Podcasts about Your Money

Juan and Mary in Brooklyn are 49 and 48 with $2.2 million saved. Can Juan afford to retire early, or just walk away if he gets fired? And if they get divorced, yikes - but does the math still work? That's today on Your Money, Your Wealth® podcast number 573. But first, "Reuben Sailing Shoes" is 68, single, retired, and has $1.6 million saved, but he's never had a budget in his life. How much can he actually spend? "Leslie and Ben" are federal retirees in their seventies with great pensions and a mix of pre-tax and Roth savings, and "Mork and Mindy" in Delaware are retired with an annuity, a pension, Social Security, and $1.3 million in an IRA. Joe Anderson, CFP® and Big Al Clopine, CPA spitball on how Roth conversions and RMD timing can help both couples minimize taxes and make the most of what they've got. Free Financial Resources in This Episode: https://bit.ly/ymyw-573 (full show notes & episode transcript) Complete Roth Papers Package - free download: https://purefinancial.com/white-papers/the-complete-roth-papers-package/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-573  Retirement Course: Can You Hit a Hole in One? With PGA Pro Chris Riley - YMYW TV: https://purefinancial.com/ymyw/episodes/retirement-course-hole-in-one-pga-pro-chris-riley/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-573  Financial Blueprint (self-guided): https://bit.ly/PureFinancialBlueprint  Financial Assessment (Meet with an experienced professional): https://bit.ly/PureFreeAssessment  REQUEST your Retirement Spitball Analysis: https://bit.ly/AskJoeAndAl  DOWNLOAD more free guides: https://bit.ly/PureGuides  READ financial blogs: https://bit.ly/PureFinBlog  WATCH educational videos: https://bit.ly/PureEdVideos  SUBSCRIBE to the YMYW Newsletter: https://bit.ly/YMYWNewsletter    Connect With Us: Subscribe on YouTube and join the conversation in the comments: https://bit.ly/YMYW-YT  Subscribe or follow YMYW in your favorite podcast app: https://lnk.to/ymyw  Leave your honest reviews and ratings in Apple Podcasts: https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254  Chapters: 00:00 - Intro: This week on the YMYW Podcast 01:04 - How Much Can a Single 68-Year-Old Retiree With $1.6M(?) Spend Without Running Out of Money? (Reuben Sailing Shoes, Wyoming) 08:38 - 72 and 76 With $1.4M. Should We Keep Doing Roth Conversions After RMDs Start? (Leslie and Ben, Ohio) 17:12 - 71 and 73 With $1.73M. How to Balance Roth Conversions, RMDs, Widow Taxes, and Inheritance Goals? (Mork and Mindy, Delaware) 28:28 - 49 and 48 with $2.2M. If I Get Fired, Quit, or Get Divorced Tomorrow, Will We Be Fine? (Juan & Mary, Brooklyn, NY) 39:20 - Outro: Next Week on YMYW Podcast

I seldom give focus to money in this podcast, and this episode has nothing to do with making more or managing your money. It's on how we make meaning of money, which may dictate more about your money situation than anything else. And to that degree we are looking at how you feel about your money, more than whatever your situation may be. We all likely know people with lots of money who stress about it far more than some with very little. My guest in this episode helped me reposition how I think about money. Long ago we exchanged goods and service with each other. Today we do the same thing, but the exchange happens through money instead of the direct product or service. But of greater focus we are looking at our attitude towards money. My guest in this episode is a self-help legend and celebrity in Japan where he's sold nearly 9 million books about this topic. Ken Honda is the author of Happy Money: The Japanese Art of Making Peace with Your Money. But it's not money Ken is concerned about, it's your happy soul. This is why he has most of his own country following him, and now is claiming hearts around the world, including now, America. He joined me via Zoom from somewhere near Tokyo and we just had a super sweet time together. Ken ultimately endorsed my book, “What Drives You, for the Japanese market. I think you'll find a significant paradigm shift in your perspective on money and a new hope for feeling better about it. I did. Truly. There are products and services we don't want to spend money on. Such as, we don't want to give $1,000 to a car mechanic to fix something that went wrong on our car. So we give the mechanic money with sad feelings. Sad energy. And the mechanic is on the receiving end of getting sad money. Would you like to change this perspective, as the customer and the mechanic? Ken is going to help. We start off addressing the common negative feelings many people have towards money, and turn it on its head. It's not money we are upset with. It's really the work we don't like and aren't proud of, that we are doing to earn money. It's more about how we are earning our money than the money itself. I think you will be so stoked with this episode you'll want to share it with everyone you know. Sign up for your $1/month trial period at shopify.com/kevin Go to shipstation.com and use code KEVIN to start your free trial. Learn more about your ad choices. Visit megaphone.fm/adchoices

Artificial intelligence is everywhere but what does it actually mean for your money? In this episode of Your Money. Your Mission, host and SVP Wealth Fiduciary Advisor, Kelly Mould sits down with SVP Portfolio Manager, Eric Bernal and SVP Chief Information Security Officer, Mark Ward to explore the real-world impact of AI on your finances, from robo-advisors managing your portfolio to deepfake scams threatening your security. You'll discover practical strategies anyone can use today: Why password managers are your secret weapon, how to best use AI and why working with a human advisor is more important than ever.

"Carl and Jane" have eight million bucks, and their advisor is suggesting a 130/30 long-short investing strategy. Joe Anderson, CFP® and Big Al Clopine, CPA spitball on whether this is a smart tax move or unnecessary complexity - and whether they would do it themselves, today on Your Money, Your Wealth® podcast number 572. Plus, Tyrone and Tova think they may never even need their retirement accounts, so do they really need to bother with Roth conversions if the kids are going to inherit the money anyway, or could skipping the conversions mean losing half their retirement income to taxes? Mark in San Diego is juggling Roth conversions and Social Security timing without blowing up his tax bill, or the income-related monthly adjustment amount for Medicare, or net investment income tax. And "Boat Drinks" has a big non-qualified deferred compensation plan. How can he structure payouts before it turns into a tax nightmare - and before he potentially gets laid off? Free Financial Resources in This Episode: https://bit.ly/ymyw-572 (full show notes & episode transcript) The Emotionless Investing Guide - free download https://purefinancial.com/white-papers/emotionless-investing-guide/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-572  The Ultimate Guide to Roth IRAs - free download https://purefinancial.com/white-papers/roth-ira-white-paper/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-572  The Truth About Your Love/Hate Relationship with Money - YMYW TV https://purefinancial.com/ymyw/episodes/truth-about-love-hate-relationship-with-money/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-572    Financial Blueprint (self-guided): https://bit.ly/PureFinancialBlueprint  Financial Assessment (Meet with an experienced professional): https://bit.ly/PureFreeAssessment  REQUEST your Retirement Spitball Analysis: https://bit.ly/AskJoeAndAl  DOWNLOAD more free guides: https://bit.ly/PureGuides  READ financial blogs: https://bit.ly/PureFinBlog  WATCH educational videos: https://bit.ly/PureEdVideos  SUBSCRIBE to the YMYW Newsletter: https://bit.ly/YMYWNewsletter    Connect With Us: Subscribe on YouTube and join the conversation in the comments: https://bit.ly/YMYW-YT  Subscribe or follow YMYW in your favorite podcast app: https://lnk.to/ymyw  Leave your honest reviews and ratings in Apple Podcasts: https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254    Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:12 - Should Investors with $8M Use a 130/30 Long-Short Investing Strategy? (Carl Sandburg and Jane Addams, California) 12:42 - We'll Never Need Our Retirement Accounts. Should We Still Do Roth Conversions? (Tyrone and Tova) 27:18 - Roth Conversions vs. Social Security: Which Comes First? What About IRMAA and NIIT? (Mark, California) 38:16 - How to Structure Non-Qualified Deferred Compensation Payouts When a Layoff Might Be Coming? (Boat Drinks) 50:10 - Outro: Next Week on the YMYW Podcast

