Your Money, Your Wealth

525

Making fun of finance. A "Top 10 Personal Finance Podcast" and "Top 12 Retirement Podcast" (US News & World Report, 2023). One of the "10 Best Personal Finance YouTube Channels" (CardRates, 2023). “Best Retirement Podcast With Humor” (FIPhysician, 2020, 2021, 2022, 2023). 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

Taxable Income, Dividends, Roth & SMA: What's Missing in Your Early Retirement? - 527
Apr 29, 2025 – 42:24
Roth IRA is "The Greatest Account Ever" Per Ed Slott. But Why? - 526
Apr 22, 2025 – 51:11
Risks Threaten Retirement. Rewire Your Plans - 525
Apr 15, 2025 – 55:13
Will the Tax Cuts and Jobs Act Be Extended? - 524
Apr 8, 2025 – 47:27
These Three Investments Make for a Happier Retirement - 523
Apr 1, 2025 – 43:13
Choosing Your Retirement Income Style and Top 5 Ways to Manage Market Volatility - 522
Mar 25, 2025 – 43:15
What’s the Future of Social Security Under the New Administration? - 521
Mar 18, 2025 – 41:49
Haven't Yet Saved a Million. Can We Still Retire Early? - 520
Mar 11, 2025 – 49:38
What's a Safe Withdrawal Rate in Retirement? (So You Won't Run Out of Money) - 519
Mar 4, 2025 – 45:56
Should You Switch Retirement Contributions to Roth? - 518
Feb 25, 2025 – 40:12
0% Capital Gains Tax vs. Roth Conversion vs.... a Cruise? - 517
Feb 18, 2025 – 37:48
Mutual Funds vs. ETFs, Bonds to Bourbon - 516
Feb 11, 2025 – 33:02
Financial Planning for Marriage, Separation, and Singlehood - 515
Feb 4, 2025 – 51:52
Deferred Comp, Roth Strategies, Asset Protection (and Gold) - 514
Jan 28, 2025 – 31:07
I Work in a Toxic Office. Can I Retire Early? - 513
Jan 21, 2025 – 36:25
Choosing the Right Investments for You - 512
Jan 14, 2025 – 36:58
Grow Your Wealth Tax-Free & Retire Sooner: YMYW Best of 2024 - 511
Jan 7, 2025 – 01:02:12
Defusing a Future Tax Bomb With Roth Conversions - 510
Dec 31, 2024 – 33:12
When to Claim Social Security and the Truth About Annuities - 509
Dec 24, 2024 – 43:08
Bonds and Annuities, Social Security and Retirement Spending - 508
Dec 17, 2024 – 41:15
9 Answers to Boost Tax-Free Roth Retirement Income - 507
Dec 10, 2024 – 34:51
How to Plan for 35 Years of Retirement Spending With Smart Roth Conversions - 506
Dec 3, 2024 – 50:39
How to Retire ASAP - and Where to Save to Get There - 505
Nov 26, 2024 – 31:54
Rules for Inheritances and Making Roth Contributions for Others - 504
Nov 19, 2024 – 39:34
When to Pay Off Your Home, Retire, and Do Roth Conversions - 503
Nov 12, 2024 – 52:48
Spitballing Early Retirement for the One Percenters - 502
Nov 5, 2024 – 33:23
How to Reduce the Widow’s Tax Penalty - 501
Oct 29, 2024 – 36:17
Top Funniest Moments From the Your Money, Your Wealth Podcast, Vol. 2 - Ep. 500
Oct 22, 2024 – 50:52
How to Get Into Real Estate Investing, Spitballing Retirement - 499
Oct 15, 2024 – 34:24
Spend RMDs, or Reduce Distributions and Taxes With Roth Conversions? - 498
Oct 8, 2024 – 39:10
Tax-Savvy In-Plan Roth Conversions and Inherited IRA Withdrawals - 497
Oct 1, 2024 – 43:04
Age Plus 20 Rule for Retirement Contributions - 496
Sep 24, 2024 – 36:37
3 Strategies to Pay Roth Conversion Taxes - 495
Sep 17, 2024 – 33:51
How to Get Into the Stock Market: Dollar Cost Average or Go All In? - 494
Sep 10, 2024 – 42:52
How Much Money Do You Need to Retire ASAP? - 493
Sep 3, 2024 – 50:16
Exchange Funds Explained, Roth Conversion Timing - 492
Aug 27, 2024 – 47:20
Alternative Investments, Annuities, and Real Estate Syndications - 491
Aug 20, 2024 – 47:54
Can You Retire? Here’s How to Calculate How Much You Need - 490
Aug 13, 2024 – 50:54
Good Tax Planning Can Save You HOW Much?! Find Out From IRA Guru Ed Slott, CPA - 489
Aug 6, 2024 – 48:55
Market Timing Retirement Withdrawals and Roth Conversions - 488
Jul 30, 2024 – 48:53
Should Siblings Take Out Life Insurance on Parents Before Inheriting $10M? - 487
Jul 23, 2024 – 51:59
How to Pay Less Tax and Invest for Retirement - 486
Jul 16, 2024 – 45:45
Retirement Planning With a Large Age Difference: A Case Study | YMYW Extra - 6
Jul 9, 2024 – 42:21
Spitballing Retirement From Apple to a Tax-Friendly State | YMYW Extra - 5
Jul 2, 2024 – 15:51
Spousal Social Security, Retirement Expenses and Roth Conversions | YMYW Extra - 4
Jun 25, 2024 – 14:50
Happily Ever After in Retirement? | YMYW Extra - 3
Jun 18, 2024 – 17:59
Spitballing Retirement During the Expensive Kid Years - 485
Jun 11, 2024 – 33:44
Roth Conversions vs. Required Minimum Distributions - 484
Jun 4, 2024 – 38:14
Asset Location & Roth Conversion Retirement Spitball | YMYW Extra - 1
May 31, 2024 – 30:34
Slopes Vs. Suits: How Couples Bridge the Retirement Gap - 483
May 28, 2024 – 38:36

