A very busy Q&A day as Don take on the last questions of last year, finally:

• What evidence is there that lump-sum investing beats dollar-cost averaging?
• What to do when uncomfortable asking an advisor those tough questions?
• When looking for real estate does Elevate Money make sense?
• How to make better tax planning moves when you're out of qualified plan options?
• What's the best place for emergency money?
• How does one create a retirement asset drawdown strategy?
• After emergency funds complete where should longer term money be invested?