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#448: An anonymous caller is dealing with guilt over spending a large cash gift. What\u2019s the best use if she doesn\u2019t have an obvious financial goal to throw at it?\nEric reached financial independence a few years ago but he hesitates to quit his job. What the heck is a Roth conversion ladder and how can he overcome his psychological barriers?\nAnother anonymous caller and his wife earn $300,000. He feels like they should be financially independent but they\u2019re far from it. What\u2019s going on?\nFormer financial planner Joe Saul-Sehy and I tackle these three questions in today\u2019s episode.\nEnjoy!\n\nP.S. Got a question? Leave it here\nFor more information, visit the show notes at https://affordanything.com/episode448\nLearn more about your ad choices. Visit podcastchoices.com/adchoices