An extra large helping of listener questions today: A young investor seeks our portfolio blessing. Does a Merriman-suggested ETF make sense to own? Should he keep shoveling money into savings? Do RMDs impact Social Security taxation? In which types of accounts should various assets be located? Is this a strategy to avoid backdoor IRA taxes? Don is called on to settle a couple's dispute about annuities. Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments?...