What if the guy who literally wrote the book on asset allocation told you your biggest risk isn't the market…it's the person in your bathroom mirror? Neurologist-turned-market-historian William (Bill) Bernstein joins us for a fascinating conversation about his unlikely path from photochemistry to medicine to becoming the quiet godfather of Boglehead-style investing. He shares what shaped his "simple but not easy" philosophy, why he thinks all of investing is "half math, half Shakespeare," and how a homemade website in the 1990s turned into "The Intelligent Asset Allocator" and a second career. This episode covers: ✅ How a frustrated young scientist became a neurologist, then a financial theorist and writer ✅ Early investing mistakes (Palladium futures, hot funds, overconfidence) and what finally clicked ✅ The five hurdles from If You Can and why history and psychology matter as much as math  ✅ What makes a true bubble: social buzz, career-changing speculators, hostility to skeptics, wild predictions ✅ Predictions vs forecasts, and how Bill "called" the dot-com bubble and GFC without betting the farm ✅ His current mix: modest small/value tilts, cash/T-bills for sanity, and a TIPS ladder for 30 years of expenses ✅ Why a TIPS ladder feels different from a TIPS fund and why most investors still won't use one ✅ The 30-years-working / 30-years-retired "toy model" and why it implies 20–25%+ savings rates ✅ Teaching kids about money via your own behavior, crappy college jobs, and tiny three-fund portfolios ✅ A sober view of FIRE as a way out of the cubicle and into meaningful work—not a 36-year-old beach fantasy ====================   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW

Your Money or Your Life by Vicki Robin and Joe Dominguez - Book Summary

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3480: Nick Maggiulli challenges the traditional obsession with building ever-larger nest eggs by exploring Bill Perkins' bold philosophy of spending intentionally and aiming to die with little to no money left. Drawing on data about retiree wealth and inheritance timing, he reveals why many people may be oversaving, and how giving earlier can create far greater impact. This thought-provoking perspective may completely reshape how you think about retirement, legacy, and the true purpose of money. Read along with the original article(s) here: https://ofdollarsanddata.com/should-you-die-with-zero/ Quotes to ponder: "The Investments & Wealth Institute reported, ‘Across all wealth levels, 58 percent of retirees withdraw less than their investments earn, 26 percent withdraw up to the amount the portfolio earns, and 14 percent are drawing down principal.'" "By giving my money to my kids and other people at a time when it can have the greatest impact on their lives, I'm making it their money, not mine." Episode references: Just Keep Buying: Proven Ways to Save Money and Build Your Wealth: https://www.amazon.com/Just-Keep-Buying-Proven-Build/dp/0857199250 Investments & Wealth Institute: https://investmentsandwealth.org/ Die with Zero: Getting All You Can from Your Money and Your Life: https://www.diewithzerobook.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3480: Nick Maggiulli challenges the traditional obsession with building ever-larger nest eggs by exploring Bill Perkins' bold philosophy of spending intentionally and aiming to die with little to no money left. Drawing on data about retiree wealth and inheritance timing, he reveals why many people may be oversaving, and how giving earlier can create far greater impact. This thought-provoking perspective may completely reshape how you think about retirement, legacy, and the true purpose of money. Read along with the original article(s) here: https://ofdollarsanddata.com/should-you-die-with-zero/ Quotes to ponder: "The Investments & Wealth Institute reported, ‘Across all wealth levels, 58 percent of retirees withdraw less than their investments earn, 26 percent withdraw up to the amount the portfolio earns, and 14 percent are drawing down principal.'" "By giving my money to my kids and other people at a time when it can have the greatest impact on their lives, I'm making it their money, not mine." Episode references: Just Keep Buying: Proven Ways to Save Money and Build Your Wealth: https://www.amazon.com/Just-Keep-Buying-Proven-Build/dp/0857199250 Investments & Wealth Institute: https://investmentsandwealth.org/ Die with Zero: Getting All You Can from Your Money and Your Life: https://www.diewithzerobook.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

 Of COURSE we cover retirement here at Revere – how could anybody think otherwise? The shop clears up some confusion around our stock-centric approach to social media (and why we’re ALWAYS dedicated to managing Your Money) and reviews this week’s challenging moves as oil prices spike due to the War in Iran before diving into a quick practical lesson on Stan Weinstein’s 30-Week Moving Average stage analysis at ARKK and ANF, reviewing a few relative strength names at FSLY, AAOI, and CRCL, and revealing why we short on fundamentals – not technicals! – in our approach to hedge names at MSFT, AMZN, and AVGO. In this video for educational purposes only, Dan Stewart, Don Vandenbord, Ted Zhang, Connor Bates, & Todd Thomas host The Your Money Video Podcast + Live Trading and Watchlist Stocks to Study. Key Moments from the Show 0:00 – Opening Bell 03:00 – Mailbag: Tired of the Short-Term Market? 06:00 – This Week in the Markets 14:00 – War in Iran Spikes Oil Prices 27:30 – Learning Stan Weinstein’s 30-Week Moving Average Stage Analysis – ARKK, ANF 40:00 – Relative Strength Names – FSLY, AAOI, CRCL 46:00 – Reviewing Our Hedge Approach – MSFT, AMZN, AVGO The Your Money Radio Podcast covers general topics & investment ideas for Research. It is for Educational & Entertainment purposes ONLY and is NOT meant to be Investment Advice. If you want or need Investment Advice, contact your own advisors or reach out to Revere Asset Management for individual Investment Advice. For more information contact us. The post WAR SPIKES OIL – 3X STRONG NAMES FOR WEAK MARKET GAINS | Your Money Podcast Ep. 581 appeared first on Revere Asset Management.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3480: Nick Maggiulli challenges the traditional obsession with building ever-larger nest eggs by exploring Bill Perkins' bold philosophy of spending intentionally and aiming to die with little to no money left. Drawing on data about retiree wealth and inheritance timing, he reveals why many people may be oversaving, and how giving earlier can create far greater impact. This thought-provoking perspective may completely reshape how you think about retirement, legacy, and the true purpose of money. Read along with the original article(s) here: https://ofdollarsanddata.com/should-you-die-with-zero/ Quotes to ponder: "The Investments & Wealth Institute reported, ‘Across all wealth levels, 58 percent of retirees withdraw less than their investments earn, 26 percent withdraw up to the amount the portfolio earns, and 14 percent are drawing down principal.'" "By giving my money to my kids and other people at a time when it can have the greatest impact on their lives, I'm making it their money, not mine." Episode references: Just Keep Buying: Proven Ways to Save Money and Build Your Wealth: https://www.amazon.com/Just-Keep-Buying-Proven-Build/dp/0857199250 Investments & Wealth Institute: https://investmentsandwealth.org/ Die with Zero: Getting All You Can from Your Money and Your Life: https://www.diewithzerobook.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Andrew Ruhland, CFP, is the Founder, President, and Wealth Advisor at Integrated Wealth Management, a fully independent firm he established in late 2008 to provide clients with greater independence, effective risk controls, reduced administrative complexity and costs, and candid communication about economic risks and opportunities. With three decades of experience, he has taught retirement planning workshops, hosted the weekly radio program "Your Money and Your Life," contributed articles to Michael Campbell's Money Talks blog, appeared in national television features and publications on wealth management innovations, and remains an active voice in optimizing client outcomes. Integrated Wealth ManagementWebsite: www.i-wealth.caTickets to Cornerstone Forum 26': https://www.showpass.com/cornerstone26/Silver Gold Bull Links:Website: https://silvergoldbull.ca/Email: SNP@silvergoldbull.comText Grahame: (587) 441-9100Bow Valley Credit UnionBitcoin: www.bowvalleycu.com/en/personal/investing-wealth/bitcoin-gatewayEmail: welcome@BowValleycu.com Get your voice heard: Text Shaun 587-217-8500

Many parents believe college now costs $100,000 a year. But the truth is far more complicated.Today on So Money, I'm joined by Ron Lieber, longtime New York Times “Your Money” columnist and author of the bestselling book The Price You Pay for College. Ron has spent years investigating how college pricing really works—and why the “sticker price” is often not the price families actually pay.In our conversation, Ron explains why the most important question isn't how to save for college or even how to pay for college.It's this: What should you actually pay?In this episode, we discuss:• Why the $100,000 college headline can be misleading• How merit aid scholarships really work• Why colleges quietly compete for students with discounts• How families can ask for more aid (without turning the process into a battle)• The surprising story behind the merit-aid “arms race” in higher educationLearn more about Ron's course and get his free checklist: Understanding Merit Aid Hosted on Acast. See acast.com/privacy for more information.

