Podcasts about spitballing

Martin and Caterina in Green Bay are in their 40s and haven't yet saved a million bucks. Are they on track to retire at age 58? Can Piggie and Kermit in California retire today at ages 50 and 57 and still build wealth for their children? Can Galahad and Zoot in Chicago retire early in their 50s, or do they need to keep working? Do Bo and Daisy have enough saved to retire now at 61 and 56? Plus, Chuck in South Carolina asks, if you can retire early, why wouldn't you? Spitballing early retirement, today on Your Money, Your Wealth® podcast 520 with Joe Anderson, CFP® and Big Al Clopine, CPA. Free financial resources & episode transcript: https://bit.ly/ymyw-520 WATCH this episode on YouTube WATCH Don't Make These 10 Will and Trust Mistakes on YMYW TV DOWNLOAD the Estate Planning Organizer CALCULATE your Financial Blueprint ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:48 - In Our 40s and Haven't Hit a Million Yet. Are We On Track for Retirement? (Martin & Caterina, Green Bay - voice) 10:29 - We Have Over $5M. Can We Retire Today at 50 and 57 and Still Build Wealth for Our Kids? (Piggy & Kermit, CA) 18:24 - Watch 10 Will and Trust Mistakes to Avoid on YMYW TV and Download the Estate Planning Organizer 19:08 - We're 56 and 52 With $500K. Can I Retire Early at 62? (Galahad and Zoot, Chicago) 25:36 - We're 61 and 56 With $600K. Have We Saved Enough for Retirement? (Bo & Daisy, upstate NY) 33:49 - Calculate Your Financial Blueprint 34:12 - We're 61 and 58 With $1.5M. How Much Can We Spend in Retirement, When Should We Claim Social Security? (Hefwannabe and Jane, OK) 42:19 - If You Can Retire Early, Why Wouldn't You? (Chuck, SC) 48:11 - YMYW Podcast Outro

Today we celebrate our 250th episode with a brand new show! Sons of Montezuma Spitballers Episode 1. Join Aztecs4Life Sean & Jon as they talk all about San Diego State Baseball, Softball, and everything else San Diego related on the diamond!

Today we celebrate our 250th episode with a brand new show! Sons of Montezuma Spitballers Episode 1. Join Aztecs4Life Sean & Jon as they talk all about San Diego State Baseball, Softball, and everything else San Diego related on the diamond!

(4:00) FSU addresses needs over the weekend(10:00) Spitballing the 2025 starting offense(23:00) ....all that said, how many of these guys are Plan B after early misses(32:00) Pat Payton to LSU(35:00) Corey's ballad to Kirk Herbstreit and the CFP naysayers(49:00) Hoops looks lacklusterMusic: Michael Buble - Let It Snowvitaminenergy.com | Shake it and take it!

(4:00) FSU addresses needs over the weekend(10:00) Spitballing the 2025 starting offense(23:00) ....all that said, how many of these guys are Plan B after early misses(32:00) Pat Payton to LSU(35:00) Corey's ballad to Kirk Herbstreit and the CFP naysayers(49:00) Hoops looks lacklusterMusic: Michael Buble - Let It Snowvitaminenergy.com | Shake it and take it!

In this episode, Jonah & Christian discuss a Sabres losing streak that seemingly has no end in sight.(0:00) Intro(0:28) The Sabres have lost 13 straight(26:29) Spitballing about the future(50:50) Holiday Roster Freeze(56:55) Closing

(3:00) FSU now ranked 31st in the On3 team rankings for high school recruiting. Portal or bust...again, forever apparently.(15:00) On3's Andy Staples on how FSU and Florida have swapped the outhouse and penthouse of state supremacy(36:00) Spitballing the improbable upset for Saturday(44:00) Pressure on the defense to rise up(47:00) Can both teams walk off the field Saturday thinking they have a bonafide star at QB?Music: Sueco - love and ragevitaminenergy.com | PROMO: warchantbogo | buy one, get one free!

(3:00) FSU now ranked 31st in the On3 team rankings for high school recruiting. Portal or bust...again, forever apparently.(15:00) On3's Andy Staples on how FSU and Florida have swapped the outhouse and penthouse of state supremacy(36:00) Spitballing the improbable upset for Saturday(44:00) Pressure on the defense to rise up(47:00) Can both teams walk off the field Saturday thinking they have a bonafide star at QB?Music: Sueco - love and ragevitaminenergy.com | PROMO: warchantbogo | buy one, get one free!

Can Bauer in Illinois retire at age 57, and when should he collect Social Security? More importantly, can he afford a $300,000 motor home? Can Brad in Michigan coast for the next 10 years and still reach the promised land of retirement somewhere around age 53? Joe Anderson, CFP® and Big Al Clopine, CPA spitball early retirement, today on Your Money, Your Wealth® podcast 502. Plus, it seems weird to Elizabeth in Connecticut that nearly all of her $5M is in taxable accounts. Is that good or bad? N&N in San Francisco Bay Area have $10 million liquid. Should they make Roth contributions and Roth conversions now, or wait until they retire? Access free financial resources and the episode transcript: https://bit.ly/ymyw-502 WATCH: How to Avoid Wealth Busters on YMYW TV DOWNLOAD the Wealth Busters to Avoid Guide CALCULATE your Financial Blueprint for free REQUEST: Ask Joe & Big Al for your Retirement Spitball Analysis SCHEDULE: free financial assessment SUBSCRIBE: YMYW on YouTube DOWNLOAD: more free guides READ: financial blogs WATCH: educational videos SUBSCRIBE: YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:58 - Can I Retire at 57? When to Collect Social Security? Can I Afford a Motorhome? (Bauer & Laney, Mundelein, IL - voice) 07:47 - Can We Coast and Still Reach the Retirement Promised Land in Ten Years? (Brad, MI) 14:20 - Watch How to Avoid Wealth Busters on YMYW TV, download the Wealth Busters to Avoid Guide 15:00 - We've Got $10M Liquid: Roth Contributions & Conversions Now or Wait Until Retirement? (N&N, SF Bay area) 24:58 - Calculate Your Free Financial Blueprint 25:36 - Seems Weird That Our Money is in Taxable Accounts. Is That Good or Bad? (Elizabeth, CT) 31:57 - Outro: Next Week on the YMYW Podcast

