Show Notes

• 00:00 – Intro: This Week on the YMYW Podcast with Joe Anderson, CFP® and Marc Horner, CFP®
• 00:49 – Our Tax Triangle is Lopsided. Should One of Us Get a Part Time Job? (Rae and Roy, Central CA)
• 12:03 – Watch 15 Maneuvers to Duck an Unplanned Early Retirement Knockout, Calculate your Financial Blueprint, Schedule a Financial Assessment
• 13:11 – I’d Like to Retire in 2 Years. Willing to Work 3 More to Make it Work (Elwood Blues, IL)
• 27:10 – Next Week on YMYW Podcast: The One Big Beautiful Bill + More
• 27:40 – Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw), YMYW Podcast Outro

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Transcription

(NOTE: Transcriptions are an approximation and may not be entirely correct)

Intro: This Week on the YMYW Podcast

Andi: You’ve heard Joe and Big Al talk about the benefits of tax diversification in retirement. That is, having money in tax-deferred, tax-free, and taxable accounts. But what should you do if this tax triangle of yours is lopsided? Joe and our special guest co-host, Marc Horner, CFP®, spitball on this quandary for Rae and Roy in Central California, today on Your Money, Your Wealth® podcast number 544. Plus, do Rae or Roy need to get a part time job? Also, Elwood Blues in Illinois would like to retire in two years, but is willing to go for 3 more to make his retirement plan work. Joe and Marc spitball on when Elwood can really put down that harmonica. I’m Executive Producer Andi Last, and here are the hosts of Your Money, Your Wealth®, Joe Anderson, CFP®, and sitting in for Big Al Clopine, CPA, Marc Horner, CFP®.

Our Tax Triangle is Lopsided. Should One of Us Get a Part-Time Job? (Rae and Roy, Central CA)

Joe: Rae and Roy, let’s go here. Howdy. Joe, L Andi, I’m Rae and my husband’s Roy. That’s cute. Little Rae and Roy. We drive an old Toyota four runner when we’re exploring off road and have recently purchased a Mazda Hybrid for our daily trips to town. We like a little scotch or bourbon on the rocks when it the weekend hits.

We enjoy looking at the stars around the fire pit. Oh, Rae and Roy, you are so lovely. Just beautiful. Central California is our home. Here are our numbers that Andi asked for in her helpful video found on the Pure Financial website. You made a video, Andi

Andi: Joe, I told you about this like six months ago. If you go to the Ask Joe and Big Al page, there’s a video from me that explains to you how to get a good spitball. So obviously Rae and Roy have used it.

Joe: Very cool. I should go there.

Andi: You should get to know our website, Joe, PureFinancial.com. You’ll love it.

Marc: You probably take a little gander at that, right? Less time on Instagram. Come on, buddy.

Joe: Oh, man. All right. Let’s see. We’ve, we have $2 million saved for retirement. 85% in taxable accounts and 10% in tax Deferred, 5% in tax free. Wow. Okay. What’s, this is interesting. 2 million bucks. Only 10% of that is in a retirement account, and everything’s more or less in a brokerage.

Brokerage. Yeah. All right. Our fixed income, that’s annual incomes.

Marc: That is unique.

Joe: Yep. Our fixed annual income will be $50,000 to start, and then after Roy reaches age 67 will have $20,000 more. We plan on retiring this summer at ages 59 and 62. We would like to spend $96,000 annually. Question of course.

Quick spitball, please. Should one of us get a part-time job? Number two, you may have noticed our tax triangle is a bit lopsided. Yeah. Well, yes we did there. Rae and Roy. is this a problem? We assume it is best to spend down their brokerage account first, correct? no. we wanna get on the Roth train.

How can we best move funds from our taxable into Roth accounts? Will a teacher’s pension or Social Security count as earned income? And finally, how can we reduce tax liability as we begin to spend down? One of us is a huge fan of the podcast. That’s my favorite line in the whole email. One of us, one is a huge fan.

For some reason it is relaxing to hear how you guys make sense of random people’s financial chaos in mathematical mumbo jumbo. Thanks for helping so many of us work towards financial peace. Aloha, Rae and Roy.

Andi: So Rae is just listening and hanging onto every word and dragging Roy along. And Roy is like, can you please make me not make me listen to these idiots

Marc: Enough of these clowns.

