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#280: Amy and her husband have $900,000 saved for retirement. They\u2019re 40 years old and plan to retire at 65. Due to a job change + pay cut, they might only have $10,000 per year to save for the next 25 years. Will this be enough, given their yearly expenses of $144,000?\nJanie wants to get a solar power system for her house, but isn\u2019t sure how to pay for it. Should she borrow funds from her seven-month emergency fund, or use funds from a taxable brokerage account that were earmarked for retirement?\nCJ and his wife netted $200,000 from the sale of their home. They aren\u2019t sure when they\u2019ll purchase their next home \u2013 their timeline could be as short as three years or as long as six years. Where should they keep the $200,000 to use towards a downpayment on their next home?\nBrandon wants to retire in the next five to ten years. He contributes 20 percent to his Roth 401k. Since he can\u2019t withdraw those contributions early, does it make more sense to contribute up to the match of his 401k and invest the rest in an IRA with the goal of doing a Roth conversion?\nAnonymous \u201cam I missing out?\u201d wants to know the deal with tax-loss harvesting. When is it worthwhile?\nMy friend and former financial planner Joe Saul-Sehy and I answer these questions on today\u2019s episode. Enjoy!\nFor more information, visit the show notes at https://affordanything.com/episode280\nLearn more about your ad choices. Visit podcastchoices.com/adchoices