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Your Money, Your Wealth

Your Money, Your Wealth
Retirement Planning
Roth Conversions
Social Security
Roth IRA
Investment Strategies
Financial Planning
Tax Strategies
Capital Gains Tax
Early Retirement
Asset Allocation
Tax Planning
Tax Strategy
Pensions
Financial Independence
Annuities
Traditional IRA
401(k)
Financial Literacy
Financial Advisors
Required Minimum Distributions (rmds)

Making fun of finance. A US News & World Report "Top 9 Personal Finance Podcast" (2025) and "Top 12 Retirement Podcast" (2023). One of the "10 Best Personal Finance YouTube Channels" (CardRates, 2023). "Best Retirement Podcast With Humor" (FIPhysician, 2020-2024). Learn strategies that can help you retire successfully. Financial advisor Joe Anderson, CFP® and certified public accountant Big Al Clo... more

PublishesWeeklyEpisodes594Founded17 years ago
Number of ListenersCategories
InvestingBusinessEducation

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Artwork for Your Money, Your Wealth

Latest Episodes

Schedule a Free Financial Assessment with an experienced professional:

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How do you buy a house as a young person, without wrecking your long-term retirement plan? That’s today on Your Money, Your Wealth® podcast 599, as Jo... more

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Today on Your Money, Your Wealth® podcast 598, Joe Anderson, CFP® and Big Al Clopine, CPA spitball early retirement planning for Shua in Phoenix, who ... more

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Joe Anderson, CFP® and Big Al Clopine, CPA are spitballing Roth conversions from every angle today on Your Money, Your Wealth® podcast number 597. Joh... more

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Each of the questions Joe Anderson, CFP® and Big Al Clopine, CPA are spitballing today on Your Money, Your Wealth® podcast 596 has a real retirement r... more

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Number of Listeners
Find out how many people listen to this podcast per episode and each month.

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Recent Guests

Jonathan and Jennifer
Listeners from Phoenix with multi-million-dollar tax-deferred accounts considering Roth strategies
Phoenix, Arizona (listener guests)
Episode: We Have $12 Million. Should We Do Roth Conversions? - 597
Harry Burns
Caller seeking spitball advice on retirement strategy
Episode: When to Claim Social Security and Why Full Roth Conversion Might be a Mistake - 595
Klo Jopine
Listener from Utah asking about Roth vs pre-tax for a self-employed individual
Listener
Episode: Too Much 401k Money? The $3M Roth Conversion Problem - 579
Chase & Ryder
Couple planning to retire, with large pensions and 401(k) assets
Brewing company employees
Episode: The Retirement Question Every Couple Asks: Can We Afford It? - 578
Dolly Parton
Caller referencing inheritance/estate planning with a cultural example
Musician
Episode: The Retirement Question Every Couple Asks: Can We Afford It? - 578
Steve Edelman
Caller from Minnesota, laid off at 56 with complex benefits
Episode: This Early Retirement Strategy Could Be a Huge Mistake - 577
Sharon Edelman
Caller spouse from Minnesota
Episode: This Early Retirement Strategy Could Be a Huge Mistake - 577
TJ from PA
Listener who asked about Roth conversions for a couple planning retirement
Listener
Episode: When Roth Conversions Don't Make Sense (And When They're a No-Brainer) - 576
Rebels Without a Gauze
Listener group from New England referenced in the episode
Listener group
Episode: When Roth Conversions Don't Make Sense (And When They're a No-Brainer) - 576

Hosts

Joe Anderson
Host of the show; CFP® professional; co-founder of Pure Financial Advisors
Big Al Clopine
Co-host; CPA; tax and investment insights
Andi Last
Executive Producer (facilitates show and guests)

Reviews

4.6 out of 5 stars from 889 ratings
  • Roth conversion funny

    I never miss a show. It’s hilarious how they tie themselves in knots trying to justify doing Roth conversions. Last episode they recommended a 72 yo man borrowing with a heloc to do conversions up to the top of whatever bracket. Regardless, I always learn a lot!

    Apple Podcasts
    3
    TominLouisville
    United States2 months ago
  • Solid advice, great chemistry

    Been listening for 6 months and I really appreciate this group’s views on investing and their no-nonsense advice. They have great chemistry between the three and Joe never fails to completely screw up some (often several) words in reading the questions on the show.