For 499 episodes of YMYW, Joe Anderson, CFP® and Big Al Clopine, CPA have been making fun of finance. On episode 500, we're celebrating The Top Funniest Moments From the Your Money, Your Wealth® Podcast, Vol. 2. (Check out episode 300 from way back in November of 2020 for Vol. 1.) For this episode, Executive Producer Andi Last compiled some rare, never before seen, can't-miss Derails, jokes, stories, screw-ups, and outtakes... from two talking heads sitting at a desk. We appreciate you following, watching, laughing, and commenting on YouTube or Spotify, but if you're listening in Apple Podcasts or another podcast app you'll laugh just as much. Access all the free financial resources and the episode transcript: https://bit.ly/ymyw-500 CALCULATE: A Financial Blueprint of your retirement readiness for free SCHEDULE: free financial assessment WATCH: Recipe for Retirement | Retirement Plans Explained on YMYW TV REQUEST: Ask Joe & Big Al for your Retirement Spitball Analysis SUBSCRIBE: YMYW on YouTube DOWNLOAD: more free guides READ: financial blogs WATCH: educational videos SUBSCRIBE: YMYW Newsletter 00:00 - Intro 00:51 - How to Ask Joe and Big Al On Air 01:20 - More Funnier 03:06 - Making Fun of Finance 08:06 - Don't Change a Thing 09:13 - Spitballing, Not Advice 09:41 - Watch Recipe for Retirement on YMYW TV 10:32 - Story Time: Al's Mid-life Crisis, Al's VW Rabbit, Joe's Travel Experiences, Hans' Paintings, Joe the Player, Joe the Dancer, Color Me Badd, Ricky Runs Fast, You're a 1099, FIRE, Retirement Planning Dinners, Movie Talk, RVO, Joe vs. the Holidays, Ice Skating 35:10 - Joe and Big Al... Are Human 39:56 - Calculate Your Financial Blueprint, Schedule a Free Financial Assessment 41:22 - More Joe and Big Al... Are Human 46:32 - Outro 47:05 - The YMYW Family 48:24 - The Biggest Derail Ever

Are real estate investment trust (REIT) ETFs a good way for Leon to begin investing in real estate? Can AI Seth stay retired at age 52, and should he do Roth conversions? Jenn in Ohio wants the fellas to be brutally honest about whether she should move with work, take a break, or retire now. And "George and Weezy" are in their mid-50s - can they "move on up" to a deluxe retirement lifestyle in 2026, or even earlier? That's all today on Your Money, Your Wealth® podcast 499 with Joe Anderson, CFP® and Big Al Clopine, CPA. Access free financial resources and the episode transcript: https://bit.ly/ymyw-499 DOWNLOAD | Growing Your Wealth Guide WATCH | Steps to Financial Success: Grow Your Wealth at Any Age on YMYW TV CALCULATE: A Financial Blueprint of your retirement readiness for free REQUEST: Ask Joe & Big Al for your Retirement Spitball Analysis SCHEDULE: free financial assessment LISTEN | Top Funniest Moments From the YMYW Podcast (Vol. 1) - ep. 300 LISTEN | The YMYW AI song SUBSCRIBE: YMYW on YouTube DOWNLOAD: more free guides READ: financial blogs WATCH: educational videos SUBSCRIBE: YMYW Newsletter 00:00 - Intro: This Week on the YMYW Podcast 00:47 - Are REIT ETFs a Good Way to Get Into Real Estate Investing? (Leon, Chicago - voice) 09:15 - Watch Steps to Financial Success: Grow Your Wealth at Any Age on YMYW TV, Download the Guide to Growing Your Wealth 09:49 - Can AI Seth Stay Retired at Age 52? Should He Do Roth Conversions? (Montana, voice) 16:41 - Move With Work, Take a Break, or Retire Now? Be Brutally Honest (Jenn, OH) 21:23 - Calculate Your Financial Blueprint, Schedule a Financial Assessment - both free! 22:02 - Deferred Comp: Can “George and Weezy” Retire in 2026 or Earlier? (IL) 33:18 - Outro: Next Week on the YMYW Podcast

Back onto a spitballing ideas type episode, we are looking at how to cool off in an extreme situation. Self imposed situation (somewhat base on possible events) and off we go. What would you have done differently?