Joe: Yeah. Roy, we gotta convert ’em. Okay. so yeah, what do you think convert them to Ross? if she is a little lopsided here, what do you think? Okay, so what do you think, how did this happen? How do you get, how did this happen? Do you have an idea of what, how they got such a lopsided tax triangle?

It’s not even a, it’s an octagon or whatever. I mean, what’s a, it is an octagon.

Marc: May, maybe one, of them being a teacher. They, they, just figured, ah, the pension’s gonna take care of me. I don’t need to, I don’t need to worry about, I don’t need to worry about saving more into the, into deferred accounts.

I’ll, just, save what we’ve got in the, taxable accounts and the pension will be there for me.

Joe: What, Yeah. So the $50,000 fixed income is that Rae’s teacher pension? Do you think

Marc: That’s how I’m reading between the lines. When they, make, yeah. And then 20,000

Joe: Yeah.

is gonna be Roy’s Social Security. So they’re gonna have, yeah. And it says when Roy

Andi: reaches age 67, we’ll have 20 K more in Social Security. So it sounds like only Roy is going to be getting that Social Security.

Joe: Well, I don’t know, with the new Social Security law that passed,

Andi: that’s what I was gonna ask. Yeah. Is the Social Security a fairness act gonna make it so that Rae actually has more money than she thinks?

Joe: Wow. Look at you. Just throughout the exact tax. Wow. the, Social Security Fairness Act is that

Andi: you were on vacation and Al and Susan Brandeis just talked it out. I learned everything.

Joe: Yeah. I, call it, yeah. That new Social Security thing that came out and like you Yeah. You mean the Social Security fairness and, respect act of 2025

Marc: Exactly. Passed on June 12th.

Andi: I learned from Big Al!

Joe: with the, okay, so, alright. Fixed income of $70,000. They wanna spend a hundred, so they’re gonna be short $30,000. They have $2 million. they’re looking pretty good. Even if they have to bridge the gap once all fixed income arrives, they need 30,000, they got two. Even if they spend down a million, that’s only 3% on a million. so the math works here. So let’s talk about some other strategies. so spitball, should we get a part-time job, mark?

I don’t think they need a part-time job.

Marc: Well, I kind of think that they do. I’m okay. I’m, yeah, so I’m, thinking that, the time around the fire pit. So we like little scotch and bourbon on the rocks and the weekend hits. Enjoy looking at the stars around the fire pit. I’m imagining that they’ve been doing their working thing, their working career for a little while, and then the end of the week comes and then they reconnect around the fire pit.

And have a, glorious, time. I think there’s risk that the fire put, the fire pit joy could fall apart if they’re around each other seven days a week, 24/7, that may, that maybe just out of the gate, they should experience, one of them should have a part-time job because absence makes the heart grow fonder.

So, and, but instead of being around each other. too much. I’d love to. I would like to see them not for financial reasons, for harmony and Central California reasons. One of them get a part-time job.

Joe: Okay. No, I’d like, yeah, there’s a survey that was ran, you know, retirees and men and women have different visions of what retirement looks like.

So they asked, and there, there was couples, I forget the exact survey and when it was done, but I kind of know the punchline here. And so, you know, they asked the both spouses separately, what, how do they wanna spend their retirement and what does that look like? And so they asked the male, and the male goes, you know, I really wanna spend a lot more time with family.

Marc: yeah.

Joe: I, wanna spend more time with my wife and, you know, we wanna travel, we wanna do different things. And that was the number one thing for most males. And then they asked the wife and the female, it’s like, okay, what do you want to do? And it was spending more time with my husband, but it didn’t even make the top 10, you know?

Marc: No, page three. Yeah.

Joe: And so you get the husband kind of like in, in, the way. You know? Hey honey, it’s 10:00 AM Can we go to the fire pit and have some scotch? I don’t. I don’t think so. She’s like, what do you, no, that it’s not the routine. Oh, that’s gonna be me when I retire, honey. It’s like eight 30, let’s go.

He’s like 8:30 AM Oh sheee… All right. Well, I’ll see you in a few hours.

Marc: Like that. So the extra income, a part-time job, I mean, that’s, that’d be nice. Gravy on top. But it’s more, yeah, but more, for, more for relationship reasons.

Joe: is your tax triangle lopsided? No, absolutely not. I would much rather have 85% of my wealth in a taxable account versus a tax deferred account.

