Lots of listener's voices on this episode. The speakpipe to record your questions is working well! I answer your colleagues questions about contributing to a Roth IRA for those married filing separately, taking out a 401(k) loan, funding HSAs, when it makes sense to file as an S Corp, exchanging an annuity, and more. If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/ This episode is sponsored by First Republic. You worked hard to get your degree...and you continue to work hard to pay off your student loan debt. Consider a refinance with First Republic Bank and start working on what matters most to you. First Republic can offer you fixed rates on your student loans that are among the lowest in the country, and could potentially save you thousands. First Republic is committed to helping you get out of student loan debt faster, so you can enjoy the benefits of your hard work sooner. Visit www.firstrepublic.com/whitecoatinvestor to learn more about First Republic’s low rates and extraordinary service. That’s www.firstrepublic.com/whitecoatinvestor First Republic Bank. Member FDIC and Equal Housing Lender.