Erik in MN is divorced, and the OC Birdman of South OC is getting divorced. Should Erik contribute to pre-tax retirement accounts or Roth? How should the Birdman and his soon-be-ex time the sale of their house and the filing of their taxes? That’s today on Your Money, Your Wealth® podcast 469 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Don has questions about the 401(k) rule of 55 and excess 529 plan college savings. Valerie in Portland wants to know what to do with her old 401(k), and how to invest her new retirement accounts. An advisor tells K-Dog in IN to save cash or open a Roth, then live on those funds and get free ACA "Obamacare" healthcare in early retirement. Is that really possible? Also, what should be Laura in WA’s sequence of retirement withdrawals, and is there any benefit to her doing Roth conversions? Should RJ in CA convert his or his wife’s rollover IRA to the top of the giant 24% tax bracket? Access this week's free financial resources and the episode transcript in the podcast show notes, and Ask Joe & Big Al On Air for your Retirement Spitball Analysis, at https://bit.ly/ymyw-469
Timestamps:
Tax Loss Harvesting, Tax Gain Harvesting, Financial Advisor Value - 479
How to Manage Taxes When You Win the Lottery - 478
What’s the Break-Even Point on Roth Conversions? - 477
Which Mortgage for Early Retirement? What is Private Credit? - 476
Is Your Retirement Withdrawal Rate Too High? - 475
How to Take the Uncertainty of Taxes Off the Table - 474
Does Your Financial Advisor Just Want to Collect Fees? - 473
Will Roth Conversions Put You On Track to Retire Early? - 472
How Much Should You Convert to Roth IRA? - 471
Spitballing Retirement for Fat Wallets - 470
How Much to Save in Tax-Free, Tax-Deferred, and Taxable Accounts? - 468
What Does Retirement Look Like for You? - 467
Roth Conversions to Pay Less Tax on Retirement Withdrawals - 466
Personal Finance 101: How to Teach Teens About Money - 465
Tax Strategies, Backdoor Roth, Buy vs. Rent - 464
Retirement Investing, Roth Conversion Pros & Cons: YMYW Best of 2023 - 463
Can You Retire Early at Age 50 or 60? - 462
Roth & Retirement Spitball, Insurance, and the Origins of YMYW - 461
How to Invest: Bonds, CDs, and Roth Conversions - 460
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