On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why a surprisingly strong jobs report may keep the Fed on hold longer than investors expected, what that means for inflation, interest rates, and your portfolio, and why reacting to headlines can be costly. They also discuss the unique financial planning challenges facing couples with significant age gaps, how to future-proof your career in the age of AI, whether a financial advisor is worth the cost, strategies for managing future required minimum distributions, how the mega backdoor Roth works, and the age-old question: should you pay off your mortgage early or invest the money instead?