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
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Can You Afford Early Retirement AND Millions for Your Kids? - 605
Épisode 605
mardi 27 octobre 2026 • Durée 44:04
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Joe Anderson, CFP® and Big Al Clopine, CPA spitball on how to build your own retirement AND support your kids financially, today on Your Money, Your Wealth® podcast number 605. Lloyd and Diane in Montgomery County are 50 with $8.4 million. Can they retire early and still be generous with their kids? E and T in Missouri are 34 and 31 with $255K, and hopefully some big inheritances in the future. Can they fund the kids' college, and help them buy their first homes, AND retire early? Kent in Kansas City is 73 with 12 million bucks and $2 million in life insurance. Do Joe and Big Al back up his plan to buy an annuity, gift money to his kids now, and still spend freely in retirement, Die With Zero style? Finally, should John in the San Francisco Bay Area sell the family home and move to Nevada, or hold the house for his autistic daughters to inherit later? We’ll have a brand-new episode of tax strategies, retirement planning, and making fun of finance for you next week, but in the meantime, enjoy this encore presentation of an episode from March of this year.
Free Financial Resources in This Episode:
https://bit.ly/ymyw-605 (full show notes & episode transcript)
01:10 - 50 with $8.4M. Can We Retire Early and Still Give to Our Kids? (Lloyd Dobler and Diane, Montgomery County, MD)
11:41 - Die With Zero: Spend My $12M or Buy an Annuity? (Kent, 73 & 70, Kansas City)
25:08 - Can We Afford Kids’ College AND Houses AND Our Own Early Retirement? (E & T, 34 & 31, Missouri)
34:17 - Should We Move to Save Money or Keep the House for Our Autistic Kids? (John, 68 & 66, San Francisco Bay Area)
42:29 - Outro: Next Week on the YMYW Podcast
Is 4% Too Conservative? How Much You Can Really Spend in Retirement - 604
Épisode 604
mardi 20 octobre 2026 • Durée 59:54
Schedule a Free Financial Assessment with an experienced professional:
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How much can you actually spend in retirement without running out of money? That’s today on Your Money, Your Wealth® podcast 604 with Joe Anderson, CFP® and Big Al Clopine, CPA. Longtime listener E-Dog built a fifty-year backtest spreadsheet to call out Big Al and prove the famous four percent rule is way too cautious. Hot stuff “Donna Summer” wonders if her biggest problem with her $13 million dollar portfolio is going to be the distributions she’ll be required to take from it and how to manage them. “Hansel and Gretel” in Minnesota are trying to figure out now what a lot of good savers never do: how to permit themselves to spend their $4.3 million dollar portfolio? James in Texas needs a spitball on how much to convert to Roth before Social Security and Medicare kick in, and Mark needs a spitball on whether he should save for retirement to his pre-tax 401(k) or his post-tax Roth.
Free Financial Resources in This Episode:
https://bit.ly/ymyw-604 (full show notes & episode transcript)
Is a $400K Roth Conversion at Peak Income a Mistake? - 603
Épisode 603
mardi 13 octobre 2026 • Durée 45:45
Schedule a Free Financial Assessment with an experienced professional:
https://bit.ly/YMYWassessC
George and Louise in Queens bring in $600,000 a year. Should they keep working just to do Roth conversions? Cher and Sonny in Oregon wonder if they can retire in a couple years at 59 and 60, and whether the mega backdoor Roth belongs in their plans. Joe Anderson, CFP® and Big Al Clopine, CPA spitball retirement planning and Roth conversion strategies for them, today on Your Money, Your Wealth® podcast number 603. Plus, Michelle in Vienna, Virginia, is 56 and ready to retire, but what about her brand-new mortgage? Finally, our friend Marion in Fresno asks about Vanguard's suggestion of an annuity to cover fixed expenses.
