What should Martin do about his outrageously fee-heavy 403(b) plan? Should EF hedge his pre-tax non-qualified 415 excess plan? What should Max do with his old TIAA plan, and what are the pros and cons of a cash balance defined benefit plan for self-employed people like Brent Money? Plus, Mike needs Joe and Big Al’s spitball on the highly compensated employee rule and excess 401(k) contributions, and the fellas explain how employee stock purchase plans are taxed for Big Cheese Bob the Tomato.  Timestamps: 00:55 - What to Do About My Outrageous Fee-Heavy 403(b)? (Martin, Miami, FL) 05:56 - Should I Hedge My Pre-Tax Non-Qualified 415 Excess Plan? (EF, Kansas) 14:25 - What to Do With My Old TIAA Retirement Plan? (Max, Seattle) 24:29 - Highly Compensated Employee Rule and Excess 401(k) Contributions (Mike, Castleton, NY) 29:16 - How Are Employee Stock Purchase Plans (ESPP) Taxed? (Big Cheese/Bob the Tomato) 32:26 - Cash Balance Plans Pros and Cons for Self-Employed (Brent Money, Bennington, NE) 40:52 - The Derails Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-449  Investing Basics Guide - free download Financial Boot Camp: Investing Basics - new from YMYW TV Episode Transcript Ask Joe & Big Al On Air for your Retirement Spitball Analysis