{"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":"Safe Withdrawal Rate Debate: How Much Can You REALLY Spend in Early Retirement? - 582","slug":"safe-withdrawal-rate-debate-how-much-can-you-really-spend-in-early-retirement-582","published_at":"2026-05-19T11:00:00+00:00","page_url":"https://stenobird.com/podcast/your-money-your-wealth-833911/safe-withdrawal-rate-debate-how-much-can-you-really-spend-in-early-retirement-582","show_page_url":"https://stenobird.com/podcast/your-money-your-wealth-833911","url":"https://purefinancial.com/ymyw/podcasts/safe-withdrawal-rate-debate-how-much-can-you-really-spend-early-retirement-582/","audio_url":"https://episodes.captivate.fm/episode/5e2dbfc7-8491-4409-adce-1c1b6242e820.mp3","summary":"Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC Today on Your Money, Your Wealth® podcast number 582, Joe Anderson, CFP® and Big Al Clopine, CPA address something a not-insignificant portion of this audience has been complaining about for years: their so-called 'absurdly conservative' safe withdrawal rates for early retirement. Rand and Elayne from Ohio are here to gripe about it directly with a thought experiment: a million bucks at age 36 and a three-year sabbatical in France. When, if ever, would Joe and Big Al say they should cut it short and go back to work if the markets turned ugly? Mike2me17 piles on, with his own SWR take about AUM fees in his Apple Podcasts review. But first, a real world example: Ron and Harry from Florida are elite performers with a high-risk specialty job. Can they safely pull off moving to Portugal and living on $38,000 a year in their early 40s? If you’re one of the people yelling at your podcast app every time Joe or Al mentions a 2% withdrawal rate, today's your day, and we welcome you to leave more of your thoughts on the topic in Apple Podcasts, YouTube, on Reddit, in our inboxes - like everyone else has. Free Financial Resources in This Episode: https://bit.ly/ymyw-582 (full show notes & episode transcript) Withdrawal Strategy Guide - YMYW TV: https://purefinancial.com/white-papers/withdrawal-strategy-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-withdrawal-strategy-guide&utm_content=ymyw-pod-ep582-description-whitepaper Financial Blueprint (free, self-guided): https://purefinancial.com/financialblueprint/?utm_source=captivate&utm_medium=podcast&utm_campaign=financial-blueprint&utm_content=ymyw-pod-ep582-description-blueprint Retir…","meta_description":"Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC Today on Your Money, Your Wealth® podcast number 582, Jo…","key_points":[],"chapters":[],"topics":[],"duration_seconds":2604,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/your-money-your-wealth-833911/episodes/safe-withdrawal-rate-debate-how-much-can-you-really-spend-in-early-retirement-582/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/safe-withdrawal-rate-debate-how-much-can-you-really-spend-in-early-retirement-582.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}