Current market volatility has everyone concerned, but staying informed is crucial for making sound financial decisions. A listener's refinancing journey sheds light on evaluating mortgage terms carefully. Misconceptions about Roth IRAs are tackled, emphasizing the need for financial literacy. Spousal Social Security benefits get clarified, focusing on the timing of claims for better income. The intricacies of retirement accounts, including backdoor Roth conversions, are explored, alongside a heartfelt reminder to prioritize relationships and health.