    I appreciate the perspectives of both a CFP and a CPA, and enjoy listening to Andi and Al laugh at Joe while he laughs at himself. A lot of the questions come from people like my wife and I (have a big-assed wallet) and it’s good t... more

    Apple Podcasts
    5
    sageofbaltimore
    United States2 months ago
  • Awesome podcast

    We love this podcast - even though it’s the same thing over and over again we find it entertaining !

    Apple Podcasts
    5
    DrFR3
    United States2 months ago
  • YMYW

    My go to financial podcast

    Apple Podcasts
    5
    SandyD57
    United States3 months ago
  • Can’t Wait for Tuesdays!!

    Been listening for 7+ yrs and still the best financial podcast out there for experienced investors!

    Apple Podcasts
    5
    Moneygirlout
    United States3 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Cons: some episodes feel conservative on withdrawal rates.
Pros: practical, actionable retirement tips with humor.
Listeners appreciate the clear math and real-world examples.
Audience enjoys banter and real-life scenarios for relatable planning.
Guests and topics feel relevant to high-net-worth and approaching-retirement audiences.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Apple Podcasts
#52
United States/Business/Investing
Apple Podcasts
#227
United States/Business
Apple Podcasts
#211
Mexico/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

When to Claim Social Security and Why Full Roth Conversion Might be a Mistake - 595
Q: When should I claim Social Security if I have a large non-qualified bucket and a significant pension?
The hosts recommend evaluating the higher-benefit spousal strategy, often pausing until 70 for the higher earner and aligning the lower earner's claim with a reasonable date (67-62) to optimize lifetime benefits, while keeping the portfolio's distribution rate sustainable.
Roth Conversions and RMDs: Are You Ready to Retire? - 591
Q: Is the Roth conversion plan solid given the couple's current income and spending?
Yes, the hosts walk through converting portions of the IRA to Roth gradually, especially in lower tax brackets and during market dips, to maximize long-term tax-free growth while keeping withdrawals within current tax brackets.
Roth Conversions vs. RMDs: Which Tax Bill Hurts More? - 587
Q: Is there a Roth conversion strategy for him, given his age and income?
Yes, convert portions to stay within favorable tax brackets (often targeting the 12% bracket) when market conditions are favorable, and consider delaying or staggering conversions to manage future RMDs and Social Security implications.
Safe Withdrawal Rate Debate: How Much Can You REALLY Spend in Early Retirement? - 582
Q: At what withdrawal rate would you consider returning to work if markets perform poorly for three to four years?
The hosts suggest using a sleep-factor plus scenario testing; a sabbatical could be viable with a higher distribution rate (around 2.5% to 3%) for a defined period, but if the market downturns persist, they would reassess and consider returning to work.
Roth Conversions, Pension Lump Sums & Annuities: Is Bigger Always Better? - 581
Q: Should we take the lump sum or the pension for the June couple?
The hosts discuss using a back‑of‑the‑envelope IRR comparison and longevity considerations; in this case the lump sum is favored if the individual can achieve or exceed the pension's guaranteed lifetime income through investments, especially given Social Security and other income.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
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Frequently Asked Questions About Your Money, Your Wealth

What is Your Money, Your Wealth about and what kind of topics does it cover?

This show focuses on practical retirement planning, tax-efficient investing, and withdrawal strategies, often illustrated through real-life case studies and live “spitball” analysis. Episodes frequently cover Roth conversions, Social Security timing, RMDs, and how to structure assets across traditional and tax-advantaged accounts to maximize flexibility and long-term wealth. The hosts mix humor with rigorous math, peppering discussions with listener questions and relatable scenarios that range from high-net-worth to more moderate portfolios. A notable strength is turning complex tax and retirement concepts into accessible, actionable guidance while promoting a core advisory offering.

Listeners probably include financially literate individu... more

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Which podcasts are similar to Your Money, Your Wealth?

These podcasts share a similar audience with Your Money, Your Wealth:

1. Stay Wealthy Retirement Podcast
2. Retirement Starts Today
3. Ready For Retirement
4. Retirement Answer Man
5. Sound Retirement Radio

How many episodes of Your Money, Your Wealth are there?

Your Money, Your Wealth launched 17 years ago and published 594 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Your Money, Your Wealth?

Recent guests on Your Money, Your Wealth include:

1. Jonathan and Jennifer
2. Harry Burns
3. Klo Jopine
4. Chase & Ryder
5. Dolly Parton
6. Steve Edelman
7. Sharon Edelman
8. TJ from PA

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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