Let’s dive into the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you might think it is, we want to hear it!

1 - How can I pay less in taxes while making a big Roth IRA conversion?

2 - Should I dollar cost average over 6 to 12 months, or should I simply invest it all at once?

3 - After paying off a ton of student loans, how can I get caught up on my retirement savings?

4 - What are some underrated ways to scrimp and save for a home down payment?

5 - Is there a passive investing bubble and should I hedge my investments?

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• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

During this episode we enjoyed a Kanpai Krisp by Brewyard Beer Co – a big thanks to Better Joel, JO, 5am Joel for donating this one to the pod! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

Best friends out!