Ideally, I would want everything into a Roth, but so you, you have, almost a couple million dollars in a taxable account. The only thing that you have to be. Concerned with, or it’s not even a concern is how those dollars are invested. Yeah. Because the interest in dividends and capital gains and everything else, all of that is gonna spit out and it’s gonna end up on your, tax return.

which she’s already realizing because she has those dollars. So you wanna be a little bit more tax efficient with them. and then you could create a lot of income from those accounts at a 0% tax bracket. Absolutely. you’re gonna be in a very low bracket and you could do conversions with the 10% that you have, the $200,000 over time.

Get everything then into a Roth and a brokerage account. I mean, I think you’re sitting pretty.

Marc: Absolutely. Absolutely. I thought, exactly the same thing when she asked about how do we reduce our tax liability. I was not understanding why there’s a tax liability problem, and I think you hit the nail on the head.

My, my guess it’s the investments are not structured the way that they should be.

Joe: Yep.

Marc: Or as efficiently as they should be.

Joe: Because it the, you do it right there. There’s very little tax, if any. There should be. Yep. So, you know, you could do tax loss harvesting. maybe think about, there, there’s, the, technology today, in regards to investment structure in tax efficiency of these structures is crazy.

it’s crazy. So, you know, even though you have several million dollars in a non-qualified account, you can almost. Always zero or, close to zero. The, tax out just because of your standard deduction is X. And then the capital gains rate as a married couple, it’s pretty high, and that’s a 0% cap gains rate.

So, So, yeah, I think it’s just fine tuning that you’re gonna be very little tax. how do I put more money into Roth? I don’t know if you need to, if you do this right, because you’ll probably be in the 0% tax bracket for life. but you, I guess with Mark’s suggestion. You have Roy continue to work and if he works, then you can do, he could do Roth IRAs, you could do a spousal Roth ira as long as there’s earned income, right?

So if you have earned income of $5,000. You can do a Roth contribution of 5,000. If you have higher income, you can go up to the IRA contribution limits and then both spouses can do Roth even though that one spouse is working. So, I mean, that’s one way. There’s, you know, there’s different ways.

Marc: and I don’t wanna pick on Roy. I would say whoever doesn’t like the podcast should go get a part-time job.

Joe: That’s definitely Roy. Yeah, definitely Roy, yeah. Rae loves it. You, got him nailed.

Watch 15 Maneuvers to Duck an Unplanned Early Retirement Knockout, Calculate your Financial Blueprint, Schedule a Financial Assessment

Andi: Your Money, Your Wealth is all about planning for retirement. But what about when something unexpected happens? The infamous boxer Mike Tyson said, “Everyone has a plan until you get hit in the face.” If you’re among the 49% of Americans punched in the face by an unplanned early retirement, trainers Joe Anderson, CFP® and Big Al Clopine, CPA will get you into shape this week on a brand-new episode of Your Money, Your Wealth® TV, with 15 defensive maneuvers that’ll help you bob and weave, slip, and duck the knockout of retiring earlier than you expected. Click or tap the links in the episode description to watch YMYW TV and to calculate your free Financial Blueprint. You input what you have now and what you want for the future, and the Financial Blueprint will output three scenarios illustrating what you’ll need to get there. It’s yours free, courtesy of Your Money, Your Wealth, and Pure Financial Advisors. The next step? Schedule a one-on-one face-to-face meeting, either in person or via Zoom, with one of the experienced professional “trainers” on the Pure team to go over your Blueprint results and to help you craft a plan unique to your needs and goals for retirement. Click or tap the links in the episode description to begin planning for your financial future.

I’d Like to Retire in 2 Years. Willing to Work 3 More to Make it Work (Elwood Blues, IL)

Joe: All right. Here we go. We got a little Blues Brothers. Man. I like the movie reference.

Andi: Yes, they know you Joe. They know that’s gonna, it’s gonna get you, that’s gonna get ’em on the air.

Joe: Elwood Blues. Elwood

Andi: We got sunglasses on. It’s dark. We’re being chased by the police. Let’s go.

Joe: I got a pack of C. What? We got two packs of cigarettes and something. What’s the line?

Marc: I got two packs of cigarettes, a half a tank of gas. We’re wearing sunglasses and it’s, day and it’s night out. Yep. It’s so, it’s something like that.

Andi: Hit it. Yeah.

Joe: Hit it. Hit it. Hit it. Oh man. What a great movie That was fantastic.

Fantastic. You don’t movies like that, don’t

Andi: And the musicians? Geez, they’re incredible.

