Is it better to save for retirement in traditional 401(k)s and IRAs, or in Roth accounts? That’s today on Your Money, Your Wealth® podcast 518 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, what are the rules around contributing to two different types of Roth accounts? If required minimum distributions will be staggered because of a couple’s age difference, should they convert their retirement savings to Roth, or leave it alone? But first, Joe and Big Al have a backdoor Roth conversion withdrawal debate to settle.

Access free financial resources and the episode transcript: https://bit.ly/ymyw-518

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Timestamps:

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

01:02 - Can Backdoor Roth Conversions Be Withdrawn at Any Time? (Tyler, Arlington, VA)

06:11 - Am I Allowed to Have Two Roth Accounts? Should I Use My Roth 403(b)? (Kimberly, NY)

07:06 - Should I Switch Contributions from Traditional TSP to Roth? (Kate, Cleveland, OH)

11:47 - Download the Ultimate Guide to Roth IRAs for free

12:43 - Self-Insuring Long-Term Care: Traditional IRA or Roth? (Neo, San Clemente, CA)

18:05 - Our RMDs Will Be Staggered. Should We Convert $4M to Roth or Leave It Alone? (Mike, Western PA)

22:00 - Should I Switch Traditional IRA Contributions to Roth? (Joe, NC)

25:39 - Watch Will Your Money Last Through Retirement? on YMYW TV, Download the Retirement Lifestyles Guide for free

26:31 - Should We Dial Back Pre-Tax Savings and Put More in Brokerage? (Herc & Angel, MA)

31:44 - We Can Mega-Save. What’s Our Plan of Attack? Ricky Bobby, Charlotte, NC)

38:42 - Watch "Is a Market Correction Coming in 2025? YMYW Podcast Q&A and Feedback" (YouTube Exclusive)

Should Nancy in Washington take out a 401(k) loan and invest it in her brokerage account to catch up on saving for her retirement? When Joe and Big Al talk about having a balanced portfolio of various asset classes like stocks and bonds, Brian in Naperville, Illinois wonders whether that asset allocation strategy takes into account the stabilizing effect of monthly Social Security payments? That’s today on Your Money, Your Wealth® podcast 517 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Joy and her brother are each inheriting $400,000. How should they each invest it for their very different financial situations? Mike in Colorado has a good guaranteed income stream, so what should he do with the money he’s drawing from his taxable IRA every year - convert to Roth, put it in a brokerage account, go on a cruise? And finally, Skipper asks the fellas to spitball on whether he should do Roth conversions or take advantage of zero percent capital gains tax rates. Access free financial resources and the episode transcript: https://bit.ly/ymyw-517 

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What are the benefits and differences between exchange-traded funds and mutual funds? Mike in Colorado wants to know. How should Lauren in Florida approach the fixed-income portion of her investment portfolio? Would a balanced fund be good for asset allocation in the decumulation phase for DJ in Missouri? Plus, Karen wants to make a one-time roulette investment. Should she hire a broker or do it herself? Joe Anderson, CFP® and Big Al Clopine, CPA spitball on investing from the basics to the alternatives, today on Your Money, Your Wealth® podcast number 516. But first, something for YMYW’s legion of Old-Fashioned drinkers: find out how you can put your money where your mouth is with our special guest Jeremy Kasler, the founder and CEO of CaskX, making investing in whiskey and bourbon more accessible and transparent for investors.

Access free financial resources and the episode transcript: https://bit.ly/ymyw-516

DOWNLOAD The Investing Basics Guide

WATCH Financial Facts vs. Fiction: The Truth May Shock You! on YMYW TV

DOWNLOAD The Retirement Readiness Guide

WATCH the full interview with Jeremy Kasler of CaskX

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Timestamps:

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

00:55 - How to Invest in Bourbon and Whiskey with Jeremy Kasler, Founder and CEO of CaskX (watch the full interview exclusively on YouTube)

12:17 - Watch Financial Fact vs. Fiction: The Truth May Shock You! On YMYW TV, Download the Retirement Readiness Guide

13:09 - Big Al and Joe's Favorite Bourbons or Whiskeys

15:17 - ETFs vs. Mutual Funds Explained (Mike, CO)

18:34 - Bonds, Bond Funds, TIPs, CDs: Where to Invest for Fixed Income? (Lauren, FL)

21:47 - Download the Investing Basics Guide, Calculate your Free Financial Blueprint

