Your Money, Your Wealth

What is the risk with BDCs, or business development company funds? Edward in Illinois wants to know. Do Pebbles and Bam Bam in Kentuckystone have too much invested in T-bills? Are mutual funds or ETFs a better place for them to invest qualified money in the decumulation phase? Is there a difference between a traditional IRA and a rollover IRA? And Keith in Connecticut is 34 and wants a spitball on whether his investments are appropriate for his time horizon, today on Your Money, Your Wealth® podcast number 512 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Gus in Philly needs a withdrawal strategy for his dad's multi-year guaranteed annuities (MYGAs). Speaking of MYGAs, YouTube viewer Ken thinks everyone should invest in MYGAs and bonds, and nobody should ever pay a financial advisor. What do Joe and Big Al think? And finally, comments on your state of residence for tax purposes from Greg, the prorated sale of a primary residence, and bonds vs. pension from Keith, and 7SideWays tells the fellas to focus on PERMA already - but what is it?

Access free financial resources and the episode transcript: https://bit.ly/ymyw-512

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Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

01:09 - What's the Risk with Business Company Development (BDC) Funds? (Edward, IL)

04:04 - T-Bills, Decumulation, IRAs, and Investing Strategies (Pebbles & Bam Bam, Kentuckystone)

11:21 - LIMITED TIME OFFER: Download the DIY Retirement Guide by Friday, Jan 17, 2025!

12:24 - I'm 34. Are My Investments Appropriate for My Time Horizon? (Keith, CT)

18:22 - Multi-Year Guaranteed Annuity (MYGA) Retirement Withdrawal Strategy for Dad (Gus in Philly)

22:34 - Just Buy MYGAs and Bonds and Don't Pay an Advisor (comment from Ken, YouTube)

27:36 - Schedule a Free Financial Assessment with Pure Financial Advisors, Learn More about Pure's Fees and Services

28:47 - State Taxes vs. State of Residency (comment from Greg, Temecula)

30:17 - Favor Questions from People with Less than $6M Please (comment from Ed, YouTube)

31:08 - Prorated Sale of Primary Residence (comment from Keith, YouTube)

33:01 - $1M Bonds vs. $40K/yr Pension (comment from Keith, YouTube)

34:54 - Focus on PERMA Already (comment from 7SideWays, YouTube)

36:11 - YMYW Podcast Outro

YMYW friends, welcome to 2025. Today on Your Money, Your Wealth® podcast number 511, we're revisiting your favorite topics of 2024 as Joe Anderson, CFP® and Big Al Clopine, CPA spitball on strategies for building up tax-free retirement income in Roth accounts, determining your appropriate mix of taxable, tax-deferred, and tax-free savings (also known as tax diversification), and whether YMYW viewers and listeners can retire as soon as possible.

Access free financial resources and the episode transcript: https://bit.ly/ymyw-511

DOWNLOAD the 2024 Key Financial Data Guide for free

CALCULATE your Free Financial Blueprint

SCHEDULE your Free Financial Assessment

ASK Joe & Big Al for your Retirement Spitball Analysis

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DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

LISTEN to the Best of the YMYW Podcast 2021, 2022, 2023

LISTEN to the Top Funniest Moments from the YMYW Podcast Vol. 1, Vol. 2

Timestamps:

• 00:00 - Intro: This Week on the YMYW Podcast
• 00:59 - Can We Afford to Spend $120k/Year Inflation Adjusted in Retirement? (Joe & Angelina Jolie, Strawberry Plains, TN)
  • From ep. 503: YMYW Most Plays in 2024 on Apple Podcasts, YMYW Most Streamed in 2024 on Spotify
  
  
• 08:14 - Can I Contribute to My Wife's Roth IRA? Can I Max Out Multiple Roth Accounts? Should We Do Roth Conversions? (Theodore & Louise, Seattle, WA)
  • From ep. 504: YMYW Most Consumed in 2024 on Apple Podcasts, YMYW Most New Subscribers in 2024 on YouTube
  