Get The Magic Guys T-Shirt!!!! Email Us - themagicguysshow@gmail.com Leave a voicemail for The Magic Guys - https://www.speakpipe.com/themagicguys Join The Magic Guys Discord!!! The Podcast where Professional Magicians, Josh Norbido, Doug Conn & Nick Kay take on the important questions of life (Mainly from our youtube subscribers) and deliver answers from a Magicians point of view. Come hang out with us while we chat about our lives as Magicians and the ups and downs that go with it. Follow the show on social media: Facebook Page Instagram Youtube   Or You Can Follow Josh Norbido Directly Here Instagram Facebook Website Youtube   Or You Can Follow Doug Conn Directly Here Instagram Facebook Website Youtube   Or You Can Follow Nick Kay Directly Here Instagram Facebook Website Youtube

Frank starts the show joined by WABC host Dominic Carter to discuss the upcoming Democratic National Convention in Chicago. He moves on to talk with George Schlatter, television Producer & Director, best known for Rowan & Martin's Laugh-In, Founder of the American Comedy Awards and author of Still Laughing: A Life in Comedy. They talk about comedy and media today as well as the history of Laugh-In. Frank talks about the New York Mets allowing the internet sensation Hailey Welch, also known as the 'Hawk Tuah Girl', to throw the first pitch at a family-friendly game. He later discusses all sorts of new archaeological discoveries from coins to cheese. He later gives the UFO report. Frank starts the third hour with commendations for the week. He moves on to talk with Ian Leslie, a British journalist, speaker and author, whose latest book is Conflicted: How Productive Disagreements Lead to Better Outcomes. They discuss dealing with disagreements and conflict. Frank wraps up the show asking about cures for hiccups. He is joined by Noam Laden for News You Can Use.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Will their $5 million nest egg get them to ages 85 and 100? Pa and GiDi are 65 and 60 and retiring now. As they consider moving to the no-income-tax state of Nevada in retirement, they have some decisions to make: should Pa take Social Security before age 70? How should they bridge the gap until Social Security? And most importantly, how can they minimize their taxes in retirement? Should they wait to do Roth conversions until after the move? That's on this bonus episode of Your Money, Your Wealth®, aka YMYW Extra. While Joe Anderson, CFP® and Big Al Clopine, CPA are on vacation, YMYW producer Andi Last enlists the help of senior financial advisor Kyle Stacey, CFP® from Pure Financial Advisors in San Diego, California. Free financial resources and transcript: https://bit.ly/ymywe-5 DIY Retirement Guide - Limited time Special Offer! Download by Friday, July 5, 2024: https://purefinancial.com/ymyw/#ymyw-special-offer It's a two-fer! Watch the video spitball for Pa and GiDi from Nick Rose, CFP® from the Pure Financial Advisors office in Woodland Hills, California: https://youtu.be/N-hsXonqgMM Watch Strategies for Diversifying Concentrated Stock Positions Request your own Retirement Spitball Analysis YMYW Extra on YouTube | Guides | Blogs | Educational Videos | YMYW Newsletter Schedule a free financial assessment Timestamps: 00:00 - DIY Retirement Guide Limited-Time Special Offer 01:05 - Intro 02:31 - Pa & GiDi's Cars, Drinks & Finances 07:51 - High-Level Thoughts and Retirement Assumptions 11:26 - Roth Conversions to the Top of the 24% Tax Bracket 12:45 - Claiming Social Security and Portfolio Diversification 13:43 - Other Suggestions  

Market declines just before you retire, or early in your retirement, can really screw up your retirement income strategy. If you're in the middle of the expensive kid years, how do you avoid this sequence of returns risk when making your retirement plans? That's “Jaclyn Smith's” question, today on Your Money, Your Wealth® podcast 485 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, can Vern's wife collect Social Security at age 63, then switch to spousal benefits at age 70? Matt wants to know if 2026 catch-up Roth contributions will be subject to the pro-rata rule, and Tom and Amy are trying to figure out how to avoid Medicare's monthly income-related adjustment amount, or IRMAA, in their plan for Roth conversions. Free financial resources and transcript: https://bit.ly/ymyw-485 How to Build a Recession-Proof Portfolio - YMYW TV Recession Protection Guide - free download The Election is Coming: Should You Sell? - read the blog Investment Vehicle Selection: SMA vs. ETF vs. Mutual Fund – Which One Best Fits You? - read the blog Is Roth IRA Money Taxed Twice? Watch the latest YMYW Extra Schedule a free financial assessment Ask Joe & Big Al for your Retirement Spitball Analysis Timestamps: 00:00 - Intro 00:49 - How to Minimize Sequence of Returns Risk When Spitballing Retirement in the Expensive Kid Years? (Jaclyn Smith) 17:18 - Collect Social Security Early at Age 63, Then Switch to Spousal Benefits at Age 70? (Vern, Beautiful Portland Oregon) 23:30 - Will 2026 Catch-Up Contributions to Roth Be Subject to Pro-Rata Rule? (Matt, TX) 23:47 - Should We Do Roth Conversions? What About Medicare IRMAA? (Tom & Amy, Northern MN) 31:51 - The Derails

Leave a voicemail for The Magic Guys - https://www.speakpipe.com/themagicguys For goodness sake Checkout Our Merch Store! Join The Magic Guys Discord!!! The Podcast where Professional Magicians, Josh Norbido, Doug Conn & Nick Kay take on the important questions of life (Mainly from our youtube subscribers) and deliver answers from a Magicians point of view. Come hang out with us while we chat about our lives as Magicians and the ups and downs that go with it. Follow the show on social media: Facebook Page Instagram Youtube   Or You Can Follow Josh Norbido Directly Here Instagram Facebook Website Youtube   Or You Can Follow Doug Conn Directly Here Instagram Facebook Website Youtube   Or You Can Follow Nick Kay Directly Here Instagram Facebook Website Youtube