Recent Reviews

Patrick.lee829

Please Keep New Format

Love the new format where a topic is briefly tackled in the beginning of the show. I hope it continues.
Bob Gibson

Great Podcast

One of the best out there! Great info. Educational and entertaining.
HLFoss13

Not for me

Had to stop listening. Just felt like they were making fun of the people asking questions every time I listened.
CoachJEB18

4% Rule

Thanks for talking about this especially when the actual promoter of this said that the 4% rule was too conservative and in fact, he reset his to 4.7%.
Donkey kong Detroit

Newbie

Found your show on apple podcast. Very informative & entertaining. Will be listening regularly.
Anonymous12649461

Joe is clearly checked out

Decent advice from Al. Joe can’t follow the questions or the numbers or what’s going on at all. If it’s a complex question he let’s Al take over and then has very little to add. He thinks it’s funny. It’s annoying. I can’t listen anymore because of him. Al needs to drop Joe.
Learning tech stuff

Sage Advise From the “Fun” Guys

Yes. The subject of finance can be a bit boring. But certainly not with these guys and their very sharp and “keep them on track” lady. Thoroughly enjoy most segments although lately these 6 mil dollar guys are not representative of the general public and hence, a bit depressing. Let’s get back to 1 mil or less. Oh, I drive 5 cars(hubby died and I cannot part with them) my 2006 caddy 218,000 miles, our 2015 Nissan Leaf, currently dead in garage, the 2001 Chevy Silverado farm truck, his 2015 F150 Lariat, his 1990 Mazda Miata. My “dogs” as my hubby called them, are registered quarter horse, registered paint/missouri foxtrotter and a mixed breed. I also have Barney the barncat. Favorite drink is water or whole milk.
Ginger 60+

Spitballing experts

I like these guys. Good sense of humor and great spitballing.
Jmomhall

awesome

I really enjoyed you having Ed as aguest
Mr. MX-5

Best podcast

Love the podcast!! My wife referred me to you guys and I can’t get enough. Date night for us now is lighting candles, sipping a Chardonnay or Cabernet Sauvignon, and putting on your podcast 😆 🍷 We take a sip every time someone says Roth conversion or when Joe gets annoyed 😁
bendi1994

Great podcast

I love the banter while spitballing listener questions. Thanks for the information and humor!
Niraj345

Funny and educational

I came across this podcast recently. It’s a great format where they discuss specific listener questions and “spitball” the situation for the listeners. This format helps illustrate the principles of retirement planning. The humor adds to the fun of listening and all 3 hosts have great chemistry with each other.
Ttt111ttt

Strangely Entertaining

I’ve learned some things and had a few laughs listening to this podcast. The CPA has a solid grasp of tax laws and generally provides sound asset management spitballs. However IMO he is overly conservative. He often fails to adjust future income and benefits for inflation while always remembering to doing so for future expenses and RMDs. His sidekick attempts to provide the comic relief. He’s challenged to read the listeners’ questions and often berates them for either including too much or too little info when presenting their questions. He routinely recommends investing 100 percent in roth over traditional accounts regardless of current and expected future tax rates. He says, “you won’t miss the excess money you pay in taxes.” Not what I am looking for in a financial advisor. :O) If you decide to listen to the podcast I suggest getting additional personal finance information from other sources such as Morningstar, WSJ, etc.
Wemby2024