  
• 15:21 - Download the 2024 Key Financial Data Guide for free. Subscribe to the YMYW podcast, the YouTube channel, and the YMYW newsletter, and get the 2025 guide as soon as it's released!
• 16:46 - We Want to Retire As Soon as Humanly Possible. Brokerage vs. Solo 401(k) for Surplus Funds? (Ricochet J, CO)
  • From ep. 505: YMYW Most Engaged Listeners in 2024 on Apple Podcasts, YMYW Most Listeners in 2024 on Spotify
  
  
• 31:05 - How Much Money Do We Need to Retire ASAP? (Barney and Betty, NE New Jersey)
  • From ep. 493: YMYW Most Engaged Listeners in 2024 on Amazon Music
  
  
• 44:20 - Calculate your Financial Blueprint, Schedule a Financial Assessment
• 45:39 - Ed Slott: How Much Money Can You Save in Taxes With Good Tax Planning? What About People Who Don't Have the Money to Pay the Tax on a Roth Conversion?
  • From ep. 489: YMYW Most Views & Watch Time in 2024 on YouTube
  
  
• 51:51 - Tax Diversification General Guidelines? (Brian, Naperville, IL)
  • From ep. 468: YMYW Most Downloaded Across All Podcast Platforms in 2024
  
  
• 57:33 - Andi's Favorite Derail of 2024: Clark & Ellen Griswold, Tuktoyaktuk reading Derail from ep. 498
• 1:01:07 - Outro: 2024 YMYW Podcast Stats

Does it make sense for Alex and his wife in Massachusetts to do Roth conversions now to the top of their eventual tax bracket? Steve in San Diego got serious about saving for retirement after Joe and Big Al gave him some tough love 5 years ago. Is he good to retire now, and should he convert to Roth? That's today on Your Money, Your Wealth® podcast number 510 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, can Barbara in New Jersey's grandson move excess 529 funds to a Roth and withdraw the money after 5 years? PWare has a cunning plan to gift appreciated stock to avoid capital gains tax, but will it work? Should Mike create a limited liability company for his rental properties? And finally, qualified charitable distributions don't make sense to GetSmart Paul. Sherri in California wonders if her kids can inherit her savings account without any tax penalty, and whether there's a safe, high-yielding investment she should put it in. And Houry in New York wonders if her IRA can fund a charitable remainder unitrust, or CRUT.

Access free financial resources and the episode transcript: https://bit.ly/ymyw-510

DOWNLOAD The Complete Roth Papers Package

DOWNLOAD The Retirement Readiness Guide

WATCH Retirement Pop Quiz: 18 Questions to Get You Ready to Retire on YMYW TV

LISTEN to Steve in San Diego's 2019 question

Al: "Maybe you gotta live in a trailer somewhere." Joe: "that side hustle, you better be able to do that in a wheelchair."

LISTEN to YMYW Podcast Best of 2021, 2022, and 2023

REQUEST: Ask Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE: free financial assessment

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DOWNLOAD: more free guides

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Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

01:08 - Should We Do Roth Conversions to Our Eventual Tax Bracket? (Alex, MA)

07:51 - YMYW Tough Love Made Me Get Serious. When Can I Retire? Should I Do Roth Conversions? (Steve, San Diego, CA)

14:11 - Download the Complete Roth Papers Package for free

14:59 - Can Grandson Withdraw 529 Funds From Roth After 5 Years? (Barbara, NJ)

18:37 - Can We Avoid Capital Gains Tax With This Appreciated Stock Gifting Strategy? (P Ware)

20:57 - Should I Create an LLC for Rental Properties? (Mike, voice)

23:00 - Qualified Charitable Distributions Don't Make Sense to Me (GetSmart Paul, YouTube)

24:59 - Watch the Retirement Pop Quiz on YMYW TV, Download the Retirement Readiness Guide for free

25:45 - Do My Kids Inherit My Savings Account Without Tax Penalty? What's a Safe, High-Return Investment for Them? (Sherri, CA)

27:18 - Can an IRA Fund a Charitable Remainder Unitrust? (Houry, NY)