22:54 - Is a Balanced Fund Good for Asset Allocation in the Decumulation Phase? (DJ, Missouri)

27:33 - One-Time Roulette Investment: Should I Hire a Broker or Do It Myself? (Karen)

31:46 - Outro: Next Week on the YMYW Podcast

Financially speaking, should Old Bear in Northern Kentucky marry his Honey? How should Sebastian in Virginia navigate the financial aspects of his separation? That’s today on Your Money, Your Wealth® podcast 515 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Famous Missourians want to know, how much is enough for retirement, and when can you take your foot off the gas? Can Paul with the Big Wallet Bridge the long gap between retiring and claiming Social Security benefits? And can Aspiring Adventurer in Oregon retire single at age 58?

Access free financial resources and the episode transcript: https://bit.ly/ymyw-515

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WATCH: Going Solo: Navigating Your Financial Future Single on YMYW TV 

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Timestamps: 

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

00:44 - Financially Speaking, Should Old Bear Marry His Honey? (Northern Kentucky, near Cincinnati, OH)

08:20 - Navigating Finances When Separating from Your Spouse (Sebastian, VA)

14:52 - Watch Going Solo: Navigating Your Financial Future Single on YMYW TV, Download the Going Solo Guide for free

15:22 - How Much is Enough for Retirement? When Can We Take Our Foot Off the Gas? (JC Penney & Laura Ingalls Wilder, Kansas City, MO)

28:10 - How to Bridge the Long Gap Between Retirement and Social Security (Paul with the Big Wallet)

38:29 - Calculate your free Financial Blueprint

39:00 - Can I Retire at Age 58? Where to Save? Should I Do a Roth Conversion Ladder in Retirement? (Aspiring Adventurer, OR)

50:49 - YMYW Podcast Outro

Mike and his wife in Tampa are 39 and 36, they’ve got nearly a million bucks saved. Are they on track for retirement? Kate in California is 55 and hopes to retire in the next couple of years. How should she manage deferred compensation and retirement withdrawals? That’s today on Your Money, Your Wealth® podcast number 514 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Plus, Joe and Big Al answer questions from our YouTube viewers on considering IRMAA when making Roth conversions, paying Roth conversion taxes quarterly or in December or in January, protecting a gifted house from a child’s ex, and the tax impact of rebuilding on an inherited property. Finally, 8 years ago, Joe and Big Al said you shouldn’t have more than 2% of your portfolio in gold and one YouTube viewer said that did not age too well. What do the fellas think today? We’ll find out.

Access free financial resources and the episode transcript: https://bit.ly/ymyw-514

DOWNLOAD the Cruising Into Retirement Checklist and Guide

WATCH How to Cruise Into Your Retirement on YMYW TV

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Timestamps:

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

00:56 - 39 & 36 With Nearly $1M. How Are We Doing? (Mike, Tampa, FL)

07:30 - Watch How to Cruise Into Your Retirement on YMYW TV, Download the Cruising Into Retirement Checklist and Guide by Friday, Jan. 31, 2025!

08:14 - Hoping to Retire in the Next Couple of Years. How Should I Manage Deferred Comp and Withdrawals? (Kate, CA, 55)

16:23 - Download the Withdrawal Strategy Guide for free

16:56 - Roth Conversions Prior to IRMAA for Alex in podcast 510? (Thomas, YouTube)

18:54 - How to Pay Roth Conversion Taxes Before Filing 2024 Taxes? (PoolMileThirty, YouTube)

21:39 - Paying Roth Conversion Tax in December vs. January (TacticalTruth, YouTube)

22:53 - How To Avoid Child's Ex Taking Half of Gifted House? (Emjay, YouTube)

23:53 - Will Kids Keep Stepped Up Basis If They Build New House on the Property? (Thaigera, YouTube)

27:53 - Gold Doesn't Grow? That Didn't Age Well (Eldon, YouTube comment)

29:39 - Outro: Next Week on the YMYW Podcast

Today on Your Money, Your Wealth® podcast 513 with Joe Anderson, CFP®, and Big Al Clopine, CPA, YMYW listeners in their 40s are ready to call it quits at work, become financially independent, and retire early. Can they afford to do it? Peter and Joanna want to retire in the next two years. "Burned Out and Ready to Retire" wants out of his toxic office. If Maryland Chicken Man never earns another dollar, how much can he withdraw from his retirement accounts each year? Plus, Suzanne in Massachusetts is 69 and needs $60K annually for 30 years. Is she all right?