Marc: Yeah. No, they they don’t make movies like that anymore.

Joe: I mean, you had everyone in that movie, Aretha Franklin what? Ray Charles? Yeah.

Marc: Ray Charles,

Joe: yep. Yeah.

Andi: John Lee Hooker was in the first one, wasn’t he?

Marc: John? John Lee Hooker.

Yeah. He was.

Joe: All right, let’s, I discovered your show about six months ago, so of course I still love it. Perfect. Month seven. They’re done. I thought like three episodes. They just said, no, this, stuff sucks. but thank you Elwood for hanging in there. You know, it’s an inquired taste.

You might leave, but you’ll come back and then you’ll leave again. Yep. I drive a 2023 F-150 and my wife a 2022 Acura. A per, I prefer an IPA, a lot of, IPA drinkers, lot of IPA.

Andi: What’s your drink of choice, Marc?

Marc: Oh, I’m not picky. I am not, I am not picky. I would say the only thing that I will turn my nose up at consistently is Malort.

Andi: Okay.

Marc: Do you know that drink, Andi?

Andi: I have seen a sign in front of the bar down the street from, the house that I used to live in San Diego that said, “bring your friends for the Malort. They will hate it.” And I was like, okay, that’s just, okay. Whatever.

Marc: Yes. I’m fairly certain it’s distilled from Wormwood, which is about enough information that I need about the quality of the drink.

Andi: Got it. Okay.

Joe: Anyway, back to Elwood. let’s see. I prefer an IPA, not hazy or bourbon. All right. And my wife likes red wine. we are both 57 are looking to retire in the next couple of years. We spent about two 50, $300,000 a year in today’s dollars, we have $1.9 million in IRAs, $575,000 in the old Roth, 400,004 57 in 5 million.

That’s a big number there. 5 million. Yeah, it is in a brokerage account. All waiting. The be tax, how do you get 5 million in a brokerage account and $1.9 million in an IRA? He’s gotta, let’s see, let me, let’s, play Guess that occupation?

Andi: Well read the next sentence, the next

Joe: two sentences. Saving about $300,000 yearly between IR and brokerage.

So if he’s alright, no pension. Should have an additional deferred comp of another 1.5 million paid six months after retirement. No debt, no kids. Kids are adults more or less on their own. No willing to work three years if needed. We would love a little spitball and always look forward to your podcast as they are lighthearted in entertaining.

Thanks from the roadhouse. Alright.

Marc: Alright. Is that, a reference to, is that a reference to the Blues Brothers? That’s where they were,

Joe: that’s where like John CAndi remember was like sitting in the back with that. Was, that was like Uncle Bob’s the band. Was Bob’s old

Marc: Country Bunker or No?

the Roadhouse was at the, was the last scene the where the, where they did the final performance? Or is this a reference to one of the greatest movies of all time?

Joe: Oh, Roadhouse. Yeah. Patrick Road. Road

Marc: Roadhouse. Yes.

Joe: Yeah. I don’t know if that is one of the best movies of all time. Oh man.

Marc: Pat Godfather, Shawshank Redemption Roadhouse.

Joe: all right. Name that occupation. Mark Horner. What do you think this guy does?

Marc: this, he, Elwood is a corporate executive for a, I’m thinking a public company somewhere in Chicago.

Joe: Okay. Yep. That’s what he didn’t. Yeah. All right. So yeah, he’s outta Chicago Elwood, that’s a, great Chicago movie of all time.

yeah, I agree. He’s got the deferred comp and he’s got a ton of non quals. So those are RSUs, those are stock options. Those are, yep. I bet he’s worked there. He’s 57. He is probably been there 20 some odd years.

Marc: Yep. Yep. He came in the management training program at, and, he’s a, high flyer on the inside.

On the inside track there.

Joe: so very good. Five. Alright, so he’s got nine, what? 8 million bucks? He wants to spend a couple hundred thousand. So, yeah, I think you’re good, right? I think you’re good. let’s kind of break this down. What’s his question? He just wants a little spitball here. Just kind of.

Figure out what is, his question? Andi, do you got his question? Yeah. He says we would love a

Andi: spitball and always looking forward to your podcast. So yeah, they just wanna make sure that they’re on track if they’re able to spend 2,250 to $300,000 a year given their $7.875 million portfolio and their $1.5 million of deferred comp coming in.

Are they good? I guess you answered it. The answer is yes. What kind of information and why are we looking at that here?