31:43 - Outro: Next Week on the YMYW Podcast

When should Richie and Heather and Rebecca and Sam collect their Social Security benefits? Why is Dan's benefit so much higher than his wife's? PWare has a Roth conversion case for claiming Social Security AFTER age 70, and Jerry wonders how Donald Trump's plan to stop taxing Social Security could impact claiming strategies. Plus, Joe rants about Rebecca and Sam's $1 million single premium deferred indexed annuity, and the fellas also spitball on their Roth conversion and retirement strategy and how much is too much when it comes to paying advisor fees. Access free financial resources and the episode transcript: https://bit.ly/ymyw-509

DOWNLOAD the Social Security Handbook

CALCULATE your free Financial Blueprint online

SCHEDULE your free Financial Assessment with an experienced professional

Ask Joe & Big Al for your Retirement Spitball Analysis

SUBSCRIBE: YMYW on YouTube

DOWNLOAD: more free guides

READ: financial blogs

WATCH: educational videos

SUBSCRIBE: YMYW Newsletter

Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

01:00 - When Should We Take Social Security? Should We Convert Our IRAs to Roth? (Richie & Heather, ID - voice)

09:04 - Download the Social Security Handbook

10:01 - What Should I Do With a $1M Single Premium Deferred Indexed Annuity? When Should We Take Social Security? Is 2% Advisor Fee Excessive? (Rebecca and Sam, VA)

28:03 - Calculate your Financial Blueprint online, Schedule an Assessment with a financial professional

29:25 - Why Is My Spouse's Social Security Benefit So Much Lower Than Mine? (Dan)

30:51 - The Roth Conversion Case for Drawing Social Security After Age 70 (P Ware, YouTube)

36:55 - Would Tax-Free Social Security Income Impact Claiming Strategies? (Jerry, Phoenix, AZ)

42:08 - Outro: Next Week on the YMYW Podcast

John in Pennsylvania doesn't have bonds in his investment portfolio. Should he add them, and if so, where? That's today on Your Money, Your Wealth® podcast number 508 with Joe Anderson, CFP® and Big Al Clopine, CPA. The fellas also spitball on retirement plans for James in Tierrasanta, California, who has $4 million plus annuities, Esther in the San Francisco Bay Area, who has nearly $12M net worth, and Tiger and Lioness, who wonder about a safe level of lifestyle creep. Also, Charlie in Castlerock, Colorado has an "exciting" new question on how to balance collecting Social Security with making withdrawals from his pre-tax retirement account for living expenses. And a Worrywart Mom in Seattle asks whether her 27-year-old daughter should focus on paying off her student loans or saving for the future.

Access all the following free financial resources and the episode transcript: https://bit.ly/ymyw-508

DOWNLOAD the Retirement Income Strategies Guide

DOWNLOAD the Social Security Handbook

DOWNLOAD the Retirement Readiness Guide

WATCH Retirement Sabotage! on YMYW TV

REQUEST: Ask Joe & Big Al for your Retirement Spitball Analysis

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SUBSCRIBE: YMYW Newsletter

Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

00:58 - Where Should We Add Bonds in Our Investment Portfolio? (John, PA)

06:58 - Does Our Retirement Spending Plan Work? What's a Safe Level of Lifestyle Creep? (Tiger & Lioness)

13:39 - Download the Retirement Income Strategies Guide for free

14:24 - Collecting Social Security vs. Living Off of Pre-Tax Retirement Withdrawals (Charlie, Castlerock, CO)

21:52 - Download the Social Security Handbook for free

22:27 - Should 27 Year Old Pay Off Student Loan or Save for the Future? (Worrywart Mom, Seattle, WA)

27:01 - I Have $11.8M Net Worth and Want to Retire in 2 Years. Can I Pull This Off? (Esther, SF Bay Area)

32:41 - Watch Retirement Sabotage: 12 Post-Retirement Money Mistakes to Avoid on YMYW TV, download the Retirement Readiness Guide for free

33:40 - We Have $4M + Annuities and Want $180K/Year in Retirement. What Do You Think? (James, Tierrasanta, CA)

