Your Money, Your Wealth copertina

Your Money, Your Wealth

Your Money, Your Wealth

Di: Your Money Your Wealth
Ascolta gratuitamente

A proposito di questo titolo

 Making fun of finance. A US News & World Report "Top 9 Personal Finance Podcast" (2025) and "Top 12 Retirement Podcast" (2023). One of the "10 Best Personal Finance YouTube Channels" (CardRates, 2023). "Best Retirement Podcast With Humor" (FIPhysician, 2020-2024). Learn strategies that can help you retire successfully. Financial advisor Joe Anderson, CFP® and certified public accountant Big Al Clopine, CPA answer your money questions and spitball on your 401k, IRA, Roth conversions and backdoor Roth IRA, how to pay less taxes, asset allocation, stocks and bonds, real estate, and other investments, Social Security benefits, capital gains tax, 1031 exchange, early retirement, expenses and withdrawals, and more money and wealth management strategies. YMYW is retirement planning, investing, and tax reduction made fun, presented by Pure Financial Advisors - a fee-only financial planning firm. Pure Financial adheres to the fiduciary standard of care, in which we are required by law to act in the best interest of our clients at all times. Access free financial resources and episode transcripts, Ask Joe & Big Al On Air to get your Retirement Plan Spitball Analysis: http://YourMoneyYourWealth.comPure Financial Advisors, LLC Economia Finanza personale Politica e governo
Episodi
  • Too Much 401k Money? The $3M Roth Conversion Problem - 579

    Too Much 401k Money? The $3M Roth Conversion Problem - 579
    Apr 28 2026

    Saving into Roth instead of traditional accounts to bring down required minimum distributions in retirement, and whether retiring early is in the cards: that's today on Your Money, Your Wealth® podcast 579 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Brian in New York and "Todd and Margo" in Utah each have over $3 million in their pre-tax accounts. What should their Roth conversion strategies look like, and can Todd retire this year? But first up, should "Captain Morgan" go Roth to avoid RMDs and can he retire in a couple of years? Should "Klo Jopine" contribute to Roth instead of traditional if his income will always remain the same? Finally, Kyle and Katie have high incomes and need a spitball on how they can avoid future RMDs. Ya think Roth conversions might be in their future? We'll find out.

    Free Financial Resources in This Episode:

    https://bit.ly/ymyw-579 (full show notes & episode transcript)

    LIMITED TIME SPECIAL OFFER: THE DIY RETIREMENT GUIDE - download before the Special Offer changes on Friday, May 1, 2026!

    https://purefinancial.com/ymyw/?utm_source=libsyn&utm_medium=podcast&utm_campaign=whitepaper-diy-retirement-guide&utm_content=ymyw-pod-ep579-description-whitepaper#specialoffer

    Financial Advisors Expose Internet's Worst Retirement Strategies! - YMYW TV:

    https://purefinancial.com/ymyw/episodes/financial-advisors-expose-internets-worst-retirement-strategies/?utm_source=libsyn&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep579-description-tv-s11e11

    Financial Blueprint (self-guided):

    https://bit.ly/PureFinancialBlueprint

    Financial Assessment (Meet with an experienced professional):

    https://bit.ly/PureFreeAssessment

    REQUEST your Retirement Spitball Analysis:

    https://bit.ly/AskJoeAndAl

    DOWNLOAD more free guides:

    https://bit.ly/PureGuides

    READ financial blogs:

    https://bit.ly/PureFinBlog

    WATCH educational videos:

    https://bit.ly/PureEdVideos

    SUBSCRIBE to the YMYW Newsletter:

    https://bit.ly/YMYWNewsletter

    Connect With Us:

    Subscribe on YouTube and join the conversation in the comments:

    https://bit.ly/YMYW-YT

    Subscribe or follow YMYW in your favorite podcast app:

    https://lnk.to/ymyw

    Leave your honest reviews and ratings in Apple Podcasts:

    https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254

    Chapters:

    00:00 - Intro: This Week on the YMYW Podcast 00:58 - Should I Go Roth to Avoid RMDs and Retire at 51? (Captain Morgan, CA) 11:33 - Roth vs Traditional for Flat Income Earners? (Klo Jopine, TN) 22:53 - Big Roth Conversions to Tame a $3.5M 403(b)? (Brian, NY) 27:36 - Can I Retire in 2026 and Spend $200K/yr? (Todd 54 & Margo, UT) 34:53 - How High Income Earners Can Reduce Future RMDs (Kyle & Katie, Midwest) 44:37 - Outro: Next Week on the YMYW Podcast
    Mostra di più Mostra meno
    46 min
  • The Retirement Question Every Couple Asks: Can We Afford It? - 578

    The Retirement Question Every Couple Asks: Can We Afford It? - 578
    Apr 21 2026

    "Chase and Ryder" are 56 and 55 with $5 million saved and huge pensions the day they retire. So why are they so nervous about pulling the trigger? That's today on Your Money, Your Wealth® podcast number 578 with Joe Anderson, CFP® and Big Al Clopine, CPA. "Andy and April" are 46 with $2.4 million saved and 10 years until they want to retire. Can they get there, and do they need a trust? "Burt and Sally" are in their late forties with solid pensions and a retirement dream, but is the math close enough to make it work? Finally, does "Dolly" have any options for squeezing more out of Social Security when she and her spouse have identical benefits? She's inheriting a brokerage account too, and wonders about the asset mix.