How Wealthy People Actually Think About Money (Part 1 of 6) JOIN THE BE WEALTHY MASTERMIND Want to join a room of entrepreneurs who think bigger about money? Email Katelyn@bewealthy.com with the subject line "Be Wealthy Podcast MM" to learn more. Brett and Katelyn kick off a six-part series breaking down how wealthy people actually think about their money. In Part 1, they dig into what it really takes to be rich at every age - net worth, income, passive income, and home values across the median, top 10%, top 1%, and top 0.01%. Brett shares the three levels of problems framework, why Jeff Bezos drove a 1997 Honda Accord while worth $25 billion, and the uncomfortable truth that higher income does not equal higher net worth. TIMESTAMPS 0:00 Introduction 3:04 The 40-Hour Question 4:27 Are You Spending Time on Your Money 5:07 The Case for Reading Books 6:16 Three Levels of Problems 12:49 Net Worth by Age 18:15 Top 10% at 30 19:46 Top 1% at 30 21:13 Top 0.01% at 30 24:10 Gary Keller and the Ford Taurus 36:40 Net Worth at 40 38:20 Net Worth at 50 39:18 W-2 Income vs Wealth 47:03 Income by Age 50:09 NFL Players and Financial Distress 52:33 Income Grows Slow Net Worth Grows Fast 55:20 CEO of Coca-Cola Makes $1.6M 56:11 Income Does Not Equal Net Worth 57:14 Passive Income Data 58:04 Shackled in a Prison 58:56 The Meredith Story 1:01:28 Top 1% Passive Income 1:02:36 4% of Households Get 80% of Dividends 1:03:50 Rihanna Built Wealth Outside Music 1:05:19 Home Values by Age 1:05:46 Your Home Is Not an Asset 1:09:32 How Brett Built Wealth in His 20s 1:11:17 Ownership Over Time 1:12:23 Recap and Three Action Items 1:13:36 Action 1: Track Net Worth Monthly 1:14:56 Action 2: Build a $50M Wealth Plan 1:15:59 Action 3: Path of Money Exercise GET CONNECTED Website: www.BeWealthy.com YouTube: youtube.com/@bewealthybrett Instagram: instagram.com/bewealthybrett Facebook: facebook.com/brettbewealthy X/Twitter: x.com/bewealthybrett FREE RESOURCES Free Tools & Downloads: https://www.bewealthybrett.com/resources Cost Segregation Studies & 45L Tax Credit: SingleFamilyCostSeg.com Infinite Banking Education: SaveLikeaBank.com Self-Directed IRA: MaxOutRetirement.com Trust & Entity Structure: SetupMyEstate.com Off-Market Deals & Direct Mail: TheMagicMailers.com 1031 Exchange: Exchange1031Now.com Bookkeeping & Financial Services: BooksOffMyPlate.com PPC & Digital Marketing for RE Investors: ScaleMyDeals.com ABOUT THE SHOW The Be Wealthy Podcast brings entrepreneurs the strategies to grow their business - then teaches them how to think about their money. Because wealth is far more than money - it's freedom. Hosted by Brett Tanner & co-pilot Katelyn Mitchell. Mission: Get Free. DISCLAIMER Be Wealthy and its affiliates do not provide tax, legal, or accounting advice. This material has been prepared for informational and entertainment purposes only, and should not be relied on for tax, legal, or accounting decisions. Always consult your own advisors before taking financial action.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3933: Courtney Carver explores the space between feeling inspired and actually taking action, revealing how easily distractions and self-doubt can trap us in the “inspiration gap.” She shares gentle, practical ways to close that gap, by taking one tiny step the moment inspiration strikes. Listen to discover how small, consistent actions can transform fleeting motivation into meaningful, lasting change. Read along with the original article(s) here: https://bemorewithless.com/inspiration-gap/ Quotes to ponder: "One tiny step is all it takes." "Big change comes from hundreds of tiny steps and they all matter." "Sometimes we have to be inspired by the same idea for years before it sticks." Episode references: Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3933: Courtney Carver explores the space between feeling inspired and actually taking action, revealing how easily distractions and self-doubt can trap us in the “inspiration gap.” She shares gentle, practical ways to close that gap, by taking one tiny step the moment inspiration strikes. Listen to discover how small, consistent actions can transform fleeting motivation into meaningful, lasting change. Read along with the original article(s) here: https://bemorewithless.com/inspiration-gap/ Quotes to ponder: "One tiny step is all it takes." "Big change comes from hundreds of tiny steps and they all matter." "Sometimes we have to be inspired by the same idea for years before it sticks." Episode references: Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 Learn more about your ad choices. Visit megaphone.fm/adchoices

What if money isn't just money—but stored life energy?In this episode, I reflect on the core premise of Your Money or Your Life by Joseph R. Dominguez and Vicki Robin and how it's showing up in my own life as a physician. From reviewing Medicare reimbursement rates to comparing insurance-based care with cash-pay work, I share why the trade between effort, responsibility, and compensation is starting to feel misaligned.We explore what financial independence really means, how much money is truly needed for a fulfilling life, and why many of the most meaningful activities cost very little. I also talk about the fear of stepping away from medicine, market risk, and the difference between an ideal life and a “good enough” one. This episode isn't about quitting medicine—it's an invitation to pause and ask:Is the way you're trading your life energy for money still worth it?Please subscribe and leave a review on your favorite Podcasting platform. Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakes If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching . You can learn more about Elisa at her website or follow her on social media. Website: https://ww.GrowYourWealthyMindset.com Instagram https://www.instagram.com/GrowYourWealthyMindset Facebook https://www.facebook.com/ElisaChiang https://www.facebook.com/GrowYourWealthyMindset YouTube: https://www.youtube.com/c/WealthyMindsetMD Linked In: www.linkedin.com/in/ElisaChiang Disclaimer: The content provided in the Grow Your Wealthy Mind...

The One Big Beautiful Bill Act, or OBBBA, is bringing a host of changes to financial policy this year. Tune in to find out how they could affect your finances in both the short and long term.Featuring WHZ Associate Vice President, Wealth Advisor Jonathan Mathews.- Subscribe to the You and Your Money podcast- Follow us on Facebook, Instagram, LinkedIn and YouTube- See how we can create a tailored financial strategy to help you live with Absolute Confidence, Unwavering Partnership, For Life: whzwealth.com

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3933: Courtney Carver explores the space between feeling inspired and actually taking action, revealing how easily distractions and self-doubt can trap us in the “inspiration gap.” She shares gentle, practical ways to close that gap, by taking one tiny step the moment inspiration strikes. Listen to discover how small, consistent actions can transform fleeting motivation into meaningful, lasting change. Read along with the original article(s) here: https://bemorewithless.com/inspiration-gap/ Quotes to ponder: "One tiny step is all it takes." "Big change comes from hundreds of tiny steps and they all matter." "Sometimes we have to be inspired by the same idea for years before it sticks." Episode references: Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 Learn more about your ad choices. Visit megaphone.fm/adchoices

If you plan to punch the clock for the final time decades before "standard" retirement age, you need a financial strategy that goes beyond just saving. Joe Anderson, CFP® and Big Al Clopine, CPA spitball five different early retirement plans to see whose numbers are tight and who is ready to go for it, today on Your Money, Your Wealth® podcast 571. George in South Carolina wants to retire in 8 years at 53. Does he have enough in his brokerage account to bridge the gap to Social Security? Joe in Massachusetts is saving a staggering $200,000 a year, but will his high-spending lifestyle make a multi-million dollar nest egg look small? The fellas help 26-year-old Jonathan in Florida map out a path to retire in his 40s using his 457 plan, and they spitball on whether early exit strategies for both Kris and Rojo in California are a "green light" or a reality check. Plus, Joe explains why the "Rule of 55" and Roth conversions might be some of the most important tools in your early retirement toolbox. Free Financial Resources in This Episode: https://bit.ly/ymyw-571 (full show notes & episode transcript) Withdrawal Strategy Guide - free download: https://purefinancial.com/white-papers/withdrawal-strategy-guide/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-571 Long-Term Care Planning Guide - free download: https://purefinancial.com/white-papers/long-term-care-planning-options/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-571 The #1 Spending Mistake Ruining Retirements - YMYW TV: https://purefinancial.com/ymyw/episodes/number-one-spending-mistake-ruining-retirements/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-571 Financial Blueprint (self-guided): https://bit.ly/PureFinancialBlueprint Financial Assessment (Meet with an experienced professional): https://bit.ly/PureFreeAssessment REQUEST your Retirement Spitball Analysis: https://bit.ly/AskJoeAndAl DOWNLOAD more free guides: https://bit.ly/PureGuides READ financial blogs: https://bit.ly/PureFinBlog WATCH educational videos: https://bit.ly/PureEdVideos SUBSCRIBE to the YMYW Newsletter: https://bit.ly/YMYWNewsletter Connect With Us: Subscribe on YouTube and join the conversation in the comments: https://bit.ly/YMYW-YT Subscribe or follow YMYW in your favorite podcast app: https://lnk.to/ymyw Leave your honest reviews and ratings in Apple Podcasts: https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254 Chapters:  00:00 - Intro: This Week on the YMYW Podcast 01:06 - Is Retiring at 53 With No Pension a Smart Move or a Risky Bet? (George, South Carolina) 11:59 - High Income, High Spend, Early Retirement: Does the Math Still Work? (Joe, MA) 18:39 - At 26, Should I Go All In on a 457 to Retire Way Early? (Jonathan, Florida) 26:41 - Can I Retire Early and Still Cover Health Care and Long Term Care Costs? (Kris, California) 33:33 - I'm a Widowed Parent. Can I Retire at 57 and Still Fund College and Legacy Goals? (Rojo, California) 43:08 - Outro: Next Week on the YMYW Podcast

✈️ Come to Greece with Me! Eat amazing food, walk where Apostle Paul walked, explore biblical history, and encounter Jesus.

