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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:

Roth Conversions vs. IRMAA, Using Retirement Funds to Pay the Mortgage, Retirement Spending Plan - 534 Jun 17, 2025

Show notes

Ralph and Alice in Monument, Colorado have $4.6 million dollars saved at ages 63 and 58. Should they do Roth conversions? How do they avoid IRMAA? Mary Jo in Escondido, California wonders if she should use her 403(b) money to pay off her mortgage. And Lucas plans to spend from his brokerage, then his 401(k), then his Social Security and pension when he retires in 20 years. What do Joe and Big Al think of his strategy? Find out today on Your Money, Your Wealth® podcast 534.

Free financial resources & episode transcript: https://bit.ly/ymyw-534

DOWNLOAD the Key Financial Data Guide

DOWNLOAD The Retirement Readiness Guide

Watch Is There a Formula for Retirement? on YMYW TV

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Timestamps:

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

00:55 - We're 63 and 58 With $4.6M Saved. Should We Do Roth Conversions? Can We Avoid IRMAA? (Ralph & Alice, Monument, CO - voice)

11:51 - Watch Is There a Formula for Retirement? on YMYW TV, Download The Retirement Readiness Guide for free

12:59 - Should I Use My 403(b) Pay Off My Mortgage? (Mary Jo, Escondido)

16:48 - Brokerage to 401(k) to Social Security and Pension: Good Income Strategy for Retirement in 20 Years? (Lucas)

26:33 - YMYW Podcast Outro

Early Withdrawals, Tech Stocks vs. International, Annuities, ESOP and NUA - 533 Jun 10, 2025

Show notes

Before she retires next month at age 52, Rowan in Georgia wonders how to maximize growth in her IRA, which will be funded with 72(t) early retirement withdrawals. What do Joe Anderson, CFP® and Big Al Clopine, CPA think of her substantially equal periodic payment plan? And how should she allocate it? Michael in Virginia isn't interested in any international investments and is instead invested in stocks like Google, Amazon, Microsoft, Meta, and Berkshire. What adjustments would the fellas make to his portfolio for long term growth? That's today on Your Money, Your Wealth® podcast 533. Plus, our friend Will, who is not a gas siphoner, wants Joe and Big Al's opinion on "backdoor Rothing" his solo 401(k) instead of having an emergency fund, and on what he should do with his annuity. Also, the fellas explain ESOP and NUA - that is, employee stock ownership plans and net unrealized appreciation - for Tess and Finn in Texas.

Free financial resources & episode transcript: https://bit.ly/ymyw-533

WATCH 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV

CALCULATE your free Financial Blueprint

SCHEDULE your Free Financial Assessment

The origins of Will the Gas Siphoner (audio only)

ASK Joe & Big Al for your Retirement Spitball Analysis

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DOWNLOAD more free guides

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Timestamps:

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

01:05 - How Do I Maximize My 72(t) Early Retirement Withdrawals? (Rowan, GA - voice)

10:24 - Watch 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV, Calculate your free Financial Blueprint

11:23 - I'm Not Interested in International Investments. Does My Asset Allocation of Tech Stocks Make Long-Term Sense? (Michael, VA)

14:18 - Should I Backdoor Roth My Solo 401(k) Income Instead of Having an Emergency Fund? What Should I Do With My Annuity? (Will the Gas Siphoner)

24:44 - Schedule a Free Financial Assessment With Pure Financial Advisors

25:53 - ESOP and NUA Explained (Tess & Finn, TX)

31:53 - Tribute to Betsey Clopine, 1933 - 2025

33:17 - YMYW Podcast Outro

"The Payoff is Huge": Jonathan Clements' Final Initiative to Empower Lifelong Savers - 532 Jun 03, 2025

Show notes

Imagine being told you only have 12 months to live. What would you do with your time? Today on Your Money, Your Wealth podcast number 532, Big Al Clopine, CPA and Executive Producer Andi Last are thrilled to welcome Jonathan Clements back for his fourth appearance. For thirty years, Jonathan has been known for his personal finance writing: in his column "Getting Going," which appeared in the Wall Street Journal over 1,000 times starting in 1994, on his website HumbleDollar.com, and in his many acclaimed books. About a year ago, Jonathan Clements was diagnosed with a rare form of lung cancer and was told he had about a year to live. Today we're celebrating the fact that he is still here with us, and we're inspired by his decision to use his precious time to launch The Jonathan Clements Getting Going on Savings Initiative. Watch or listen to find out how you can get a free Kindle copy of Jonathan's new book, and how you can help Jonathan pay it forward for the next generation.