Barney and Betty in Maryland hit the jackpot. How's Barney's strategy for net unrealized appreciation, retirement withdrawals, and asset location for his $5 million employee stock ownership plan? Nick in the PNW will have $8 million when he retires early at 53. Should he contribute to his 401(k) or do the good ol' mega backdoor Roth until then? Those are just a couple of the fat wallets Joe Anderson, CFP® and Big Al Clopine, CPA spitball on, today on Your Money, Your Wealth® podcast number 470. Plus, should Allen in New Braunfels' recently widowed sister contribute to her traditional IRA and do some Roth conversions? Should Alicia in Denver take Social Security early to pay off her rental property, and how can Vern in Wickenburg Arizona buy a new home before or during the sale of his current home? Finally, Bryan in Washington needs to know the best investment strategy for his thrift savings plan, and Lyse in Georgia wonders when in a market downturn you should start spending your cash. Access this week's free financial resources and the episode transcript in the podcast show notes, and Ask Joe & Big Al On Air for your Retirement Spitball Analysis, at https://bit.ly/ymyw-470 Timestamps: 01:06 - Retirement Spitball Analysis for My Widowed Sister (Allen, sunny New Braunfels, TX) 06:52 - $5M ESOP Strategy: Net Unrealized Appreciation, Retirement Withdrawals, and Tax Location (Barney & Betty, MD) 18:07 Why Asset Location Matters - free download Are You Ready to Retire? Review Your Retirement Readiness - YMYW TV 19:00 - Should I Take Social Security Early to Pay Off My Rental Property? (Alicia, Denver, CO) 23:22 - How to Buy a Home Before or During the Sale of My Existing Home? (Vern, Wickenburg, AZ) 26:50 - Should I Buy a Qualified Longevity Annuity Contract as a Long Term Care Insurance Alternative? (Ron, IL) 31:08 - I'll Have $8M When I Retire at 53. Should I Contribute to 401(k) or Do the Mega Backdoor Roth Until Then? (Nick, PNW) 37:05 - EASIretirement.com - free retirement calculator 38:06 - What's the Best Thrift Savings Plan Investment Strategy? (Bryan, WA) 40:21 - When in a Market Downturn Should You Start Spending Cash? (Lyse, GA) 46:00 - The Derails

What is spitballing? A way to open up new ideas and possibilities in response to a writer's story in a way that brightens their imagination and allows them to “steer into the curve,” making the story truly their own. Michael Lowenthal, who teaches a similar workshop method with the Story Lab at Lesley University, gives us some pointers about how to make the process work and what to avoid.There's still time to register for our live webinar, beginning tomorrow. Email me at 7amnovelist.substack.com if you want to take part. You can also watch the recordings here on our SubStack page or listen to the podcast on your favorite podcast platform. Subscribe to our Substack page for updates.Want “spitballing” help for one of your own writing obstacles? Subscribers can email a one-minute-or-less recording (Wave, MP4, or M4A format) detailing “What's Holding You Back?” to 7amnovelist@substack.com. If making a recording seems impossible, submit your responses in writing (under 200 words).Michael Lowenthal is the author of four novels: The Same Embrace (Dutton, 1998); Avoidance (Graywolf Press, 2002); Charity Girl (Houghton Mifflin, 2007), which was a New York Times Book Review “Editors' Choice” and a Washington Post “Top Fiction of 2007″ pick; and The Paternity Test (University of Wisconsin Press, 2012), an Indie Next selection and a Lambda Literary Award finalist. His short stories and essays have appeared in Tin House, Ploughshares, the Southern Review, Guernica, True Story, and the Kenyon Review, and have been widely anthologized, in such volumes as Lost Tribe: Jewish Fiction from the Edge, Bestial Noise: The Tin House Fiction Reader, and Best New American Voices 2005. He has also written for the New York Times Magazine, Boston Magazine, the Washington Post, the Boston Globe, Out, and many other publications. His first story collection, Sex With Strangers, was published in March 2021. Lowenthal lives in Boston. Since 2003, he has been a faculty member in the low-residency MFA program at Lesley University. Thank you for reading The 7am Novelist. This post is public so feel free to share it. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit 7amnovelist.substack.com

Spitballing on early retirement and Roth conversions to finish 2023. How can Jack and Diane (no, the other, other Jack and Diane, these are the ones in Rochester, MN) bridge the gap to retirement at age 61? Can Michael in San Diego do a Roth conversion without it impacting his taxes? Plus, what should "the Flintstones" do with their whole life insurance policies? What spitballs of wisdom do the fellas have for Michael, who is “benefit-less” in Kansas City, MO? Then, we wrap up the final episode of the year with the YMYW origin story. Timestamps: 00:48 - How to Bridge the Gap to Retirement at Age 61? (Jack & Diane, Rochester, MN) 06:04 - Can I Convert to Roth Without Impacting My Taxes? (Michael, San Diego) 10:22 - What to Do with Whole Life Insurance Policies? (Wilma & Fred Flintstone) 16:55 - Financial Strategies for the “Benefitless” (Michael, Kansas City, MO) 23:46 - The Origins of YMYW 36:14 - The Derails Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-461  The Complete Roth Papers Package Financial New Year's Resolutions: Tips for Getting Your Finances in Order The Economy, Currencies, Stocks, and 2024: End of Year Market Update webinar Episode Transcript Ask Joe & Big Al On Air for your Retirement Spitball Analysis