Joe: Super tough one here. So 300,000? Yeah, you could retire. you have close to 10 million, 3% burn rate on $10 million is 300,000 plus tax. Plus the cost of living. I think you’re good. This is not even including any other fixed income sources, such as your Social Security that’s gonna come in whenever you claim that.

So, breaking this is what we would call

Andi: a brag maybe.

Joe: Well, I don’t know. He’s kind of pounding. he’s pounding the table a little bit. He’s kind of feeling good. Just wanted to hear confirmation if he can blow out of ExxonMobil or what’s a,

Marc: exactly, Yeah. So right in Elwood defense, I mean, he’s spending his time worrying about the next oil spill.

not, in the financial planning business. So, yeah, so he is, that’s why he is leaning on, he’s leaning on this ragtag group of experts.

Joe: Let’s see. Tax. Alright. He is got $575,000 in Roth. So yeah, a again, I think the tax play on this is gonna be alright. He has to take this $1.5 million in deferred comp.

So for those of you. Keep in score what deferred comp is. If you’re an executive at one of these big, nice fortune 50 firms is that you can con you, you can defer some of your compensation into a deferred comp plan. Hence the name. the pros and cons to that is that it’s all pre-tax. it grows tax deferred.

In some cases you can pick the investment, some cases you can’t, depending on the plan. so in like very big income years, so I would imagine Elwood would re like received options or he is, he’s exercising. Yep. Or maybe he got restricted stock. And so all of that is tax at ordinary income. So. He was like, well, here, maybe I can defer some other income to, to kind of help that tax burden in those years.

the bad thing about deferred comp plan is that, I mean, it’s a fixed payment coming out and it’s all ordinary income, so you have zero control of the taxes as it comes out. second, it’s, it sits on the balance sheet of the company, you know?

Marc: Yep. If the company goes predator. Yeah. Yeah.

So, yeah. Yeah. No, Yeah. If the company goes under, Ciara deferred comp, I’ve seen, some deferred comp plans that, That they might, you might have an option to spread out the payments to try to, so that you don’t get 1,000,005 of income all in one. All in one year and, maybe, oh yeah, for sure.

Joe: Yeah. And, but the downside of that is that you have to select what your payment’s going to be the year before you defer.

Marc: Yeah.

Joe: So is it a 10 year deferment? Is it, a five year deferment because it’s, or sometimes you could even go up to 15 years. But I don’t know. God, I read something, and it must have been on Instagram, because the, the, stat didn’t seem real to me.

It’s like, you know, back in the day, companies lasted 60 years. You know, today, companies last 15 years, because there’s mergers, acquisitions, there’s consolidation. Yeah. Depending on what, field that you’re in. You know, the big stable companies, you know, as technology increases and things like that, you don’t see maybe, I don’t know if in our lifetimes we’ll see companies like GE anymore that we’re around for a hundred years.

The longer the payment, the more risk that you’re taking on in this deferred comp, so it’s like, all right, well. I don’t know how long this company’s gonna be, or even large big comp, like Kodak, right? Yeah. I mean, we could go on and on. There’s airlines, there’s all sorts of different industries and companies that were at the pinnacle of their lifespan and you know, several years later, they’re no longer

Marc: the Lehman Brothers deferred comp plan.

Probably didn’t work out too well.

Joe: No. Bears worked out pretty well, though. I heard. Oh.

so is the

Andi: point of a deferred comp plan for the companies that you’re talking about, you know, the thing that you read on Instagram, you know, old companies lasted for 60 years, now they’re lasting for 15. Are they creating these deferred comp plans with the idea that in the case that we do go bust, we’re not on the hook for that money?

You know, we can get the high, quality talent without necessarily have to paying them. Have to pay them right up front.

Joe: No,

I don’t think anyone goes into business looking to, you know, to set these plans up to go bust it to help their p and l. it’s definitely a, recruitment tool for Yeah.

High quality executives to say, you know, we have other benefits that maybe XYZ company doesn’t have. there’s some cool tax plays that you can deal, this is gonna enhance and enrich your overall retirement. and so on and so forth. So, you know, the, because the old rule of thumb. I think it’s true for probably 90% of Americans is that, you know, most people will be in a lower tax bracket in retirement unless you’ve saved a ton of money in tax deferred accounts.

or you have very large pensions and you’ve saved a ton of money in tax deferred accounts. So you know, the deferred comp. Let’s say you’re in the highest bracket, you can defer some of your compensation and then when that compensation comes back to you when you’re retired, you know, in most cases you could be in a lower tax bracket, so there’s that tax arbitrage.

but in this guy’s case, I don’t know, you got $5 million of non-qualified accounts. I would like to see how that’s invested and how much interest in dividends is kicking off of that. You have a deferred comp payment. Let’s say it’s over 10 years, that’s $150,000. If it’s over five, it’s 300,000. That’s all ordinary income.