Free financial resources & episode transcript: https://bit.ly/ymyw-532

The first 100 people to email us will receive a free Kindle copy of The Best of Jonathan Clements: Classic Columns on Money and Life

WATCH Retirement Sabotage! 12 Post-Retirement Money Mistakes to Avoid on YMYW TV

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Timestamps:

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

02:53 - Jonathan Clements' Getting Going on Savings Initiative

05:23 - $1,000 Roth IRA Contributions and Personal Finance Education for Young Adults

07:55 - Exponential Growth: The Sooner You Save, The Better

09:44 - Research Study Will Measure Impact on Young Savers

11:56 - Financial Education is Important

14:05 - The John C. Bogle Center for Financial Literacy

14:38 - The First 100 People to Email Us Receive a Free Copy of The Best of Jonathan Clements: Classic Columns on Money and Life

15:45 - How Does a Healthy 62-Year-Old Non-Smoker End Up Living With Stage IV Lung Cancer? The EGFR Exon 20 Insertion Mutation

18:52 - HumbleDollar.com, The Jonathan Clements Getting Going on Savings Initiative, and The Best of Jonathan Clements Book

Tariffs Killed My Portfolio. Should I Claim Social Security Early? - 531 May 27, 2025

Show notes

Tariffs killed Carl's investment portfolio and left him wondering if he should claim Social Security early. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for him today on Your Money, Your Wealth® podcast number 531. Kelly and Steve in Pennsylvania ask for a three-fer spitball - when to claim their Social Security, whether they should contribute to Roth or convert to Roth for that lifetime tax-free growth on their investments, and if they're on track for Kelly to retire in three years.

Free financial resources & episode transcript: https://bit.ly/ymyw-531

CALCULATE your free Financial Blueprint

WATCH The Retirement Course: Can You Hit a Hole in One? on YMYW TV

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Timestamps:

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

01:21 - Tariffs Killed My Portfolio. Should I Claim Social Security Early? (Carl)

10:14 - Watch The Retirement Course: Can You Hit a Hole in One? on YMYW TV, Calculate your free Financial Blueprint

11:13 - When Should We Claim Social Security? Roth Contributions or Conversions? Are We On Track for Retirement? (Kelly & Steve)

25:00 - Download the Key Financial Data Guide, YMYW Podcast Outro

Portfolio Drift, Avoiding Capital Gains, and a $6M Retirement - 530 May 20, 2025

Show notes

What should you do when the asset allocation of your retirement portfolio drifts? Joe Anderson, CFP® and Big Al Clopine, CPA spitball on rebalancing for DJ in St. Louis, today on Your Money, Your Wealth® podcast number 530. Plus, Coach Dobber in Minnesota is curious about municipal bonds in a brokerage account, and Daniel in Stevensville, Michigan needs details on emergency funds. Also, can Tim the Enchanter do a Roth conversion and avoid the nasty big pointy teeth of capital gains tax? And, Duke in upstate New York told his wife they need 6 million dollars in retirement, and she said he was silly. What say Joe and Al? We'll find out.

Free financial resources & episode transcript: https://bit.ly/ymyw-530

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Timestamps:

00:00 - Intro: This Week on the YMYW Podcast 00:47 - Rebalancing Asset Allocation of US Stocks, International Stocks, and Bonds (DJ in St Louis) 07:21 - Can I Do a Roth Conversion and Have No Cap Gains Tax? (Tim the Enchanter, FL) 15:44 - Watch Financial Planning at Every Age on YMYW TV, Download the Retirement Readiness Guide for free 16:41 - Municipal Bonds in a Brokerage Account: Good Idea? (Coach Dobber, MN) 22:48 - Told My Wife We Need $6M to Retire in 20 Years. She Say's I'm Silly. (Duke, upstate NY) 27:09 - Calculate your Free Financial Blueprint, Schedule your Free Financial Assessment 28:54 - What Is an Emergency Fund and How Much Should I Have in It? (Daniel, Stevensville, MI) 36:00 - YMYW Podcast Outro

When to HOLD OFF on Doing Roth Conversions - 529 May 13, 2025

Show notes

John in Boston is in the 32% tax bracket. Should he do Roth conversions? Flight Deck Dad and Irish Girl in Pensacola have a lot of tax-free pension income. Should they do Roth conversions? Bert and Ernie in New Jersey wonder if they should convert to Roth or take advantage of zero percent capital gains tax rates. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for all of them today on Your Money, Your Wealth® podcast number 529. Plus, Michael and his wife in Bellevue are 34, in the 24% tax bracket and wonder if they should contribute to tax-free or tax-deferred accounts, and if they should slow down on retirement savings and start a bridging account for the years between when they want to punch the clock in their early to mid-50s, and when they can access their retirement savings. Then, for something completely different, Frenchie from Maine writes back in: What are the disadvantages to paying off her mortgage ASAP, and what's the tax efficiency of a money market compared to bond funds?