    Free Financial Resources in This Episode:

    https://bit.ly/ymyw-578 (full show notes & episode transcript)

    Withdrawal Strategy Guide - free download:

    https://purefinancial.com/white-papers/withdrawal-strategy-guide/?utm_source=libsyn&utm_medium=podcast&utm_campaign=whitepaper-withdrawal-strategy-guide&utm_content=ymyw-pod-ep578-description-whitepaper

    Retirement Spending: How Much is Too Much? - YMYW TV:

    https://purefinancial.com/ymyw/episodes/retirement-spending-how-much-is-too-much/?utm_source=libsyn&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep578-description-tv-s12e02

    Financial Blueprint (self-guided):

    https://bit.ly/PureFinancialBlueprint

    Financial Assessment (Meet with an experienced professional):

    https://bit.ly/PureFreeAssessment

    REQUEST your Retirement Spitball Analysis:

    https://bit.ly/AskJoeAndAl

    DOWNLOAD more free guides:

    https://bit.ly/PureGuides

    READ financial blogs:

    https://bit.ly/PureFinBlog

    WATCH educational videos:

    https://bit.ly/PureEdVideos

    SUBSCRIBE to the YMYW Newsletter:

    https://bit.ly/YMYWNewsletter

    Connect With Us:

    Subscribe on YouTube and join the conversation in the comments:

    https://bit.ly/YMYW-YT

    Subscribe or follow YMYW in your favorite podcast app:

    https://lnk.to/ymyw

    Leave your honest reviews and ratings in Apple Podcasts:

    https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254

    Chapters:

    00:00 - Intro: This Week on the YMYW Podcast

    00:58 - $5.5M, Big Pensions: Safe to Retire at 57? (Chase & Ryder, San Diego)

    10:39 - We're 46. Can We Retire in 10 Years? Do We Need a Trust? (Andy & April, CA)

    21:28 - Can We Retire in 2027 With a Pension + $655K? (Burt & Sally, Nonesuch, KY)

    34:19 - How to Max Social Security with No Spousal Benefit? (Dolly, TN)

    41:41 - Outro: Next Week on the YMYW Podcast
    Mostra di più Mostra meno
    44 min
  • This Early Retirement Strategy Could Be a Huge Mistake

    This Early Retirement Strategy Could Be a Huge Mistake
    Apr 14 2026

    Joe Anderson, CFP® and Big Al Clopine, CPA spitball on whether a popular early retirement strategy could actually blow up your financial plan, today on Your Money, Your Wealth® podcast number 577. Red and Kitty from Wisconsin are burned out at 40 and wonder if retiring at 45 using the 72(t) tax election to take substantially equal periodic payments, or SEPP, is a smart bridge strategy. Jiminy Billy Bob in North Carolina is also considering a 72(t). How should he structure his withdrawal order, and does he need to shift into bonds before downshifting his career? Plus, Steve and Sharon in Minnesota have 8 million bucks. Steve is getting laid off at age 56. What should they do with their 401(k), stock options, incentives, and benefits before and after the layoff?

    Free Financial Resources in This Episode:

    https://bit.ly/ymyw-577 (full show notes & episode transcript)

    Recession Protection Guide - free download

    Retirement Readiness Guide - free download

    6 Ways Americans Accidentally Sabotage Their Retirement - YMYW TV

    Financial Blueprint (self-guided):

    https://bit.ly/PureFinancialBlueprint

    Financial Assessment (Meet with an experienced professional):

    https://bit.ly/PureFreeAssessment

    REQUEST your Retirement Spitball Analysis:

    https://bit.ly/AskJoeAndAl

    DOWNLOAD more free guides:

    https://bit.ly/PureGuides

    READ financial blogs:

    https://bit.ly/PureFinBlog

    WATCH educational videos:

    https://bit.ly/PureEdVideos

    SUBSCRIBE to the YMYW Newsletter:

    https://bit.ly/YMYWNewsletter

    Connect With Us:

    Subscribe on YouTube and join the conversation in the comments:

    https://bit.ly/YMYW-YT

    Subscribe or follow YMYW in your favorite podcast app:

    https://lnk.to/ymyw

    Leave your honest reviews and ratings in Apple Podcasts:

    https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254

    Chapters:

    00:00 - Intro: This week on the YMYW Podcast

    01:06 - Why Retiring at 45 Using 72(t) SEPP Withdrawals is Risky (Red & Kitty, WI)

    13:28 - Early Retirement Strategy: Withdrawal Order, Bonds, and 72(t) (Jiminy Billy Bob, NC)

    22:49 - Laid Off at 56 With $7.9M: How to Handle Your Exit Strategy (Steve & Sharon, St. Paul, MN)

    43:51 - Outro: Next Week on the YMYW Podcast
    Mostra di più Mostra meno
    45 min
Ancora nessuna recensione