You know, if tax rates go up, you know, you could lose some more of that depending on when he wants to retire. you know, it just kind of hurts some of the tax planning that you could do. ’cause if you’re at $300,000 of like fixed income in retirement, you’re not gonna be doing conversions. Yeah. So. But, so,

Marc: so if we’re, at all right, that he, is a high flying, public company executive, also looking at what company stock might be sitting in that brokerage account with some sort of super low basis, maybe they’re, charitably inclined and there’s a gifting opportunity to do some gifting and pair that with a, with getting more money into the Roth.

Joe: Yeah. He could have, company stock in his 401(k) plan as well. yep. And so if that was the case, you know, he could. Do net unrealized depreciation. Take those dollars out, put those in a brokerage account. You pay tax on the basis. If he’s been there for a while, the basis is probably relatively low. I’m guessing.

Let’s see what other, I. But yeah, I wonder if he drives a piece of cop car. No. A Subaru truck, Crosstrek?

Marc: No. He is not the Subaru guy, is he? No, he’s the F-150 guy, right? Ah,

Joe: yeah. Okay. yeah. Oh yeah. F-150. Okay. F-150.

Marc: Alright. F-150. I think that lines up entirely with our ExxonMobil guests. I think we’re, I think we’re, I think we’re leaning towards some sort of, some sort of manufacturing, getting your hands dirty, kind of a job.

Oh,

Joe: I, think F-150 is the most popular automobile of our listeners.

Marc: This, shows up all the time. F1 fifties,

Joe: F-150, and yeah. bourbon old fashioned, and. Been listening for six months. Yeah. Yeah. And hazy

Marc: IPAs. Yeah. Yeah. And yeah, and listening for six months. Nothing beyond that.

Joe: Yeah.

Oh, cool.

Very good. All right, well, thanks for the questions. Thanks for filling in, mark. Wonderful job buddy.

Marc: Ton of fun. Ton of fun, guys. Thanks for bearing with me. My rookie. My rookie debut.

Joe: All right, Andi. Wonderful job as always, Aaron. Hey, great job. Are you, still awake? Aaron Townsend folks, look at that.

Asleep at the desk. He’s just working those cameras. I don’t think the camera moved once, so, putting them overtime to. all right, well, thank you all for, listening. for Andi last Mark Horner. I’m Joe Anderson. Big Al will be back at some point. you might be enjoying his vacation too much. So Mark, we, might need to tap on you a lot more than you think.

So have a good, everyone, you do the same. We’ll see you next week. Show’s called Your Money, Your Wealth®.

Next Week on YMYW Podcast: The One Big Beautiful Bill + More

Andi: Big Al Clopine, CPA returns next week to talk with Joe about the provisions that might affect you in the One Big Beautiful Bill. The fellas also debate the merits of Roth strategies other financial advisors are pushing, and they spitball on why IRA guru Ed Slott CPA is such a fan of permanent cash value life insurance.

YMYW Podcast Outro

Big thanks to Marc Horner, CFP® for joining us on YMYW this week and last. Look for more from Marc on the Pure Financial YouTube channel right now – links in the episode description. This fella is good. He might need his own show.

You have just a few days left to complete the 8th Annual YMYW Podcast Survey for your shot at a $100 Amazon e-gift card. Click or tap the link in the episode description, use the secret password ymyw to access the survey, and tell us your opinions and experiences before 5pm Pacific time on August 31, 2025. Only US residents are eligible to participate in the giveaway. No purchase necessary. Survey and giveaway close and Amazon e-gift card winner chosen at 5pm Pacific time on August 31st, 2025.

Your Money, Your Wealth is presented by Pure Financial Advisors, a registered investment advisor. This show does not intend to provide personalized investment advice through this podcast and does not represent that the securities or services discussed are suitable for any investor. As rules and regulations change, podcast content may become outdated. Investors are advised not to rely on any information contained in the podcast in the process of making a full and informed investment decision.

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