On this edition of Ask Suze (and KT) Anything, Suze answers questions from Women & Money listeners Ralph, Gigi, Lisa, Melanie, Beth, Juanita, Denise, Kathleen and Taiko, all selected and read by KT.  

This week’s questions:

• What can we do to keep our children's inheritance from their spend-thrift spouses?
• Can you verify what my financial advisor is telling me regarding annuities?
• My Co-Op board won’t allow me to put my Co-Op shares in my living revocable trust.  What can I do?
• My children are 12 and 14. Should I freeze their credit to protect them from ID theft?
• How can I explain the risks of day trading and impulsive investing, to my 18 year old son?
• If I fund a ROTH with cash, what are the tax implications?
• Should I keep three credit cards open, that have zero balances but annual fees?
• I’m about to retire and my financial advisor wants me to transfer my 401(k)s into one account.  What should I do?
• Are unemployment benefits considered “earned income?”

This week’s Quizzie, from Roxanne: If a ROTH IRA can be used as an emergency fund, why would I need a separate account?

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