Are you much of a drinker? Studies show that 60% of Americans are, and an even greater percentage of college-educated Americans are. In this episode, Dr. Bobby Dubois and I reflect on the effects of alcohol on retirement. We’ll get into everything: the good, the bad, and the ugly. Don’t worry, we’re still exploring Roths this week by answering your questions. All of our listener questions are related to Roths. If you have a question about our recent Roth series or anything retirement-related leave a voice recording or an email here.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [2:51] On contributing to a Roth via 401K [5:02] Getting pushback from advisors on converting a 401K to Roth [14:10] How does the 5-year rule apply to a new Roth account [17:28] On implementing a resilient plan [22:30] Clarification on the pro rata rule BRING IT ON WITH DR. BOBBY DUBOIS [24:17] Who drinks alcohol and how much [32:41] The good and bad of drinking alcohol  [38:56] The ugly of drinking alcohol [45:21] How does alcohol affect you? TODAY’S SMART SPRINT SEGMENT [48:52] Experiment with your relationship with alcohol Resources Mentioned In This Episode Podcast - Huberman Lab BOOK - Outlive by Peter Attia Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center