We continue our focus on you this month as we dive deeper into listener questions. Today we have a range of questions from various aspects of the retirement process. If you have a question you want to be answered, head on over to RogerWhitney.com/AskRoger. You can type in a question or leave an audio recording–those are my favorites! Listen in to learn how to work through the decumulation phase of retirement by developing a withdrawal plan that fits your needs.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [3:32] What are the advantages or disadvantages to using bond funds to create an income floor? [9:21] How do I report a QCD on my income tax return? [14:50] Can you contribute to a Roth IRA with only a 1099 income? [16:00] On doing a series on grey divorce in the future [17:14] Where to pull money from first in the decumulation phase [23:04] Where to put your passwords BRING IT ON [28:20] Are we ever enough? TODAY’S SMART SPRINT SEGMENT [31:01] Confirm that your spouse knows your passwords Resources Mentioned In This Episode Everplans 1Pass Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center