Should physicians trade their time for money — or is that equation fundamentally broken? In this episode, we unpack why so many doctors save too much for too long, sacrificing their best years to build a nest egg they struggle to spend. Drawing from Vicki Robin's Your Money or Your Life, Morgan Housel's Psychology of Money, and Bill Perkins' Die With Zero, we explore a healthier framework for thinking about time, money, and financial independence as a physician. Jimmy also shares a major personal update — after nearly twenty years at Wake Forest, he's making a career change that trades income for autonomy. No more nights, weekends, or holidays, but it comes at a real financial cost. It's the perfect case study for everything we discuss in this episode. We break down the three stages of a doctor's financial life — from residency where you have neither time nor money, to mid-career where you finally have income but no time, to financial independence where you get both back. The problem? Most physicians get stuck in the middle stage far longer than they need to because of identity inertia, golden handcuffs, lifestyle lock-in, and the fear of earning less. If you've ever wondered whether you should work less, take the pay cut, or keep grinding toward a number — this one's for you. Don't forget to: Check out Medical Degree Financial University at moneymeetsmedicine.com/MDFU Grab a free copy of The Physician Philosopher's Guide to Personal Finance at moneymeetsmedicine.com/freebook or  Get an own-occupation disability insurance quote from a source you can trust at moneymeetsmedicine.com/disability Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome to Q & A Wednesday: Straight Talk on Your Money — a live, unscripted Q&A show pulled directly from our YouTube chatroom. No canned slides. No rehearsed talking points. Just practical, plain-English answers to real-world money questions with Lance Roberts and Danny Ratliff. Lance & Danny tackle topics like retirement planning, Roth vs. traditional decisions, tax-smart withdrawal strategies, Social Security timing, portfolio risk management, diversification, income planning, cash vs. investing, debt payoff frameworks, and how to think through market volatility without wrecking your long-term plan. We also discuss the “why” behind common financial rules of thumb—what holds up, what doesn't, and how to tailor decisions to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:50 - SOTU Address & Nvidia preview 5:32 - Markets Building a Rolling Top 9:20 - What is Happening to META? 12:31 - Is An Attack on Iran Priced-in to the Market? 14:37 - Buying Brazilian Bonds 18:15 - What's the Best Way to Keep Up w Sector Rotation? 20:34 - Is StableCoin Good for The Dollar? 23:48 - Will TurboTax Go AI? 27:13 - Investing in the Healthcare Space 30:27 - What is the Key Metric in Planning a Portfolio? 34:55 - Indicators for Reducing Risk in Positions 40:03 - Pro's & Con's of Bond ETF's 43:34 - Will Silver Prices Stay High? 45:14 - The Difference Between Treasury Notes vs Bonds 48:04 - Allocation Recommendation for 45-yr old Millionaire 51:44 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oW7OkyOvYC4 ------- Articles Mentioned in Today's Show: "The Business Cycle Narrative & War With Iran" https://realinvestmentadvice.com/resources/blog/the-business-cycle-narrative/ "Is China Really Dumping US Treasuries?" https://realinvestmentadvice.com/resources/blog/is-china-really-dumping-us-treasuries/ ------- Watch our previous show, "Stop Chasing 2026 Returns," here: https://youtube.com/live/iN9Pv2Thvbo -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything

Welcome to Q & A Wednesday: Straight Talk on Your Money — a live, unscripted Q&A show pulled directly from our YouTube chatroom. No canned slides. No rehearsed talking points. Just practical, plain-English answers to real-world money questions with Lance Roberts and Danny Ratliff. Lance & Danny tackle topics like retirement planning, Roth vs. traditional decisions, tax-smart withdrawal strategies, Social Security timing, portfolio risk management, diversification, income planning, cash vs. investing, debt payoff frameworks, and how to think through market volatility without wrecking your long-term plan. We also discuss the "why" behind common financial rules of thumb—what holds up, what doesn't, and how to tailor decisions to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:50 - SOTU Address & Nvidia preview 5:32 - Markets Building a Rolling Top 9:20 - What is Happening to META? 12:31 - Is An Attack on Iran Priced-in to the Market? 14:37 - Buying Brazilian Bonds 18:15 - What's the Best Way to Keep Up w Sector Rotation? 20:34 - Is StableCoin Good for The Dollar? 23:48 - Will TurboTax Go AI? 27:13 - Investing in the Healthcare Space 30:27 - What is the Key Metric in Planning a Portfolio? 34:55 - Indicators for Reducing Risk in Positions 40:03 - Pro's & Con's of Bond ETF's 43:34 - Will Silver Prices Stay High? 45:14 - The Difference Between Treasury Notes vs Bonds 48:04 - Allocation Recommendation for 45-yr old Millionaire 51:44 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oW7OkyOvYC4 ------- Articles Mentioned in Today's Show: "The Business Cycle Narrative & War With Iran" https://realinvestmentadvice.com/resources/blog/the-business-cycle-narrative/ "Is China Really Dumping US Treasuries?" https://realinvestmentadvice.com/resources/blog/is-china-really-dumping-us-treasuries/ ------- Watch our previous show, "Stop Chasing 2026 Returns," here: https://youtube.com/live/iN9Pv2Thvbo -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything

Learn how to create and preserve generational wealth!in this first episode of our special series, Getting Ahead of The Great Wealth Transfer, WHZ partners James Zahansky, Laurence Hale, and Leisl Langevin, along with KKC Law partner Allison Poirier share:

Joe and Big Al spitball two sides of the retirement equation, today on Your Money, Your Wealth® podcast number 570. Daniel in Texas is 40 and worrying about how to support Mom and Dad if their money runs out. Can he build some kind of financial safety net for them without ruining his own retirement? Jemma's 82-year-old mom is drawing down her portfolio. Is locking in guaranteed income with an annuity a smart move, or could that create new problems down the road? Plus, "Cookie and Gerry" want to walk away from work before 50 with a big brokerage account and a pension. Are they positioned correctly? How can they avoid pulling the wrong levers at the wrong time? And "Fred and Wilma" are staring at a potential multi-million-dollar ESOP payout. What levers do they need to pull so they can retire at 46 and shout "Yabba Dabba Doo"? Free Financial Resources in This Episode: https://bit.ly/ymyw-570 (full show notes & episode transcript) 10 Steps to Improve Investing Success - free download What to Do When the Stock Market Gets Crazy - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:57 - Can I Afford to Be My Parents' Retirement Plan? (Daniel, Texas) 07:07 - Will an Annuity Really Save Mom From Running Out of Money? (Jemma) 15:07 - Can We Retire in Our Early 50s With a Pension and a $190K Spend? (Cookie and Gerry) 30:39 - Can We Retire Early at 46 With a $4M ESOP and a $210K Spend? (Fred and Wilma, CA) 44:23 - Outro: Next Week on the YMYW Podcast

On this episode of The Dentist Money Show, Matt has a conversation with Carl Richards, CFP® about simplifying money and creating clarity in your financial life. Carl shares insights from his latest book Your Money, including how to spark meaningful conversations about money, why managing finances is a lifelong journey, and how attention plays a powerful role in both wealth-building and relationships. They explore the four sources of capital and discuss how personal values shape financial decisions. Tune in to get practical guidance for reducing financial stress and aligning your money with what matters most. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

There's a lot happening in the world, and in the markets. WHZ Strategic Wealth Advisors' Holly C. Wanegar, CFP® brings you up to date on what you need to know.- Subscribe to the You and Your Money podcast- Follow us on Facebook, Instagram, LinkedIn and YouTube- See how we can create a tailored financial strategy to help you live with Absolute Confidence, Unwavering Partnership, For Life: whzwealth.com

