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Ralph and Alice in Monument, Colorado have $4.6 million dollars saved at ages 63 and 58. Should they do Roth conversions? How do they avoid IRMAA? Mary Jo in Escondido, California wonders if she should use her 403(b) money to pay off her mortgage. And Lucas plans to spend from his brokerage, then his 401(k), then his Social Security and pension when he retires in 20 years. What do Joe and Big Al think of his strategy? Find out today on Your Money, Your Wealth® podcast 534.
Free financial resources & episode transcript: https://bit.ly/ymyw-534
DOWNLOAD the Key Financial Data Guide
DOWNLOAD The Retirement Readiness Guide
Watch Is There a Formula for Retirement? on YMYW TV
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Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
00:55 - We're 63 and 58 With $4.6M Saved. Should We Do Roth Conversions? Can We Avoid IRMAA? (Ralph & Alice, Monument, CO - voice)
11:51 - Watch Is There a Formula for Retirement? on YMYW TV, Download The Retirement Readiness Guide for free
12:59 - Should I Use My 403(b) Pay Off My Mortgage? (Mary Jo, Escondido)
16:48 - Brokerage to 401(k) to Social Security and Pension: Good Income Strategy for Retirement in 20 Years? (Lucas)
26:33 - YMYW Podcast Outro
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Before she retires next month at age 52, Rowan in Georgia wonders how to maximize growth in her IRA, which will be funded with 72(t) early retirement withdrawals. What do Joe Anderson, CFP® and Big Al Clopine, CPA think of her substantially equal periodic payment plan? And how should she allocate it? Michael in Virginia isn’t interested in any international investments and is instead invested in stocks like Google, Amazon, Microsoft, Meta, and Berkshire. What adjustments would the fellas make to his portfolio for long term growth? That’s today on Your Money, Your Wealth® podcast 533. Plus, our friend Will, who is not a gas siphoner, wants Joe and Big Al’s opinion on "backdoor Rothing" his solo 401(k) instead of having an emergency fund, and on what he should do with his annuity. Also, the fellas explain ESOP and NUA - that is, employee stock ownership plans and net unrealized appreciation - for Tess and Finn in Texas.
Free financial resources & episode transcript: https://bit.ly/ymyw-533
WATCH 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV
CALCULATE your free Financial Blueprint
SCHEDULE your Free Financial Assessment
The origins of Will the Gas Siphoner (audio only)
ASK Joe & Big Al for your Retirement Spitball Analysis
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Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
01:05 - How Do I Maximize My 72(t) Early Retirement Withdrawals? (Rowan, GA - voice)
10:24 - Watch 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV, Calculate your free Financial Blueprint
11:23 - I'm Not Interested in International Investments. Does My Asset Allocation of Tech Stocks Make Long-Term Sense? (Michael, VA)
14:18 - Should I Backdoor Roth My Solo 401(k) Income Instead of Having an Emergency Fund? What Should I Do With My Annuity? (Will the Gas Siphoner)
24:44 - Schedule a Free Financial Assessment With Pure Financial Advisors
25:53 - ESOP and NUA Explained (Tess & Finn, TX)
31:53 - Tribute to Betsey Clopine, 1933 - 2025
33:17 - YMYW Podcast Outro
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Saknas det avsnitt?
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Imagine being told you only have 12 months to live. What would you do with your time? Today on Your Money, Your Wealth podcast number 532, Big Al Clopine, CPA and Executive Producer Andi Last are thrilled to welcome Jonathan Clements back for his fourth appearance. For thirty years, Jonathan has been known for his personal finance writing: in his column “Getting Going,” which appeared in the Wall Street Journal over 1,000 times starting in 1994, on his website HumbleDollar.com, and in his many acclaimed books. About a year ago, Jonathan Clements was diagnosed with a rare form of lung cancer and was told he had about a year to live. Today we’re celebrating the fact that he is still here with us, and we’re inspired by his decision to use his precious time to launch The Jonathan Clements Getting Going on Savings Initiative. Watch or listen to find out how you can get a free Kindle copy of Jonathan’s new book, and how you can help Jonathan pay it forward for the next generation.