39:42 - Outro: Next Week on the YMYW Podcast

Joe Anderson, CFP® and Big Al Clopine, CPA spitball on paying the tax on your Roth conversions on Your Money, Your Wealth® podcast number 507. If you take the money out of your retirement account, what does Joe mean that you'll be "paying the tax to pay the tax to pay the tax"? Can you pay it from the Roth account itself, or from your monthly pension tax withholding? Are the fellas wrong on this whole topic altogether? They also spitball on withdrawing Roth 401(k) contributions that were rolled to an IRA, those infamous 5-year rules for withdrawals from Roth accounts, when to do Roth conversions, saving to tax-deferred, taxable, or tax-free accounts, and how long-term capital gains taxes fit into the picture. Plus, consolidating individual stock investments and the fate of the home office deduction, and what Joe thinks about the Apple Podcasts reviewer that says he's checked out.

Access all the free financial resources and the episode transcript: https://bit.ly/ymyw-507

DOWNLOAD The 5 Year Rules for Roth IRA Withdrawals

DOWNLOAD The Withdrawal Strategy Guide

WATCH How to Break Through Retirement Barriers on YMYW TV

CALCULATE your free Financial Blueprint

REQUEST: Ask Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE: free financial assessment

SUBSCRIBE: YMYW on YouTube

DOWNLOAD: more free guides

READ: financial blogs

WATCH: educational videos

SUBSCRIBE: YMYW Newsletter

Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

01:06 - Can I Withdraw Roth 401(k) Contributions That Were Rolled to IRA? (Peter LemonJello, FL)

05:32 - Paying the Tax to Pay the Tax" on Roth Conversions Clarified (David)

09:13 - Should We Save to Tax-Deferred Accounts, Backdoor Roth, or Brokerage? (David & Victoria, Cincinnati, OH)

15:23 - Watch How to Break Through Retirement Barriers on YMYW TV, Calculate Your Free Financial Blueprint

16:17 - Should I Do Roth Conversions at Age 66 If I Want to Retire at 70? (Mike, PA)

17:49 - You're Wrong About Roth Conversion Tax Payments (Robert, YouTube)

20:20 - Can I Pay Roth Conversion Tax From Monthly Pension Withholding? (Big Toe Knee, YouTube)

20:45 - Should I Consolidate Individual Stocks Into ETFs? (Lu, YouTube)

22:44 - Do I Understand the 5-Year Rules for Roth Withdrawals? (NR, YouTube)

25:51 - Download the 5-Year Rules for Roth IRA Withdrawals and the Withdrawal Strategy Guide

26:39 - Was the Home Office Deduction Eliminated Under the Tax Cuts and Jobs Act? (George, YouTube)

27:30 - Contributing to Roth vs. Pre-Tax: Would It Count as Long-Term Capital Gains? (Moriel, YouTube)

30:16 - Is it a Good Idea to Pay Roth Conversion Tax Out of the Roth? (Michelle, Facebook)

31:35 - Joe is Completely Checked Out (Anonymous Apple Podcasts Review)

33:19 - Outro: Next Week on the YMYW Podcast

What's a safe withdrawal rate for Wine Guy and Wine Gal in Sonoma California to have 35 years of "guaranteed" retirement spending? How aggressively should they convert their retirement savings to Roth IRA? Should the Bond family move from Silicon Valley to a no-income-tax state in retirement? Can Doc in San Francisco quit work in 8 years when his daughter starts college? Rob in Kansas City and his wife are in their late 30s and have 2 million saved. Can they retire early? Plus, Elisa in Fremont has more than the capital gains exclusion for a married couple of $500,000 worth of home equity. How much will this cost her, and will it kill her IRMAA for Medicare premiums? Should Happy Camper and Jolly Pumpkin take their pension's monthly annuity or the lump sum payout? And finally, Lloyd in South Dakota isn't a fan of retirement accounts and wants Joe and Big Al to talk some sense into him. Access all the free financial resources and the episode transcript: https://bit.ly/ymyw-506

CALCULATE your Financial Blueprint

SCHEDULE your Financial Assessment

WATCH Financial Planning at Every Age on YMYW TV

DOWNLOAD The Retirement Readiness Guide for free

READ THE BLOG: It's Not Too Late! Year-End Financial Moves to Make Right Now

READ THE BLOG: US National Debt and the Impact on Long-Term Investing

REQUEST: Ask Joe & Big Al for your Retirement Spitball Analysis

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Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