God Bless Football will come out later today since Billy and Stugotz have an interview scheduled with Austin Ekeler, so we get FRESH TAKES from the duo on the NFL. Then, Stugotz tries to get a sponsorship, Mike Ryan has information but is not a journalist, and the transfer portal has some incredible message-boarding going on. Plus, Chip Kelly has an idea for the future of College Football, Jessica runs out of breath giving takes, and...is Miami going to miss out on their QB? Learn more about your ad choices. Visit megaphone.fm/adchoices

Can Jessie and Becky in Iowa retire now at age 52? Should Robert and his wife file their taxes separately, to pay less tax on their required minimum distributions? Can Joe and Al validate Mike in Minnesota's retirement plan, and does a backdoor Roth make sense for him? How in the world will Mike in New York be able to retire at a reasonable age? And what will retirement income look like for Marty in San Diego? Just spitballs here, no retirement advice! Timestamps: 00:49 - Can We Retire Now at Age 52? (Jessie and Becky, IA) 10:09 - Should We File Taxes Separately to Minimize Taxes on RMDs? (Robert) 19:56 - Validate Our Retirement Plan: Does a Backdoor Roth Make Sense? (Mike, MN) 25:11 - How in the World Am I Going to Retire at a Reasonable Age? (Mike, Utica, NY) 29:19 - What Will Our Retirement Income Look Like? (Marty, San Diego) 35:06 - The Derails Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-453  Retirement Readiness Guide - free download Retirement Pop Quiz - how well do you know retirement? EASIRetirement.com - free retirement calculator Episode Transcript Ask Joe & Big Al On Air for your Retirement Spitball Analysis

Enjoy this 14-minute clip of Commissioner Zach Osowski and not Commissioner Steve Figgins testing out a new system for recording podcasts. 

Harsh realities of life can very quickly change your retirement plans and your entire financial future. In this episode, Joe and Big Al spitball on dealing with these realities. What financial strategies can they suggest for William and his 33-year-old wife, who has metastatic breast cancer? Debbie and Emily each experienced the unexpected sudden passing of their partners. Is it possible to minimize the capital gains tax on Debbie's son's inheritance, and can Emily retire in a year? Josie has lousy longevity in her family and wants to plan for the worst case scenario of dying before her husband. Alfred is 81 and concerned that he's going to run out of money before he runs out of time, and Richard has a sobering story that changed his thoughts about when to collect Social Security. Finally, Irene is subject to the Government Pension Offset (GPO) - can she withdraw the money she paid into Social Security?  Timestamps: 01:03 - Financial Strategies for the Young and Disabled (William, TX) 08:16 - How to Minimize Son's Capital Gains Tax on Inheritance (Debbie, HI) 14:37 - Can I Quit Work in a Year? Should I Do Roth Conversions? (Emily, Rochester, MN) 20:22 - Worst Case Scenario Retirement Spitball Analysis (Josie, Atlanta) 28:45 - Are We Going to Run Out of Money? How Much Can We Safely Withdraw? (Alfred Pennyworth) 32:35 - Life Lesson on When to Take Social Security (Richard) 40:15 - Can I Withdraw the $17,000 I Paid into Social Security? (Irene, Bremerton, WA) 46:00 - The Derails Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-443:  Estate Planning Organizer - free download Social Security Handbook - free download 6th Annual YMYW Podcast Survey - one randomly-chosen participant will win a $100 Amazon e-gift card! Episode Transcript Ask Joe & Big Al On Air for your Retirement Spitball Analysis

When should you take your pension, what types of things should you think about when it comes to deciding between a lump sum or a monthly annuity payment - risk protection, for example - and how do you work your pension into your overall retirement plan? Spitballing on retirement pension options, and saving to a taxable account when you're concerned about required minimum distributions or RMDs, on today's show. Timestamps: 00:42 - When to Collect My Pensions: Now, Early Retirement, or Age 70? (Rose, CA) 12:16 - I'm Concerned About RMDs. Should I Save to a Taxable Account for Retirement? (John Doe, Seattle, WA) 17:33 - Pension Retirement Spitball: Are We On Track to Retire in 2032 Without Saving Any More? (Jennifer & Zeke, NY State) 25:32 - Roth 457 vs. Roth IRA and Pension Options Retirement Spitball (Clay, Westerville, OH - from episode 377) 35:39 - COMMENT: Pension Vs. Lump Sum Risk Protection (Stephen) 38:53 - The Derails Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-430  Key Financial Data Guide Surviving Retirement Without a Pension - YMYW TV S4E17 Register for a free webinar: Navigating Retirement Solo, tomorrow, Wed. May 24, 2023, 12pm PT/3pm ET Episode Transcript Ask Joe & Big Al On Air