Access free financial resources and the episode transcript: https://bit.ly/ymyw-513

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Timestamps: 

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

01:09 - We're 45 and 44. Can We Retire in the Next 2 Years? (Peter & Joanna, NJ)

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 42 and I Work in a Toxic Office. Can I Afford to Retire? (Burned Out and Ready to Retire, NJ)

21:53 - Download the 2025 Key Financial Data Guide for free

22:32 - I’m 69 and Need $60k/Year for the Next 30 Years. Am I All Right? (Suzanne, MA)

25:19 - I'm 45. If I Never Earn Another Dollar How Much Can I Withdraw Every Year? (Maryland Chicken Man)

34:54 - Outro: Next Week on the YMYW Podcast

What is the risk with BDCs, or business development company funds? Edward in Illinois wants to know. Do Pebbles and Bam Bam in Kentuckystone have too much invested in T-bills? Are mutual funds or ETFs a better place for them to invest qualified money in the decumulation phase? Is there a difference between a traditional IRA and a rollover IRA? And Keith in Connecticut is 34 and wants a spitball on whether his investments are appropriate for his time horizon, today on Your Money, Your Wealth® podcast number 512 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Gus in Philly needs a withdrawal strategy for his dad’s multi-year guaranteed annuities (MYGAs). Speaking of MYGAs, YouTube viewer Ken thinks everyone should invest in MYGAs and bonds, and nobody should ever pay a financial advisor. What do Joe and Big Al think? And finally, comments on your state of residence for tax purposes from Greg, the prorated sale of a primary residence, and bonds vs. pension from Keith, and 7SideWays tells the fellas to focus on PERMA already - but what is it?

Access free financial resources and the episode transcript: https://bit.ly/ymyw-512

LIMITED TIME OFFER: DOWNLOAD The DIY Retirement Guide before the Special Offer changes on Friday January 17, 2025!

SCHEDULE your Free Financial Assessment

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Timestamps:

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

01:09 - What’s the Risk with Business Company Development (BDC) Funds? (Edward, IL)

04:04 - T-Bills, Decumulation, IRAs, and Investing Strategies (Pebbles & Bam Bam, Kentuckystone)

11:21 - LIMITED TIME OFFER: Download the DIY Retirement Guide by Friday, Jan 17, 2025!

12:24 - I’m 34. Are My Investments Appropriate for My Time Horizon? (Keith, CT)

18:22 - Multi-Year Guaranteed Annuity (MYGA) Retirement Withdrawal Strategy for Dad (Gus in Philly)

22:34 - Just Buy MYGAs and Bonds and Don't Pay an Advisor (comment from Ken, YouTube)

27:36 - Schedule a Free Financial Assessment with Pure Financial Advisors, Learn More about Pure's Fees and Services

28:47 - State Taxes vs. State of Residency (comment from Greg, Temecula)

30:17 - Favor Questions from People with Less than $6M Please (comment from Ed, YouTube)

31:08 - Prorated Sale of Primary Residence (comment from Keith, YouTube)

33:01 - $1M Bonds vs. $40K/yr Pension (comment from Keith, YouTube)

34:54 - Focus on PERMA Already (comment from 7SideWays, YouTube)

36:11 - YMYW Podcast Outro

YMYW friends, welcome to 2025. Today on Your Money, Your Wealth® podcast number 511, we’re revisiting your favorite topics of 2024 as Joe Anderson, CFP® and Big Al Clopine, CPA spitball on strategies for building up tax-free retirement income in Roth accounts, determining your appropriate mix of taxable, tax-deferred, and tax-free savings (also known as tax diversification), and whether YMYW viewers and listeners can retire as soon as possible.

Access free financial resources and the episode transcript: https://bit.ly/ymyw-511

DOWNLOAD the 2024 Key Financial Data Guide for free

CALCULATE your Free Financial Blueprint

SCHEDULE your Free Financial Assessment

ASK Joe & Big Al for your Retirement Spitball Analysis

SUBSCRIBE to YMYW on YouTube

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SUBSCRIBE to the YMYW Newsletter

LISTEN to the Best of the YMYW Podcast 2021,  2022,  2023

LISTEN to the Top Funniest Moments from the YMYW Podcast Vol. 1, Vol. 2

Timestamps:

