On this week\u2019s Money Matters, Scott and Pat spell out what you absolutely need insurance for.\xa0 Then, they walk a caller through the process of doing a backdoor Roth IRA conversion. \xa0You\u2019ll hear the honest advice Scott and Pat give a retiree who wants to take money from her IRA to pay down her car.\xa0 Finally, Scott and Pat play a little retirement fact or fiction.\nJoin Money Matters:\xa0 Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking\xa0here.\xa0 You can also be on the air by emailing Scott and Pat at\xa0questions@moneymatters.com.