I really feel like I've been more balanced than ever in my life, more time off,

that's following things that are fun for me, and yet the business is also growing faster than ever.

So Ron and I have lived both versions, and now feel like we're living, what we call the Sustainable Edge,

where balance leads to growth and growth leads to balance.

That's Scott Ford, co-author of The Sustainable Edge, 15 minutes a week to a richer

entrepreneurial life.

Today on your money, your wealth, Scott tells Joe and Big Al how he and his co-author Ron Carson

achieved faster business growth and a better work-life balance on the Sustainable Edge.

Can you avoid state taxes in retirement by getting a PO box in a no state tax state?

The fellows answer that one, and Big Al lists 10 timeless financial tips and the four documents

you'll want for a solid estate plan.

Now, here are Joe Anderson, CFP and Big Al Clopine, CPA.

Thank you for tuning in.

Got a great show lined up.

Well, I don't know how great it's going to be, but we'll figure it out as we go. Big Al is running a little bit late. So I'm going to switch it up a little bit and get to the email bag. I found this interesting. I got this email from an individual. And he was talking about a Roth IRA and a Roth IRA conversion.

And he goes, how does the five-year holding rule of Roth assets apply to real estate gains?

So here's the question.

He goes, if a Roth account is over five years old in a real estate asset is transferred into the existing Roth IRA with the appropriate taxes paid upon transfer and then in four years the asset is sold for a

20% profit. Does this profit need to stay in the Roth for five more years in order to be taken out tax-free?

Or does the five-year distribution rule start on the date of the initial transfer?

So let's talk about a few different things, because here's a whole bag full of goodies there.

Roth IRAs, first of all, is an after-tax contribution.

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