Free financial resources & episode transcript: https://bit.ly/ymyw-529

WATCH How to Break Through Retirement Barriers on YMYW TV

CALCULATE your Free Financial Blueprint

SCHEDULE your Free Financial Assessment

ASK Joe & Big Al for your Retirement Spitball Analysis

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Timestamps:

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

01:00 - We're in the 32% Tax Bracket. Should We Do Roth Conversions? (John, Boston, MA)

06:19 - We Have Large Tax-Free Pension Income. Should We Do Roth Conversions? (Flight Deck Dad & Irish Girl, Pensacola, FL)

16:03 - Watch How to Break Through Retirement Barriers on YMYW TV, Calculate your free Financial Blueprint

16:52 - Should We Do Roth Conversions or Take Advantage of 0% Capital Gains Tax? (Bert & Ernie, NJ)

25:53 - In the 24% Bracket. Should We Contribute to Tax-Free or Tax Deferred Accounts? (Michael, Bellevue, WA)

29:49 - Schedule a Free Financial Assessment at any of Pure Financial Advisors' 12 nationwide locations or online

31:04 - Disadvantages to Paying Off the Mortgage ASAP? Tax Efficiency of Money Market vs. Bond Funds? (Frenchie, ME)

36:23 - Outro: Next Week on the YMYW Podcast

Retirement Savings: When to Take Your Foot Off the Gas - 528 May 06, 2025

Show notes

You've been jamming money into your retirement accounts for years now. When is it okay to slow down? Joe Anderson, CFP®® and Big Al Clopine, CPA spitball for Ron and Veronica in Indiana today on Your Money, Your Wealth® podcast 528. Plus, how can Scott in Illinois bridge the gap from age 55 to retirement income at 57? How should Big Juan in Texas pay for college? Should he convert his TSP to Roth? Can he retire at 55 And finally, Frank and Jane Drebin in Wisconsin are 46 and 47 and wondering if their plan for retirement in 5 years is just a pipe dream.

Free financial resources & episode transcript: https://bit.ly/ymyw-528

DOWNLOAD The Retirement Readiness Guide for free

WATCH What Happens to Your 401(k) & IRA at Retirement? On YMYW TV

CALCULATE your free Financial Blueprint

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Timestamps:

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

01:13 - Can I Take My Foot Off the Gas on Saving for Retirement? (Ron and Veronica, IN)

09:48 - Watch What Happens to Your 401(k) & IRA at Retirement? On YMYW TV and Download The Retirement Readiness Guide

10:43 - How to Bridge the Gap from Age 55 to Retirement Income at 57? (Scott, IL)

20:04 - How to Fund College? TSP to Roth Conversions? Retirement at 55? (Big Juan, TX)

24:45 - Calculate Your Free Financial Blueprint

25:45 - We're 46 and 47, Is Our Retirement Plan a Pipe Dream? (Frank and Jane Drebin, WI)

32:26 - Next Week on the YMYW Podcast

Taxable Income, Dividends, Roth & SMA: What's Missing in Your Early Retirement? - 527 Apr 29, 2025

Show notes

What are the pros and cons if Chip uses the money in his taxable brokerage account for early retirement income? Jack and Sally ask Joe and Big Al to spitball on whether they can retire around age 55 or 60, and whether they should max out their Roth or convert to Roth, today on Your Money, Your Wealth® podcast 527 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Plus, April and Andy ask the fellas to spitball on their dividend investing strategy, and Don wonders if a separately managed account (SMA) makes sense for his taxable account. (We'll also find out what an SMA is.)

Free financial resources & episode transcript: https://bit.ly/ymyw-527

CALCULATE your free Financial Blueprint

DOWNLOAD The Withdrawal Strategy Guide for free

DOWNLOAD 10 Steps to Improve Investing Success for free

WATCH Your 11-Step Path to Financial Freedom on YMYW TV

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Timestamps:

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

00:52 - Pros and Cons of Using a Taxable Brokerage Account for Early Retirement Income? (Chip Skylark, Dimsdale)

13:24 - Watch Your 11-Step Path to Financial Freedom on YMYW TV, Calculate Your Free Financial Blueprint

14:27 - Is My Dividend Investing Strategy Missing Anything? (Andy & April, Knoxville, TN)

25:02 - Can I Retire Between Ages 55-60? Should I Max Out Roth Contributions, or Convert to Roth? (Jack & Sally, NC)

