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#312: After paying basic living expenses and maxing out their 401k\u2019s and Roth IRAs, Caroline and her partner have $4,000 - $5,000 left each month. Where should they put this money if their goal is to simply have their money work harder for them?\nSanjay is torn between selling his townhome or renting it out. The rental numbers don\u2019t work on his 15-year mortgage -- should he refinance to a 30-year mortgage instead?\nKyle wants to construct a portfolio with the highest Sharpe ratios and wants to know: would the risk parity model work? What are the downsides?\nG is curious: does the stimulus check received for their children count as earned income for the kids? If so, can they put it toward the Roth IRAs they opened for their children?\nAnonymous has two unrelated questions: what are our thoughts on the housing market in relation to the moratoriums on mortgage payments and emergency bans on evictions? What will happen when they go away? Additionally, what tools, questions, or resources do we recommend to have a productive financial conversation with your partner?\nFinally, another anonymous caller wants to know: do they need to submit receipts for the HSA contributions they make?\nMy friend and former financial planner, Joe Saul-Sehy, joins me as usual to tackle these questions. Enjoy!\nFor more information, visit the show notes at https://affordanything.com/episode312\nLearn more about your ad choices. Visit podcastchoices.com/adchoices