Fun but limited value

Entertaining show with some useful input into retirement strategy. Understandably the “spitballs” are limited in the detail and scope they can provide, so suggestions can come across as repetitive after a few episodes. The feedback provided also is overly conservative at times, failing to consider all guaranteed income or diminished spending as you age when setting appropriate target withdrawal rates.
KelCz

My favorite

I’ve listened to YMYW every week for 3+ years. It’s my favorite personal finance podcast. One thing I like is that Joe and Al don’t always agree on the best approach. So you often get two perspectives on one topic.
GoingToRetire

The best!

I have binge listened to every podcast since 2/14/16 over the past year. I know - Joe would say “get a life.” Best financial podcast by far. Practical, informative, and accurate “advice” in a humorous, humble, and easy to listen to format. Especially helpful for those approaching retirement. Hilarious Joe, Big Al, and adorable Andi are the best!
RetiredPerPlan

Good to listen to for various spitballs for retirement scenarios

Good banter between hosts and different scenarios for retirement so makes a very good listen !
Nacho wizard

Love to listen to this podcast

Thank you for all your knowledge! Your Q&A format keeps things fresh. You never know what type of question will pop up and where Joe and Big Al are going to take the answer. They are clearly knowledgeable professionals, but also like to have fun and have great yin and yang chemistry. My only qualm is the recent questions all sound the same, “I have blah, blah, blah money, can I retire?” I think if you have millions of dollars, you will be able to retire! I miss older episodes with more diverse and nuanced questions. Thanks to Andi for keeping the production value high, and for keeping things from going off the rails!
JG-ORD

Fun and informative

This is a very good finance podcast. The hosts have a great rapport with each other and approach the content in a laid back and easily digestible manner. I have learned a lot listening to them and recommend this podcast to anyone interested in investing and retirement planning.
christhepacerfan

Very well done

Joe and Al do a great job answering questions in a clear and informative manner while keeping the program light with some humor. Keep up the great work! Thanks I lean toward the Mich Ultra LOL
Coco the Monkey 2

Right?

Reasonably good info but they don’t have any confidence in what they are telling you. They constantly say “right?” after they make a statement meaning they don’t have confidence in what they are saying. Strange.
meandering

Entertaining, educational, and engaging

Your money, your wealth offers great information in a laid back, bar stool conversational atmosphere that keeps me coming back for more. There is a great variety of topics covered and I’ve learned a ton about retirement, investing, and tax planning while being entertained. I particularly enjoy the interactions between Andi, Joe, and Al even when things go off the rails. Like anything in life, it’s more enjoyable when you’re having fun, and I’m glad to see they’re still having fun answering questions after so many years.
Mike the Blue collar worker

Total game changer

this podcast really makes you think very far out Into the future.
otisdog5150

Right? Right. Right.

Info is solid but wow they must never listen the their own show to improve. Constantly say “right” after making a statement. Means they lack confidence in what they are saying and need someone to affirm what they just said. Awful habit.
dk_12_24

Entertaining and informative

Show is great. Love the format and ideas presented
jjljr

Best Podcast Combination Of Useful Information And Entertainment

Joe and Al are The Best. the show majors in Common Sense, using just-enough technical knowledge to explain their ideas. they take real-world questions from real-world people. they inform their audience without trying to show-off everything they know. they talk in “plain English” that virtually-anyone will understand. those seeking Hot Stock Tips will be disappointed, but if you’re thinking about how to tiptoe through financial minefields over the long-haul, this is the show you want.
Red building

Excellent, Fun show on personal finance

Joe & big Al make personal finance fun with knowledgeable, practical & wise guidance. We listen to 400+ YMYW shows and always learn some new info from variety of listeners questions. Thanks you Andi in help clarify listeners questions and keep answer focus on situation.
Sue H from Colorado

Great Spitballs!

