Retirement math with a side of banter.
Your Money, Your Wealth works through real listener retirement cases, from Roth conversions and Social Security timing to 72T withdrawals, pensions, annuities, and big taxable accounts. The tone is loose, but the math is constant: spending, taxes, withdrawal rates, and what can go wrong if the plan is too neat.
PRESS PLAY
Your Money, Your Wealth is built for people who bring messy retirement questions, not tidy hypotheticals. The show reads through detailed listener cases and then tests them against the math that actually matters. Ages matter. Account types matter. Spending matters more than almost anyone wants to admit. Joe Anderson CFP and Big Al Clopine CPA spend a lot of time on Roth conversions, Social Security timing, early retirement bridges, required minimum distributions, annuities, pensions, taxable brokerage accounts, and the tax drag that can hide inside a large nest egg. The conversations move fast, but they rarely float above the numbers. A listener might have a large portfolio, a looming layoff, and stock options to sort out. Another might have a smaller portfolio, no heirs, no budget, and a paid-off car. The show gives both cases attention without pretending they are the same problem. It is especially useful for listeners who already know the basics and want to hear how planning choices change when income, taxes, family, and timing collide. Early retirement plans get a skeptical but fair treatment. A 72T election may sound like a clever bridge, but the show asks what happens if the strategy boxes the household in. Roth conversions are treated the same way. Sometimes they are obvious. Sometimes capital gains, future tax brackets, or inheritance goals make the answer less clean. The style is part calculator session, part table talk. Listener nicknames, car details, drink preferences, and old movie references break up the density without replacing the analysis. Andy Last appears as the executive producer presence who sets up episodes and keeps the audience moving into each case. The show can be dry, blunt, and lightly amused by overconfident plans, but it stays anchored in practical tradeoffs. Its best moments come when a complicated question becomes a few levers: spend less, convert slowly, delay claiming, work longer, shift risk, or accept that the plan is probably fine. That makes it a strong fit for retirement planners who want useful uncertainty instead of one-size-fits-all certainty.
Made for: Best for retirement-focused savers, early-retirement planners, and financially curious households who already have real numbers to think through. It especially suits listeners comparing Roth conversions, Social Security timing, tax strategy, pensions, spending rates, and family support decisions.
What sets it apart: The show stands out by doing practical case math in public, with real listener balances, ages, spending targets, and tax questions driving the conversation. It feels less like a lecture and more like experienced planners stress-testing a plan at the table.
Making fun of finance. A US News & World Report "Top 9 Personal Finance Podcast" (2025) and "Top 12 Retirement Podcast" (2023). One of the "10 Best Personal Finance YouTube Channels" (CardRates, 2023). "Best Retirement Podcast With Humor" (FIPhysician, 2020-2024). Learn strategies that can help you retire successfully. Financial advisor Joe Anderson, CFP® and certified public accountant Big Al Clopine, CPA answer your money questions and spitball on your 401k, IRA, Roth conversions and backdoor Roth IRA, how to pay less taxes, asset allocation, stocks and bonds, real estate, and other investments, Social Security benefits, capital gains tax, 1031 exchange, early retirement, expenses and with…
Based on 6 episodes we listened to · September 2026
Detailed listener finances become approachable retirement case studies, with taxes, withdrawal choices and timing tested against the numbers.
Your Money, Your Wealth turns detailed listener scenarios into practical retirement analysis. Joe Anderson and Big Al Clopine work directly from household savings, spending, pensions and account balances, testing choices against tax brackets and the years money may need to last.
A $2.2 million retirement account becomes a bee sting; your tax questions get numbers and jokes.
Press play if you want
Short reviews from the PlayNext desk, based on the episodes we processed.
A $2.2 million balance looks smaller once taxes and timing start taking their cut.
Your Money, Your Wealth spends the hour on a simple but useful warning: retirement balances can look far larger on paper than they do after taxes and timing get their say.
Early retirement plans are tested against bridge money, spending, and retirement-account strategy.
Early retirement is the real center of the conversation, with the focus staying on bridge money, spending burn, and whether a brokerage account can realistically carry someone from 53 to Social Security.
