On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain how seemingly smart financial decisions can actually work against each other when they're not part of a coordinated plan. From paying off your mortgage and managing retirement taxes to helping adult children and making charitable gifts, they reveal why timing matters. Plus, what new research says about Gen Z investing habits, how home appraisals can derail a sale, the tax advantages of direct indexing, strategies for leaving money to your heirs, and whether wealthy retirees really need long-term care insurance.