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On "Your Money, Your Wealth," the Trump tax cuts are set to expire in 2025, but the House has approved a GOP bill to make them permanent. Life insurance settlements are being offered as a solution to senior bankruptcies. Joe and Big Al answer various email questions, including the best Roth conversion strategy, tax bracket jumps, recharacterization, and more. In six days, the IRS may take back conversions. They also discuss required minimum distributions, qualified charitable distributions, Roth IRA rollovers, and the risks of self-directed IRAs.