01:05 - What's Our Guaranteed Safe Withdrawal Rate for 35 Years of Retirement? How Aggressive Should We Convert to Roth? (Wine Guy/Gal, Sonoma, CA)

12:09 - Calculate your Financial Blueprint, schedule a Free Financial Assessment

13:45 - Should We Move to a No Income Tax State in Retirement? (James Bond, Silicon Valley, CA - voice)

20:50 - Can I Stop Working in 8 Years When Daughter Starts College? (Doc, San Francisco, CA)

26:10 - Late 30s With $2M. Are We Really on Track for Early Retirement? (Rob, Kansas City)

31:20 - Watch Financial Planning at Every Age on YMYW TV, download the Retirement Readiness Guide

32:25 - Our Home Equity is Over the $500K Exclusion. How Much Will We Be Charged? Will This Kill My IRMAA? (Elisa, Fremont, CA)

35:44 - Should We Take the Monthly Pension or Lump Sum Payout? (Happy Camper & Jolly Pumpkin, WI)

43:03 - I'm Not a Fan of Retirement Accounts. Talk Some Sense Into Me. (Lloyd Christmas, SD)

49:04 - Outro: Read the blogs, It's Not Too Late! Year-End Financial Moves to Make Right Now and US National Debt and the Impact on Long-Term Investing

Ricochet J in Colorado and her husband want to retire as soon as humanly possible. Are they on track? Should they save their surplus funds to a brokerage account or a solo 401(k)? That's today on Your Money, Your Wealth® podcast 505 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Micah in South Dakota wonders whether having a $40,000 a year pension is basically the same as having a million dollars in bonds, according to the four percent rule. What do Joe and Big Al think? Barney and Betty will be in the 12% or 22% marginal tax bracket, but their effective tax rate will only be between 10% and 12.4%, so how much should they convert to Roth? Are they asking the right question? And finally, Joe and Big Al spitball on ways to ensure that Amir in New Mexico has the maximum possible retirement income to last him to age 90 or 95. Access all the free financial resources and the episode transcript: https://bit.ly/ymyw-505

DOWNLOAD The Complete Roth Papers Package for free

WATCH Your 11-Step Path to Financial Freedom on YMYW TV

CALCULATE your free Financial Blueprint

REQUEST: Ask Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE: free financial assessment

SUBSCRIBE: YMYW on YouTube

DOWNLOAD: more free guides

READ: financial blogs

WATCH: educational videos

SUBSCRIBE: YMYW Newsletter

Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

01:04 - Save to Brokerage vs. Solo 401(k) to Retire as Soon as Humanly Possible? (Ricochet J, CO)

15:23 - Watch Your 11 Step Path to Financial Freedom on YMYW TV, Calculate your free Financial Blueprint

16:36 - Is a $40K/yr Pension Similar to $1M in Bonds According to the 4% Rule? (Micah, SD)

18:48 - Marginal vs. Effective Tax Rates: How Much to Convert to Roth? (Barney & Betty)

22:58 - Download the Complete Roth Papers Package

23:48 - How to Have Maximum Possible Retirement Income to Age 90-95? (Amir, NM)

30:13 - Outro - Next Week on the YMYW Podcast

Can Ted and Georgette convert $1.6M in an inherited trust to Roth without distributing it? Should the trust own their home so they can use the home equity? Melissa was added as joint owner on her parents' bank accounts after a medical event, but what have they done? Should Ralph and Alice use the required minimum distribution from their inherited IRA to pay Roth conversion taxes? That's today on Your Money, Your Wealth® podcast 504 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, can Theodore contribute to a his wife Louise's Roth IRA? Can Marc make Roth contributions for his grandkids? Also, Joe and Al come up with a very unique way that John may be able to pay the tax on his Roth conversion using his home equity. Access all the free financial resources and the episode transcript: https://bit.ly/ymyw-504

DOWNLOAD by Friday: Top 10 Tax Tips Guide - limited time special offer!

