Your Money, Your Wealth
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Your Money, Your Wealth
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...
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576 એપિસોડ્સ
Roth Conversions, Pension Lump Sums & Annuities: Is Bigger Always Better? - 581
June in Washington State is 62 with $2.5 million saved and a $350,000 pension on the table. Should she take the lump sum or the monthly check for life...
You Have Enough to Retire Before 60. Why Are You Still Working? - 580
Today on Your Money, Your Wealth® podcast number 580, Joe Anderson, CFP®, and Big Al Clopine, CPA, are spitballing for some folks who've done the work...
Too Much 401k Money? The $3M Roth Conversion Problem - 579
Saving into Roth instead of traditional accounts to bring down required minimum distributions in retirement, and whether retiring early is in the card...
The Retirement Question Every Couple Asks: Can We Afford It? - 578
"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? Tha...
This Early Retirement Strategy Could Be a Huge Mistake
Joe Anderson, CFP® and Big Al Clopine, CPA spitball on whether a popular early retirement strategy could actually blow up your financial plan, today o...
When Roth Conversions Don't Make Sense (And When They're a No-Brainer) - 576
Are Roth conversions worth it? We'll find out, today on Your Money, Your Wealth® podcast number 576. TJ in PA is gonna have huge capital gains. Joe an...
Die With Zero: Are You Giving Your Kids Too Much? - 575
Joe Anderson, CFP® and Big Al Clopine, CPA spitball on how to build your own retirement AND support your kids financially, today on Your Money, Your W...
When Should You Take Social Security? (Don't Screw This Up) - 574
Joe Anderson, CFP® and Big Al Clopine, CPA focus on Social Security claiming strategies as part of the retirement spitballs, today on Your Money, Your...
Could You Retire Tomorrow If You Had To? - 573
Juan and Mary in Brooklyn are 49 and 48 with $2.2 million saved. Can Juan afford to retire early, or just walk away if he gets fired? And if they get...
Could You Lose Half Your Retirement Income to Taxes? - 572
"Carl and Jane" have eight million bucks, and their advisor is suggesting a 130/30 long-short investing strategy. Joe Anderson, CFP® and Big Al Clopin...
Retire Early in Your 40s or 50s: Green Light or Reality Check? - 571
If you plan to punch the clock for the final time decades before "standard" retirement age, you need a financial strategy that goes beyond just saving...
Retirement Planning for Aging Parents - and Can You Retire Early? - 570
Joe and Big Al spitball two sides of the retirement equation, today on Your Money, Your Wealth® podcast number 570. Daniel in Texas is 40 and worrying...
Retirement Changes at These 5 Major Financial Crossroads - 569
When you're standing at a major financial crossroads, the timing of your decisions can mean the difference between success and failure. Joe Anderson,...
Tax-Smart Investing at Every Age: Starting Young or Catching Up - 568
John Q. Taxpayer is in the home stretch of his career, looking for the best way to catch-up and build his tax-free bucket. Meanwhile, a pair of young...
Rising Costs and Retirement Unknowns? Here's What to Do - 567
Should Al and Peggy in Illinois keep hammering pre-tax retirement savings or should they pivot to post-tax Roth for better tax diversification? Which...
High Net Worth Pre-Retirees Share Their Biggest Fear (Here's How to Calm It) - 566
"Mr and Mrs Smith" have nearly $850,000 saved at age 43, but they're very concerned about retirement. "Lucy and Desi" are 58 and 64 with nearly $7 mil...
48 and Worried About Early Retirement? This Changes the Math - 565
Lucky Lou is 48, burned out and wants to punch at 50. How should he bridge the gap before pensions and Social Security? Joe Anderson, CFP®, and Big Al...
Social Security Timing and When Family Wrecks Retirement - 564
Hana's mom is 92. Mom's husband is 74, and after years of trying to help a family member, nearly a million dollars is gone. How do they stop the bleed...
How to Beat the "Fire Hydrant" of Future Taxes: YMYW Best of 2025 - 563
YMYW friends, welcome to 2026. What actually mattered most to you in 2025? It turns out to be tax-free gains on investments, retirement timing, and cl...
I'm 42 and Burned Out with $2.25M. Can I Retire Early from My Toxic Job? - 562
Today on Your Money, Your Wealth podcast 562 (an encore of episode 513), Joe Anderson, CFP® and Big Al Clopine, CPA spitball for YMYW listeners in the...
