Asset Location, Investing Property Sale Proceeds, and Maxing Tax-Free Retirement - 537
Your Money, Your Wealth
Your Money, Your Wealth
2.3 • 681 Ratings
🗓️ 8 July 2025
⏱️ 36 minutes
🧾️ Download transcript
Summary
You’ve got your tax-free Roth accounts and your tax-deferred retirement accounts. Should you invest the same way in each? Kevin in Denver wants to know. Jim and Pam in Orange County are eligible for combat zone tax exclusions (CZTE). How else can they maximize their tax-free retirement strategy? Susan Brandeis, CFP® spitballs with Big Al Clopine, CPA, today on Your Money, Your Wealth® podcast number 537. Plus, should Ned in Tokyo sell his Bay Area rental property and invest the proceeds? And Bob and Brigette in Wisconsin got a late start on Roth IRA savings. Should they prioritize saving into a Roth, brokerage account, or 401(k)?
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Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
00:46 - Should the Asset Location of Our Accounts Be Independent of Each Other? (Kevin, Denver)
08:54 - CTZE - Any Other Ways to Maximize Our Tax-Free Retirement Strategy? (Jim & Pam, Orange County)
17:19 - Watch How to Build a Recession-Proof Portfolio on YMYW TV, Download the Recession Protection Guide
18:00 - Should We Sell a Rental Property and Invest the Proceeds? (Ned, Tokyo, Japan)
25:37 - Got a Late Start on Roth IRA Savings. Should I Prioritize Roth, Brokerage, or 401(k)? (Bob & Bridgette, WI)
34:49 - Next Week on YMYW Podcast
Transcript
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| 0:00.0 | You've got your tax-free Roth accounts and your tax-deferred retirement accounts. |
| 0:04.0 | Should you invest the same way in each? |
| 0:07.0 | Kevin and Denver wants to know. |
| 0:09.0 | Jim and Pam in Orange County are eligible for combat zone tax exclusions. |
| 0:13.0 | How else can they maximize their tax-free retirement strategy? |
| 0:16.0 | Until Joe Anderson returns next week, Susan Brandeis CFP Spitballs with Big Alclobine CPA |
| 0:22.2 | today on Your Money, Your Wealth podcast number 537. |
| 0:26.2 | Plus, should Ned in Tokyo sell his Bay Area rental property and invest the proceeds? |
| 0:31.9 | And Bob and Bridget in Wisconsin got a late start on Roth IRA savings. |
| 0:35.9 | Should they be prioritizing saving in Roth, |
| 0:38.2 | brokerage account, or 401K? |
| 0:40.0 | I'm executive producer Andy Last with Susan Brandeis CFP |
| 0:43.3 | and Big Alclopine CPA. |
| 0:45.7 | All right. Next up is Kevin in Denver. |
| 0:48.2 | He says, hi, Andy and the boys. |
| 0:49.4 | It's been a while since I reached out, |
| 0:50.8 | and the retirement clock is ticking louder and louder. |
| 0:54.0 | I couldn't bear listening to myself, so I'm leaving it up to Joe, or in this case, Andy. |
| 0:59.0 | B-L-U-F, which I believe is bottom line up front. |
| 1:03.0 | Should the investment mix of our Roth accounts and tax-deferred accounts be independent of each other, |
| 1:09.0 | or should I take a holistic view of all the accounts |
| 1:12.6 | when determining a total asset mix? He says, I currently have a total investment mix of 60, 30, 10, |
... |
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