• 00:00 - Intro: This Week on the YMYW Podcast
• 00:59 - Can We Afford to Spend $120k/Year Inflation Adjusted in Retirement? (Joe & Angelina Jolie, Strawberry Plains, TN)
  • From ep. 503: YMYW Most Plays in 2024 on Apple Podcasts, YMYW Most Streamed in 2024 on Spotify
• 08:14 - Can I Contribute to My Wife’s Roth IRA? Can I Max Out Multiple Roth Accounts? Should We Do Roth Conversions? (Theodore & Louise, Seattle, WA)
  • From ep. 504: YMYW Most Consumed in 2024 on Apple Podcasts, YMYW Most New Subscribers in 2024 on YouTube
• 15:21 - Download the 2024 Key Financial Data Guide for free. Subscribe to the YMYW podcast, the YouTube channel, and the YMYW newsletter, and get the 2025 guide as soon as it's released!
• 16:46 - We Want to Retire As Soon as Humanly Possible. Brokerage vs. Solo 401(k) for Surplus Funds? (Ricochet J, CO)
  • From ep. 505: YMYW Most Engaged Listeners in 2024 on Apple Podcasts, YMYW Most Listeners in 2024 on Spotify
• 31:05 - How Much Money Do We Need to Retire ASAP? (Barney and Betty, NE New Jersey)
  • From ep. 493: YMYW Most Engaged Listeners in 2024 on Amazon Music
• 44:20 - Calculate your Financial Blueprint, Schedule a Financial Assessment
• 45:39 - Ed Slott: How Much Money Can You Save in Taxes With Good Tax Planning? What About People Who Don’t Have the Money to Pay the Tax on a Roth Conversion?
  • From ep. 489: YMYW Most Views & Watch Time in 2024 on YouTube
• 51:51 - Tax Diversification General Guidelines? (Brian, Naperville, IL)
  • From ep. 468: YMYW Most Downloaded Across All Podcast Platforms in 2024
• 57:33 - Andi's Favorite Derail of 2024: Clark & Ellen Griswold, Tuktoyaktuk reading Derail from ep. 498
• 1:01:07 - Outro: 2024 YMYW Podcast Stats

Does it make sense for Alex and his wife in Massachusetts to do Roth conversions now to the top of their eventual tax bracket? Steve in San Diego got serious about saving for retirement after Joe and Big Al gave him some tough love 5 years ago. Is he good to retire now, and should he convert to Roth? That’s today on Your Money, Your Wealth® podcast number 510 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, can Barbara in New Jersey’s grandson move excess 529 funds to a Roth and withdraw the money after 5 years? PWare has a cunning plan to gift appreciated stock to avoid capital gains tax, but will it work? Should Mike create a limited liability company for his rental properties? And finally, qualified charitable distributions don’t make sense to GetSmart Paul. Sherri in California wonders if her kids can inherit her savings account without any tax penalty, and whether there’s a safe, high-yielding investment she should put it in. And Houry in New York wonders if her IRA can fund a charitable remainder unitrust, or CRUT.

Access free financial resources and the episode transcript: https://bit.ly/ymyw-510

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WATCH Retirement Pop Quiz: 18 Questions to Get You Ready to Retire on YMYW TV

LISTEN to Steve in San Diego's 2019 question

Al: "Maybe you gotta live in a trailer somewhere." Joe: "that side hustle, you better be able to do that in a wheelchair."

LISTEN to YMYW Podcast Best of 2021, 2022, and 2023

REQUEST: Ask Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE: free financial assessment

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Timestamps:

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

01:08 - Should We Do Roth Conversions to Our Eventual Tax Bracket? (Alex, MA)

07:51 - YMYW Tough Love Made Me Get Serious. When Can I Retire? Should I Do Roth Conversions? (Steve, San Diego, CA)

14:11 - Download the Complete Roth Papers Package for free

14:59 - Can Grandson Withdraw 529 Funds From Roth After 5 Years? (Barbara, NJ)

18:37 - Can We Avoid Capital Gains Tax With This Appreciated Stock Gifting Strategy? (P Ware)

20:57 - Should I Create an LLC for Rental Properties? (Mike, voice)

23:00 - Qualified Charitable Distributions Don’t Make Sense to Me (GetSmart Paul, YouTube)

24:59 - Watch the Retirement Pop Quiz on YMYW TV, Download the Retirement Readiness Guide for free

25:45 - Do My Kids Inherit My Savings Account Without Tax Penalty? What’s a Safe, High-Return Investment for Them? (Sherri, CA)