WATCH 10 Tax-Cutting Moves to Make Now - YMYW TV

DOWNLOAD: Identity Theft Guide

WATCH: How to Protect Yourself from Scams: Cybersecurity webinar on demand

REQUEST: Ask Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE: free financial assessment

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Timestamps:

00:00 - Intro

01:00 - Can We Convert an Inherited Trust to Roth Without Distributing It? Should the Trust Own Our Home? (Ted & Georgette Baxter, Madison, WI)

10:02 - Watch 10 Tax-Cutting Moves to Make Now on YMYW TV, Download the Top 10 Tax Tips Guide before this Friday!

11:08 - I'm Joint Owner of My Parents' Bank Accounts. What Have We Done? (Melissa, Rockport, TX)

16:35 - Can I Contribute to My Wife's Roth IRA? Can I Max Out Multiple Roth Accounts? Should We Do Roth Conversions? (Theodore & Louise, Seattle, WA)

23:43 - Should We Use Inherited IRA RMD to Pay Roth Conversion Tax? (Ralph & Alice Kramden, SC)

27:35 - Can I Fund Roth IRAs for My Grandchildren? (Marc, Encinitas)

28:40 - Watch the Cybersecurity Webinar on demand, Download the Identity Theft Guide

29:32 - Should We Maximize the 24% Tax Bracket With Roth Conversions This Year and Next? (John)

37:55 - Outro: Next Week on the YMYW Podcast

When should Jack and Swan in Florida pay off their home, retire, and convert their savings to Roth for lifetime tax-free investment growth? Jennifer in Colorado wonders whether she should take taxes into account when calculating her expenses, and whether she should pay off her home to be debt-free in retirement? That's today on Your Money, Your Wealth® podcast 503 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, should Kevin in Scottsdale collect Social Security in 2025, or postpone and do Roth conversions over the next two years? Should Skipper in Texas do Roth conversions to the top of the 24% tax bracket instead of the 22? And just how closely will Big Brother watch his state of residency if Skipper buys homes in Florida and another location for his retirement? Harry Tasker in Minnesota's wife Helen says he needs to continue working. Is that a true lie? Harry asks Joe and Big Al to spitball on whether he and Helen can stay home during their go-go years. And can the Tomb Raiders afford to spend $120,000 a year in retirement? Access free financial resources and the episode transcript: https://bit.ly/ymyw-503

WATCH ON YOUTUBE: https://youtu.be/Xfl7gvIs2rU

DOWNLOAD: Social Security Handbook for free

CALCULATE: Your Financial Blueprint for free

WATCH: 6 Secrets to Bigger Tax Savings from Your Nonprofit Donations on YMYW TV

DOWNLOAD: Tax-Smart Charitable Giving Guide for free

REQUEST: Ask Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE: free financial assessment

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READ: financial blogs

WATCH: educational videos

SUBSCRIBE: YMYW Newsletter

Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

01:16 - When to Pay Off the Home, Retire, and Do Roth Conversions? (Jack & Swan, FL - voice)

06:10 - Should We Include Taxes in Annual Expenses? (Jennifer, CO)

09:47 - Draw Social Security in 2025, or Postpone and Convert to Roth in 2025 and 2026? (Kevin, Scottsdale, AZ)

14:57 - Download the Social Security Handbook, Calculate Your Financial Blueprint

16:08 - Should We Pay Off the House to Be Debt Free in Retirement? (Jennifer, CO)

21:08 - State Tax Spitball: Should I Convert Even More to Roth? Does Big Brother Really Count the Days for State Residency? (Skipper, TX)

29:54 - Watch 6 Secrets to Bigger Tax Savings from Your Nonprofit Donations on YMYW TV, Download the Tax-Smart Charitable Giving Guide

30:39 - Can We Both Stay Home in the Go-Go Years? Wife Says I Have to Go Back to Work (Harry & Helen Tasker, MN)

43:40 - Can We Afford to Spend $120k/Year Inflation Adjusted in Retirement? (Tomb Raiders, Strawberry Plains, TN)

51:29 - Outro: Next Week on the YMYW Podcast