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Where to Save for Early Retirement?

Asset location strategies, liquidity, and building up tax-free Roth IRA money when retiring early, how growth is taxed in taxable accounts, the pros and cons of rolling an employer retirement plan into a traditional IRA, how stock futures are determined and why stock price matters, and buying 8-week treasuries. And, if you’re planning to make a killing on eBay or at your next garage sale, the fellas get into the weeds on how to maximize your tax savings.

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13
DEC
2022
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Spitballing Retirement Planning in Your 30s

Setting up your saving and investing strategies when you’re in your 30s can put you on a good path to meeting your retirement goals. Joe and Big Al revisit their financial spitballing over the last couple of years specifically for savers and investors in their 30s and even 20s, some of whom want to retire early.

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16
AUG
2022
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Can We Retire Early? Investing and Retirement “Rothification”

Will the Senate pass the SECURE Act 2.0, and will it require a Roth option for retirement savings? Plus, “pandemic unemployment” from the CARES Act and the earned income tax credit. Next, are you eligible to make Roth contributions, and should you contribute only to Roth for retirement? Then, the pros and cons of consolidating retirement accounts, and some early retirement spitball analyses. When you plan to retire early, should you invest in dividend-paying stocks or real estate? And finally, is the bucket investing strategy really that complicated? 

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Free Financial Assessment

12
APR
2022
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SEASON 7, EPISODE 15

Retirement Blind Spots: Avoid Sabotaging Your Financial Plan

On your road to retirement have you stayed too focused on just socking money away without considering blind spots that could sabotage your overall financial plan? From unexpected out-of-pocket expenses to untimely market downturns, you can lower the impact of these events by planning for them. Financial professionals Joe Anderson and Alan Clopine highlight the […]

16
JAN
2022
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Medicare, Social Security, and FIRE Early Retirement

How to calculate your modified adjusted gross income (MAGI) for Medicare IRMAA, calculating your Social Security benefit when you’re planning to FIRE (that is, reach Financial Independence and Retire Early), calculating family Social Security benefits when you have minor children, and devising a strategy to qualify for the Obamacare Affordable Care Act subsidy. Plus, doing Roth conversions prior to early retirement, and untangling stock options, long-term incentives, and restricted stock units.

REGISTER NOW | MEDICARE MADE CLEAR Webinar

Wednesday, October 20, 12 pm PDT (free online event!)

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Free Financial Assessment

19
OCT
2021
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Working or Retiring Abroad and Early Retirement Spitball

Questions answered on retiring overseas and foreign earned income exclusion eligibility, using your tax refund thanks to the foreign earned income exclusion for a back door Roth conversion, and working abroad and contributing to a health savings account (HSA). Plus, should you contribute to Roth accounts, pre-tax accounts, or a brokerage account when nearing early retirement? Are substantially equal periodic payments (SEPP) from your retirement savings a good idea to bridge the gap between retiring early and age 59 and a half? And finally, is it ever a good time to time the market?

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Free Financial Assessment

28
SEP
2021
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Early Retirement Spitball Analysis

You’ve had enough of the 9 to 5 and are ready to punch early. Are you financially prepared for a long and early retirement? Joe and Big Al provide a spitball analysis. And of course, the ever-popular Roth IRA conversions: how much to convert to Roth, when and how to pay the tax on a Roth conversion, and why not pay Roth conversion taxes out of the retirement account you’re converting from?

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Free Financial Assessment

31
AUG
2021
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Ask the Experts: Timing the Market

Question: I got out of the market after the pandemic hit. How do I know when to get back in? – Mark, Vista Watch the full episode, FIRE: Financial Independence or Fad? Make sure to subscribe to our channel for more helpful tips and the latest episodes of “Your Money, Your Wealth.” 

29
AUG
2021
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Ask the Experts: Retiring a Year Later

Question: I was on track to retire this year, but I’m concerned about retiring now. My retirement account balances are down, so I don’t want to pull out the money to live on. Can putting off retiring for a year or two make a significant impact on my overall retirement funds or am I overthinking […]

28
AUG
2021
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FIRE: Is It Right For You?

While the FIRE Movement is not for everyone, there are concepts that we all can take from it to improve our own retirement: Don’t Wait – Plan for Retirement Now Try to Reduce Your Expenses Try to Increase Your Income Save, Save, Save & Invest Watch the full episode, FIRE: Financial Independence or Fad? Make […]

27
AUG
2021
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FIRE: What Are the Risks?

Even though most people could benefit from the FIRE Movement concepts it’s important to mention some rather large risks and pitfalls with retiring early. You may not have enough money with life changes Your professional skills may be diminished if you try to re-enter the job market The stock market may have a prolonged downturn […]

26
AUG
2021
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FIRE: What Is It?

One of the best ways to increase your savings rate is to control what you can control – your spending. Here are a few basic pillars of the FIRE movement. Let’s see if you’re up for these: Low-Cost Housing Buy Used Cars Minimize Eating Out Use Travel Rewards Tax Optimize Add Income with a Side […]

25
AUG
2021
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FIRE: Does the Math ADD-UP?

You need to understand how to calculate the number of years it will take to reach financial independence. In traditional retirement planning, you tend to focus on a certain age to retire. With the FIRE Movement, you focus on how quickly you can become financially independent. Calculation Example: Years to Financial Independence (FI) Annual Expenses […]

24
AUG
2021
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FIRE: Financial Independence Retiring Early

A movement getting a great deal of attention on the financial channels is called Financial Independence – Retiring Early or FIRE. The concept requires that you spend significantly less than what you earn for a decade or two – and with compound interest, you could retire well before a typical retirement age of 65. In […]

23
AUG
2021
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Ask the Experts: Roth Conversion in Retirement

Question: I’m 46 and I want to start doing Roth conversions. Should I wait until I retire to avoid paying higher taxes or are there issues with putting it off? Watch the full episode, SECURE Act Savvy Make sure to subscribe to our channel for more helpful tips and the latest episodes of “Your Money, […]

15
JUL
2021
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