This month, as we meander through the different parts of life we are stopping to reflect on certain areas to pass on wisdom to our children. In this episode of the Retirement Answer Man Nichole Mills joins me to discuss career and retirement.  Do you have a young person in your life who you would like to pass on some juicy nuggets of wisdom? If so, make sure you are signed up for the 6-Shot Saturday newsletter. At the end of this series, we’ll be sending out a carefully cultivated PDF full of sagacity that you can pass on. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [3:27] Can you transfer appreciated assets in kind to a charitable giving trust?  [9:45] How CDs work and when to use them [13:43] How to manage finances when marrying late in life [18:23] When are HSAs not worth the triple tax advantage? WISDOM FOR OUR CHILDREN WITH NICHOLE MILLS [27:19] Think in 5-year increments [29:26] Build career capital [32:00] Cultivate an authentic network [35:27] Wisdom on retirement [39:43] Play by your own rules [40:21] Advice from our listeners TODAY’S SMART SPRINT SEGMENT [48:10] Cultivate your artistic nature Resources Mentioned In This Episode BOOK - Designing Your Life by Bill Burnett and Dave Evans BOOK - Linchpin by Seth Godin  Cal Newport Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center