Free financial resources & episode transcript: https://bit.ly/ymyw-532
The first 100 people to email us will receive a free Kindle copy of The Best of Jonathan Clements: Classic Columns on Money and Life
WATCH Retirement Sabotage! 12 Post-Retirement Money Mistakes to Avoid on YMYW TV
ASK Joe & Big Al for your Retirement Spitball Analysis
SCHEDULE your Free Financial Assessment
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Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
02:53 - Jonathan Clements' Getting Going on Savings Initiative
05:23 - $1,000 Roth IRA Contributions and Personal Finance Education for Young Adults
07:55 - Exponential Growth: The Sooner You Save, The Better
09:44 - Research Study Will Measure Impact on Young Savers
11:56 - Financial Education is Important
14:05 - The John C. Bogle Center for Financial Literacy
14:38 - The First 100 People to Email Us Receive a Free Copy of The Best of Jonathan Clements: Classic Columns on Money and Life
15:45 - How Does a Healthy 62-Year-Old Non-Smoker End Up Living With Stage IV Lung Cancer? The EGFR Exon 20 Insertion Mutation
18:52 - HumbleDollar.com, The Jonathan Clements Getting Going on Savings Initiative, and The Best of Jonathan Clements Book
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Tariffs killed Carl’s investment portfolio and left him wondering if he should claim Social Security early. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for him today on Your Money, Your Wealth® podcast number 531. Kelly and Steve in Pennsylvania ask for a three-fer spitball - when to claim their Social Security, whether they should contribute to Roth or convert to Roth for that lifetime tax-free growth on their investments, and if they’re on track for Kelly to retire in three years.
Free financial resources & episode transcript: https://bit.ly/ymyw-531
CALCULATE your free Financial Blueprint
WATCH The Retirement Course: Can You Hit a Hole in One? on YMYW TV
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Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
01:21 - Tariffs Killed My Portfolio. Should I Claim Social Security Early? (Carl)
10:14 - Watch The Retirement Course: Can You Hit a Hole in One? on YMYW TV, Calculate your free Financial Blueprint
11:13 - When Should We Claim Social Security? Roth Contributions or Conversions? Are We On Track for Retirement? (Kelly & Steve)
25:00 - Download the Key Financial Data Guide, YMYW Podcast Outro
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What should you do when the asset allocation of your retirement portfolio drifts? Joe Anderson, CFP® and Big Al Clopine, CPA spitball on rebalancing for DJ in St. Louis, today on Your Money, Your Wealth® podcast number 530. Plus, Coach Dobber in Minnesota is curious about municipal bonds in a brokerage account, and Daniel in Stevensville, Michigan needs details on emergency funds. Also, can Tim the Enchanter do a Roth conversion and avoid the nasty big pointy teeth of capital gains tax? And, Duke in upstate New York told his wife they need 6 million dollars in retirement, and she said he was silly. What say Joe and Al? We’ll find out.
Free financial resources & episode transcript: https://bit.ly/ymyw-530
ASK Joe & Big Al for your Retirement Spitball Analysis
SCHEDULE your Free Financial Assessment
SUBSCRIBE to YMYW on YouTube
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Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
00:47 - Rebalancing Asset Allocation of US Stocks, International Stocks, and Bonds (DJ in St Louis)
07:21 - Can I Do a Roth Conversion and Have No Cap Gains Tax? (Tim the Enchanter, FL)
15:44 - Watch Financial Planning at Every Age on YMYW TV, Download the Retirement Readiness Guide for free
16:41 - Municipal Bonds in a Brokerage Account: Good Idea? (Coach Dobber, MN)
22:48 - Told My Wife We Need $6M to Retire in 20 Years. She Say's I'm Silly. (Duke, upstate NY)
27:09 - Calculate your Free Financial Blueprint, Schedule your Free Financial Assessment
28:54 - What Is an Emergency Fund and How Much Should I Have in It? (Daniel, Stevensville, MI)
36:00 - YMYW Podcast Outro -
John in Boston is in the 32% tax bracket. Should he do Roth conversions? Flight Deck Dad and Irish Girl in Pensacola have a lot of tax-free pension income. Should they do Roth conversions? Bert and Ernie in New Jersey wonder if they should convert to Roth or take advantage of zero percent capital gains tax rates. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for all of them today on Your Money, Your Wealth® podcast number 529. Plus, Michael and his wife in Bellevue are 34, in the 24% tax bracket and wonder if they should contribute to tax-free or tax-deferred accounts, and if they should slow down on retirement savings and start a bridging account for the years between when they want to punch the clock in their early to mid-50s, and when they can access their retirement savings. Then, for something completely different, Frenchie from Maine writes back in: What are the disadvantages to paying off her mortgage ASAP, and what’s the tax efficiency of a money market compared to bond funds?
