends”
3:05 Federal employee asks about the TSP G Fund – why it’s loved, and when not to use it
5:47 High earners ask about cash balance plans – Don says beware the fees and opacity
11:05 Planning for RMDs at 73 – monthly, quarterly, or lump sum? Don prefers year-end
13:38 60-year-old stuck in a principal 401(k) with 2.3% fees – Don goes full outrage
18:28 “Are annuities ever appropriate?” Yes—but rarely, and only immediate ones

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