Early Withdrawals, Tech Stocks vs. International, Annuities, ESOP and NUA - 533
Your Money, Your Wealth
Your Money, Your Wealth
2.3 • 681 Ratings
🗓️ 10 June 2025
⏱️ 34 minutes
🧾️ Download transcript
Summary
Before she retires next month at age 52, Rowan in Georgia wonders how to maximize growth in her IRA, which will be funded with 72(t) early retirement withdrawals. What do Joe Anderson, CFP® and Big Al Clopine, CPA think of her substantially equal periodic payment plan? And how should she allocate it? Michael in Virginia isn’t interested in any international investments and is instead invested in stocks like Google, Amazon, Microsoft, Meta, and Berkshire. What adjustments would the fellas make to his portfolio for long term growth? That’s today on Your Money, Your Wealth® podcast 533. Plus, our friend Will, who is not a gas siphoner, wants Joe and Big Al’s opinion on "backdoor Rothing" his solo 401(k) instead of having an emergency fund, and on what he should do with his annuity. Also, the fellas explain ESOP and NUA - that is, employee stock ownership plans and net unrealized appreciation - for Tess and Finn in Texas.
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Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
01:05 - How Do I Maximize My 72(t) Early Retirement Withdrawals? (Rowan, GA - voice)
10:24 - Watch 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV, Calculate your free Financial Blueprint
11:23 - I'm Not Interested in International Investments. Does My Asset Allocation of Tech Stocks Make Long-Term Sense? (Michael, VA)
14:18 - Should I Backdoor Roth My Solo 401(k) Income Instead of Having an Emergency Fund? What Should I Do With My Annuity? (Will the Gas Siphoner)
24:44 - Schedule a Free Financial Assessment With Pure Financial Advisors
25:53 - ESOP and NUA Explained (Tess & Finn, TX)
31:53 - Tribute to Betsey Clopine, 1933 - 2025
33:17 - YMYW Podcast Outro
Transcript
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| 0:00.0 | Before she retires next month at age 52, Rowan and Georgia wants to maximize growth in her IRA, |
| 0:06.0 | which will be funded with 72T early retirement withdrawals. |
| 0:09.0 | What did Joe and Big Al think of her substantially equal periodic payment plan, and how should she allocate it? |
| 0:15.0 | Michael and Virginia isn't interested in any international investments and is instead invested in stocks like Google, Amazon, Microsoft, |
| 0:21.7 | Meta, and Berkshire. |
| 0:23.2 | What adjustments would the fellows make to his portfolio for long-term growth? |
| 0:27.0 | That's today on Your Money, Your Wealth podcast number 533. |
| 0:30.8 | Plus, our friend Will, who is not a gas siphoner, wants Joe and Big Al's opinion on |
| 0:35.1 | backdoor roughing his solo 401k instead of having an emergency fund |
| 0:39.4 | and on what he should do with his annuity. Also, the fellows explain ESOP and Nua, that is, |
| 0:45.1 | employee stock ownership plans and net unrealized income for Tess and Finn in Texas. |
| 0:50.3 | I'm executive producer Andy Last with the hosts of Your Money, Your Wealth, Joe Anderson, CFP, and Big Al Clopline CPA. |
| 0:57.4 | To get our retirement spitball analysis of your own, click or tap, Ask Joe and Big Al in the episode description to send us an email or a voice message like this one. |
| 1:05.3 | Hi, Joe, Big Al, and Andy. My name is Rowan, and I live in Georgia. |
| 1:10.3 | Though I grew up in St. Paul, Minnesota and consider |
| 1:13.1 | myself a distant cousin to Joe. |
| 1:15.1 | I've been listening to y'all's show for over two glorious years now, and it's my favorite |
| 1:19.8 | podcast of all time. |
| 1:21.9 | I like to listen in bed early in the morning before I have to get up to go to work for |
| 1:25.7 | demand. |
| 1:26.7 | I'm 52 years old with two |
| 1:28.5 | children, two dogs, two cats, and zero husbands. I drive a 2013 Audi Q7 that I plan to drive |
... |
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