Free financial resources & episode transcript: https://bit.ly/ymyw-529
WATCH How to Break Through Retirement Barriers on YMYW TV
CALCULATE your Free Financial Blueprint
SCHEDULE your Free Financial Assessment
ASK Joe & Big Al for your Retirement Spitball Analysis
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Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
01:00 - We’re in the 32% Tax Bracket. Should We Do Roth Conversions? (John, Boston, MA)
06:19 - We Have Large Tax-Free Pension Income. Should We Do Roth Conversions? (Flight Deck Dad & Irish Girl, Pensacola, FL)
16:03 - Watch How to Break Through Retirement Barriers on YMYW TV, Calculate your free Financial Blueprint
16:52 - Should We Do Roth Conversions or Take Advantage of 0% Capital Gains Tax? (Bert & Ernie, NJ)
25:53 - In the 24% Bracket. Should We Contribute to Tax-Free or Tax Deferred Accounts? (Michael, Bellevue, WA)
29:49 - Schedule a Free Financial Assessment at any of Pure Financial Advisors' 12 nationwide locations or online
31:04 - Disadvantages to Paying Off the Mortgage ASAP? Tax Efficiency of Money Market vs. Bond Funds? (Frenchie, ME)
36:23 - Outro: Next Week on the YMYW Podcast
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You’ve been jamming money into your retirement accounts for years now. When is it okay to slow down? Joe Anderson, CFP®® and Big Al Clopine, CPA spitball for Ron and Veronica in Indiana today on Your Money, Your Wealth® podcast 528. Plus, how can Scott in Illinois bridge the gap from age 55 to retirement income at 57? How should Big Juan in Texas pay for college? Should he convert his TSP to Roth? Can he retire at 55 And finally, Frank and Jane Drebin in Wisconsin are 46 and 47 and wondering if their plan for retirement in 5 years is just a pipe dream.
Free financial resources & episode transcript: https://bit.ly/ymyw-528
DOWNLOAD The Retirement Readiness Guide for free
WATCH What Happens to Your 401(k) & IRA at Retirement? On YMYW TV
CALCULATE your free Financial Blueprint
ASK Joe & Big Al for your Retirement Spitball Analysis
SCHEDULE your Free Financial Assessment
SUBSCRIBE to YMYW on YouTube
DOWNLOAD more free guides
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SUBSCRIBE to the YMYW Newsletter
Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
01:13 - Can I Take My Foot Off the Gas on Saving for Retirement? (Ron and Veronica, IN)
09:48 - Watch What Happens to Your 401(k) & IRA at Retirement? On YMYW TV and Download The Retirement Readiness Guide
10:43 - How to Bridge the Gap from Age 55 to Retirement Income at 57? (Scott, IL)
20:04 - How to Fund College? TSP to Roth Conversions? Retirement at 55? (Big Juan, TX)
24:45 - Calculate Your Free Financial Blueprint
25:45 - We're 46 and 47, Is Our Retirement Plan a Pipe Dream? (Frank and Jane Drebin, WI)
32:26 - Next Week on the YMYW Podcast
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What are the pros and cons if Chip uses the money in his taxable brokerage account for early retirement income? Jack and Sally ask Joe and Big Al to spitball on whether they can retire around age 55 or 60, and whether they should max out their Roth or convert to Roth, today on Your Money, Your Wealth® podcast 527 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Plus, April and Andy ask the fellas to spitball on their dividend investing strategy, and Don wonders if a separately managed account (SMA) makes sense for his taxable account. (We’ll also find out what an SMA is.)
Free financial resources & episode transcript: https://bit.ly/ymyw-527
CALCULATE your free Financial Blueprint
DOWNLOAD The Withdrawal Strategy Guide for free
DOWNLOAD 10 Steps to Improve Investing Success for free
WATCH Your 11-Step Path to Financial Freedom on YMYW TV
ASK Joe & Big Al for your Retirement Spitball Analysis
SCHEDULE your Free Financial Assessment
SUBSCRIBE to YMYW on YouTube
DOWNLOAD more free guides
READ financial blogs
WATCH educational videos
SUBSCRIBE to the YMYW Newsletter
Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
00:52 - Pros and Cons of Using a Taxable Brokerage Account for Early Retirement Income? (Chip Skylark, Dimsdale)
13:24 - Watch Your 11-Step Path to Financial Freedom on YMYW TV, Calculate Your Free Financial Blueprint
14:27 - Is My Dividend Investing Strategy Missing Anything? (Andy & April, Knoxville, TN)
25:02 - Can I Retire Between Ages 55-60? Should I Max Out Roth Contributions, or Convert to Roth? (Jack & Sally, NC)
31:18 - Download the Withdrawal Strategy Guide and 10 Steps to Improve Investing Success for Free
32:03 - Does a Separately Managed Account (SMA) Make Sense for My Taxable Account? (Don, IA)
40:46 - Next Week on the YMYW Podcast
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Just about every week here on YMYW, Joe and Big Al talk about converting your retirement savings to Roth accounts. But why? What’s the big deal? Today the “IRA guru” Ed Slott, CPA returns to Your Money, Your Wealth® in podcast number 526 with Joe Anderson, CFP® and Big Al Clopine, CPA to tell us why he calls the Roth IRA “the greatest account ever created.” (Here’s a hint: it’s all about having tax-free income in retirement - and beyond.) Plus, where to prioritize saving for retirement? Jerry Tom in St. Louis wants to know. Are Christian and Tiffany in Montana on track for retirement, and should they rebalance their ETFs? Should Frank in Lake Wobegon’s wife take her teachers’ salary over 9 months or 12 months? And finally, Jon thinks the target retirement withdrawal rates Joe and Big Al use to spitball are too low - we’ll see what they think.