I look forward to listening to your spitballs each week. Sound financial wisdom which gives me peace of mind to know I can retire and am doing the right things. Thanks so much!
Steve Jones / Las Vegas

Your Money Your Wealth Podcast

Love listening to Joe and Al for years. YMYW is one of my favorite personal finance shows. They recently added Andi Last to their lineup (great addition). They concentrate on preparing your finances for retirement. There are many questions that you should address as you approach retirement. When to claim Social Security and how to make your money last as long as you live; they address those questions and so many more. Funny, informative, entertaining. The only downside to this show is that (after listening) you will abandon your clueless friends who give you nothing but incorrect advice.
Bruegrassboy

Good financial planning talk show

Well informed hosts provide general guidance to emailers and educate you about smart available strategies in the process
lamarearoja

a

1
Interested bystander

Outstanding financial investment advice

Your Money Your Wealth and Talking Real Money are the best financial podcasts. I listen to about 15 podcasts, but I get the most from these two and never miss them.
Fav 1390

My favorite

This is my favorite podcast!
""cs""

Great show

Show is terrible but the profile picks keep me coming back. Keep up the good work!!!
PowellBoyz

Great Info love the show

Loved your show on tv now your podcast is up I won’t miss anything. Thanks for all the good information that helps us prepare for retirement.
Kevin the Accountant

Gotta Be Honest

This podcast is one of the few that is truly painful to listen through. I’m an accountant - I despise change. In a moment of self-reflection, I told myself that I would rid my life of things that provide no value in my life. This podcast was the first thing that came to mind. Al and his toupee I can stomach - though he needs to accept hair loss as his reality. It is Joe that is truly unbearable. Dude, why are you leaning so hard into your provide picture? Why does it look like you are chewing marbles in your lower lip? In your effort to be the “cool CEO”, you come across as a complete beta tool. Here is a suggestion - don’t cater to social security corpses that can’t identify a browser outside of Netscape. Be a bit more forward thinking. Sorry, I can’t get over how creepy Joe looks peaking over toupee Al in the pod profile pic.
smith2837

Love this show

My favorite show to learn!
Hartford Steve

Steve

This podcast always makes me chuckle. And it’s informative too.
delcojohn

Great show

Always an informative and entertaining show. Comedic input helps ! Always anxious for the next episode
rams guy

Excellent

Very informative and the fellas are very funny! Money golf and drinks what could better???
Beeline51

Entertaining and informative

Joe, Big Al, and Andy provide a humorous take on investing. Just stumbled on this podcast a couple of weeks ago. Give it a listen and you’ll be hooked.
Sweet Magnolia Brown

I love this podcast

Just found the podcast and am learning something new every new episode. I like the format, as each person has a different financial journey which I find intriguing. The host are informative, knowledgeable, funny and approachable. Like you’re talking to your favorite uncles.
Bcf06877

Great podcast.. educational and funny!

This is one of my favorite podcasts on personal finance and retirement. Joe and big Al are like the Siskel and Ebert (movie critics for those who remember them) of personal finance, often providing different perspectives, and not always agreeing! Shows are funny, informative, and always entertaining. I never miss an episode.
RobertB 1860

Love the Humor

I used to listen to Bob Brinker on Saturday and Sunday’s for years until he retired from radio. I found Joe and Al’s podcast a few years ago and always look forward to their weekly podcast. It’s so educational and humorous! Thanks again, Robert
Never Too Early

Nothing better!

I laugh and learn while listening to Your Money, Your Wealthy! Deeper than most financial podcasts but Joe and Al always walk through their thoughts so we can follow. Love this!
DMTobisk

Entertaining Financial Advice? This Is It!

Tuesday is the day Your Money Your Wealth downloads to my podcast feed, usually around 10:00 am EST. Why am I fixed on this day and time? Because I really look forward to it—in a way that I can’t say applies to any other podcast (though I listen to lots). Joe, Al, and Andi are a great team, and their willingness to answer complex financial questions from listeners (sometimes long-winded, which Joe might complain about, though he’ll answer anyway) is remarkable. Every episode is filled with information, and there are show notes posted on the show’s website that are extremely helpful to read over if there’s an super-detailed discussion. And all this is actually entertaining, not dry and never boring. If you don’t laugh out loud once or twice per podcast, and smile even more, then you must be having a very bad day. Listen, learn, and laugh!
hoicvlf

ROTHapalooza

Finally I have caught up to the live show after a year of listening. Joe and Al have changed my life; for the better! I find guidance and motivation listening to them and not the bonehead Warren buffets at the water coolers or the bars. Can’t thank them enough for the help they and Mr. Stokes at Pure have provided me and family already.
ProJockLooper

Great Info & Entertaining

I really like the chemistry between Joe and Big Al. The structure of their show is great. I especially like the spit ball approach. Highly recommended!
browniestarmite

Distracting

I followed and unfollowed this show twice. I tried to like this podcast, but the flippant language of on the hosts was so distracting to the subject being discussed.
BCMusicLover

Awesome, fun and very educational

This podcast is fun to listen and because it doesn’t get into the weeds is not only a fun but easy way to get educated on a full and wide view of personal finance topics and approaches. While it is not advice, sound approaches, opinions and things to consider are provided, in a fun and easily understandable way, making this a must in my opinion.