Writer's Strike: The writers are on strike and this could be the end of movies and tv as we know it, but do we already have enough?! Twitch: Well, we done did it now, didn't we?! Don Cheadle is the downfall of Jim and Them. But now we have discovered KICK. Boinko Coins: As we build out our backup plans in case everything comes crashing down we breakdown the option of potential BOINKO COINS. LET'S JUST TALK!, BOOGIE NIGHTS!, DEAD FATHER'S BIRTHDAY!, DEAD MOTHER'S DAY!, HOOK!, OPENING!, INTRO!, DOUBLE WHAMMY!, MOTHER'S DAY ALERTS!, PROMOS!, ALERTS!, PETER PARKER!, BRUCE WAYNE!, BUTCHIE!, UNCLE BEN!, SUPERHERO CLUB!, BIG TIT SUNDAY!, SCARECROW!, PATREON!, RAFFLE!, WINNER!, CHATGPT!, AI!, SEARCH ENGINES!, GOOGLE!, BEER COMMERCIALS!, HALO LEGENDARY MODE!, MORTAL KOMBAT 2!, BEER COMMERCIALS!, ANDOR!, WRITER'S STRIKE!, GREAT RUN!, RESIDUALS!, AI SCRIPTS!, NAMES!, SPITBALLING!, COBRA KAI!, DRAG QUEENS!, RUPAUL!, JEOPARDY!, KEN JENNINGS!, MYAM BIAYILK!, MAYIM BIALIK!, GORDON!, DAN HARMON!, BLOSSOM!, PICKET!, SKID ROW!, CUTESY SIGNS!, UNDERCUT THE MOVEMENT!, SIRI!, N-WORD!, HARD R!, CHIEF KEEF!, KINECT!, THICK ACCENT!, APE!, DON CHEADLE!, RON PERLMAN!, SCRUBS!, ZACH BRAFF!, DONALD FAISON!, LAST SEASON!, THE OFFICE!, EDGY!, CHINESE TIKTOK GUY!, WES-P!, SUPER CHATS!, YOUTUBE LIVE!, KEVIN BRENNAN!, MISERY LOVES COMPANY!, NO ONE KNOWS WE WANT LIKES!, RISE OF THE RESISTANCE!, KICK!, LIGHT UP!, USTREAM!, DRAKE!, LIKES!, AC7IONMAN!, RETARD SHOWER STREAM!, ASSAULT!, ROAD RAGE!, AVOCADO!, RICK ROSS!, LIKES!, SUPPORT!, MY PEOPLE!, BAD DRAGON!, BOINKO COINS!, SEINFELD!, STOINKO!, YOUTUBE BOXERS!, BOOGIE!, WINGS OF REDEMPTION!, SCREECH!, CELEBRITY BOXING!, DANNY BONADUCE!  You can find the videos from this episode at our Discord RIGHT HERE!

Gidget wants to find her very own Moon Doggie so she can get married and reap that sweet, sweet capital gain exclusion when she sells her house. What do Joe and Big Al think, and can they help her find a man? Plus, is real estate a good investment for retirement income? Is taking out a TSP (thrift savings plan) loan to pay off your mortgage a good idea? Also, the fellas spitball a tax and ACA (Affordable Care Act) strategy, a FIRE strategy - well, financial independence, but not necessarily retire early - and they discuss capital gains taxes on RSUs (restricted stock units.)  Timestamps: 00:45 - How's My Marriage Strategy for Extra Capital Gain Exclusion on the Sale of My Primary Residence? (Gidget, San Diego) 10:46 - Is Real Estate a Good Investment for Retirement Income? (Doctor Jerry, Waco, TX) 16:14 - Should I Pay Off My Mortgage with a Thrift Savings Plan Loan? (Jake - voice message) 19:35 - Spitball Our Retirement, Tax Planning, and ACA Strategy? (John from LA - Lower Anderson, SC) 26:31 - Do I Need to Pay Quarterly Capital Gains Taxes When I Sell RSUs? (Jerry, Redmond, WA) 31:43 - FIRE Retirement Spitball Analysis: How to Structure Our Investments? (Jim, Washington State) Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-426  10 Tips for Real Estate Investors Alternative Retirement Income Sources: Real Estate and Beyond webinar Real Estate Investing: What Are Cash-on-Cash and Cap Rate? YMYW podcast episode 365 Episode Transcript Ask Joe & Big Al On Air

After the Hawks' Game 2 loss in Boston, Glen Willis and Kevin Chouinard discuss what changes from Game 1 had an impact, what went poorly in Game 2, and how the Hawks move forward against the type of opponent they are least well-suited to defend.

Tom hits the water on the penultimate day of his Seville trip - and there are no singing animals to be seen. --- Send in a voice message: https://podcasters.spotify.com/pod/show/parkrush/message

Joe and Big Al spitball on set-and-forget brokerage investments for 30-something investors, real estate as a substitute for bonds in a diversified portfolio, and options for taking a state pension with or without sick time pay. The fellas also discuss how to bridge the retirement gap until collecting Social Security, strategies for claiming spousal Social Security benefits, and whether you need to sign up for Medicare if you'd rather keep the healthcare you already have. Timestamps: 00:49 - Set-It-and-Forget-It Brokerage Investments for a 30-Something Investor? (Chris, Scottsdale) 07:56 - Is Real Estate a Substitute for Bonds in a Diversified Investment Portfolio? (Don, VA) 12:42 - State Pension Options: $21K at Age 55 Plus $13K Sick Time, or $30K at Age 62? (Rich, NY/NC - voice message) 19:35 - Which Funds Should We Use to Bridge the Gap Until Collecting Social Security? (Jeff, San Diego) 25:29 - When Will I Receive Spousal Social Security Benefits? (Sharon) 28:37 - Spitballing a Spousal Social Security Claiming Strategy (G, Philly) 33:50 - Do We Have to Register for Medicare If We Aren't Going to Use it? (Jim Santa Cruz) 39:03 - The Derails Access this week's free financial resources in the podcast show notes at https://bizlink.to/ymyw-416:  REGISTER NOW and get your SECURE 2.0 Act questions answered LIVE tomorrow! SECURE Act 2.0: What You Need to Know, a live webinar presented by Amanda Cook, Esq., CPA, Tax Planning Manager at Pure Financial Advisors, moderated by YMYW Producer Andi Last, Wednesday, February 15, 2023, at 12 pm PST Portfolio Tracker: How to Manage Your Assets at Any Age Social Security Handbook Medicare Checkup Guide Episode Transcript Ask Joe & Big Al On Air

