『Your Money, Your Wealth』のカバーアート

Your Money, Your Wealth

Your Money, Your Wealth

著者： Your Money Your Wealth
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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 政治・政府 経済学
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  • Got a Pre-Tax Fortune? Nobody Warns You About the Retirement Tax Bomb - 590

    Got a Pre-Tax Fortune? Nobody Warns You About the Retirement Tax Bomb - 590
    2026/07/14

    Schedule a Free Financial Assessment with an experienced professional:

    https://bit.ly/YMYWassessC

    Today on Your Money, Your Wealth® podcast 590, Joe Anderson, CFP® and Big Al Clopine, CPA spitball for people with a small fortune sitting in pre-tax accounts turning into a tax bomb. We’ll find out how Roth conversions and careful tax liability management can optimize their retirement income strategy. Eric in California is 72 with nearly four million dollars in pre-tax accounts. How much should he transfer in Roth conversions? Is borrowing against his own house to pay the tax bill brilliant or bonkers? Rick and Kiani hoping they can quit sooner than they think. Mike just hit full retirement age. Should he claim Social Security benefits now or wait until age 70? And finally, Jeff wants to walk away at 59 with a roadmap for aggressive Roth conversions, assuming the tax cliff doesn't get him first.

    Free Financial Resources in This Episode:

    https://bit.ly/ymyw-590 (full show notes & episode transcript)

    Retirement Accounts Guide - free download:

    https://purefinancial.com/white-papers/retirement-accounts-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-retirement-accounts-guide&utm_content=ymyw-pod-ep590-description-whitepaper

    Financial Blueprint (free, self-guided):

    https://purefinancial.com/financialblueprint/?utm_source=captivate&utm_medium=podcast&utm_campaign=financial-blueprint&utm_content=ymyw-pod-ep590-description-blueprint

    Retirement Checklist: Check Off These 7 Things Before You Retire - YMYW TV:

    https://purefinancial.com/ymyw/episodes/retirement-checklist-check-off-these-7-things-before-you-retire/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep590-description-tv-s12e05

    REQUEST your Retirement Spitball Analysis:

    https://bit.ly/YMYWaskC

    DOWNLOAD more free guides:

    https://bit.ly/YMYWguidesC

    READ financial blogs:

    https://bit.ly/YMYWblogC

    WATCH educational videos:

    https://bit.ly/YMYWvidsC

    SUBSCRIBE to the YMYW Newsletter:

    https://bit.ly/YMYWnewsletterC

    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

    01:01 - $3.9M Pre-Tax at 72: How Do We Minimize Taxes Before RMDs Hit? (Eric, CA)

    11:13 - We’re on One Salary. Can We Retire at 62 With $1.7M and a $56K SS Benefit? (Rick & Kiani, Southern CA)

    23:16 - Just Hit Full Retirement Age. Should I Delay Social Security or Start Now? (Mike, 66, NV)

    31:04 - Retiring With $4M and a Roth Conversion Roadmap at Age 59. Does Our Plan Hold Up? (Jeff & Amber, 55, Orlando, FL)

    44:54 - Outro: Next Week on the YMYW Podcast
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    45 分
  • Retirement Margin Loans: Is Buy, Borrow, Die Worth the Risk? - 589

    Retirement Margin Loans: Is Buy, Borrow, Die Worth the Risk? - 589
    2026/07/07

    Schedule a Free Financial Assessment with an experienced professional:

    https://bit.ly/YMYWassessC

    The margin loan debate continues today on Your Money, Your Wealth® podcast number 589. Jack and Jill recently moved from the UAE to Australia and want a sanity check on using margin loans (AKA pledge loans) to build and live off their portfolio. Joe and Big Al spitball whether borrowing against stocks and never paying tax on the gains, the Buy Borrow Die strategy, is smart, or a fast way to blow yourself up. They also recap the spicy comments on the episode 585 margin loan discussion. Then the fellas flip the script for Forest and Jenni in Virginia: does a reverse glide path, investing conservatively now and getting more aggressive as you age, actually hold up? And finally, Jack and Diane in New Jersey are retiring this year, selling the house, and moving to Florida, so Joe and Big Al stress-test their Roth conversion plan before they pull the trigger. We're making fun of finance over here on YMYW, the financial planning podcast that won't put you to sleep. Tell a friend.