Free financial resources & episode transcript: https://bit.ly/ymyw-526
DOWNLOAD The Complete Roth Papers Package
CALCULATE your Financial Blueprint
WATCH Don’t Let These 10 Risks Break Your Retirement on YMYW TV
ASK Joe & Big Al for your Retirement Spitball Analysis
SCHEDULE your Free Financial Assessment
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Timestamps:
00:00 - Intro
00:59 - Ed Slott, CPA on the Roth IRA, the Future of Taxes, the Death of the Stretch IRA, and Naming a Trust as Your Retirement Account Beneficiary
19:44 - Download The Complete Roth Papers Package for free
20:37 - Where to Prioritize Saving for Retirement? (Jerry Tom, St. Louis)
28:57 - Are We on Track for Retirement? Should We Rebalance Our ETFs? (Christian & Tiffany, Montana)
40:43 - Watch Don't Let These 10 Risks Break Your Retirement on YMYW TV, Calculate Your Free Financial Blueprint
41:44 - Is It Better to Take Teachers' Salary Over 9 Months or 12? (Frank, Lake Wobegon - voice)
45:32 - Withdrawal Rates Are Very Low on YMYW (Jon, Twitter & Apple Podcasts)
49:46 - YMYW Podcast Outro
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Tariffs, inflation, healthcare costs... how do you shift from saving to spending in retirement while managing risks like these? Jamie Hopkins is a CERTIFIED FINANCIAL PLANNER® professional, an attorney, and best-selling author of Find Your Freedom and Rewirement: Rewiring the Way You Think About Retirement. He returns to the show today on Your Money, Your Wealth® podcast 525 with Joe Anderson, CFP® and Big Al Clopine, CPA, to share insights on how to rewire your retirement plans. Plus, how should Fred and Ginger in Huntington Beach, California, pay for repairs on their rental properties? How can Peter Lemonjello manage taxes in his early retirement with 72(t) elections, rental income, and an installment sale? Can Calvin and Susie in Lancaster, Pennsylvania, buy an $800,000 beach house - and should they?
Free financial resources & episode transcript: https://bit.ly/ymyw-525
DOWNLOAD The Recession Protection Guide
WATCH the Market Volatility webinar with Joe Anderson, CFP® and Brian Perry, CFP®, CFA from Pure Financial Advisors on demand
DOWNLOAD 10 Tips for Real Estate Investors
WATCH How Your Home Can Create Retirement Income on YMYW TV
ASK Joe & Big Al for your Retirement Spitball Analysis
SCHEDULE your Free Financial Assessment
SUBSCRIBE to YMYW on YouTube
DOWNLOAD more free guides
READ financial blogs
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SUBSCRIBE to the YMYW Newsletter
Thanks to Million Podcasts for ranking YMYW in several of their "Best of" lists! Read more.
Timestamps:
00:00 - Intro
00:59 - Rewiring Spending and Managing Risk in Retirement with Jamie Hopkins Esq., LLM, CFP®, ChFC®, CLU®, RICP®
24:07 - Watch the Market Volatility Webinar On Demand, Download the Recession Protection Guide
24:52 - How Should We Pay for Repairs on Rental Properties? (Fred & Ginger, Huntington Beach, CA)
33:06 - Early Retirement Taxes: 72(t) Timing, Installment Sale, and Rental Income (Peter LemonJello, FL)
44:02 - Watch How Your Home Can Create Retirement Income on YMYW TV, Download 10 Tips for Real Estate Investors
44:33 - Can and Should We Buy an $800K Beach House? (Calvin and Susie, Lancaster, PA)
53:33 - YMYW Podcast Outro
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Will your taxes go up? Stay the same? Go down, even? Jeffrey Levine is Chief Planning Officer at Focus Partners, Professor of Practice in Taxation at the American College of Financial Services, and the Lead Financial Planning Nerd at Kitces.com. In other words, he’s one of the savviest tax minds in the country. Jeff returns to the show today on Your Money, Your Wealth® podcast number 524 with Joe Anderson, CFP® and Big Al Clopine, CPA, with his thoughts on what will happen to taxes under the new administration, saving for retirement in a Roth IRA vs. a traditional IRA, managing inherited retirement accounts, and the future viability of Social Security. Plus, what should you do with required minimum distributions when you don't need the money to live on? How do you calculate the maximum amount you should convert from your retirement account to a tax-free Roth account, and how much should you convert - or not - to keep RMDs under control? Finally, how can minor beneficiaries avoid probate?
