『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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  • Can You Retire with $1M at 42? The Early Retirement Lie - 598

    Can You Retire with $1M at 42? The Early Retirement Lie - 598
    2026/09/08

    Schedule a Free Financial Assessment with an experienced professional:

    https://bit.ly/YMYWassessC

    Today on Your Money, Your Wealth® podcast 598, Joe Anderson, CFP® and Big Al Clopine, CPA spitball early retirement planning for Shua in Phoenix, who has a million dollars saved at age 42. Can he stop saving right now, coast until age 55, and still spend $170,000 a year in retirement? But first, Michael in Texas is a stay-at-home dad who does the stock market. His wife wants out of her job at age 47. Will their $5 million last through retirement? And then Homer and Marge in North Carolina make 640K in sales and want to spend up to 25K a month, and Seth in Illinois wants to retire at 58 on a pension and a Roth. Some of these plans work and some of ‘em aren't even close.

    Free Financial Resources in This Episode:

    https://bit.ly/ymyw-598 (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-ep598-description-whitepaper

    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-ep598-description-whitepaper

    10 Assumptions Pre-Retirees Get Wrong About Retirement - YMYW TV:

    https://purefinancial.com/ymyw/episodes/10-assumptions-pre-retirees-get-wrong-about-retirement/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep598-description-tv-s12e07

    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

    00:52 - Wife Wants to Retire at 47. What Are We Missing? (Michael, TX)

    14:03 - $3M Saved, $640K Income: Can We Retire at 50? (Homer & Marge, Northern California)

    21:19 - Pension + $1.45M: Can I Retire at 58 and Spend $11K a Month? (Seth, North Central IL)

    26:51 - Can We Stop Saving Now at 42 and 45 and Still Retire at 55? (Shua, Phoenix, AZ)

    36:07 - Outro: Next Week on the YMYW Podcast

    37:19 - The Derails: Big Al Canoeing on the Russian River
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    40 分
  • We Have $12 Million. Should We Do Roth Conversions? - 597

    We Have $12 Million. Should We Do Roth Conversions? - 597
    2026/09/01

    Schedule a Free Financial Assessment with an experienced professional:

    https://bit.ly/YMYWassessC

    Joe Anderson, CFP® and Big Al Clopine, CPA are spitballing Roth conversions from every angle today on Your Money, Your Wealth® podcast number 597. John in Oklahoma is 75, sitting on a million dollars in traditional IRAs, and he's got a whole list of reasons NOT to convert to Roth. Is he right? Is it worth it as part of his retirement strategy? Jonathan and Jennifer in Phoenix have over six million dollars in tax-deferred accounts. How much should they convert, and where should they stop? J and C in Hawaii are both 38 and want to walk away from work at 55. How do they bridge the gap? And finally, are Bonnie and Clyde working for nothing if it all just turns into a giant tax bill?

    Free Financial Resources in This Episode:

    https://bit.ly/ymyw-597 (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-ep597-description-whitepaper

    Ultimate Investing Guide - free download:

    https://purefinancial.com/white-papers/the-ultimate-investing-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-ultimate-investing-guide&utm_content=ymyw-pod-ep597-description-whitepaper

    Once Retirees See This Data, They Stop Worrying About Investing - YMYW TV:

    https://purefinancial.com/ymyw/episodes/once-retirees-see-this-data-they-stop-worrying-about-investing/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep579-description-tv-s12e03

    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

    00:55 - Roth at 75: Does the Math Actually Work? (John, OK)

    10:03 - 12M and Still Worried About Taxes: Roth Conversion Spitball (Jonathan & Jennifer, Phoenix AZ)

    16:47 - Retiring at 55 in Hawaii: When Do We Start the Taxable Account? (J & C, Hawaii)

    27:26 - Am I Just Working to Create a Bigger Tax Problem? (Bonnie & Clyde)

    34:20 - Outro: Next Week on the YMYW Podcast

    36:53 - The Derails: Hart to Hart, Minutiae, and Levels of Fame
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    41 分
  • 4 Retirement Questions That Expose Real Money Risks - 596

    4 Retirement Questions That Expose Real Money Risks - 596
    2026/08/25

    Schedule a Free Financial Assessment with an experienced professional:

    https://bit.ly/YMYWassessC

    Each of the questions Joe Anderson, CFP® and Big Al Clopine, CPA are spitballing today on Your Money, Your Wealth® podcast 596 has a real retirement risk attached to it. Philip and Elizabeth in DC have $7M. Philip's dying to quit a job he hates, but he's loading up on bonds to protect the nest egg. At 56, could playing it too safe be his real risk? Mr. Mojo Risin wants to retire in three years, but $1.7M of his nest egg is riding on one stock, and he needs a good CPA to help defuse it. BB and Shell got pitched a slick new AI crypto investment promising 15% a month. Too good to be true? And Huggy Bear in New Hampshire has $450K in cash value life insurance. Should he grab it now, or wait 20 years until he’s 80?

    9th Annual YMYW Podcast Survey (password ymyw):

    https://www.surveymonkey.com/r/ymywpodcast2026/

    The Ultimate Investing Guide - free download:

    https://purefinancial.com/white-papers/the-ultimate-investing-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-ultimate-investing-guide&utm_content=ymyw-pod-ep596-description-whitepaper

    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-ep596-description-whitepaper

    Retire at 62: Great Idea or Huge Mistake? - YMYW TV:

    https://purefinancial.com/ymyw/episodes/retire-at-62-great-idea-or-huge-mistake/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep596-description-tv-s11e14

    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

    01:03 - We Have $7M and I Hate My Job. Why Am I Still Here? (Philip & Elizabeth, Washington DC)

    10:20 - Retiring in 3 Years, $1.7M in One Stock. Where's the CPA for This? (Mr. Mojo Risin, GA)

    19:33 - Is This AI Crypto Investment With 15% Monthly Return Too Good to Be True? (BB & Shell)

    28:48 - Cash Out $450K in Life Insurance or Wait Until 80? (Huggy Bear, New Hampshire)

    39:28 - Outro: Next Week on the YMYW Podcast

    40:58 - The Derails: The Americans, Mr. Mojo Risin
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    44 分
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