Your Money, Your Wealth

Latest Episodes:

When Should You Take Social Security? (Don't Screw This Up) - 574 Mar 24, 2026

Show notes

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 Wealth® podcast number 574. Bijou Plutus and her husband in Massachusetts are 62 and 64 with about a million dollars. Can she retire at 65, and should he claim Social Security early? Dr. Jekyll and Mrs. Hyde in the Twin Cities have about the same at 51 and 49, plus big pensions and high spending. Can they afford to retire early, and when should they claim Social Security? Diggler and Roller Girl in Tennessee are 57 and 58 with about $600K, and Diggler estimates his Social Security break-even is at age 77. Can he collect Social Security early and simply work recreationally?

Free Financial Resources in This Episode:

https://bit.ly/ymyw-574 (full show notes & episode transcript)

Social Security Handbook - free download:

https://purefinancial.com/white-papers/social-security-handbook/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-574

Tax-Free Retirement Guide - free download:

https://purefinancial.com/white-papers/tax-free-retirement-guide/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-574

How To Retire Tax-Free With A Smart Income Plan - YMYW TV:

https://purefinancial.com/ymyw/episodes/how-to-retire-tax-free-smart-income-plan/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-574

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:

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https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254

Chapters:

00:00 - Intro: This week on the YMYW Podcast

01:07 - 62 and 64 with About $1M. Can I Retire at 65? Should Hubby Claim Social Security Early? (Bijou Plutus, MA)

11:52 - Can We Retire in Our 50s With Pensions and High Spending? (Dr. Jekyll & Mrs. Hyde, Twin Cities, MN)

29:53 - Social Security Break-Even at 77. Claim Early and Work Recreationally? (Diggler & Rollergirl, 57 & 58, Tennessee)

42:52 - Outro: Next Week on the YMYY Podcast

Could You Retire Tomorrow If You Had To? - 573 Mar 17, 2026

Show notes

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:

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Connect With Us:

Subscribe on YouTube and join the conversation in the comments:

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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

Could You Lose Half Your Retirement Income to Taxes? - 572 Mar 10, 2026

Show notes

"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

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

Show notes

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

Retirement Planning for Aging Parents - and Can You Retire Early? - 570 Feb 24, 2026

Show notes

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 about how to support Mom and Dad if their money runs out. Can he build some kind of financial safety net for them without ruining his own retirement? Jemma's 82-year-old mom is drawing down her portfolio. Is locking in guaranteed income with an annuity a smart move, or could that create new problems down the road? Plus, "Cookie and Gerry" want to walk away from work before 50 with a big brokerage account and a pension. Are they positioned correctly? How can they avoid pulling the wrong levers at the wrong time? And "Fred and Wilma" are staring at a potential multi-million-dollar ESOP payout. What levers do they need to pull so they can retire at 46 and shout "Yabba Dabba Doo"?

Free Financial Resources in This Episode:

https://bit.ly/ymyw-570 (full show notes & episode transcript)

10 Steps to Improve Investing Success - free download

What to Do When the Stock Market Gets Crazy - YMYW TV

Financial Blueprint (self-guided)

Financial Assessment (Meet with an experienced professional)

REQUEST your Retirement Spitball Analysis

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Connect With Us:

YouTube: Subscribe and join the conversation in the comments

Podcast apps: subscribe or follow YMYW in your favorite

Apple Podcasts: leave your honest reviews and ratings

Chapters:

00:00 - Intro: This Week on the YMYW Podcast

00:57 - Can I Afford to Be My Parents' Retirement Plan? (Daniel, Texas)

07:07 - Will an Annuity Really Save Mom From Running Out of Money? (Jemma)

15:07 - Can We Retire in Our Early 50s With a Pension and a $190K Spend? (Cookie and Gerry)

30:39 - Can We Retire Early at 46 With a $4M ESOP and a $210K Spend? (Fred and Wilma, CA)

44:23 - Outro: Next Week on the YMYW Podcast

Retirement Changes at These 5 Major Financial Crossroads - 569 Feb 17, 2026

Show notes

When you're standing at a major financial crossroads, the timing of your decisions can mean the difference between success and failure. Joe Anderson, CFP® and Big Al Clopine, CPA spitball on the "when" of five retirement decisions, today on Your Money, Your Wealth podcast number 569. We'll kick things off with a whale of an email: "Fine and Dandy" is 42 years old with a multimillion dollar private equity offer on the table. Should he sell his business now or hold out for a second bite of the apple later? He also wonders if it's crazy to spend more on his vacation home than on his primary residence. David calls himself an "elderly orphan," flying solo at 66 and in need of a plan to protect his million-dollar portfolio as he ages. BB and Shell are trying to time their final year of retirement contributions to save as much as possible before moving to a lower-tax state. Should they go Roth IRA or traditional? Joel wonders when to take required minimum distributions from retirement accounts for the maximum tax benefit, and Brian in New York needs a spitball on when it makes sense to have an emergency fund as a retiree, and for how much.

