More Podcasts
Joe and Big Al spitball considerations for a few listener retirement plans, including investing in brokerage and Roth instead of pre-tax, getting tax diversification, taking the pension lump sum or annuity, paying for college education, and calculating a “retirement number” to put your savings on autopilot. Plus, what life insurance “investment” has a purported “guaranteed” […]
Should you tax gain harvest or do a Roth IRA conversion? Should active or passive investments go in retirement accounts? If you’re on the younger side, why own bonds? Are Vanguard Roth accounts any better or worse than others? What’s the break-even on taking Social Security early vs. late? Should you convert your 401(k) or […]
Joe and Big Al take a look at an investing strategy a listener set up for his parents, and they run the numbers on their variable annuity. They also kick the tires on an early retirement plan and they discuss equity allocations in a portfolio. And since no YMYW is complete without a little Roth […]
Is it possible to do a Roth IRA conversion with a Coronavirus-Related Distribution from your retirement accounts? Joe and Big Al will explain whether you can and if you should. Plus, more stimulus payment questions, charitable giving strategies from your required minimum distribution (RMD), selling stock for tax-free capital gains, and an analysis of exchange-traded […]
Roth IRA contributions and conversions come with plenty of rules: contribution rules, withdrawal rules, safe harbor rules, pro-rata and aggregation rules. In this episode, we explain these rules, and how they apply to both traditional retirement plans, and to accounts like SEP IRAs and thrift savings plans (TSP). Plus, understanding small-cap, mid-cap, large-cap, value, and […]
Should market volatility and the economic downturn due to the COVID-19 pandemic change where you save for retirement? Should contributions go to pre-tax accounts or to post-tax Roth accounts? Plus, Coronavirus related distributions, how to use a PPP loan to pay your self-employed self, backdoor Roth IRA conversions, and strategies for funding a Roth IRA […]
In this jam-packed episode of the Your Money, Your Wealth® podcast, stimulus payments for self-employed, dependents, and those who message us on Facebook, plus, the paycheck protection program, coronavirus-related distributions, Roth and Backdoor Roth conversions, tax-loss harvesting, and the solo 401(k). Subscribe to the YMYW podcast Subscribe to the YMYW podcast newsletter FOLLOW US: YouTube […]
In these volatile financial markets, are you reconsidering your investing strategies? Joe and Big Al discuss where and when to invest cash, selling stocks in taxable accounts and repurchasing them in tax-deferred accounts, doing nothing and staying globally diversified, writing an investment policy statement, rebalancing more frequently, and doing Roth conversions, as well as fixed […]
With volatility, should you time the market and change the asset allocation of your investment portfolio, your pension, or your Thrift Savings Plan (TSP)? Plus, asset location: should equities be in a brokerage account, Roth IRA or traditional IRA? And diversification vs. concentration, calculating how much you’ll have in retirement, how to get there from […]
Joe and Big Al discuss 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 the fellas touch on real estate investing with 1031 exchanges and qualified opportunity zones, and they answer your questions on the SECURE Act, IRA […]
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 […]
Joe & Big Al explain, once and for all, the 5-year clocks for Roth conversions and Roth contributions, and pro-rata rules. We’ll also find out what they think about holding cash until the inevitable economic downturn, lump-sum investing versus dollar-cost averaging, and the Total World Stock Index Fund. Subscribe to the YMYW podcast Subscribe to […]
Cameron Huddleston discusses her book, Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances. But first, we talk glide path: should you invest more aggressively through retirement? Which assets should you spend before you take Social Security? What should your portfolio withdrawal strategy be if you don’t […]
You’ve sold your primary residence or your rental property. How should you invest real estate proceeds for retirement? When do Joe and Big Al say you shouldn’t do a Roth conversion? What’s the math on federal vs state taxes when doing a Roth conversion if you move to a no income tax state? And how […]
This week’s questions all revolve around what to do with your money – and everyone’s circumstances are different. What to do with a 401(k) after you retire and don’t really need the money just yet? What to do with cash in savings? Is the Papa Bear portfolio a good one? How best to save for […]