27:18 - Can an IRA Fund a Charitable Remainder Unitrust? (Houry, NY)

31:43 - Outro: Next Week on the YMYW Podcast

When should Richie and Heather and Rebecca and Sam collect their Social Security benefits? Why is Dan’s benefit so much higher than his wife’s? PWare has a Roth conversion case for claiming Social Security AFTER age 70, and Jerry wonders how Donald Trump’s plan to stop taxing Social Security could impact claiming strategies. Plus, Joe rants about Rebecca and Sam’s $1 million single premium deferred indexed annuity, and the fellas also spitball on their Roth conversion and retirement strategy and how much is too much when it comes to paying advisor fees. Access free financial resources and the episode transcript: https://bit.ly/ymyw-509

DOWNLOAD the Social Security Handbook

CALCULATE your free Financial Blueprint online

SCHEDULE your free Financial Assessment with an experienced professional

Ask Joe & Big Al for your Retirement Spitball Analysis

SUBSCRIBE: YMYW on YouTube

DOWNLOAD: more free guides

READ: financial blogs

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SUBSCRIBE: YMYW Newsletter

Timestamps:

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

01:00 - When Should We Take Social Security? Should We Convert Our IRAs to Roth? (Richie & Heather, ID - voice)

09:04 - Download the Social Security Handbook

10:01 - What Should I Do With a $1M Single Premium Deferred Indexed Annuity? When Should We Take Social Security? Is 2% Advisor Fee Excessive? (Rebecca and Sam, VA)

28:03 - Calculate your Financial Blueprint online, Schedule an Assessment with a financial professional

29:25 - Why Is My Spouse’s Social Security Benefit So Much Lower Than Mine? (Dan)

30:51 - The Roth Conversion Case for Drawing Social Security After Age 70 (P Ware, YouTube)

36:55 - Would Tax-Free Social Security Income Impact Claiming Strategies? (Jerry, Phoenix, AZ)

42:08 - Outro: Next Week on the YMYW Podcast

John in Pennsylvania doesn’t have bonds in his investment portfolio. Should he add them, and if so, where? That’s today on Your Money, Your Wealth® podcast number 508 with Joe Anderson, CFP® and Big Al Clopine, CPA. The fellas also spitball on retirement plans for James in Tierrasanta, California, who has $4 million plus annuities, Esther in the San Francisco Bay Area, who has nearly $12M net worth, and Tiger and Lioness, who wonder about a safe level of lifestyle creep. Also, Charlie in Castlerock, Colorado has an “exciting” new question on how to balance collecting Social Security with making withdrawals from his pre-tax retirement account for living expenses. And a Worrywart Mom in Seattle asks whether her 27-year-old daughter should focus on paying off her student loans or saving for the future.

Access all the following free financial resources and the episode transcript: https://bit.ly/ymyw-508

DOWNLOAD the Retirement Income Strategies Guide

DOWNLOAD the Social Security Handbook

DOWNLOAD the Retirement Readiness Guide

WATCH Retirement Sabotage! on YMYW TV

REQUEST: Ask Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE: free financial assessment

SUBSCRIBE: YMYW on YouTube

DOWNLOAD: more free guides

READ: financial blogs

WATCH: educational videos

SUBSCRIBE: YMYW Newsletter

Timestamps:

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

00:58 - Where Should We Add Bonds in Our Investment Portfolio? (John, PA)

06:58 - Does Our Retirement Spending Plan Work? What's a Safe Level of Lifestyle Creep? (Tiger & Lioness)

13:39 - Download the Retirement Income Strategies Guide for free

14:24 - Collecting Social Security vs. Living Off of Pre-Tax Retirement Withdrawals (Charlie, Castlerock, CO)

21:52 - Download the Social Security Handbook for free

22:27 - Should 27 Year Old Pay Off Student Loan or Save for the Future? (Worrywart Mom, Seattle, WA)

27:01 - I Have $11.8M Net Worth and Want to Retire in 2 Years. Can I Pull This Off? (Esther, SF Bay Area)

32:41 - Watch Retirement Sabotage: 12 Post-Retirement Money Mistakes to Avoid on YMYW TV, download the Retirement Readiness Guide for free

33:40 - We Have $4M + Annuities and Want $180K/Year in Retirement. What Do You Think? (James, Tierrasanta, CA)

39:42 - Outro: Next Week on the YMYW Podcast