LIMITED-TIME SPECIAL OFFER | DIY Retirement Guide - download by Friday, October 16, 2026!
https://purefinancial.com/ymyw/#specialoffer
Free Financial Resources in This Episode:
https://bit.ly/ymyw-603 (full show notes & episode transcript)
Do You Have These 10 Habits of the Quietly Wealthy? - YMYW TV:
Should You Do Roth Conversions in a Down Market? - 602
Épisode 602
mardi 6 octobre 2026 • Durée 29:23
Schedule a Free Financial Assessment with an experienced professional:
https://bit.ly/YMYWassessC
Joe Anderson, CFP® and Big Al Clopine, CPA are spitballing on whether Roth conversions actually pay off as part of your retirement tax strategies, today on Your Money, Your Wealth® podcast number 602. “Ozzie and Harriet” in Lafayette, Louisiana are 67, and Ozzie's spreadsheet says converting from their $7 million IRA costs more than just taking the RMDs. He challenges the fellas to change his mind. They also address BondBeer’s many YouTube comments telling them that their favorite guidance to convert when the market drops is flat wrong. Finally, Alan on Daufuskie Island, South Carolina asks for clarification on paying the tax to pay the tax when you pull money from an IRA, and whether it matters if the tax comes out of the account or out of your brokerage.
Free Financial Resources in This Episode:
https://bit.ly/ymyw-602 (full show notes & episode transcript)
Can You Retire Early? With $475K at 42, You Need a Gap Plan - 601
Épisode 601
mardi 29 septembre 2026 • Durée 41:04
Schedule a Free Financial Assessment with an experienced professional:
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How do you know if you're really on track to retire, especially if you're hoping to get out early? Fred and Wilma in Denver are 33 and 31, earning a small fortune, but sitting on nearly two million dollars in debt. Should they focus on paying it down faster or saving more? Jeremy, in Summerville, South Carolina, is 42 with a hefty military pension. Is that his green light to go all-in on stocks for the next 20 years? And finally, Saver and Spender in Saratoga Springs, New York are 41 and 42 and hoping an early exit. Can part-time work can carry them through their gap years? Joe Anderson, CFP® and Big Al Clopine, CPA spitball for all of them, today on Your Money, Your Wealth® podcast number 601.
Free Financial Resources in This Episode:
https://bit.ly/ymyw-601 (full show notes & episode transcript)
Retirement Withdrawal Strategy: Is $100K a Year at 63 Wrong? - 600
Épisode 600
mardi 22 septembre 2026 • Durée 49:46
Schedule a Free Financial Assessment with an experienced professional:
https://bit.ly/YMYWassessC
63-year-old Kevin in Denver is pulling $100K a year out of his portfolio. What’s the tax-smart way for him to structure these retirement withdrawals? Tim in Pennsylvania was forced into early retirement, and his wife Jill may be facing a layoff. They have over $2.5M saved, but what about health insurance? And Rocky and Adrian in Tucson have $4M in pre-tax at ages 68 and 69. If they convert to Roth, are they just picking up nickels in front of a steamroller? But first, Jeffrey’s YouTube comment lit a fire when he called a recent episode of YMYW TV on Social Security claiming strategies "cookie-cutter with zero real info." Joe and Big Al have some thoughts!
Free Financial Resources in This Episode:
https://bit.ly/ymyw-600 (full show notes & episode transcript)
Retirement vs. House Down Payment: Are You Getting the Timing Wrong? - 599
Épisode 599
mardi 15 septembre 2026 • Durée 36:45
Schedule a Free Financial Assessment with an experienced professional:
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How do you buy a house as a young person, without wrecking your long-term retirement plan? That’s today on Your Money, Your Wealth® podcast 599, as Joe Anderson, CFP® and Big Al Clopine, CPA spitball for 35-year-old Gord in New York City. He's got $300,000 saved, and a home purchase is coming soon thanks to a new relationship. Should he liquidate his brokerage account and pull the trigger? Carrie Bradshaw in California is 33 and wants to buy a roughly $1.5M home. When should she move the down payment money out of the market, and can she avoid derailing early retirement? Finally, Archie and Veronica in Missouri are 41 and 34, pulling in $600,000 a year and saving close to $200,000 of it. Are they saving too much? Should they pay off their mortgage or keep investing?
Free Financial Resources in This Episode:
https://bit.ly/ymyw-599 (full show notes & episode transcript)
Financial Blueprint (free, self-guided):
https://bit.ly/YMYWblueprintC
10 Big Retirement Regrets to Avoid (Before It's Too Late)- YMYW TV:
Can You Retire with $1M at 42? The Early Retirement Lie - 598
Épisode 598
mardi 8 septembre 2026 • Durée 39:42
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)
We Have $12 Million. Should We Do Roth Conversions? - 597
Épisode 597
mardi 1 septembre 2026 • Durée 40:32
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)
4 Retirement Questions That Expose Real Money Risks - 596
Épisode 596
mardi 25 août 2026 • Durée 43:55
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?
