We’re kicking off the week by answering your listener questions! And if you have a question that you’d like for us to answer on the show, we’d love for you to submit your own via HowToMoney.com/ask, send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Torn: We’re behind when it comes to investing but it seems silly when we don’t have enough liquid savings... what do we do?! 2 - Pension: How aggressively should I invest my Roth IRA dollars when I have a safe pension to fall back on? 3 - Mortgage recast: What’s a good rule of thumb when I’m considering recasting my mortgage to shrink my monthly payment? 4 - Social Security: Why do y’all always say to delay and wait to draw on Social Security? 5 - Work-provided insurance: Should I pay extra for accidental death and dismemberment insurance or stick with the free option? Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending. Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group! Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical. Money Gears: knowing what to do with your money is crucial to your personal finance journey. MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense. During this episode we enjoyed a Comeback Sauce by Creature Comforts and Edmund’s Oast... thanks for donating this one to the pod Nick! And please help us to spread the word by letting friends and family know about How to Money! Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out!