Let’s dive into the week with some fresh listener questions we have lined up for you! And don’t just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!

1. How can I pay less in taxes while making a big Roth IRA conversion?
2. Should I dollar cost average over 6 to 12 months, or should I simply invest it all at once?
3. After paying off a ton of student loans, how can I get caught up on my retirement savings?
4. What are some underrated ways to scrimp and save for a home down payment?
5. Is there a passive investing bubble and should I hedge my investments?

Additional links:

• Roth conversions – For more info, check out our full post on how to make a Roth Conversion Ladder for Early Retirees.

• Investing 101 – If you’re new to investing, check out these posts…
  • Investing for beginners, a complete guide
  • How to buy index funds (and the ones we like!)
  • How to open up a Roth IRA, our fave account!

• Money gears – Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here.

• Newsletter – Don’t forget to sign up for the best personal finance newsletter in all the land! It’s completely free and something we create to help you along your journey to financial freedom. It drops every Tuesday morning and you can always unsubscribe if you don’t dig it!

• Credit Card Tool – Looking for the right credit card for you? Then check out our new credit card tool that’ll help you to easily filter through all the cards based on your preferred airline, whether or not they have an annual fee, or simply by the cashback offer! Just toggle the sliders and you’ll know which card to consider.

During this episode we enjoyed a Kanpai Krisp by Brewyard Beer Co – a big thanks to Better Joel, JO, 5am Joel for donating this one to the pod! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

Best friends out!