How should young savers invest pensions and estimate their retirement income needs? Is going into your employee stock purchase plan a good portfolio diversification strategy? What do Joe and Big Al think of multi-year guaranteed annuities (MYGA), and dividend-paying stocks vs. ETFs? Plus, a $10.6M retirement spitball analysis, making extra mortgage payments vs. saving to a brokerage account, and contributing to Roth 401(k) vs. traditional 401(k). Also, will a 403(b) held by an insurance company be subject to separation costs or surrender fees when rolled to an IRA? And the specifics on when to file tax form 5500. Show notes, Why Asset Location Matters Guide and other free financial resources, transcript, Ask Joe & Big Al On Air: https://bizlink.to/ymyw-413

Today's guest is Troy Holler. Troy and his two brothers host the popular YouTube channel, the Cichlid Bros. These brothers are not only aquarium hobbyists, but they are also passionate about sharing their experiences and knowledge with the world.    In this episode, we talk about… Why Troy loves working with his brothers Spitballing ideas with each other to make better content Growing up with a family aquarium and a brown cichlid named ‘Bigfoot' Helping a high profile client with his aquarium Setting up tanks and troubleshooting problems  Keeping videos very simple for their viewers Not letting hateful comments affect them Interesting things that happen during the breeding process Affiliate marketing and sponsorships Mentioned   Cichlid Bros YouTube channel   Cichlid Bros Instagram Links to resources:   The Pond Digger - https://theponddigger.com/   You can also check out The Pond Digger's products at: http://helixpondfiltration.com/    TWT Contractor Circle   TWT Contractor Power Circle   And follow his adventures in the pond world at: Instagram  Facebook TikTok

Using website tracking technology on healthcare sites can be a double-edged sword. On the one hand, it can help healthcare organizations better understand user behavior, preferences, and interests. However, if not properly secured, this technology can also put users at risk of their sensitive data being accessed and used inappropriately.  More info at HelpMeWithHIPAA.com/390

There's so much information in your spit. Today Nikki and Andrew with the help of 23andMe find out what there is to discover in theirs.  Listen as they “spitball” about all the stuff they've learned from their genetic data.  ---- Watch this episode on our Youtube Channel: The Nikki Glaser Podcast Follow the pod on Instagram for bonus content: @NikkiGlaserPod Leave us your voicemail: Click Here To Record Get Pod Merch: Podshop.NikkiGlaser.com Nikki's Tour Dates: www.nikkiglaser.com/tour Andrew's Tour Dates: www.andrewcollincomedy.com   More Nikki: IG More Andrew: IG  More producer Noa: IG          See omnystudio.com/listener for privacy information.

There's so much information in your spit. Today Nikki and Andrew with the help of 23andMe find out what there is to discover in theirs.  Listen as they “spitball” about all the stuff they've learned from their genetic data.See omnystudio.com/listener for privacy information.

Special guest, John Prince, discusses the impact the overturning of Roe v. Wade had on him and decision he made to support women. --- Send in a voice message: https://anchor.fm/leahumanity/message

The Celtics were once a common pick for NBA Offseason winners. But now, after a torn ACL for Danilo Gallinari, knee surgery for Robert “Timelord” Williams, and coach Ime Udoka suspended for the season for violations of team protocols, the aura surrounding the team has changed drastically. Andrew and Sam discuss. And… did we overrate the AFC West? Will Andrew's “Year of Russ” turn around? Andrew has the Lions winning the NFC North? All that and more in this episode. So sit back, relax, and take a seat… Courtside.   0:00 - Celtics situation 15:45 - AFC West update 27:20 - Andrew's “Year of Russ” 31:00 - NFL storylines spitballing 1:00:00 - Sam's Send-Off by Sam   Recorded Monday, September 26, 2022.    Twitter: https://twitter.com/TheCourtsidePod Instagram: https://www.instagram.com/thecourtsidepodcast/   Podcast Description: Andrew Cohen is an “athlete” best known for his money 3-point shot, killer slice forehand, and natural charm. In this show, he breaks down the day's biggest storylines, investigates compelling sports trends, and does his best to avoid coming off as a massive sports nerd. No hot takes here, just smart takes.

A compilation of some of Joe and Big Al's retirement plan spitballing specifically for those in their 40s and 50s - a critical time on the path to retirement. Is your financial plan set up so you pay as little tax as possible? Does it take volatile markets and potential future tax increases into account? Have you got a strategy nailed down for Roth conversions, or backdoor Roth, or pension options? Maybe you're making big decisions about what to do with your money between now and when you retire, like buying a house vs. saving for retirement? Are you comfortable with the retirement lifestyle you're creating? Do you know what you'll do with your time once you're permanently off the clock? Visit the podcast show notes to access free financial resources, transcript, and to Ask Joe & Big Al On Air: https://bizlink.to/ymyw-397

On this episode of the FTC Podcast, Jared Wilson and Ross Ferguson talk about the tricky issue of the church "engaging the culture." What should that look like? What should it not? From participation in Halloween to navigating cultural artifacts like movies, music, or even politics, what are some ways Christians should think about such things?

