Your Money, Your Wealth

Your Money, Your Wealth

Medicare, Social Security, and FIRE Early Retirement - 348

How to calculate modified adjusted gross income (MAGI) for Medicare IRMAA, Social Security...

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What's the Right Mix of Stocks and Bonds for Your Investment Portfolio? - 347

Asset allocation is the delicate balance of stocks, bonds, and other assets in an investment...

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Buying and Selling Your House or Real Estate - 346

How do you estimate net investment income tax when selling your primary residence? Is the...

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Working or Retiring Abroad and Early Retirement Spitball - 345

Retiring overseas and foreign earned income exclusion eligibility, using your tax refund for a...

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It Could Be Over for the Mega Backdoor Roth IRA - 344

Joe & Big Al outline the House Ways and Means Committee's sweeping tax proposal that would...

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HELOC, All-in-One Mortgages, and What to Do With Old Life Insurance Policies - 343

What is a home equity line of credit? Is a HELOC better than a traditional mortgage? What are...

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Roth 401(k), Conversions, RMDs, and Cap Gains - 342

How to calculate Roth conversions to reduce taxes at required minimum distribution age? What are...

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Early Retirement Spitball Analysis - 341

Some YMYW listeners have had enough of the 9 to 5 and are ready to punch early. Joe & Big Al...

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Where to Locate Assets for Tax Efficiency Without Compromising Growth? - 340

Asset location: how to position assets to pay less tax without sacrificing investment growth?...

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Should We Do a Roth Conversion? - 339

Moving money from tax-deferred retirement accounts to accounts with lifetime tax-free investment...

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What to Do When You Own Too Much of One Stock - 338

Ways to diversify concentrated stock positions, like using a donor-advised fund. How does the IRS...

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Is It Crazy to Be Happy Paying Tax on Massive Stock Market Gains? - 337

Is it better to pay tax on $5 million than on $1M? Also, an asset location strategy to lower RMDs...

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How to Spitball Your Most Tax-Efficient Retirement Withdrawal Strategy - 336

Spitballing tax-efficient retirement withdrawals, savings, Social Security, and required minimum...

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Which States Are the Most Tax-Friendly in Retirement? - 335

Which states are best for retirement taxes? When moving to a state with a lower cost of living,...

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Are We On Track for Retirement? Financial Plan Spitball Analysis - 334

Spitballing retirement readiness for Sean and for Little Al who has UK retirement funds and is...

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Are Financial Advisors Really Worth the Money? - 333

Do you need a CERTIFIED FINANCIAL PLANNER™ professional? Is a financial advisor worth...

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Roth Conversions, Medicare, and Required Minimum Distributions - 332

Do Roth IRA conversions increase Medicare premiums? How can you convert to Roth and stay below...

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What is the Best Age to Retire, Financially Speaking? - 331

Financially, what's the ideal retirement age? Are Roth conversions to the 37% tax bracket a good...

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Has the Government Ever Reduced Social Security Benefits? - 330

Have Social Security payments ever been cut for those already receiving them? Plus, survivor...

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How to Protect Investments Against a Stock Market Crash? - 329

Strategies to protect your portfolio from a stock market crash: put options, collars,...

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