Retirement math gets personal when aging parents, pensions, and early exits share the same spreadsheet.
Retirement planning turns personal here before it turns technical. Daniel in Texas is 40 and looking ahead to the possibility of supporting aging parents if their money runs out, while Gemma considers whether guaranteed income would help her 82-year-old mother or cause…
Five retirement crossroads are tested against cash flow, taxes, timing, and the lifestyle a portfolio needs to support.
Retirement timing gets worked from several angles: a 42-year-old considering a private-equity offer, David managing a million-dollar portfolio on his own at 66, Bebe and Shell planning their last year of retirement contributions, Joel looking at required minimum distributions,…
A grounded retirement-money discussion about taxes, inheritance, Social Security, bonds and one very specific cruise decision.
Retirement advice is at its clearest when tax strategy runs into a real household choice, and this episode stays in that useful territory. Nancy in Washington is looking at a 401(k) loan that would pay herself back at 9% interest, while Brian in Naperville, Illinois, asks…
A practical Roth conversion discussion for listeners balancing tax brackets, RMDs, and spending needs.
Roth conversions are treated here as a planning question, not a default recommendation. Jill Anderson, CFP, and Big Al Clopine, CPA, move through several listener situations: TJ in PA with large capital gains, a New England couple over 70, Viking Barnsey's tax-deferred accounts,…
Paul Haavardsrud unpacks Canadian money stories, from ski-hill VIP pricing to French butter tariffs.
Real-estate freedom, taught in plain numbers.
This episode discusses safe withdrawal rates in retirement planning, addressing listener questions about financial phases, Social Security strategies, and tax implications.
Joe and Big Al discuss retirement strategies for people with modest savings, addressing specific listener cases and their financial goals.
Joe Anderson and Big Al Clopine answer listener questions on retirement strategies in episode 517 of Your Money, Your Wealth.
Hosts Joe Anderson and Big Al Clopine analyze listener questions about Roth conversions for retirement planning.
Your Money, Your Wealth episode 591 examines Roth conversions and retirement timing through cases involving B and S in Maryland, V in Oregon, and Chandler and Monica in Texas.
This episode discusses the potential pitfalls of using the 72T tax election for early retirement, featuring listener questions about withdrawal strategies, asset allocation, and financial planning for layoffs.
This episode discusses the pros and cons of Roth conversions for various listener scenarios, including those with high capital gains, nearing retirement, or aggressive strategies.
This episode discusses retirement planning strategies, including the Die With Zero philosophy, with callers seeking advice on balancing personal retirement goals with financially supporting their children.
This episode analyzes Social Security claiming strategies for different retirement scenarios, featuring listener questions about timing benefits with financial situations.
This episode analyzes multiple retirement scenarios including a 68-year-old single man with $1.6 million saved who has never budgeted, exploring how much he can actually spend in retirement.
Tyrone is looking at $2.2 million before taxes.
Julie Anderson CFP and Big Al Clopine tackle five early-retirement plans.
Joe Anderson and Big Al Clopine work through several retirement questions with real-life pressure behind them.
["Your Money, Your Wealth episode 569 follows five retirement crossroads, from a 42-year-old Illinois business owner with a $14 million offer to a 65-year-old couple choosing Roth versus traditional contributions.", "Fine and Dandy describes about $4 million in taxable brokerage, about $4 million in tax-deferred accounts, a $550,000 rental, a $500,000 condo with a $180,000 mortgage, and a planned $2.5 million vacation home.", "Joey Anderson, CFP, and Big Al Clopine, CPA, say a 36% current tax bracket usually favors pre-tax contributions, while January-versus-December RMD timing is mainly a cash-flow and market-growth choice.", "Brian in Albany, New York and David in Logan, New Mexico push the episode toward retirement logistics, asking how much cash to hold and how to simplify finances before cognitive decline or assisted living."]
This episode addresses three listener questions about retirement planning, focusing on Roth conversions versus IRMAA considerations, using retirement funds to pay off a mortgage, and optimizing withdrawal strategies from different accounts.
This episode addresses listener questions on retirement strategies including 72T early withdrawals, tech stock portfolios, annuities, and ESOP/NUA explanations.