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How do you protect your nest egg when you\\u2019re really risk-averse and want safe, low-risk investments - should you invest in annuities, CDs? When choosing a money market fund, should you just invest in the one with the highest post-tax return? How do you go about replenishing cash, or rebalancing your portfolio, when the stock market is up? Plus, the widow\\u2019s penalty in relation to Roth conversions, and switching from survivor Social Security benefits to your own. Also - withdrawing from your portfolio before RMD age? One listener says nobody should ever need to do it!\\xa0

Timestamps:

• 00:51 - How to Safely Invest and Protect $400K When You\\u2019re Risk Averse (Tyler, OH - voice)
• 07:31 - Rebalancing: How to \\u201cReplenish Cash\\u201d When Stocks Are Up? (Elisa, Fremont, CA)
• 13:27 - Money Market Funds: Don\\u2019t I Want the Highest Post-Tax Return? (Michael, CO)
• 18:42 - The Widow\\u2019s Penalty and Roth IRA Conversions (KBH, San Antonio)
• 27:46 - Can I Switch from Survivor Social Security Benefits to My Own at Age 70? (Sara, Tucson, AZ)
• 30:43 - COMMENT: Come On People, You\\u2019ve Had a Lifetime to Set Up Your Retirement (April, Tinley Park, IL)
• 36:46 - The Derails

Access this week\'s free financial resources in the podcast show notes at https://bit.ly/ymyw-425

• Withdrawal Trap Doors - YMYW TV episode and free companion guide
• Register for the Q1 2023 Market Update / Q2 2023 Financial Market Outlook Webinar, April 26, 12pm PT / 3pm ET with Pure Financial Advisors\\u2019 EVP and Chief Investment Officer, Brian Perry, CFP\\xae, CFA.
• Episode Transcript
• Ask Joe & Big Al On Air