Josh divulges some good IRA rules retirees should know about, and how to use charitable contributions for tax loss-harvesting purposes. Also, some things to do before year's end regarding Roth conversions and RMDs, and how a new Biden administration rule makes it easier to take environmental and social factors into consideration with 401k plans (but be wary of government-encouraged "woke investing"). Plus, could there be another big stock market correction in 2023?