{"podcast":{"title":"Your Money, Your Wealth","slug":"your-money-your-wealth-833911","podcast_index_feed_id":833911,"rss_url":"https://feeds.captivate.fm/your-money-your-wealth/","website_url":"http://yourmoneyyourwealth.com","image_url":"https://artwork.captivate.fm/7f020c3d-dd17-4c35-a02d-4efe7f20a328/ymywpodcast.jpg","author":"Your Money, Your Wealth","episode_count":587,"summary":"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 withdrawals, and more money and wealth management strategies. YMYW is retirement planning, investing, and tax reduction made fun, presented by Pure Financial Advisors - a fee-only financial planning firm. Pure Financial adheres to the fiduciary standard of care, in which we are required by law to act in the best interest of our clients at all times. Access free financial resources and episode transcripts, Ask Joe & Big Al On Air to get your Retirement Plan Spitball Analysis: http://YourMoneyYourWea…","last_synced_at":"2026-07-28T22:18:22.255959+00:00","page_url":"https://stenobird.com/podcast/your-money-your-wealth-833911"},"episode":{"title":"Roth Conversions vs. RMDs: Which Tax Bill Hurts More? - 587","slug":"roth-conversions-vs-rmds-which-tax-bill-hurts-more-587","published_at":"2026-06-23T11:00:00+00:00","page_url":"https://stenobird.com/podcast/your-money-your-wealth-833911/roth-conversions-vs-rmds-which-tax-bill-hurts-more-587","show_page_url":"https://stenobird.com/podcast/your-money-your-wealth-833911","url":"https://purefinancial.com/ymyw/podcasts/roth-conversions-vs-rmds-which-tax-bill-hurts-more-587/","audio_url":"https://episodes.captivate.fm/episode/0c48190a-7654-49dd-ae9c-6290ad225ad8.mp3","summary":"Financial Assessment (Meet with an experienced professional): https://bit.ly/YMYWassessC 11 rapid-fire spitballs today from Joe Anderson, CFP®, and Big Al Clopine, CPA, on Your Money, Your Wealth® podcast number 587, on everything from Roth conversions and RMDs to whether a guy named Wayne can finally treat himself to a seventy-five-thousand-dollar Audi. Aaron in Syracuse just hit a million bucks in his 401(k) and realizes he needs a spitball on keeping his RMDs low. Do new Roth conversions restart the 5-year clock? 72-year-old Mike in Texas wants to know. Marion inherited a not-yet-five-year-old Roth, and an IRMAA problem along with it. Lu and Stephen each argue that the fellas’ conversion and retirement spitball math might be misleading. Teachers Tony and his wife have pensions that cover everything, so should they even keep saving? John and Peggy need a retirement spitball, Rajesh wonders if he should pay off his mortgage or convert to Roth, and Mike in San Marcos asks about funding a Roth with pension money. Free Financial Resources in This Episode: https://bit.ly/ymyw-587 (full show notes & episode transcript) Retirement Accounts Guide - free download: https://purefinancial.com/white-papers/retirement-accounts-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-retirement-accounts-guide&utm_content=ymyw-pod-ep587-description-whitepaper 401(k) vs. IRA vs. Equity Compensation: The Real Math - YMYW TV: https://purefinancial.com/ymyw/episodes/recipe-for-retirement-retirement-plans-explained/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep587-description-tv-s10e12 Financial Blueprint (free, self-guided): https://purefinancial.com/financialblueprint/?utm_source=captivate&utm_medium=p…","meta_description":"Financial Assessment (Meet with an experienced professional): https://bit.ly/YMYWassessC 11 rapid-fire spitballs today from Joe Anderson, CFP®, and Big Al…","key_points":[],"chapters":[],"topics":[],"duration_seconds":2655,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/your-money-your-wealth-833911/episodes/roth-conversions-vs-rmds-which-tax-bill-hurts-more-587/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/your-money-your-wealth-833911/roth-conversions-vs-rmds-which-tax-bill-hurts-more-587.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}