When you're standing at a major financial crossroads, the timing of your decisions can mean the difference between success and failure. Joe Anderson, CFP® and Big Al Clopine, CPA spitball on the "when" of five retirement decisions, today on Your Money, Your Wealth podcast number 569. We'll kick things off with a whale of an email: "Fine and Dandy" is 42 years old with a multimillion dollar private equity offer on the table. Should he sell his business now or hold out for a second bite of the apple later? He also wonders if it's crazy to spend more on his vacation home than on his primary residence. David calls himself an "elderly orphan," flying solo at 66 and in need of a plan to protect his million-dollar portfolio as he ages. BB and Shell are trying to time their final year of retirement contributions to save as much as possible before moving to a lower-tax state. Should they go Roth IRA or traditional? Joel wonders when to take required minimum distributions from retirement accounts for the maximum tax benefit, and Brian in New York needs a spitball on when it makes sense to have an emergency fund as a retiree, and for how much. Free Financial Resources in This Episode: https://bit.ly/ymyw-569 (full show notes & episode transcript) Growing Your Wealth Guide - free download Retirement Readiness Guide - free download Retire at 62: Great Idea or Huge Mistake? - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters:  00:00 - Intro: This Week on the YMYW Podcast 01:09 - Should I Sell My Business or Wait? Is It Crazy to Spend More on My Vacation Home Than My Primary Residence? (Fine and Dandy, IL) 20:48 - Saving to Roth IRA vs Traditional IRA in the Final Year Before Retirement (BB and Shell) 23:50 - When to Take Your First RMD for the Maximum Tax Benefit (Joel, CA) 27:33 - Aging Alone in Retirement: How to Protect Assets Before Cognitive Decline (David, 68, Logan, NM) 35:37 - Why Some CPAs Cap Roth Conversions at $500K AGI (Shweta, CA) 37:05 - When Does It Make Sense for Retirees to Have an Emergency Fund - and How Much? (Brian, Albany, NY) 42:03 - Outro - Next Week on the YMYW Podcast

A Profit First Journey: Confessions of a First-Year Practice OwnerStarting a private practice can feel equal parts exciting and overwhelming—especially when it comes to money. In this episode of Therapy for Your Money, Julie sits down with Alex Antonucci, a first-year practice owner who isn't afraid to share the honest, behind-the-scenes reality of building a financially sustainable practice from the ground up.Alex opens up about student loan debt that rivaled the cost of his home, feeling unsure about retirement savings, and the mental load that comes with not quite knowing where your money stands. He also shares how implementing Profit First before opening his doors gave him clarity, confidence, and a financial system that now supports both his business and his life.If you're a solo practice owner—or dreaming about growing into a group practice—this conversation is a powerful reminder that you don't have to have it all figured out to start. You just need a system that helps you make clear, values-aligned decisions along the way.3 Things to Listen for in This EpisodeWhat it really feels like to start a practice with debt and uncertainty. Alex shares candidly about student loans, financial anxiety, and why he didn't want money stress to follow him into practice ownership.How Profit First reduced decision fatigue.  Instead of constantly wondering “Can I afford this?”, Alex explains how letting the numbers guide decisions freed up mental energy and reduced stress.Planning for growth before hiring. From building buffers to offering generous benefits like PTO and retirement contributions, Alex walks through how he's preparing to hire sustainably—without panic or guesswork.Resources & MentionsBilling Assistant Pro by Productive TherapistVirtual Assistant Support – Productive TherapistProfit First for Therapists (my book!)Profit First AcademyTherapy For Your Money websiteGreenOak Accounting - www.GreenOakAccounting.comTree Pittsburgh - non-profit mentioned by Alex Alex Antonucci, LPC's practice page - https://www.waxwingwellness.com/about Podcast, YouTube,  and Other Written Assets Produced by James Marland 

“This book is a timely wake-up call for Christians to honor God not just with their beliefs, but with their bank accounts. Be Wise with Your Money isn't just about money—it's about mission, stewardship, and preparing for the return of Christ. I highly recommend it.”—Daniel Vierra, Director, Modern Manna Steve Wohlberg Steve Wohlberg is Speaker/Director of Endtime Insights Ra- dio and TV Ministry, hosts the national radio show, World News and the Bible, and writes a monthly column for Wis- consin Christian News. TV producer and author of ten books, he is highly respected for his simple style and clear teaching.WebsiteXInstagram

Do you typically look forward to a big tax refund? If so, you're probably doing taxes all wrong. In this episode, Holly C. Wanegar, CFP® shares how you can minimize what you pay in taxes in the first place, and keep more of your hard-earned money working for YOU. Read more on the WHZ blog >- Subscribe to the You and Your Money podcast- Follow us on Facebook, Instagram, LinkedIn and YouTube- See how we can create a tailored financial strategy to help you live with Absolute Confidence, Unwavering Partnership, For Life: whzwealth.com

John Q. Taxpayer is in the home stretch of his career, looking for the best way to catch-up and build his tax-free bucket. Meanwhile, a pair of young financial nerds in Omaha are already strong savers, but they're wondering whether a simple "VOO for life" strategy is enough to help them reach multimillionaire status in retirement. Also, Janine retired unexpectedly. Can her remaining savings support a European retirement lifestyle? From Jonas Grumby's "glitch in the matrix" tax strategy to the potential tax nightmare of Dolly's literal sack of inherited gold coins, today on Your Money, Your Wealth® podcast 568, Joe Anderson, CFP® and Big Al Clopine, CPA. spitball on how folks from different generations with different situations can reach the same ultimate goal: positioning assets today to ensure the most tax-free wealth tomorrow. Plus, the fellas spitball on the "double taxation" trap of retirement plan loans for Pete in North Carolina, and the affordability of 50-year mortgages for Semper Fi in Michigan. Free Financial Resources in This Episode: https://bit.ly/ymyw-568 (full show notes & episode transcript) Why Asset Location Matters - free guide All About Asset Location - more free resources 15 Maneuvers to Duck an Unplanned Early Retirement Knockout - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:05 - After-Tax 401(k) Catch-Ups vs Taxable Investing (John Q Taxpayer) 06:16 - Forced Early Retirement: Social Security and Roth Conversion Timing? (Janine, Bothell, WA) 11:30 - Are 50-Year Mortgages Actually Affordable? (Semper Fi, Stevensville, MI) 17:59 - 401(k) Loan vs Mortgage Payoff (Pete, NC) 21:27 - Can You Manufacture a Step-Up in Basis? (Jonas Grumby, The Colony, TX) 25:03 - Inherited Gold Coins and Capital Gains Taxes (Dolly, 63, TN) 29:35 - Spitball for Young Investors Who Don't Have Millions (Young Financial Nerds, Omaha, NE) 42:13 - Outro: Next Week on the YMYW Podcast

