Clark explains how Vanguard small investors got clobbered by big tax bills during a target retirement fund conversion, without even withdrawing money. Learn where to put your investments to avoid such tax hits. Also – Air travel is a flat out mess right now. Infrequent travelers are especially rattled. International travel is especially challenging. It's taking extra days to reach destinations. As a constant traveler, Clark has several strategies to help protect your sanity during domestic & international flights and cruises.