Free Financial Resources in This Episode:

https://bit.ly/ymyw-569 (full show notes & episode transcript)

Growing Your Wealth Guide - free download

Retirement Readiness Guide - free download

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

Financial Blueprint (self-guided)

Financial Assessment (Meet with an experienced professional)

REQUEST your Retirement Spitball Analysis

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Connect With Us:

YouTube: Subscribe and join the conversation in the comments

Podcast apps: subscribe or follow YMYW in your favorite

Apple Podcasts: leave your honest reviews and ratings

Chapters:

00:00 - Intro: This Week on the YMYW Podcast

01:09 - Should I Sell My Business or Wait? Is It Crazy to Spend More on My Vacation Home Than My Primary Residence? (Fine and Dandy, IL)

20:48 - Saving to Roth IRA vs Traditional IRA in the Final Year Before Retirement (BB and Shell)

23:50 - When to Take Your First RMD for the Maximum Tax Benefit (Joel, CA)

27:33 - Aging Alone in Retirement: How to Protect Assets Before Cognitive Decline (David, 68, Logan, NM)

35:37 - Why Some CPAs Cap Roth Conversions at $500K AGI (Shweta, CA)

37:05 - When Does It Make Sense for Retirees to Have an Emergency Fund - and How Much? (Brian, Albany, NY)

42:03 - Outro - Next Week on the YMYW Podcast

Tax-Smart Investing at Every Age: Starting Young or Catching Up - 568 Feb 10, 2026

Show notes

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 financial nerds in Omaha are already strong savers, but they're wondering whether a simple "VOO for life" strategy is enough to help them reach multimillionaire status in retirement. Also, Janine retired unexpectedly. Can her remaining savings support a European retirement lifestyle? From Jonas Grumby's "glitch in the matrix" tax strategy to the potential tax nightmare of Dolly's literal sack of inherited gold coins, today on Your Money, Your Wealth® podcast 568, Joe Anderson, CFP® and Big Al Clopine, CPA. spitball on how folks from different generations with different situations can reach the same ultimate goal: positioning assets today to ensure the most tax-free wealth tomorrow. Plus, the fellas spitball on the "double taxation" trap of retirement plan loans for Pete in North Carolina, and the affordability of 50-year mortgages for Semper Fi in Michigan.

Free Financial Resources in This Episode:

https://bit.ly/ymyw-568 (full show notes & episode transcript)

Why Asset Location Matters - free guide

All About Asset Location - more free resources

15 Maneuvers to Duck an Unplanned Early Retirement Knockout - YMYW TV

Financial Blueprint (self-guided)

Financial Assessment (Meet with an experienced professional)

REQUEST your Retirement Spitball Analysis

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Connect With Us:

YouTube: Subscribe and join the conversation in the comments

Podcast apps: subscribe or follow YMYW in your favorite

Apple Podcasts: leave your honest reviews and ratings

Chapters:

00:00 - Intro: This Week on the YMYW Podcast

01:05 - After-Tax 401(k) Catch-Ups vs Taxable Investing (John Q Taxpayer)

06:16 - Forced Early Retirement: Social Security and Roth Conversion Timing? (Janine, Bothell, WA)

11:30 - Are 50-Year Mortgages Actually Affordable? (Semper Fi, Stevensville, MI)

17:59 - 401(k) Loan vs Mortgage Payoff (Pete, NC)

21:27 - Can You Manufacture a Step-Up in Basis? (Jonas Grumby, The Colony, TX)

25:03 - Inherited Gold Coins and Capital Gains Taxes (Dolly, 63, TN)

29:35 - Spitball for Young Investors Who Don't Have Millions (Young Financial Nerds, Omaha, NE)

42:13 - Outro: Next Week on the YMYW Podcast

Rising Costs and Retirement Unknowns? Here's What to Do - 567 Feb 03, 2026

Show notes

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 pension option is best for their early retirement plans? Long-term care insurance premiums are going up endlessly for Eloise in Connecticut. Is she walking into an insurance industry trap? How do Eric and Tami in Baton Rouge help their kids with college without blowing up their own retirement, and when do student loans make sense? Finally, should Lana and Sterling harvest capital gains or prioritize Roth conversions before moving to a much higher-tax state? The basic question in all of these is the same: how do you protect your future from rising costs and unknowns that are out of your control? We'll find out what it takes, today on Your Money, Your Wealth podcast number 567.

