Where to Invest for Pre-Retirement and a GO-GO Lifestyle? - 539
Your Money, Your Wealth
Your Money, Your Wealth
2.3 • 681 Ratings
🗓️ 22 July 2025
⏱️ 27 minutes
🧾️ Download transcript
Summary
Roger in Canton, Ohio, is burnt out. Can he and his wife Jane pre-retire next year in their mid-50s with $2.8 million? Joe and Big Al spitball on whether they’ll still have enough money for their Go-Go years, Joe’s favorite, today on Your Money, Your Wealth® podcast number 539. Roger also has an employee stock purchase plan. For the best asset location strategy, should he max out the ESPP at a 15% discount, convert to Roth IRA, build his brokerage account, or a little of all the above? Speaking of asset location, some of our YouTube viewers object to the idea of putting higher performing assets in your Roth account. They say you can’t write off the losses and you’ll be exposed to sequence of returns risk. Stick around for Joe and Al’s response.
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Timestamps:
00:00 - Intro: This Week on the YMYW Podcast
02:03 - I’m Burned Out. Can I Pre-Retire Next Year? (Roger & Jane, Canton, OH)
11:46 - Watch Recipe for Retirement | Retirement Plans Explained on YMYW TV and Calculate Your Free Financial Blueprint
12:50 - Would You Rather for Asset Location: Roth vs. Brokerage? Roth vs. ESPP with 15% Discount? (Roger & Jane, Canton, OH, cont'd)
21:08 - Higher Performing Assets in Roth Exposes You To Sequence of Returns Risk and You Can't Write Off The Losses (YouTube comment)
24:54 - Next Week on the YMYYW Podcast
25:27 - Download Why Asset Location Matters for Free
Transcript
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| 0:00.0 | Roger in Canton, Ohio is burnt out. Can he and his wife Jane pre-retire next year in their mid-50s with $2.8 million? |
| 0:08.4 | Joe and Big Al Spitball on whether they'll still have enough money for their go-go years, Joe's favorite, today on Your Money, Your Wealth Podcast number 539. |
| 0:17.0 | Roger also has an employee stock purchase plan for the best asset location strategy should he max out the ESPP at a 15% discount, convert to Roth IRA, build his brokerage account, or little of all the above. |
| 0:30.4 | Speaking of asset location, some of our YouTube viewers object to the idea of putting higher performing assets in your Roth account. |
| 0:37.3 | They say you count right off the losses and you'll be exposed to sequence of returns risk. |
| 0:42.1 | Stick around for Joe and Al's response. |
| 0:44.1 | I'm executive producer Andy Last and here at Long Last are the hosts of your money, your wealth, |
| 0:49.4 | Joe Anderson's CFP and Big Al Clopine CPA. |
| 0:52.8 | It's been a minute since we've been here live. |
| 0:57.0 | Our studio is in massive construction zone, so we're sitting here at our desks. |
| 1:02.1 | Andy's in Australia. |
| 1:05.1 | Yep. |
| 1:05.8 | Big Al, you're back from a European trip for the last five weeks. |
| 1:10.9 | That's correct. Yes, and I came back from a European trip for the last five weeks. That's correct. |
| 1:11.9 | Yes. |
| 1:12.8 | And I came back from a very beautiful trip from Minnesota. |
| 1:17.4 | You spent some time in Arkansas, too, didn't you? |
| 1:19.7 | Arkansas and Minnesota. |
| 1:21.6 | Yeah. |
| 1:22.0 | That sounds like two family trips there. |
| 1:25.1 | Yeah. |
| 1:25.8 | Obligations, not vacations, but. |
... |
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