Nicer Qs

In this Friday Q&A episode, Don introduces a new AI audio enhancement tool that dramatically improves the sound quality of listener questions, then dives into a series of practical retirement issues. He tackles whether converting a $2 million term life policy to whole life after a disability makes sense (and what must be guaranteed in writing), explains how to properly freeze a deceased parent’s credit and handle inherited POD accounts and IRAs under the 10-year rule, pushes back on the increasingly discussed “bond trough” retirement strategy by emphasizing emotional risk over theoretical logic, and closes with reassurance for listeners considering retiring part-time in Mexico, explaining how U.S. retirement accounts, tax treaties, and global banking make the process far simpler than many assume.

0:04 Friday intro and new AI tool that dramatically improves caller audio quality

2:01 Whole life conversion offer after disability — “free” premiums and what to demand in writing

5:57 How to submit spoken questions and call-in info

6:22 After a parent’s death: credit freezes, deceased alerts, and final credit reports

7:41 Inheriting POD accounts and an IRA — step-up in basis and the 10-year IRA rule

9:57 AVGE vs. AVGV fake-out and real question: bond “trough” strategy in retirement

11:24 Logical vs. emotional risk tolerance — why most retirees can’t handle 50% drawdowns

13:40 Retiring internationally (Mexico example) — IRAs abroad, tax treaties, and practical logistics