Free financial resources & episode transcript: https://bit.ly/ymyw-524
LIMITED TIME SPECIAL OFFER: DOWNLOAD The DIY Retirement Guide by Friday April 11, 2025!
WATCH Take Control of Your Retirement Plan on YMYW TV
ASK Joe & Big Al for your Retirement Spitball Analysis
SCHEDULE your Free Financial Assessment
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Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
01:05 - Will These Historic Low Tax Rates Be Extended? Insight from Jeff Levine, CFP®, CPA/PFS, ChFC®, RICP®, CWS, AIF, BFA™, MSA
19:54 - Make These 3 Investments for a Happy Retirement and Watch Take Control of Your Retirement Plan on YMYW TV
21:06 - What to Do With Required Minimum Distributions When You Don't Need the Money to Live On? (Judi, San Diego)
24:40 - How Much NOT to Convert to Roth to Keep RMDs Under Control? (DH from SoCal)
32:26 - LIMITED TIME SPECIAL OFFER: Download the DIY Retirement Guide by Friday, April 11, 2025!
33:39 - How to Calculate How Much Roth Conversion I Should Do? (Joe, voice)
38:42 - How Can I Reduce My Required Minimum Distributions? (Joel, CA)
40:18 - How Can Minor Beneficiaries Avoid Probate? (Esther, San Francisco)
46:04 - YMYW Podcast Outro
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What are the three predictors of retirement happiness? Dr. Michael Finke, CFP® from the American College of Financial Services tells us what his research shows. He also shares his insights on the four percent rule for retirement withdrawals and whether there is anything we can do to stave off the effects of aging on our cognitive abilities. That’s today on Your Money, Your Wealth podcast number 523 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Joe and Big Al do some retirement spitballing: can Jon in Pennsylvania retire early at age 56, and would it be better for him to take his pension monthly or as a lump sum? Steve and his wife in Colorado are 48 and 54 and have $3 million saved. When can they retire? Eager Eagle and his wife in Washington state have $2 million saved at ages 61 and 63. Can they retire next year?
Free financial resources & episode transcript: https://bit.ly/ymyw-523
DOWNLOAD The Retirement Lifestyles Guide
DOWNLOAD The Social Security Handbook
WATCH: Social Security Basics You Need to Know: Common Social Security Questions Answered on YMYW TV
WATCH/LISTEN: What’s Your Retirement Income Style?
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SCHEDULE your Free Financial Assessment
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What is your retirement income style? Dr. Wade Pfau, CFA, RICP®, is the co-founder of RISAprofile.com, providing investors with retirement income style awareness. He returns to Your Money, Your Wealth® today on podcast number 522 to talk about four different styles of retirement income, distribution planning and the four percent rule. Plus, what does Dr. Pfau think will happen with President Trump’s 2017 tax cuts, scheduled to sunset at the end of this year? What are Dr. Pfau’s thoughts on annuities as part of your retirement plan? Next, "Joe Anderson’s Top 5 Things" to help you manage the impact of all this market volatility on your portfolio. Also, Joe Anderson CFP® and Big Al Clopine, CPA spitball for "Al Bundy" in St. Louis: what withdrawal strategy makes sense for him, and what he should do with his IRA and 401(k) money?
Free financial resources & episode transcript: https://bit.ly/ymyw-522
DOWNLOAD the Recession Protection Guide
DOWNLOAD The Tax Planning Guide
WATCH Escape These 11 Tax Traps and You'll Save in Retirement on YMYW TV
ASK Joe & Big Al for your Retirement Spitball Analysis
SCHEDULE your Free Financial Assessment
SUBSCRIBE to YMYW on YouTube
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SUBSCRIBE to the YMYW Newsletter
Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
01:00 - Retirement Income Style, Tax Laws, and Annuities with Dr. Wade Pfau
16:39 - What's the Future of Your Social Security? Watch Last Week's YMYW Podcast & Subscribe on YouTube
17:08 - Joe Anderson’s Top 5 Things: How to Manage Market Volatility
26:27 - Learn to Escape These 11 Tax Traps and You'll Save in Retirement on YMYW TV, Download the Tax Planning Guide
27:13 - What Should I Do With My IRA and 401(k)? I'm 61 and Have $10M. (Al Bundy, St. Louis)
00:00 - YMYW Podcast Outro
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What does the future hold for your Social Security under the new Trump administration and Elon Musk's DOGE, the Department of Government Efficiency? Nationally-renowned financial thought leaders Jamie Hopkins, Jeff Levine, Eric Ludwig, and Steve Parrish share their insights with Big Al Clopine, CPA at the American College of Financial Services’ Horizons Conference in San Diego, CA on Your Money, Your Wealth® podcast 521. First, the College's President, George Nichols, gives a brief overview of the institution and their inaugural conference.
