Original publish date February 20, 2016 (hour 1). Note that content may be outdated as rules and regulations have changed. In episode 3 of YMYW, Joe tells us about the most significant financial strategies to start implementing now; Surprising things the government wants to tax you on; and the return of "Tax Chat" as Big Al shares a couple of tax tips.

02:40 "You can't control the stock markets, you can't control interest rates, you can't control the price of oil..."

06:00 "You want to make sure you have enough capital in your overall portfolio to maintain that [retirement] lifestyle"

10:25 "We've been doing this radio show for over 10 years, we teach a lot of retirement courses at local universities and community colleges. If you go to our website we have a learning center with over 200 videos. What we try to do is make sure we empower people"

15:39 "Educate yourself to understand how much risk you're taking in the portfolio"

17:10 "Taxes are something that you actually do have some control over, as long as you know how to manipulate and utilize the tax code to your advantage"

31:29 "A lot of you are in the sandwich generation, and what the sandwich generation means is that you have elderly parents that you are caring for and then you still might have kids on the payroll, so money is going every which way except your retirement"

31:50 "One of the biggest financial risks to retirement is your own grown children"