What's the next move for a 22-year-old who wants to retire early at 50? Can another YMYW listener afford to retire by the ocean in 10 months? Can Flowergirl and her husband AND her boyfriend retire next year? Joe and Big Al also check extensive retirement spitball math sent in PDF format. Plus, what are the fellas' philosophies on single vs. married tax rates when one spouse passes, and how does high state income tax impact a retirement strategy?  Show notes, free financial resources, Ask Joe & Big Al On Air: https://bizlink.to/ymyw-395

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. We're revisiting Joe and Big Al's 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. Show notes, free financial resources, the YMYW podcast survey, and Ask Joe & Big Al On Air: https://bizlink.to/ymyw-391

Megan's taking off this week, so ADTV's own Jalal Haddad joins the Water Cooler Gang in this week's podcast. We dive into Jordan Peele's latest comedy/horror/sci-fi mashup Nope, starring Keke Palmer, Daniel Kaluuya, and Steven Yeun. Then, FX/Hulu's surprise hit The Bear captivated audiences, including many within the Film Twitter community. Why has this Chicago-set […] The post Catching Up on ‘Nope,' ‘Bear,' and Spitballing Emmy Categories appeared first on Awards Daily TV.

Spitballing about issues that are happening right now in our backyard. What would you do? Tune in and Enjoy --- Send in a voice message: https://anchor.fm/boldtalkbyjoe/message

SHOW TOPICS - Conspiracies are for the birds - Wearable art? - If I made a TikTok - (Over) Selling Warhol - Gratuitous BTS reference - Tricycles can hurt you SHOW NOTES - 00:30 - Pivot followup: Shadowcat is a trail bike - 02:00 - $7700 of fun - 02:30 - Instagram followup: James is a hypocrite - 03:15 - Black and white and square and mostly cat - 04:00 - Podcast birds (aren't real) - 05:00 - No birds in the hood? - 06:00 - "Hit piece" gets tarred and feathered - 06:40 - All conspiracies should be this much fun! - 08:00 - Catherine gets concerned - 08:35 - "Are you referring to bird drone surveillance?" - 09:25 - The internet raised him good - 10:15 - Listener provides content! Thanks Jay! - 11:00 - Old Masters and altered sleeves - 12:08 - Who called her an old lady? - 13:00 - If the jacket fits - 13:35 - The real crime is calling it "art" - 14:35 - Bed under a "Starry Night" - 15:00 - Spitballing a TikTok series - 15:44 - (Over) Selling a Warhol - 16:35 - James drops his Warhol cringe, just this once - 17:30 - Marilyn v. Andy AKA "Iconic v. Iconic" - 19:15 - "Shot Sage Blue Marilyn" captures the 1960's - 20:35 - Shoutout to Phoenix Art Museum - 21:20 - Is it OK to film art and them post it? - 21:55 - BTS adjacent "Rkive art vibe" - 23:45 - Second tricycle childhood? - 27:25 - Turning, tipping, crashing, and freaking out. Thanks Trike! - 27:50 - Ozzie Osborne is alive! - 29:00 - PSA: Slow your 3-wheel roll - 29:45 - James was wrong

Spitballing ideas for the new Sandbox Casual Game Jam! --- Send in a voice message: https://anchor.fm/the-lads-associate/message

Spitballing retirement for a police officer turning teacher, a self-employed small business owner, an early retiree with an employee stock ownership plan (ESOP) wanting to do Roth conversions and withdraw 5 or 6% in retirement, and a pension and Social Security analysis. Plus, how many months of expenses should you save in your emergency fund? Also, you may know where Ric Edelman and Dave Ramsey stand on 15 vs. 30 year mortgages and using cash vs. credit, but what does YMYW think? Show notes, free financial resources, Ask Joe & Al On Air: https://bizlink.to/ymyw-372

On this episode of Spitballing, the boys catch up on some current events after Matt removed his head from the Arizona sand.

Welcome to Get 'Ah Grip!There's just so much going on in the world...Of course we have our thoughts on it all...So join us as we go through the latest happenings here in the US and what we think it all means...There's always a bigger picture...Today we're just spitballing it...Pay attention guys, it's all relative. Don't forget to click on the links below...We appreciate you all. Be sure to SUBSCRIBE to our weekly Podcast. Now you can keep us from getting Hangry! You can tip us by clicking on the link below.https://www.buymeacoffee.com/GetAhGripUSACheck us out on IG https://www.instagram.com/getahgripusa/

In this episode, Wade and I discuss everything from Arnold prep, to entry-level gear if you're thinking of going equipped, to coaching collaboration, we of course we end on a bourbon note.  Let us know what you are interested in hearing, follow us on Instagram @powerliftingmastered, give us feedback on what you want to hear!

2:00 – Opening with good vibes by remembering the time Nick forgot to record Zac Gallen's side of a podcast interview 5:00 – Reminiscing on the Slack days 6:00 – Pitcher List meetup! 6:45 – Nick is from Brooklyn but doesn't have an accent 7:30 – Nick puts a watermelon inside of a stroller to fit in in Brooklyn 9:00 – What if it was a Doberman in a stroller instead of a "pocket dog"