31:18 - Download the Withdrawal Strategy Guide and 10 Steps to Improve Investing Success for Free

32:03 - Does a Separately Managed Account (SMA) Make Sense for My Taxable Account? (Don, IA)

40:46 - Next Week on the YMYW Podcast

Roth IRA is "The Greatest Account Ever" Per Ed Slott. But Why? - 526 Apr 22, 2025

Show notes

Just about every week here on YMYW, Joe and Big Al talk about converting your retirement savings to Roth accounts. But why? What's the big deal? Today the "IRA guru" Ed Slott, CPA returns to Your Money, Your Wealth® in podcast number 526 with Joe Anderson, CFP® and Big Al Clopine, CPA to tell us why he calls the Roth IRA "the greatest account ever created." (Here's a hint: it's all about having tax-free income in retirement - and beyond.) Plus, where to prioritize saving for retirement? Jerry Tom in St. Louis wants to know. Are Christian and Tiffany in Montana on track for retirement, and should they rebalance their ETFs? Should Frank in Lake Wobegon's wife take her teachers' salary over 9 months or 12 months? And finally, Jon thinks the target retirement withdrawal rates Joe and Big Al use to spitball are too low - we'll see what they think.

Free financial resources & episode transcript: https://bit.ly/ymyw-526

DOWNLOAD The Complete Roth Papers Package

CALCULATE your Financial Blueprint

WATCH Don't Let These 10 Risks Break Your Retirement on YMYW TV

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Timestamps:

00:00 - Intro

00:59 - Ed Slott, CPA on the Roth IRA, the Future of Taxes, the Death of the Stretch IRA, and Naming a Trust as Your Retirement Account Beneficiary

19:44 - Download The Complete Roth Papers Package for free

20:37 - Where to Prioritize Saving for Retirement? (Jerry Tom, St. Louis)

28:57 - Are We on Track for Retirement? Should We Rebalance Our ETFs? (Christian & Tiffany, Montana)

40:43 - Watch Don't Let These 10 Risks Break Your Retirement on YMYW TV, Calculate Your Free Financial Blueprint

41:44 - Is It Better to Take Teachers' Salary Over 9 Months or 12? (Frank, Lake Wobegon - voice)

45:32 - Withdrawal Rates Are Very Low on YMYW (Jon, Twitter & Apple Podcasts)

49:46 - YMYW Podcast Outro

Risks Threaten Retirement. Rewire Your Plans - 525 Apr 15, 2025

Show notes

Tariffs, inflation, healthcare costs... how do you shift from saving to spending in retirement while managing risks like these? Jamie Hopkins is a CERTIFIED FINANCIAL PLANNER® professional, an attorney, and best-selling author of Find Your Freedom and Rewirement: Rewiring the Way You Think About Retirement. He returns to the show today on Your Money, Your Wealth® podcast 525 with Joe Anderson, CFP® and Big Al Clopine, CPA, to share insights on how to rewire your retirement plans. Plus, how should Fred and Ginger in Huntington Beach, California, pay for repairs on their rental properties? How can Peter Lemonjello manage taxes in his early retirement with 72(t) elections, rental income, and an installment sale? Can Calvin and Susie in Lancaster, Pennsylvania, buy an $800,000 beach house - and should they?

Free financial resources & episode transcript: https://bit.ly/ymyw-525

DOWNLOAD The Recession Protection Guide

WATCH the Market Volatility webinar with Joe Anderson, CFP® and Brian Perry, CFP®, CFA from Pure Financial Advisors on demand

DOWNLOAD 10 Tips for Real Estate Investors

WATCH How Your Home Can Create Retirement Income on YMYW TV

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Thanks to Million Podcasts for ranking YMYW in several of their "Best of" lists! Read more.

Timestamps:

00:00 - Intro

00:59 - Rewiring Spending and Managing Risk in Retirement with Jamie Hopkins Esq., LLM, CFP®, ChFC®, CLU®, RICP®

24:07 - Watch the Market Volatility Webinar On Demand, Download the Recession Protection Guide

24:52 - How Should We Pay for Repairs on Rental Properties? (Fred & Ginger, Huntington Beach, CA)

33:06 - Early Retirement Taxes: 72(t) Timing, Installment Sale, and Rental Income (Peter LemonJello, FL)

44:02 - Watch How Your Home Can Create Retirement Income on YMYW TV, Download 10 Tips for Real Estate Investors

44:33 - Can and Should We Buy an $800K Beach House? (Calvin and Susie, Lancaster, PA)

53:33 - YMYW Podcast Outro

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