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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 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.com

Copyright: © Pure Financial Advisors, LLC

Latest Episodes:

Retire Early Without Pinching Pennies - 211 Mar 05, 2019

Show notes

Tanja Hester (OurNextLife.com, award-winning financial independence blog) talks about her new book, Work Optional: Retire Early the Non-Penny-Pinching Way. Joe and Big Al answer questions about whether kids will inherit a Roth IRA tax-free, the rules around a traditional IRA rollover, investing in a Vanguard target date fund, and where to safely invest for growth. Transcript and show notes: http://bit.ly/YMYW-211

"Hold It" Until You're Purple to be a Better Investor - 210 Feb 26, 2019

Show notes

Behavioral finance expert Dr. Daniel Crosby talks about his latest book, The Behavioral Investor and cracks us up with stories of how "having to go" and other physiological, sociological, and psychological factors influence our investing choices. Plus, Joe and Big Al answer money questions about ACA subsidies and Roth conversions, strategies for reducing the tax burden on 1099 income to zero, and donating a required minimum distribution to multiple charities. Transcript and show notes: http://bit.ly/YMYW-210

Are These Two Funds the Only Ones You Need for Life? - 209 Feb 19, 2019

Show notes

Nationally recognized investing expert Paul Merriman makes the case that owning just two funds for life is a "home-run" investing strategy for some investors. Plus, Joe and Big Al answer your money questions: how should teachers, and others without Social Security or pension, save for retirement? How do you record flexible spending account contributions on your taxes? How long should you keep your tax records? And of course, this wouldn't be YMYW without some talk about Roth IRAs - specifically, making Roth conversions and back door Roth contributions. Transcript & show notes: http://bit.ly/YMYW-209

Spousal Social Security Claiming Strategies You Need to Know - 208 Feb 12, 2019

Show notes

Did you know there are over 2,700 rules governing Social Security benefits? File and suspend vs restricted claim... the list goes on! Mary Beth Franklin (InvestmentNews contributing editor, "The Goddess of Social Security") goes deep on spousal Social Security claiming strategies after Joe, Big Al and Andi tackle a couple Social Security disability and spousal benefits questions on their own. Mary Beth caps also explains the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). Transcript & show notes: http://bit.ly/YMYW-208

This Myth is the #1 Barrier to Financial Freedom - 207 Feb 05, 2019

Show notes

Grant Sabatier (author, Financial Freedom) share some of the steps that led him from $2.26 in the bank to over a million bucks in just 5 years, and the myth that he believes is the #1 barrier keeping the rest of us from achieving the same thing. Plus, a conversation about Senator Elizabeth Warren's wealth tax proposal, Joe and Big Al answer a question about keeping taxes in mind as part of an investing strategy, and a look at the complete disaster that was the Fyre Festival. Transcript and show notes: http://bit.ly/YMYW-207

How to Avoid the Five Horsemen of the Retirement Apocalypse - 206 Jan 29, 2019

Show notes

Larry Swedroe (Buckingham Strategic Wealth) talks about his 16th book, Your Complete Guide to a Successful and Secure Retirement, the two biggest retirement mistakes, and what Larry calls the five horsemen of the retirement apocalypse. Plus, is there a way to consolidate your investment portfolio before you retire and avoid paying capital gains tax? Also, dancing to stave off dementia, the world of golf, and China and Brexit news - but probably not what you're expecting. Transcript and show notes: http://bit.ly/YMYW-206

5 Key Attributes That Make Millionaires Successful - 205 Jan 23, 2019

Show notes

Chris Hogan of Ramsey Solutions talks about his brand new book, Everyday Millionaires: How Ordinary People Built Extraordinary Wealth – and How You Can Too. Joe and Big Al answer your money questions: do the stretch IRA rules apply to 401(k)s? Do you need to get an annual property appraisal if you own real estate in a self-directed IRA? And what is the best strategy for saving into retirement accounts and making Roth IRA conversions? Plus, a tribute to Jack Bogle of Vanguard, and a look at states' efforts to develop financially literate high school students. Transcript and show notes: http://bit.ly/YMYW-205

Liz Ann Sonders: Recession Inevitable, the Question is When? - 204 Jan 15, 2019

Show notes

Liz Ann Sonders (Chief Investment Strategist, Charles Schwab & Co.) provides insight on what happened in the market in 2018 and her outlook for 2019. Liz Ann discusses the causes of recent market volatility, the Fed funds rate, the possibility of a recession in 2019 and what investors should do now. Plus, Joe and Big Al answer your email questions: If you're saving 55% of your income, should you keep saving or have more fun? Should you save for kids' college or your own retirement? Isn't deciding when to take Social Security a lifestyle choice? Finally, a look at how the gurus fared with their 2018 market predictions. Transcript & show notes: http://bit.ly/YMYW-204

Sex and Immigration: How Do They Affect Social Security? - 203 Jan 08, 2019

Show notes

Devin Carroll (Big Picture Retirement podcast, Social Security Intelligence blog) explains how sex could save Social Security and the surprising effect that immigration has on your benefits. Joe and Big Al answer your money questions: How should I diversify from a single highly appreciated asset? They discuss charitable remainder trusts, life insurance trusts, and the collar strategy. Plus, one of the most common questions: will I outlive my money in retirement? Transcript and show notes: http://bit.ly/YMYW-203

4 Simple Ways to Keep Your New Year's Resolutions - 202 Jan 01, 2019

Show notes

Marcus Garrett from Paychecks and Balances and author of Debt Free or Die Trying: How I Buried Myself in Over $30,000 in Debt and Dug My Way Out by Age 30 tells us the four simple actions he takes to make his New Years resolutions stick. Plus, Joe and Big Al answer your money questions: Do I owe taxes on a property gifted to me? Why would I use a financial advisor? And what are the small business owner limits on Roth and 401(k) contributions? Happy New Year from Your Money, Your Wealth®! Transcript and show notes: http://bit.ly/YMYW-202

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