What would you call a marriage where spouses see “eye to eye” about money? Some might call it bliss.It's true that most couples at least occasionally quarrel about their finances. But could a better understanding of each other's values help spouses avoid that bickering? Shaunti Feldhahn thinks so, and she joins us today to talk about it.Shaunti Feldhahn is a Harvard graduate, former Wall Street analyst, social researcher, best-selling author, and a prominent public speaker. She is the co-author of Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself, written with her husband, Jeff, and has co-authored several other books with him, revealing impactful truths about relationships at home and in the workplace.A Lesson Learned Over DinnerShaunti and her husband, Jeff, learned this lesson early in their marriage. Living in New York, they often ate out due to their demanding schedules. However, a seemingly small issue—ordering a Diet Coke—would trigger recurring arguments. Jeff, concerned about their financial future and mounting student loan debt, saw the expense as unnecessary, while Shaunti viewed it as a simple enjoyment that enhanced her meal.It wasn't until years later, during their research for their book Thriving in Love & Money, that they realized their conflict stemmed from differing values. Jeff prioritized financial security, while Shaunti valued the experience and enjoyment of a meal. Once they uncovered this, they could communicate more effectively and honor each other's perspectives.The Root of Money Conflicts in MarriageFinancial disagreements often arise because couples fail to recognize and respect each other's values. In Shaunti and Jeff's national study, they found that:67% of couples in financial conflicts believe their perspective is the logical one.Couples often perceive their spouse's spending habits as irrational simply because they prioritize different things.For example, one spouse might see value in spending money on a gym membership for networking and health benefits, while the other might believe household essentials from Costco are a better use of resources. The key takeaway? Neither perspective is wrong—both are rooted in deeply held values.The Power of CommunicationThe solution to money conflicts isn't just budgeting or financial planning; it's communication. It's crucial that couples discuss not just what they want to spend money on, but why it matters to them.By having open and honest conversations about financial priorities, couples can:Build mutual understanding and trust.Find compromises that respect both perspectives.Create a financial plan that aligns with their shared goals and values.While couples can work through these issues on their own, it can be very beneficial to seek guidance from financial advisors—especially those with a biblical perspective. Kingdom Advisors, for example, are trained to address not just the numbers, but the relational and spiritual aspects of money management.Advisors can help couples navigate tough conversations, align their financial goals with their values, and ultimately steward their resources in a way that honors God and strengthens their marriage.At the heart of every financial decision in marriage lies an opportunity to foster unity rather than division. God cares just as much about the marriage as He does about the finances. By understanding and honoring each other's values, couples can turn money from a source of conflict into an instrument of peace and purpose.————————————————————————————————Shaunti Feldhahn's full article, “Money in Marriage: It's a Matter of Value,” appears in the 1st issue of Faithful Steward magazine. When you become a FaithFi Partner with a monthly gift of $35 (or $400 annually), you'll receive Faithful Steward magazine and other exclusive resources to help you grow as a faithful steward. Visit FaithFi.com/Partner to learn more.On Today's Program, Rob Answers Listener Questions:My husband and I sold a property, paid off all our debt except our mortgage, and I'm rebuilding my savings after a $14,000 home project. Once my savings are fully restored, should I start investing? And if so, should I invest all of it or just a portion? I'd be looking at about $112,000, but I'm cautious and not experienced with investing.Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself by Shaunti and Jeff FeldhahnOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Thirty-six hours before his wife was scheduled for a major surgery, New York Times personal finance columnist Ron Lieber got a letter in the mail that sent him reeling. Insurance was denying prior authorization for the surgery. The only way forward would be to appeal the decision. But it was Saturday night, and the surgery was Monday morning. There wouldn’t be any time. Should they even go to the hospital? They decided to bet on being able to reverse the denial later on, but the last minute coverage questions left Ron’s wife, New York Times reporter Jodi Kantor, going into surgery that Monday with a brand new sense of stress and anxiety. And along with worrying how his wife's surgery would go (spoiler: it was successful), and whether they’d end up on the hook for a bajillion dollars, it left Ron to wonder why no one had given them a heads-up earlier. He set out to find answers — and whether there might be a way to prevent these last-minute denials from sneaking up on other people. Ron turned to his "Your Money" newsletter subscribers for ideas, and eventually published a draft letter in his New York Times column that doctors and other health care providers could give their patients to better prepare them for insurance curveballs. Check out the column here – and consider passing it along to any health care workers whose patients you think might benefit. Here’s a transcript of this episode. Send your stories and questions. Or call 724 ARM-N-LEG. Of course we’d love for you to support this show. See omnystudio.com/listener for privacy information.

NEW THINGS TO KNOW TO MAXIMIZE YOUR RETIREMENT

Should Al and Peggy in Illinois keep hammering pre-tax retirement savings or should they pivot to post-tax Roth for better tax diversification? Which pension option is best for their early retirement plans? Long-term care insurance premiums are going up endlessly for Eloise in Connecticut. Is she walking into an insurance industry trap? How do Eric and Tami in Baton Rouge help their kids with college without blowing up their own retirement, and when do student loans make sense? Finally, should Lana and Sterling harvest capital gains or prioritize Roth conversions before moving to a much higher-tax state? The basic question in all of these is the same: how do you protect your future from rising costs and unknowns that are out of your control? We'll find out what it takes, today on Your Money, Your Wealth podcast number 567. Free Financial Resources in This Episode: https://bit.ly/ymyw-567 (full show notes & episode transcript) Key Financial Data Guide - free download Retirement Panic Button: 7 Ways to Avoid Hitting It - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:55 - Pre-Tax vs. Late Roth Savings? Pension Lump Sum vs. Lifetime Income in Early Retirement? (Al & Peggy, Illinois) 14:14 - Should I Drop Long-Term Care Insurance Now at Age 70? (Eloise, Connecticut) 20:41 - College Costs vs Retirement Security for Parents (Tami & Eric, Baton Rouge, LA) 35:59 - Roth Conversions or Capital Gains Before Moving to a High Tax State? (Lana & Sterling, Nebraska) 48:14 - Next Week on the YMYW Podcast

BIO: Athena Brownson is a Denver realtor, investor, developer, and former professional skier whose resilience through chronic illness fuels her refined, strategic, and client-focused approach to real estate.STORY: Athena lost $130,000 in her first development project when a builder she considered a friend vanished with the upfront funds. Her trust and incomplete due diligence led to a total loss, teaching her that personal relationships can create dangerous blind spots in business.LEARNING: Due diligence is non-negotiable. Trust is a liability. “A simple conversation with someone that we know, like, and trust is invaluable, because they can point out to us the blind spots that we may have missed in our excitement.”Athena Brownson Guest profileAthena Brownson is a Denver realtor, investor, developer, and former professional skier whose resilience through chronic illness fuels her refined, strategic, and client-focused approach to real estate.Worst investment everAthena Brownson entered her first development project with confidence and a seemingly dream team. With a 45-year veteran developer—her father—by her side, she felt prepared. She had saved diligently, owned the land, and chose a builder she'd known for three years, a dear friend's business partner.After multiple interviews where her father asked all the right questions, they felt secure. They signed a contract and paid $130,000 upfront for site clearing, asbestos abatement, and foundation work.Initial excitement turned to unease as progress was glacial. A blue fence went up, and some abatement started, but then communication stopped. Phone lines went dead. Subcontractors began calling Athena directly, asking why they hadn't been paid.The devastating truth emerged: the builder had vanished with the funds. Athena later discovered she was one of eight victims of the same scam. Despite her real estate expertise and her father's decades of experience, they had been outmaneuvered by a trusted contact.Lessons learnedDue diligence is non-negotiable: Trust is not a replacement for verification. Athena's key takeaway was the need for exhaustive due diligence: calling not just a few references, but a comprehensive list of past and current clients to hear the unfiltered story of their experiences.Friendship clouds judgment: A personal connection created a dangerous blind spot. It made her and her experienced team less likely to probe aggressively or assume the worst, a bias scammers often exploit.Assume the worst, hope for the best: The mindset must shift from “I trust you until you prove me wrong” to “Show me consistent, verifiable proof that you are trustworthy.” In business, healthy skepticism is a necessary form of self-defense.Measure twice, cut once: This adage applies to money and contracts. Double and triple-check every detail, every claim, and every line item before funds change hands.Andrew's takeawaysMoney is life energy: Andrew referenced the classic book Your Money or Your Life, emphasizing that money represents hours of your life traded for it. Guarding it fiercely is an act of...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3278: Robert Farrington offers a practical roadmap for breaking the paycheck-to-paycheck cycle by identifying whether you're dealing with a spending or income problem and taking strategic action. From cutting fixed expenses and high-interest debt to building extra income streams and automating savings, this guide empowers you to get one month ahead financially, and stay there. Read along with the original article(s) here: https://thecollegeinvestor.com/17046/how-to-get-one-month-ahead-financially/ Quotes to ponder: “You can't undo the past but you can control your future.” “Keep up the momentum. Set your next financial goal. I promise, it will be well worth all of your hard work.” “Accept the situation you're in and get fired up enough to do something about it.” Episode references: Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3278: Robert Farrington offers a practical roadmap for breaking the paycheck-to-paycheck cycle by identifying whether you're dealing with a spending or income problem and taking strategic action. From cutting fixed expenses and high-interest debt to building extra income streams and automating savings, this guide empowers you to get one month ahead financially, and stay there. Read along with the original article(s) here: https://thecollegeinvestor.com/17046/how-to-get-one-month-ahead-financially/ Quotes to ponder: “You can't undo the past but you can control your future.” “Keep up the momentum. Set your next financial goal. I promise, it will be well worth all of your hard work.” “Accept the situation you're in and get fired up enough to do something about it.” Episode references: Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 Learn more about your ad choices. Visit megaphone.fm/adchoices