Free Financial Resources in This Episode:

https://bit.ly/ymyw-567 (full show notes & episode transcript)

Key Financial Data Guide - free download

Retirement Panic Button: 7 Ways to Avoid Hitting It - YMYW TV

Financial Blueprint (self-guided)

Financial Assessment (Meet with an experienced professional)

REQUEST your Retirement Spitball Analysis

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Connect With Us:

YouTube: Subscribe and join the conversation in the comments

Podcast apps: subscribe or follow YMYW in your favorite

Apple Podcasts: leave your honest reviews and ratings

Chapters:

00:00 - Intro: This Week on the YMYW Podcast

00:55 - Pre-Tax vs. Late Roth Savings? Pension Lump Sum vs. Lifetime Income in Early Retirement? (Al & Peggy, Illinois)

14:14 - Should I Drop Long-Term Care Insurance Now at Age 70? (Eloise, Connecticut)

20:41 - College Costs vs Retirement Security for Parents (Tami & Eric, Baton Rouge, LA)

35:59 - Roth Conversions or Capital Gains Before Moving to a High Tax State? (Lana & Sterling, Nebraska)

48:14 - Next Week on the YMYW Podcast

High Net Worth Pre-Retirees Share Their Biggest Fear (Here's How to Calm It) - 566 Jan 27, 2026

Show notes

"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 million saved, but they still lie awake wondering if it's enough for their high-expense life. "Tony and Carmela" are in a similar boat with millions saved at 61 and 59, but they're worried their asset allocation won't get them through their retirement. No matter the numbers, the fears sound exactly the same: will you run out of money in retirement? Turns out overcoming that fear is not about hitting a magic number. We'll find out what it's all about today on Your Money, Your Wealth podcast number 566 with Joe Anderson, CFP®, and Big Al Clopine, CPA. The fellas also spitball Roth conversions, long/short direct indexing capital gains tax strategies for "Juicy Squeeze", working after retirement for Wendi, and how one confusing word can completely change a retirement timing decision for "Jacques and Johana."

Free Financial Resources in This Episode:

https://bit.ly/ymyw-566 (full show notes & episode transcript)

Withdrawal Strategy Guide - free download

Financial Blueprint (self-guided)

Financial Assessment (Meet with an experienced professional)

WATCH 6 Signs You Truly Have "Enough" For Retirement on YMYW TV

REQUEST your Retirement Spitball Analysis

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Connect With Us:

YouTube: Subscribe and join the conversation in the comments

Podcast apps: subscribe or follow YMYW in your favorite

Apple Podcasts: leave your honest reviews and ratings

Chapters:

00:00 - Intro: This Week on the YMYW Podcast

01:01 - 43 With $850K. Am I Too Late to Build Enough Roth Money? (Mr & Mrs Smith, Dallas, TX)

11:29 - Nearly $7M Saved at 58 and 64. Do We Have Enough for a High-Spend Retirement? (Lucy & Desi, Jersey Shore, NJ)

23:38 - 61 and 59 With $4.5M Saved. Can I Retire Now With a 50/50 Portfolio? (Tony & Carmela, San Ramon, CA)

32:09 - Mid-50s with $685K Saved. Can One Spouse Retire While the Other Works? (Jacques & Johana, Florida)

38:53 - Are Long-Short Direct Indexing Tax Strategies Worth the Fees? (Juicy Squeeze)

47:04 - Should I Work as an Employee or Contractor After 70 on Social Security? (Wendi)

52:04 - Outro: Next Week on the YMYW Podcast

48 and Worried About Early Retirement? This Changes the Math - 565 Jan 20, 2026

Show notes

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 Clopine, CPA walk through the Rule of 55, 72(t)s, and the psychological reality of spending down a taxable account, today on Your Money, Your Wealth® podcast number 565. Alexei and Anna are high earners in their mid-20s who want to save aggressively and keep taxes low. Which retirement accounts should they prioritize, and can they afford a downpayment on a house? Jay and Gloria are wrestling with the classic question of whether to save to Roth or traditional 401(k), especially since their state doesn't tax retirement income. Is taking the deduction now and backdooring Roths the smarter move? Plus, Sleepless in Seattle wants to know, can her 28-year-old daughter afford to buy a condo in a high-cost housing market? Finally, Jennifer in Texas wonders how to invest and withdraw an inherited IRA over the 10-year rule with the least tax damage.

Free Financial Resources in This Episode:

https://bit.ly/ymyw-565 (full show notes & episode transcript)

The Last 5 Years Before Retirement Will Decide Your Lifestyle - Here's How - YMYW TV

Guides:

Blogs:

Financial Blueprint (self-guided)

Financial Assessment (Meet with an experienced professional)

REQUEST your Retirement Spitball Analysis

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter