The Retirement Question Every Couple Asks: Can We Afford It? - 578
Your Money, Your Wealth
Your Money, Your Wealth
4.6 • 790 Ratings
🗓️ 21 April 2026
⏱️ 44 minutes
🧾️ Download transcript
Summary
"Chase and Ryder" are 56 and 55 with $5 million saved and huge pensions the day they retire. So why are they so nervous about pulling the trigger? That's today on Your Money, Your Wealth® podcast number 578 with Joe Anderson, CFP® and Big Al Clopine, CPA. "Andy and April" are 46 with $2.4 million saved and 10 years until they want to retire. Can they get there, and do they need a trust? "Burt and Sally" are in their late forties with solid pensions and a retirement dream, but is the math close enough to make it work? Finally, does "Dolly" have any options for squeezing more out of Social Security when she and her spouse have identical benefits? She's inheriting a brokerage account too, and wonders about the asset mix.
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Chapters:
00:00 - Intro: This Week on the YMYW Podcast
00:58 - $5.5M, Big Pensions: Safe to Retire at 57? (Chase & Ryder, San Diego)
10:39 - We're 46. Can We Retire in 10 Years? Do We Need a Trust? (Andy & April, CA)
21:28 - Can We Retire in 2027 With a Pension + $655K? (Burt & Sally, Nonesuch, KY)
34:19 - How to Max Social Security with No Spousal Benefit? (Dolly, TN)
41:41 - Outro: Next Week on the YMYW Podcast
Transcript
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| 0:00.0 | Chase and Ryder are 56 and 55 with $5 million saved and huge pensions the day they retire. |
| 0:08.0 | So why are they so nervous about pulling the trigger? |
| 0:11.0 | That's today on your money, your wealth podcast number 578. |
| 0:15.0 | Andy and April are 46 with $2.4 million saved and 10 years until they want to retire. Can they get there and do they |
| 0:22.4 | need a trust? Bert and Sally are in their late 40s with solid pensions and a retirement dream, |
| 0:27.7 | but is the math close enough to make it work? Finally, does Dolly have any options for squeezing |
| 0:32.6 | more out of Social Security when she and her spouse have identical benefits? She's inheriting a brokerage account, too, and wonders about the asset mix. |
| 0:40.9 | If you're listening on Apple Podcasts, please do us a favor. |
| 0:44.0 | Follow the show and leave your honest ratings and reviews so new listeners know whether YMYW is worth their time. |
| 0:49.8 | I'm executive producer Andy Last, and here are the hosts of your money, your wealth, |
| 0:54.6 | Joe Anderson, CFP, and Big Al Clopine CPA. |
| 0:58.3 | Let's see, we got Chase and Ryder. |
| 1:00.6 | Oh, well, Paw Patrol. |
| 1:02.9 | Oh, my son loves Pop Patrol. |
| 1:05.2 | I was going to say, have you been watching that? |
| 1:07.4 | Oh, yeah. |
| 1:08.1 | I fortunately don't know that show. |
| 1:09.5 | Pop Patrol, Pop Patrol, you're in trouble. Oh, boy, I fortunately don't know that show. Pop patrol, pop patrol. |
| 1:12.0 | You're in trouble. |
| 1:14.0 | Oh, boy. |
| 1:14.5 | You know the whole thing. |
| 1:15.8 | We're coming on the double. |
... |
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