"Mr and Mrs Smith" have nearly $850,000 saved at age 43, but they're very concerned about retirement. "Lucy and Desi" are 58 and 64 with nearly $7 million saved, but they still lie awake wondering if it's enough for their high-expense life. "Tony and Carmela" are in a similar boat with millions saved at 61 and 59, but they're worried their asset allocation won't get them through their retirement. No matter the numbers, the fears sound exactly the same: will you run out of money in retirement? Turns out overcoming that fear is not about hitting a magic number. We'll find out what it's all about today on Your Money, Your Wealth podcast number 566 with Joe Anderson, CFP®, and Big Al Clopine, CPA. The fellas also spitball Roth conversions, long/short direct indexing capital gains tax strategies for "Juicy Squeeze", working after retirement for Wendi, and how one confusing word can completely change a retirement timing decision for "Jacques and Johana." Free Financial Resources in This Episode: https://bit.ly/ymyw-566 (full show notes & episode transcript) Withdrawal Strategy Guide - free download Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) WATCH 6 Signs You Truly Have "Enough" For Retirement on YMYW TV REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:01 - 43 With $850K. Am I Too Late to Build Enough Roth Money? (Mr & Mrs Smith, Dallas, TX) 11:29 - Nearly $7M Saved at 58 and 64. Do We Have Enough for a High-Spend Retirement? (Lucy & Desi, Jersey Shore, NJ) 23:38 - 61 and 59 With $4.5M Saved. Can I Retire Now With a 50/50 Portfolio? (Tony & Carmela, San Ramon, CA) 32:09 - Mid-50s with $685K Saved. Can One Spouse Retire While the Other Works? (Jacques & Johana, Florida) 38:53 - Are Long-Short Direct Indexing Tax Strategies Worth the Fees? (Juicy Squeeze) 47:04 - Should I Work as an Employee or Contractor After 70 on Social Security? (Wendi) 52:04 - Outro: Next Week on the YMYW Podcast

In this episode, SVP Wealth Fiduciary Advisor and podcast host, Kelly Mould and Chief Investment Officer, Dominic Ceci, break down what really mattered in 2025 and what investors should watch for in 2026. Learn how AI continues to dominate market narratives, insights into navigating policy-driven economic growth and the critical questions every investor should be asking about their financial plan. Whether you're planning for retirement or growing your portfolio, this episode will help you position yourself for success this year and beyond.Submit a question on Your Money. Your Mission.

00:00 – Intro 00:22 – You're Not That Economically Valuable 01:09 – You Have an Income Ceiling (And Expenses Keep Rising) 01:48 – At the End of the Month You Have No Money Left 02:53 – Your Lifestyle Is Above Your Pay Grade 04:10 – Your Money, Time, and Energy Go to Entertainment, Not Education 05:31 – You Have No Money for Emergencies 05:54 – You Wish You Were Rich, But It's Not Urgent Enough 06:46 – You Think All Rich People Are Evil 07:21 – You Think the Non-Evil Ones Got Lucky 08:17 – Your Future Income Is Already Spent 09:00 – You Don't Own Assets That Grow While You Sleep 09:40 – You Think Investing Is Just Gambling 10:24 – You Don't Track Your Net Worth 11:18 – Your Benchmark Is Your Broke Echo Chamber 12:14 – You Never Took a Big Enough Risk 14:04 – Bonus: The Two Switches That Change Everything Tools:  Protect yourself online with NordVPN: https://www.nordvpn.com/alux  Get a free audiobook when you sign up: https://www.alux.com/freebook  Start an online store today: https://www.alux.com/sell  Sell an online course: https://try.thinkific.com/f5rt2qpvbfokAlux.com is the largest community of luxury & fine living enthusiasts in the world.  We are the #1 online resource for ranking the most expensive things in the world and frequently referenced in publications such as Forbes, USA Today, Wikipedia and many more, as the GO-TO destination for luxury content!  Our website: https://www.alux.com is the largest social network for people who are passionate about LUXURY! Join today!  SUBSCRIBE so you never miss another episode: https://goo.gl/KPRQT8  To see how rich is your favorite celebrity go to: https://www.alux.com/networth/  For businesses inquiries we're available at: https://www.alux.com/contact/ 

Today, we dive into financial literacy with Daniel Rodgers, author of Escape The Clock: Your Program Guide for Financial Freedom and Early Retirement. After achieving economic independence and retiring early from a successful career as a program manager, Daniel now dedicates his time to helping others take control of their finances and live life on their own terms. Though not a financial professional by training, Daniel's disciplined planning and problem-solving transformed his personal experience into a practical, step-by-step guide for escaping the 9-to-5 — empowering countless people through his speaking, writing, and podcast content…  In this episode, we cover:  Strategies for budgeting, saving, and investing. The mindset and discipline required to escape the traditional work cycle. Lessons from the FIRE (Financial Independence, Retire Early) movement. How to create passive income streams and manage debt effectively. If you're ready to take control of your finances and design a life on your own terms, this episode is for you. Click play now to dive in! You can find more on Daniel by visiting the Escape the Clock website.

Our guests on the podcast today are Cody Garrett and Sean Mullaney. They're both advice-only financial planners, and they're the co-authors of a new book called Tax Planning To and Through Early Retirement. Cody is a certified financial planner and the founder of Measure Twice Money, where he helped DIY investors make informed decisions aligned with their values. He also leads Measure Twice Planners, which is an educational community for financial planners. Sean Mullaney is a certified public accountant and head of Mullaney Financial & Tax. He also writes the blog, FITaxGuy.com, which is focused on the intersection between financial independence and taxes.BackgroundSean MullaneyCody GarrettMeasure Twice MoneyMeasure Twice FinancialMeasure Twice PlannersMullaney Financial & TaxFITaxGuy.comTax Planning and Early RetirementTax Planning To and Through Early Retirement, by Cody Garrett and Sean Mullaney“The Backdoor Roth IRA After an Excess Contribution to a Roth IRA,” Sean Mullaney, FITaxGuy.com, Dec 16, 2025“Why I Don't Worry Much About Sequence of Returns Risk,” Sean Mullaney, FITaxGuy.com, Jun 10, 2025“The Tax Planning World Has Changed,” by Sean Mullaney, FITaxGuy.com, Sep. 22, 2025“Bogleheads on Investing® with Cody Garrett, CFP®, and Sean Mullaney, CPA on tax planning to and through retirement: Episode 89″ by Bogleheads on Investing® podcast, BogleCenter.net, Dec. 7, 2025“Managing Taxes in Retirement with Sean Mullaney,” by the White Coat Investor Podcast, WhiteCoatInvestor.com, Nov 20, 2025.Die With Zero: Getting All You Can from Your Money and Your Life―A Revolutionary Approach to Maximizing Life Experiences Over Accumulating Wealth, by Bill Perkins“Reframing Risk In Retirement As “Over- And Under-Spending” To Better Communicate Decisions To Clients, And Finding “Best Guess” Spending Level,” by Michael Kitces, Kitces.com, Apr. 24 2024.More on Early Retirement and FIRE“My Baptism by FIRE: Lessons on Financial Independence,” by Christine Benz, Morningstar.com, May 29, 2025.“Aiming to ‘Die with Zero'? Here Are the Implications for Portfolio Construction and Retirement Spending,” by Jess Bebel, Morningstar.com, Apri. 6, 2025"Derek Tharp: An Alternative Approach to Calculating In-Retirement Withdrawals," The Long View podcast, Morningstar.com, Feb. 21, 2023 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Lucky Lou is 48, burned out and wants to punch at 50. How should he bridge the gap before pensions and Social Security? Joe Anderson, CFP®, and Big Al Clopine, CPA walk through the Rule of 55, 72(t)s, and the psychological reality of spending down a taxable account, today on Your Money, Your Wealth® podcast number 565. Alexei and Anna are high earners in their mid-20s who want to save aggressively and keep taxes low. Which retirement accounts should they prioritize, and can they afford a downpayment on a house? Jay and Gloria are wrestling with the classic question of whether to save to Roth or traditional 401(k), especially since their state doesn't tax retirement income. Is taking the deduction now and backdooring Roths the smarter move? Plus, Sleepless in Seattle wants to know, can her 28-year-old daughter afford to buy a condo in a high-cost housing market? Finally,  Jennifer in Texas wonders how to invest and withdraw an inherited IRA over the 10-year rule with the least tax damage. Free Financial Resources in This Episode: https://bit.ly/ymyw-565 (full show notes & episode transcript) The Last 5 Years Before Retirement Will Decide Your Lifestyle - Here's How - YMYW TV Guides:  Growing Your Wealth Tax-Free Retirement One Big Beautiful Bill Act Blogs:  A Market of Stocks Why AI May Not Be a Bubble Should You Own Gold Instead of Stocks? Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:04 - Can I Retire at 50 with $5M and Bridge the Gap to Pensions and Social Security? (Lucky Lou) 10:51 - Which Retirement Accounts Should Young High Earners Max First? Can We Afford a House Downpayment? (Alexei & Anna, Cincinnati) 17:57 - Save to Roth 401(k) or Traditional If Our State Doesn't Tax Retirement Income? (Jay & Gloria, People's Republic of IL) 28:21 - Should a 28-Year-Old Buy a Home in an Expensive Market? (Sleepless in Seattle) 37:15 - How to Invest for Most Growth and Least Tax on an Inherited IRA? (Jennifer, TX) 41:04 - Outro: Next Week on the YMYW Podcast