Retirement Finances Whether You're Married, Separated, or Single - 561
Financially speaking, should Old Bear in Northern Kentucky marry his Honey? How should Sebastian in Virginia navigate the financial aspects of his sep...
The Truth About High Income Investments and Retirement Safety - 560
Today on Your Money, Your Wealth® podcast 560, Joe Anderson, CFP® and Big Al Clopine, CPA spitball business development company (BDC) funds for Edward...
Will Buying Your Dream Home Ruin Early Retirement? - 559
Today on Your Money, Your Wealth® podcast 559 with Joe Anderson, CFP®, and Big Al Clopine, CPA, David wants to know if he and his wife (ages 47 and 53...
Roth IRA vs. Traditional IRA: Which is Better for Retirement Savings? - 558
McDreamy Dempsey wants to know if converting to Roth in the 37% tax bracket ever makes sense, and Gary in La Crosse warns Joe Anderson, CFP® and Big A...
UGMA, 529, HSA, RMD, and Inherited IRA Tax Bombs Defused - 557
Joe Anderson, CFP® and Big Al Clopine, CPA are defusing some confusing tax time bombs today on Your Money, Your Wealth® podcast number 557. George in...
Roth Conversions vs. 0% Capital Gains Rate: a Retirement Tax Trap? - 556
Joe Anderson, CFP® and Big Al Clopine, CPA spitball Roth conversions, capital gains, and retirement readiness from every angle, today on Your Money, Y...
Retiring Before Social Security? Consider These Portfolio Changes - 555
Joe Anderson, CFP® and Big Al Clopine, CPA spitball withdrawal strategies, Roth conversion timing, and saving priorities for every stage of life, toda...
Change of Roth Plans for the New Senior Tax Bonus? Tax-Loss Wins? - 554
Should the new temporary senior tax deduction change your Roth conversion strategy? Joe and Big Al spitball for Chris in Maple Grove, Minnesota, who w...
Should You Convert to Roth Before or After You Retire? - 553
Joe Anderson, CFP® and Big Al Clopine, CPA tackle one of the trickiest timing questions in retirement planning, today on Your Money, Your Wealth podca...
Don’t Let Money Anxiety Ruin Your Retirement - 552
Joe Anderson, CFP® and Big Al Clopine, CPA tackle the fears that mess with even the best-laid financial plans, today on Your Money, Your Wealth® podca...
Where Should You Take Retirement Money First If You’ve Saved $2M? - 551
We're playing "which comes first" today on Your Money, Your Wealth® podcast number 551 with Joe Anderson, CFP® and Big Al Clopine, CPA. "Retired G-Man...
Is Your Roth Conversion Timing All Wrong? (Financial Blunders) - 550
Joe and Big Al spitball on how to avoid screwing up the timing of your Roth conversions, today on Your Money, Your Wealth® podcast number 550. Barrie...
What Retiring With $6 Million Really Looks Like - 549
Today on Your Money, Your Wealth® podcast number 549 with Joe Anderson, CFP® and Big Al Clopine, CPA, a comment on one of our YouTube videos sparks a...
Is Financial Software Giving You False Retirement Confidence? - 548
Wendy and Joe in Colorado ran the numbers, and their financial planning software says they'll have over $10 million when they pass. Wendy's wondering...
Roth Conversions: When to Make 'Em, When to Take 'Em - 547
A YMYW listener from Missouri and his wife are retired at 69 and 67, with less than $2 million dollars. Should they continue converting retirement sav...
How to Accomplish Your Retirement Goals - Even Without a Fat Wallet - 546
We heard your feedback, and today on Your Money, Your Wealth® podcast number 546, Joe Anderson, CFP® and Big Al Clopine, CPA are spitballing retiremen...
What The New Law Means For Your Roth IRA! - 545
One Big Beautiful Bill is now law. How does it impact your Roth conversion strategies and other financial decisions? Plus, you may have seen or heard...
What's the Tax Triangle and How to Find Out if Yours is Lopsided - 544
You've heard Joe and Big Al talk about the benefits of tax diversification in retirement. That is, having money in tax-deferred, tax-free, and taxable...
Can You Retire at Age 57 and Spend Big? - 543
Is it possible, common even, to spend a lot early in retirement to celebrate your financial freedom? How do Roth conversions and withdrawals work if y...
Are You Cutting Retirement Too Close? - 542
"Rubble and Skye" in Minnesota want to spend $65,000 a year in retirement, and they'll have $67K in annual fixed income. Are they cutting it too close...