    Free Financial Resources in This Episode:

    https://bit.ly/ymyw-589 (full show notes & episode transcript)

    Withdrawal Strategy Guide - free download: https://purefinancial.com/white-papers/withdrawal-strategy-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-withdrawal-strategy-guide&utm_content=ymyw-pod-ep589-description-whitepaper

    Retirement Sabotage! 12 Post-Retirement Money Mistakes to Avoid - YMYW TV: https://purefinancial.com/ymyw/episodes/retirement-sabotage-12-post-retirement-money-mistakes-to-avoid/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep589-description-tv-s10e08

    Financial Blueprint (free, self-guided):

    https://bit.ly/YMYWblueprintC

    REQUEST your Retirement Spitball Analysis:

    https://bit.ly/YMYWaskC

    DOWNLOAD more free guides:

    https://bit.ly/YMYWguidesC

    READ financial blogs:

    https://bit.ly/YMYWblogC

    WATCH educational videos:

    https://bit.ly/YMYWvidsC

    SUBSCRIBE to the YMYW Newsletter:

    https://bit.ly/YMYWnewsletterC

    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

    01:53 - Margin Loans, Buy-Borrow-Die, and PFIC Risk: Sanity Check (Jack & Jill, Australia)

    13:11 - Why I Love Margin: NYC Tax Math (Bones1999, YouTube)

    14:29 - 8% Margin Loans to Buy Stocks: Bad Math! (Tom, YouTube)

    19:39 - Reverse Glide Path at Retirement: Does Starting Conservative Make Sense for Us? (Forest & Jenni, VA)

    35:43 - Retiring to Florida: SEP IRA Bridge, Home Sale Timing, and Roth Conversions (Jack & Diane, NJ)

    43:18 - Outro: Next Week on the YMYW Podcast
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    44 分
  • $500K Income, $900K Saved: Will FIRE at 55 Work? - 588

    $500K Income, $900K Saved: Will FIRE at 55 Work? - 588
    2026/06/30

    Schedule a Free Financial Assessment with an experienced professional:

    https://bit.ly/YMYWassessC

    Joe Anderson, CFP® and Big Al Clopine, CPA spitball for three people planning for early retirement and wondering, can I really pull this off? How much risk can you take, and how much do you really need to? That’s today on Your Money, Your Wealth® podcast 588. Dr. Kickass Seabass and his wife are both 41 and they got a late start on savings. Can they still hit FIRE - that is, financial independence, retire early - by 55? Get your salt shakers ready. Aang and Katara have military pensions and a big thrift savings plan. Should they invest it aggressively or play it safe over the next decade? Finally, Steph has a mandatory retirement at 56 but wants out even sooner, at age 50… if his wife Ayesha doesn't kill him first for quitting seven years before her.

    Free Financial Resources in This Episode:

    https://bit.ly/ymyw-588 (full show notes & episode transcript)

    Retirement Income Strategies Guide - free download:

    https://purefinancial.com/white-papers/retirement-income-strategies/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-retirement-income-strategies&utm_content=ymyw-pod-ep588-description-whitepaper

    Financial Planning at Every Age: Retirement Planning for Millennials, Gen-X & Baby Boomers - YMYW TV:

    https://purefinancial.com/ymyw/episodes/financial-planning-at-every-age-retirement-planning-millennials-gen-x-baby-boomers/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep588-description-tv-s10e7

    Retirement Readiness Guide - free download:

    https://purefinancial.com/white-papers/retirement-readiness-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-retirement-readiness-guide&utm_content=ymyw-pod-ep588-description-whitepaper

    Financial Blueprint (free, self-guided):

    https://bit.ly/YMYWblueprintC

    REQUEST your Retirement Spitball Analysis:

    https://bit.ly/YMYWaskC

    DOWNLOAD more free guides:

    https://bit.ly/YMYWguidesC

    READ financial blogs:

    https://bit.ly/YMYWblogC

    WATCH educational videos:

    https://bit.ly/YMYWvidsC

    SUBSCRIBE to the YMYW Newsletter:

    https://bit.ly/YMYWnewsletterC

    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

    01:00 - High-Earning Doc With a Late Start: Can I Actually FIRE at 55? (Kickass Seabass, NJ)

    13:39 - Military Pension + TSP: How Aggressive Should We Stay for the Next Decade? (Aang & Katara, VA)

    25:10 - Mandatory Retirement at 56, But Can I Punch at 50? (Steph & Ayesha, SF Bay Area)

    46:54 - Outro: Next Week on the YMYW Podcast
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    48 分
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