Hana's mom is 92. Mom's husband is 74, and after years of trying to help a family member, nearly a million dollars is gone. How do they stop the bleeding before it's too late, and how much can they spend each year from what's left? That's today on Your Money, Your Wealth® podcast number 564 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, "Peter and Gwen" from Virginia have a pension, Roths, and a shrinking IRA. With the new tax law, IRMAA, and Social Security decisions all colliding, should they keep converting to Roth, and when should they actually collect Social Security? Also, does it make sense for "Mr. and Mrs. Scarecrow" to claim Social Security early and invest it? Finally, "Rosie and Astro" from Pennsylvania ask if they can retire in just three years with $1.3 million, and whether it's time to hire an advisor to help them get there. Free Financial Resources in This Episode: https://bit.ly/ymyw-564 (full show notes & episode transcript) Social Security Handbook Retirement Readiness Guide 6 Biggest Financial Pitfalls in America (Avoid These Traps!) - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 02:21 - Family Wrecking Retirement: How Much Can Benevolent Retirees Afford to Spend? (Hana) 10:30 - We Have a Pension. Should We Do Roth Conversions After the OBBBA? When to Claim Social Security? (Peter Parker & Gwen Stacy) 23:29 - Should We Claim Social Security Early and Invest It? (Mr & Mrs Scarecrow) 29:56 - We're 60 and 57 with $1.3M. Can We Retire in 3 Years? Should We Hire an Advisor? (Rosie & Astro, PA) 41:04 - Outro: Next Week on the YMYW Podcast

#260: Chris distills the most powerful lessons from over 50 episodes in 2025 into 10 actionable takeaways that changed how he thinks about money, time, health, relationships, purpose, and more. Link to Full Show Notes: https://chrishutchins.com/top-takeaways-2025-optimize-money-travel-life Partner Deals Gusto: Free 3-month trial of the #1 payroll software Notion: Try Notion Agent free to automate tedious tasks and streamline your work Superhuman: Free month of the fastest and best email with code ALLTHEHACKS DeleteMe: 20% off removing your personal info from the web Bilt Rewards: Earn the most valuable points when you pay rent For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned The 5 Types of Wealth: A Transformative Guide to Design Your Dream Life The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life Die With Zero: Getting All You Can from Your Money and Your Life ATH Podcast Ep #91: Die With Zero: Net Fulfillment Over Net Worth with Bill Perkins Ep #213: The 5 Types of Wealth with Sahil Bloom Ep #215: Medical Travel: Better Care and Lower Costs for Surgery, IVF, Dental, Advanced Screenings and More with Josef Woodman Ep #217: Top AI Tools, Insurance Planning for Fires and More Listener Q&A with Kevin Rose Ep #230: The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life with Nick Maggiulli Ep #233: Money: What Each Generation Gets Right (& Wrong) with Ben Carlson Ep #239: Mini Retirements: How to Take a Break Sooner That Could Also Boost Your Career and Income with Jillian Johnsrud Ep #248: How to Stop Over-Optimizing and Focus on What Matters with Tim Ferriss Ep #249: Earn More Points in Multiplayer Mode with Kai Ep #251: How to Focus on What Matters and Let Go of the Rest with Ryan Holiday Ep #252: Family Travel on Points: Tips, Tricks and Tactics with Nick Reyes Ep #254: The Cost of Always Optimizing with Chris and Amy Ep #256: The Easy Way to Build and Maintain Meaningful Relationships with Nick Gray Ep #259: Choosing the Problems Worth Struggling For with Mark Manson Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (01:24) #1: True Wealth Is Multidimensional (03:13) #2: Focus on What Moves the Needle (10:24) #3: Build a Portfolio That Can Weather Any Storm (13:40) #4: Scale Horizontally, Not Vertically (17:04) #5: Stop Waiting for the Perfect Time (22:38) #6: Scale Yourself With Technology (25:36) #7: You Need to Be the CEO of Your Own Health (29:54) #8: Prioritize Friendship Like You Prioritize Your Health (33:25) #9: Your Purpose Is Already Here, You're Just Too Close to See It (36:13) #10: The Ultimate Optimization Is Knowing When to Stop (38:44) Bonus: Optimize for What Matters Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

YMYW friends, welcome to 2026. What actually mattered most to you in 2025? It turns out to be tax-free gains on investments, retirement timing, and claiming Social Security. Today on Your Money, Your Wealth® podcast number 563, Joe Anderson, CFP® and Big Al Clopine, CPA break down the smartest tax moves, the biggest Roth mistakes to avoid, and how real people solve real retirement problems - with the help of special guests Susan Brandeis CFP® and the IRA guru, Ed Slott, CPA. Find out when Roth conversions help or hurt, how to lower lifetime taxes for you and your heirs, what it really takes to retire confidently, even without a massive portfolio, and more. Watch or listen and steal the financial strategies that made YMYW's most popular episodes of the year.  Free Financial Tools & Resources in This Episode: https://bit.ly/ymyw-563 (full show notes & episode transcript) The Complete Roth Papers Package - 3 free downloads in one! Don't Let These 10 Risks Break Your Retirement - YMYW TV Financial Blueprint (self-guided) EASIRetirement (self-guided) Financial Assessment (Meet with an experienced professional) LISTEN to the Best of the YMYW Podcast 2021,  2022,  2023, 2024 LISTEN to the Top Funniest Moments from the YMYW Podcast Vol. 1, Vol. 2 REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:54 - Roth IRA is "The Greatest Account Ever" Per Ed Slott. But Why? from ep. 526: YMYW most listeners and plays in 2025 on Apple Podcasts, YMYW most downloaded in 2025 across all podcast platforms 20:46 - Is There a Point Where Roth Conversions No Longer Make Sense? (Jerry, Phoenix, AZ) from ep. 535: YMYW most views, watch time, and new subscribers in 2025 on YouTube, most engaged listeners in 2025 on Apple Podcasts 32:13 - Roth Conversions vs. Taking Advantage of Zero Percent Cap Gains (Skipper, CA) from ep. 517: YMYW most consumed episode in 2025 on Apple Podcasts 43:06 - We're in Our Early 40s with $795K Saved. Can We Retire at 55? (Mr Buckeye, OH) from ep. 546: YMYW longest average view duration in 2025 on YouTube 55:12 - Is My Husband Eligible for Spousal Social Security Benefits Now that WEP and GPO Are Gone? (Cherilyn, El Cajon, CA) from ep. 536: YMYW most plays, most listeners, and most viewers in 2025 on Spotify 59:53 - Outro: 2025 Stats and Next Week on the YMYW Podcast

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3860: Tyler Tervooren reveals how schema learning can dramatically improve your ability to explain ideas, teach complex topics, and persuade others. Using simple, relatable examples, he demonstrates why this cognitive shortcut is one of the most effective tools for clear communication and lasting influence. Read along with the original article(s) here: https://www.riskology.co/schema-learning/ Quotes to ponder: "The more distinct pieces of knowledge you have, the more opportunities you have to make connections to new ones." "Connection opportunities are what allow you to learn new concepts faster and recall them easier." "When you're sharing something new with someone, the more potential connections you can make to something they already know, the better shot they'll have at retaining it." Episode references: Your Money or Your Life by Vicki Robin and Joe Dominguez: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we're bringing you a conversation with Carl Richards, and we think this one might just change the way you think—and feel—about money.You might know Carl as The Sketch Guy from his decade-long New York Times column, where he offered disarmingly relatable insights about money using just cardstock and a Sharpie.For Carl, money isn't about spreadsheets and savings accounts—it's a mirror, reflecting to us what we value most deeply. And for this reason, he believes money sits at the center of our spiritual lives.In this conversation, Carl invites us to become what he calls “world-class spenders”—not by spending more, but by spending more intentionally, in ways that align with our deepest values.Carl is a Certified Financial Planner, the bestselling author of The Behavior Gap and Your Money, and hosts the 50 Fires podcast where he has frank, funny, and sometimes difficult conversations about money with guests from all walks of life.Carl believes that money is the last taboo—the topic we often still avoid even with those closest to us. But he has such a gift for helping us recognize the stories and wounds that are shaping our efforts to be good stewards now.So whether you're thinking about end-of-year giving or hoping for a fresh start in the new year, we hope this conversation helps you feel more grounded in your values and more empowered to live—and give—from that place.If you want more of Carl's insights, definitely check out his podcast 50 Fires—it's full of honest, thought-provoking conversations about money with really fascinating guests, and his new book, Your Money: Reimagining Wealth in 101 Simple Sketches. It's smart, accessible, and genuinely so fun to read—you can get it on Amazon or wherever books are sold.