How to Beat the "Fire Hydrant" of Future Taxes: YMYW Best of 2025 - 563
Your Money, Your Wealth
Your Money, Your Wealth
4.6 • 792 Ratings
🗓️ 6 January 2026
⏱️ 63 minutes
🧾️ Download transcript
Summary
YMYW friends, welcome to 2026. What actually mattered most to you in 2025? It turns out to be tax-free gains on investments, retirement timing, and claiming Social Security. Today on Your Money, Your Wealth® podcast number 563, Joe Anderson, CFP® and Big Al Clopine, CPA break down the smartest tax moves, the biggest Roth mistakes to avoid, and how real people solve real retirement problems - with the help of special guests Susan Brandeis CFP® and the IRA guru, Ed Slott, CPA. Find out when Roth conversions help or hurt, how to lower lifetime taxes for you and your heirs, what it really takes to retire confidently, even without a massive portfolio, and more. Watch or listen and steal the financial strategies that made YMYW's most popular episodes of the year.
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https://bit.ly/ymyw-563 (full show notes & episode transcript)
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Chapters:
- 00:00 - Intro: This Week on the YMYW Podcast
- 00:54 - Roth IRA is "The Greatest Account Ever" Per Ed Slott. But Why?
- from ep. 526: YMYW most listeners and plays in 2025 on Apple Podcasts, YMYW most downloaded in 2025 across all podcast platforms
- 20:46 - Is There a Point Where Roth Conversions No Longer Make Sense? (Jerry, Phoenix, AZ)
- from ep. 535: YMYW most views, watch time, and new subscribers in 2025 on YouTube, most engaged listeners in 2025 on Apple Podcasts
- 32:13 - Roth Conversions vs. Taking Advantage of Zero Percent Cap Gains (Skipper, CA)
- from ep. 517: YMYW most consumed episode in 2025 on Apple Podcasts
- 43:06 - We're in Our Early 40s with $795K Saved. Can We Retire at 55? (Mr Buckeye, OH)
- 55:12 - Is My Husband Eligible for Spousal Social Security Benefits Now that WEP and GPO Are Gone? (Cherilyn, El Cajon, CA)
- 59:53 - Outro: 2025 Stats and Next Week on the YMYW Podcast
Transcript
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| 0:00.0 | YMIW friends, welcome to 2026. |
| 0:04.0 | Today on Your Money, Your Wealth podcast number 563, |
| 0:07.0 | we're revisiting your favorite topics of 2025. |
| 0:10.0 | As joined Big Al Spitball on when not to do Roth conversions, |
| 0:14.0 | Roth conversions versus 0% capital gains tax rates, |
| 0:18.0 | and how much is enough for retirement. |
| 0:20.0 | Plus, Al Talks Social Security, |
| 0:21.9 | pensions, and Roths with a couple of special guests. I'm executive producer Andy Last with the |
| 0:26.8 | hosts of Your Money, Your Wealth, Joe Anderson, CFP, and Big Al Clopoint CPA. We'll kick off the best of |
| 0:33.3 | 2025 with the single YMIW episode that was the most downloaded all year across all podcast platforms, |
| 0:40.5 | as well as having the most listeners and the most plays all year in Apple Podcasts. |
| 0:45.3 | Big Al Dishing on why Roth IRAs are the greatest account ever with the Roth IRA guru, Ed Slot CPA. |
| 0:52.4 | You know, we were just talking about how when we have a tax issue, we're much more likely |
| 0:59.9 | to go to your website than the IRS website because your answers are written in English, |
| 1:04.5 | clear and concise, understandable, and the IRS is not quite so much that way. |
| 1:09.7 | Well, they're rigid. |
| 1:11.0 | They have to stick to the, you know, this is code section 40189 and this and that and it's regs and this. |
| 1:16.9 | Yeah. |
| 1:17.3 | And some people just want to know, can I do this or not? |
| 1:20.1 | Right, right. |
| 1:21.2 | Yeah. |
| 1:21.7 | So let's talk about, you and I have talked about Roth IRAs, Roth conversions. |
... |
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