Don't Let Money Anxiety Ruin Your Retirement - 552
Your Money, Your Wealth
Your Money, Your Wealth
2.3 • 681 Ratings
🗓️ 21 October 2025
⏱️ 36 minutes
🧾️ Download transcript
Summary
Joe Anderson, CFP® and Big Al Clopine, CPA tackle the fears that mess with even the best-laid financial plans, today on Your Money, Your Wealth® podcast 552. Big Wallet Barbie and Ken from the Midwest have saved millions, but Barbie's still worried about retiring early, buying a new house, and converting to Roth. Is she second-guessing her plans? The fellas spitball for Dan from Florida, who's flying high in the 35% tax bracket and trying to decide between Roth 401(k) contributions and future Roth conversions. They also float a surprising idea - one that's rare on YMYW - for a listener from Chicago who is FIRE'd Up about Roth vs. pre-tax and making a tax-smart wealth transfer. We'll wrap up with a couple of your comments.
Free Financial Resources in This Episode:
https://bit.ly/ymyw-552 (full show notes & episode transcript)
The Truth About Your Love/Hate Relationship With Money - 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
00:49 - Big Wallet Barbie and Ken's Roth Conversion, Retirement, and Home Purchase Strategy (Barbie Mattel, Midwest)
08:58 - Roth 401(k) Contributions or Roth Conversions? Flying High in the 35% Tax Bracket (Dan, FL)
17:23 - High-Earners Planning FIRE and Wealth Transfer: Roth, Pre-Tax… Life Insurance? (FIRE'd Up, Chicago)
29:56 - Correction on Spousal Social Security Benefits After the Fairness Act (Cindy)
33:37 - Follow Up: The Kids Are Pretty Alright (Lucas, MN)
34:44 - Outro: Next Week on the YMYW Podcast
Transcript
Click on a timestamp to play from that location
| 0:00.0 | Joe and Big Al tackled the fears that mess with even the best laid financial plans. |
| 0:04.8 | Today on your money, your wealth podcast number 552. |
| 0:08.4 | Big Wallet Barbie and Ken from the Midwest have saved millions, but Barbie's still worried about |
| 0:13.2 | retiring early, buying a new house, and converting to Roth. |
| 0:16.7 | Is she second guessing her plans? |
| 0:18.9 | The fellow spitball for Dan from Florida, who's flying high in the 35% tax bracket and trying |
| 0:23.6 | to decide between Roth 401 contributions and future conversions. |
| 0:28.6 | They also float a surprising idea, one that's rare on YMIW, for a listener from Chicago who's |
| 0:33.6 | fired up about Roth versus pre-tax and making a tax-smart wealth transfer. |
| 0:38.9 | We'll wrap up with a couple of your comments. |
| 0:41.3 | I'm executive producer Andy Last and here are the hosts of Your Money, Your Wealth, |
| 0:45.4 | Joe Anderson, CFP and Big Al Clopline CPA. |
| 0:48.9 | All right, let's go to Barbie in the Midwest. |
| 0:53.7 | Barmy Mattel. |
| 0:55.5 | All right. |
| 0:56.1 | Okay. |
| 0:57.0 | Joe, Big Al, Andy. |
| 0:58.7 | I love your show. |
| 0:59.7 | I would appreciate a spitball on my scenario. |
| 1:02.3 | If you think I can retire at age 57. |
| 1:05.8 | All right. |
| 1:06.2 | I'm 56 and I'm still working. |
... |
Please login to see the full transcript.
Disclaimer: The podcast and artwork embedded on this page are from Your Money, Your Wealth, and are the property of its owner and not affiliated with or endorsed by Tapesearch.
Generated transcripts are the property of Your Money, Your Wealth and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.
Copyright © Tapesearch 2025.