Plus, Joe Anderson, CFP® and Big Al spitball on whether Ricky and Lucy in Wisconsin even bother saving for retirement - they’re expecting to inherit about 20 million dollars. When should Tybob in Arizona collect Social Security? Are Roth conversions right for him? Should he go for Medicare or Medicare Advantage? Speedy Racer in Georgia needs a retirement spitball, and Gilligan in New York shares insight for other Gilligans trying to avoid a retirement shipwreck.
Free financial resources & episode transcript: https://bit.ly/ymyw-521
DOWNLOAD the Social Security Handbook
WATCH Are You Ready for Retirement? On YMYW TV
DOWNLOAD the Retirement Readiness Guide
DOWNLOAD the Key Financial Data Guide
READ about all of today’s guests
ASK Joe & Big Al for your Retirement Spitball Analysis
SCHEDULE your Free Financial Assessment
SUBSCRIBE to YMYW on YouTube
DOWNLOAD more free guides
READ financial blogs
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SUBSCRIBE to the YMYW Newsletter
Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
01:10 - The American College of Financial Services and The Horizons Conference with George Nichols III, CAP®
03:59 - What is the Future of Your Social Security Under the New Administration?
13:11 - Watch Are You Ready to Retire? on YMYW TV and Download the Retirement Readiness Guide
14:05 - Should We Bother Saving for Retirement? We're Inheriting $20M. (Lucy & Ricky, WI)
19:05 - When to Claim Social Security? Should I Do Roth Conversions? Medicare vs. Advantage? (Tybob, AZ)
23:28 - I'm 50 With $2.4M Saved. Should I do 72(t) Tax Elections and Retire Right Now? (Speedy Racer, North GA)
33:12 - Download the Key Financial Data Guide for free
34:30 - Comment: Your Podcast Is Impactful for the "Gilligans" (Gilligan, NY)
40:48 - Next Week on the YMYW Podcast
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Martin and Caterina in Green Bay are in their 40s and haven’t yet saved a million bucks. Are they on track to retire at age 58? Can Piggie and Kermit in California retire today at ages 50 and 57 and still build wealth for their children? Can Galahad and Zoot in Chicago retire early in their 50s, or do they need to keep working? Do Bo and Daisy have enough saved to retire now at 61 and 56? Plus, Chuck in South Carolina asks, if you can retire early, why wouldn’t you? Spitballing early retirement, today on Your Money, Your Wealth® podcast 520 with Joe Anderson, CFP® and Big Al Clopine, CPA.
Free financial resources & episode transcript: https://bit.ly/ymyw-520
WATCH this episode on YouTube
WATCH Don't Make These 10 Will and Trust Mistakes on YMYW TV
DOWNLOAD the Estate Planning Organizer
CALCULATE your Financial Blueprint
ASK Joe & Big Al for your Retirement Spitball Analysis
SCHEDULE your Free Financial Assessment
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Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
00:48 - In Our 40s and Haven't Hit a Million Yet. Are We On Track for Retirement? (Martin & Caterina, Green Bay - voice)
10:29 - We Have Over $5M. Can We Retire Today at 50 and 57 and Still Build Wealth for Our Kids? (Piggy & Kermit, CA)
18:24 - Watch 10 Will and Trust Mistakes to Avoid on YMYW TV and Download the Estate Planning Organizer
19:08 - We’re 56 and 52 With $500K. Can I Retire Early at 62? (Galahad and Zoot, Chicago)
25:36 - We’re 61 and 56 With $600K. Have We Saved Enough for Retirement? (Bo & Daisy, upstate NY)
33:49 - Calculate Your Financial Blueprint
34:12 - We’re 61 and 58 With $1.5M. How Much Can We Spend in Retirement, When Should We Claim Social Security? (Hefwannabe and Jane, OK)
42:19 - If You Can Retire Early, Why Wouldn't You? (Chuck, SC)
48:11 - YMYW Podcast Outro
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How much do Nick and Nora in Pittsburgh, and Doc Mc Muffin and her Mr. in Minnesota, need to have saved, and how much can they afford to spend in retirement? What are the disadvantages to Fred and Ethel in Virginia if Ethel collects her Social Security early? Are the Moonshiner and the City Girl in Florida so obsessed with avoiding RMDs and IRMAA that they're wasting too much savings on Roth conversions? That’s today on Your Money, Your Wealth® podcast 519 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, will the tax benefits on a rental property offset the negative cash flow for Lily's 29-year-old son, who has started his professional career with a $750K salary?
