Joe Anderson
ABOUT Joseph

As President of Pure Financial Advisors, Joe Anderson has led the company to achieve over $2 billion in assets under management and has grown their client base to over 2,160 in just ten years of the firm opening. When Joe began working with Pure Financial in 2008, they had almost no clients, negative revenue and no [...]

Alan Clopine

Alan Clopine is the CEO & CFO of Pure Financial Advisors. He currently leads Pure Financial Advisors along with Michael Fenison and Joe Anderson. Alan joined the firm about one year after it was established. At that time the company had less than 100 clients and approximately $50 million of assets under management. As of [...]

Joe says, “if you get anything out of this show, this is it – pay yourself first.” Find out why paying yourself first – or having a method of automatically saving for retirement – is the secret to a wealthy and successful retirement.

Read blog post: Backward Budgeting: How to Never Budget Again


“Here’s a big one – once you figure out that goal, pay yourself first – and that just simply means make this automatic. Use your company retirement plan if you have one (a 401(k), a 403(b), etc). If you don’t have a company pension plan, 401(k) or 403(b), then go ahead and set up your own IRA (individual retirement account) or Roth IRA, do a direct transfer. A direct transfer simply means you’re going to have to call up your bank, set up a brokerage account and have that money come from your bank account each and every month before you start spending money on your own bills. That’s what the ‘pay yourself first’ concept is. If you get anything out of this show, this is it – pay yourself first. The most successful, wealthiest people figure this out. If you pay yourself last, guess what – you’re not going to pay yourself. Make sure that when you get that paycheck, you put it in your 401(k) plan or IRA or money market account or Roth. Pay yourself first and spend everything else. It’s that easy.”