Having enough money for a surviving spouse only half the battle. In this week’s episode we explain how some surviving spouses can default to being over-conservative and how it might be worth your time thinking through how your spouse will generate enough income to live the life you always imagined for them.

Episode 24 of Retirement Tax Matters was inspired by Dave Ramsey’s Debt-Free Scream and the parallels we see when high-net-worth retirees settle their tax liability with the IRS. Learn why the psychological victory of a Roth conversion often outweighs the raw math of a calculator.