Free financial resources & episode transcript: https://bit.ly/ymyw-519
DOWNLOAD the Withdrawal Strategy Guide for free
LIMITED TIME OFFER: Download the Money Makeover Guide by this Friday, March 7! Watch Complete Money Makeover: How to Do a Financial Facelift on YMYW TV
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ASK Joe & Big Al for your Retirement Spitball Analysis
SCHEDULE your Free Financial Assessment
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Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
00:51 - How Much Should We Have Saved Before Retirement? (Nick & Nora, Pittsburgh, PA)
12:01 - Download the Withdrawal Strategy Guide for free
12:38 - We're 40 with $2.7M Saved. Spitball on What We're Missing. (Doc McMuffin, MN)
18:40 - Any Disadvantages to Claiming Social Security Early? (Fred & Ethel, VA)
26:11 - Am I Overly Obsessed with Reducing RMDs and IRMAA, Wasting too Much on Roth Conversions? (The Moonshiner and the City Girl, Orange Park, FL)
34:52 - LIMITED TIME OFFER: Download the Money Makeover Guide by this Friday, March 7! Watch Complete Money Makeover: How to Do a Financial Facelift on YMYW TV
35:36 - Son Makes $750K. Will Rental Property Tax Benefits Offset Negative Cash Flow? (Lily, CA)
40:32 - Joe and Big Al's Very First Jobs
44:18 - YMYW Accolades on Feedspot and Goodpods
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Is it better to save for retirement in traditional 401(k)s and IRAs, or in Roth accounts? That’s today on Your Money, Your Wealth® podcast 518 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, what are the rules around contributing to two different types of Roth accounts? If required minimum distributions will be staggered because of a couple’s age difference, should they convert their retirement savings to Roth, or leave it alone? But first, Joe and Big Al have a backdoor Roth conversion withdrawal debate to settle.
Access free financial resources and the episode transcript: https://bit.ly/ymyw-518
DOWNLOAD The Ultimate Guide to Roth IRAs for free
WATCH Will Your Money Last Through Retirement? on YMYW TV
DOWNLOAD The Retirement Lifestyles Guide for free
WATCH Is a Market Correction Coming in 2025? Q&A and Feedback (YouTube Exclusive)
ASK Joe & Big Al for your Retirement Spitball Analysis
SCHEDULE your Free Financial Assessment
SUBSCRIBE to YMYW on YouTube
DOWNLOAD more free guides
READ financial blogs
WATCH educational videos
SUBSCRIBE to the YMYW Newsletter
Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
01:02 - Can Backdoor Roth Conversions Be Withdrawn at Any Time? (Tyler, Arlington, VA)
06:11 - Am I Allowed to Have Two Roth Accounts? Should I Use My Roth 403(b)? (Kimberly, NY)
07:06 - Should I Switch Contributions from Traditional TSP to Roth? (Kate, Cleveland, OH)
11:47 - Download the Ultimate Guide to Roth IRAs for free
12:43 - Self-Insuring Long-Term Care: Traditional IRA or Roth? (Neo, San Clemente, CA)
18:05 - Our RMDs Will Be Staggered. Should We Convert $4M to Roth or Leave It Alone? (Mike, Western PA)
22:00 - Should I Switch Traditional IRA Contributions to Roth? (Joe, NC)
25:39 - Watch Will Your Money Last Through Retirement? on YMYW TV, Download the Retirement Lifestyles Guide for free
26:31 - Should We Dial Back Pre-Tax Savings and Put More in Brokerage? (Herc & Angel, MA)
31:44 - We Can Mega-Save. What’s Our Plan of Attack? Ricky Bobby, Charlotte, NC)
38:42 - Watch "Is a Market Correction Coming in 2025? YMYW Podcast Q&A and Feedback" (YouTube Exclusive)
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Should Nancy in Washington take out a 401(k) loan and invest it in her brokerage account to catch up on saving for her retirement? When Joe and Big Al talk about having a balanced portfolio of various asset classes like stocks and bonds, Brian in Naperville, Illinois wonders whether that asset allocation strategy takes into account the stabilizing effect of monthly Social Security payments? That’s today on Your Money, Your Wealth® podcast 517 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Joy and her brother are each inheriting $400,000. How should they each invest it for their very different financial situations? Mike in Colorado has a good guaranteed income stream, so what should he do with the money he’s drawing from his taxable IRA every year - convert to Roth, put it in a brokerage account, go on a cruise? And finally, Skipper asks the fellas to spitball on whether he should do Roth conversions or take advantage of zero percent capital gains tax rates. Access free financial resources and the episode transcript: https://bit.ly/ymyw-517
DOWNLOAD the free Retirement Income Strategies Guide
REGISTER for the free Risk Management and Retirement Planning webinar, Wednesday, February 26, 12pm Pacific / 3pm Eastern
WATCH Retirement Rebound: 5 Plays to Help You Score a Comeback on YMYW TV
ASK Joe & Big Al for your Retirement Spitball Analysis
CALCULATE your free Financial Blueprint
SCHEDULE your Free Financial Assessment
SUBSCRIBE to YMYW on YouTube
DOWNLOAD more free guides
READ financial blogs
WATCH educational videos
SUBSCRIBE to the YMYW Newsletter
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What are the benefits and differences between exchange-traded funds and mutual funds? Mike in Colorado wants to know. How should Lauren in Florida approach the fixed-income portion of her investment portfolio? Would a balanced fund be good for asset allocation in the decumulation phase for DJ in Missouri? Plus, Karen wants to make a one-time roulette investment. Should she hire a broker or do it herself? Joe Anderson, CFP® and Big Al Clopine, CPA spitball on investing from the basics to the alternatives, today on Your Money, Your Wealth® podcast number 516. But first, something for YMYW’s legion of Old-Fashioned drinkers: find out how you can put your money where your mouth is with our special guest Jeremy Kasler, the founder and CEO of CaskX, making investing in whiskey and bourbon more accessible and transparent for investors.
