『Your Money, Your Wealth』のカバーアート

Your Money, Your Wealth

Your Money, Your Wealth

著者： Joe Anderson CFP® & Alan Clopine CPA of Pure Financial Advisors
無料で聴く

概要

 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 個人ファイナンス 経済学
エピソード
  • Could You Retire Tomorrow If You Had To? - 573

    Could You Retire Tomorrow If You Had To? - 573
    2026/03/17
    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 divorced, yikes - but does the math still work? That's today on Your Money, Your Wealth® podcast number 573. But first, "Reuben Sailing Shoes" is 68, single, retired, and has $1.6 million saved, but he's never had a budget in his life. How much can he actually spend? "Leslie and Ben" are federal retirees in their seventies with great pensions and a mix of pre-tax and Roth savings, and "Mork and Mindy" in Delaware are retired with an annuity, a pension, Social Security, and $1.3 million in an IRA. Joe Anderson, CFP® and Big Al Clopine, CPA spitball on how Roth conversions and RMD timing can help both couples minimize taxes and make the most of what they've got. Free Financial Resources in This Episode: https://bit.ly/ymyw-573 (full show notes & episode transcript) Complete Roth Papers Package - free download: https://purefinancial.com/white-papers/the-complete-roth-papers-package/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-573 Retirement Course: Can You Hit a Hole in One? With PGA Pro Chris Riley - YMYW TV: https://purefinancial.com/ymyw/episodes/retirement-course-hole-in-one-pga-pro-chris-riley/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-573 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 01:04 - How Much Can a Single 68-Year-Old Retiree With $1.6M(?) Spend Without Running Out of Money? (Reuben Sailing Shoes, Wyoming) 08:38 - 72 and 76 With $1.4M. Should We Keep Doing Roth Conversions After RMDs Start? (Leslie and Ben, Ohio) 17:12 - 71 and 73 With $1.73M. How to Balance Roth Conversions, RMDs, Widow Taxes, and Inheritance Goals? (Mork and Mindy, Delaware) 28:28 - 49 and 48 with $2.2M. If I Get Fired, Quit, or Get Divorced Tomorrow, Will We Be Fine? (Juan & Mary, Brooklyn, NY) 39:20 - Outro: Next Week on YMYW Podcast
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    40 分
  • Could You Lose Half Your Retirement Income to Taxes? - 572

    Could You Lose Half Your Retirement Income to Taxes? - 572
    2026/03/10
    "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 Clopine, CPA spitball on whether this is a smart tax move or unnecessary complexity - and whether they would do it themselves, today on Your Money, Your Wealth® podcast number 572. Plus, Tyrone and Tova think they may never even need their retirement accounts, so do they really need to bother with Roth conversions if the kids are going to inherit the money anyway, or could skipping the conversions mean losing half their retirement income to taxes? Mark in San Diego is juggling Roth conversions and Social Security timing without blowing up his tax bill, or the income-related monthly adjustment amount for Medicare, or net investment income tax. And "Boat Drinks" has a big non-qualified deferred compensation plan. How can he structure payouts before it turns into a tax nightmare - and before he potentially gets laid off? Free Financial Resources in This Episode: https://bit.ly/ymyw-572 (full show notes & episode transcript) The Emotionless Investing Guide - free download https://purefinancial.com/white-papers/emotionless-investing-guide/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-572 The Ultimate Guide to Roth IRAs - free download https://purefinancial.com/white-papers/roth-ira-white-paper/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-572 The Truth About Your Love/Hate Relationship with Money - YMYW TV https://purefinancial.com/ymyw/episodes/truth-about-love-hate-relationship-with-money/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-572 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 01:12 - Should Investors with $8M Use a 130/30 Long-Short Investing Strategy? (Carl Sandburg and Jane Addams, California) 12:42 - We'll Never Need Our Retirement Accounts. Should We Still Do Roth Conversions? (Tyrone and Tova) 27:18 - Roth Conversions vs. Social Security: Which Comes First? What About IRMAA and NIIT? (Mark, California) 38:16 - How to Structure Non-Qualified Deferred Compensation Payouts When a Layoff Might Be Coming? (Boat Drinks) 50:10 - Outro: Next Week on the YMYW Podcast
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    51 分
  • Retire Early in Your 40s or 50s: Green Light or Reality Check? - 571

    Retire Early in Your 40s or 50s: Green Light or Reality Check? - 571
    2026/03/03

    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. Joe Anderson, CFP® and Big Al Clopine, CPA spitball five different early retirement plans to see whose numbers are tight and who is ready to go for it, today on Your Money, Your Wealth® podcast 571. George in South Carolina wants to retire in 8 years at 53. Does he have enough in his brokerage account to bridge the gap to Social Security? Joe in Massachusetts is saving a staggering $200,000 a year, but will his high-spending lifestyle make a multi-million dollar nest egg look small? The fellas help 26-year-old Jonathan in Florida map out a path to retire in his 40s using his 457 plan, and they spitball on whether early exit strategies for both Kris and Rojo in California are a "green light" or a reality check. Plus, Joe explains why the "Rule of 55" and Roth conversions might be some of the most important tools in your early retirement toolbox.

    Free Financial Resources in This Episode:

    https://bit.ly/ymyw-571 (full show notes & episode transcript)

    Withdrawal Strategy Guide - free download:

    https://purefinancial.com/white-papers/withdrawal-strategy-guide/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-571

    Long-Term Care Planning Guide - free download:

    https://purefinancial.com/white-papers/long-term-care-planning-options/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-571

    The #1 Spending Mistake Ruining Retirements - YMYW TV:

    https://purefinancial.com/ymyw/episodes/number-one-spending-mistake-ruining-retirements/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-571

    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 - Is Retiring at 53 With No Pension a Smart Move or a Risky Bet? (George, South Carolina)

    11:59 - High Income, High Spend, Early Retirement: Does the Math Still Work? (Joe, MA)

    18:39 - At 26, Should I Go All In on a 457 to Retire Way Early? (Jonathan, Florida)

    26:41 - Can I Retire Early and Still Cover Health Care and Long Term Care Costs? (Kris, California)

    33:33 - I'm a Widowed Parent. Can I Retire at 57 and Still Fund College and Legacy Goals? (Rojo, California)

    43:08 - Outro: Next Week on the YMYW Podcast
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    45 分
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