257 episodes

On this retirement investing podcast, financial planner Joe Anderson, CFP® and certified public accountant Big Al Clopine answer your money questions about investing, portfolio diversification, how to reduce taxes, creating retirement income, collecting Social Security benefits, how much you can spend in retirement, Roth conversions, and more. Retirees and pre-retirees listen to this irreverent and informative personal finance podcast to laugh as they learn strategies that can help them retire successfully. Ask your personal finance questions, read YMYW podcast episode transcripts, and access free financial resources at http://YourMoneyYourWealth.com

Your Money, Your Wealth Your Money, Your Wealth

    • Investing

On this retirement investing podcast, financial planner Joe Anderson, CFP® and certified public accountant Big Al Clopine answer your money questions about investing, portfolio diversification, how to reduce taxes, creating retirement income, collecting Social Security benefits, how much you can spend in retirement, Roth conversions, and more. Retirees and pre-retirees listen to this irreverent and informative personal finance podcast to laugh as they learn strategies that can help them retire successfully. Ask your personal finance questions, read YMYW podcast episode transcripts, and access free financial resources at http://YourMoneyYourWealth.com

    International Funds, Safe Investments, 1031 Exchange: Email Round-Up - 258

    International Funds, Safe Investments, 1031 Exchange: Email Round-Up - 258

    How to choose international funds in a diversified portfolio, a momentum investing strategy called The 12% Solution, and safe retirement investments like CDs and bonds. Plus Joe and Big Al touch on real estate investing with 1031 exchanges and qualified opportunity zones, and they answer your questions on the SECURE Act, IRA contributions, and calculating Social Security in this wide-ranging email round-up. Ask money questions, read the transcript & access free financial resources: http://bit.ly/YMYW-258

    • 46 min
    Why Not Just Go All in On VTSAX, Vanguard’s Total Stock Market Index Fund? - 257

    Why Not Just Go All in On VTSAX, Vanguard’s Total Stock Market Index Fund? - 257

    The Vanguard Total Stock Market Index Fund (VTSAX) comes very highly recommended by JL Collins in his book, The Simple Path to Wealth. So why not put all your money into it? Plus, Joe & Big Al answer your questions on the 4% rule for retirement withdrawals, what to do before and after age 59 and a half, whether to invest in the Roth or traditional thrift savings plan (TSP), and of course, Roth IRA conversions. Ask money questions, read the transcript & access free financial resources: http://bit.ly/YMYW-25

    • 49 min
    Your SECURE Act Retirement Questions Answered - 256

    Your SECURE Act Retirement Questions Answered - 256

    Joe and Big Al tackle your SECURE Act retirement planning questions: how minors can distribute inherited IRAs, whether a trust should be your IRA beneficiary, and what effect the new law has on required minimum distributions, or RMDs, and qualified charitable distributions, or QCDs. Plus, the fellas get schooled by YMYW listeners on their Thrift Savings Plan miss in episode 254. Ask money questions, read the transcript & access free financial resources: http://bit.ly/YMYW-256

    • 35 min
    Breaking Down the Confusing 5-Year Roth Clock Rules - 255

    Breaking Down the Confusing 5-Year Roth Clock Rules - 255

    Joe & Big Al explain, once and for all, the 5-year clocks for Roth conversions and Roth contributions and pro-rata rules. (Well, *hopefully* it’ll all make more sense to you by the time they get through it. If not, let us know.) We’ll also find out what the fellas think about holding cash until the inevitable economic downturn, lump-sum investing vs. dollar-cost averaging, and the Total World Stock Index Fund. Ask money questions, read the transcript & access free financial resources: http://bit.ly/YMYW

    • 55 min
    Roth Conversions from a Thrift Savings Plan TSP? - 254

    Roth Conversions from a Thrift Savings Plan TSP? - 254

    The thrift savings plan (TSP) explained, and the rules around Roth conversions from TSPs. Plus, answers your questions about age limits on making Roth conversions, backdoor Roth conversions, Roth contribution phase-outs and recharacterizations, and the pro-rata rules. Plus, Joe explains, again, his distaste for fixed index annuities, and we find out why Big Al is called “Big”. Ask money questions, read the transcript & access free financial resources: http://bit.ly/YMYW-254

    • 49 min
    Rules for Your Retirement Savings and Distributions Are Changing - 253

    Rules for Your Retirement Savings and Distributions Are Changing - 253

    Just in time for the holidays, the Setting Every Community Up for Retirement Enhancement Act, or SECURE Act, has been made law, effective January 1, 2020. Joe and Big Al explain what it means for your stretch IRAs, required minimum distributions, retirement savings and more. Plus the fellas answer your questions on self-employed small business retirement plans and paying off the mortgage. Ask money questions, read the transcript & access free financial resources: http://bit.ly/YMYW-253

    • 40 min

Customer Reviews

JoshCrist ,

Entertaining, insightful and actionable!

Whether you’re just starting out on your retirement journey, looking to level up your investing game or just want to broaden your mindset around wealth creation - this is a must-listen podcast for you! Joe and Big Al do an incredible job leading conversations that cover a huge breadth of topics related to the ins and outs of creating (and sustaining!) a retirement that matches your values. Each conversation is empowering, easy to dive into and levels you up no matter where you are in your journey. Highly recommend listening and subscribing!

Chidam ,

Too slow and annoying voice

I started listening to this with high hopes but the people talking are too slow and put you to sleep. There are unnecessary distractions talking about non financial nonsense. Repeating same sentence multiple times especially the lady in the podcast. Artificially laughing etc. it appears like they purposely drag each episode to make it longer. I am unsubscribing now. There are plenty of other podcasts which come to the point right away without dragging.

youMaenotpass ,

This ain’t financial kindergarten

Spent a lot of time with Dave Ramsey, Clark Howard, and the Money Guy. This is more than pep talk material and is on a different level for financial planning and retirement strategies. Just when you thought you have arrived because you are debt free and own your house/everyday millionaire, this show keeps you humble and engaged in the process. Great show!

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