Access free financial resources and the episode transcript: https://bit.ly/ymyw-516
DOWNLOAD The Investing Basics Guide
WATCH Financial Facts vs. Fiction: The Truth May Shock You! on YMYW TV
DOWNLOAD The Retirement Readiness Guide
WATCH the full interview with Jeremy Kasler of CaskX
ASK Joe & Big Al for your Retirement Spitball Analysis
CALCULATE your free Financial Blueprint
SCHEDULE your Free Financial Assessment
SUBSCRIBE to YMYW on YouTube
DOWNLOAD more free guides
READ financial blogs
WATCH educational videos
SUBSCRIBE to the YMYW Newsletter
Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
00:55 - How to Invest in Bourbon and Whiskey with Jeremy Kasler, Founder and CEO of CaskX (watch the full interview exclusively on YouTube)
12:17 - Watch Financial Fact vs. Fiction: The Truth May Shock You! On YMYW TV, Download the Retirement Readiness Guide
13:09 - Big Al and Joe's Favorite Bourbons or Whiskeys
15:17 - ETFs vs. Mutual Funds Explained (Mike, CO)
18:34 - Bonds, Bond Funds, TIPs, CDs: Where to Invest for Fixed Income? (Lauren, FL)
21:47 - Download the Investing Basics Guide, Calculate your Free Financial Blueprint
22:54 - Is a Balanced Fund Good for Asset Allocation in the Decumulation Phase? (DJ, Missouri)
27:33 - One-Time Roulette Investment: Should I Hire a Broker or Do It Myself? (Karen)
31:46 - Outro: Next Week on the YMYW Podcast
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Financially speaking, should Old Bear in Northern Kentucky marry his Honey? How should Sebastian in Virginia navigate the financial aspects of his separation? That’s today on Your Money, Your Wealth® podcast 515 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Famous Missourians want to know, how much is enough for retirement, and when can you take your foot off the gas? Can Paul with the Big Wallet Bridge the long gap between retiring and claiming Social Security benefits? And can Aspiring Adventurer in Oregon retire single at age 58?
Access free financial resources and the episode transcript: https://bit.ly/ymyw-515
DOWNLOAD The Going Solo Guide for free
WATCH: Going Solo: Navigating Your Financial Future Single on YMYW TV
ASK Joe & Big Al for your Retirement Spitball Analysis
SCHEDULE your Free Financial Assessment
SUBSCRIBE to YMYW on YouTube
DOWNLOAD more free guides
READ financial blogs
WATCH educational videos
SUBSCRIBE to the YMYW Newsletter
Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
00:44 - Financially Speaking, Should Old Bear Marry His Honey? (Northern Kentucky, near Cincinnati, OH)
08:20 - Navigating Finances When Separating from Your Spouse (Sebastian, VA)
14:52 - Watch Going Solo: Navigating Your Financial Future Single on YMYW TV, Download the Going Solo Guide for free
15:22 - How Much is Enough for Retirement? When Can We Take Our Foot Off the Gas? (JC Penney & Laura Ingalls Wilder, Kansas City, MO)
28:10 - How to Bridge the Long Gap Between Retirement and Social Security (Paul with the Big Wallet)
38:29 - Calculate your free Financial Blueprint
39:00 - Can I Retire at Age 58? Where to Save? Should I Do a Roth Conversion Ladder in Retirement? (Aspiring Adventurer, OR)
50:49 - YMYW Podcast Outro
- Visa fler
