John in Boston is in the 32% tax bracket. Should he do Roth conversions? Flight Deck Dad and Irish Girl in Pensacola have a lot of tax-free pension income. Should they do Roth conversions? Bert and Ernie in New Jersey wonder if they should convert to Roth or take advantage of zero percent capital gains tax rates. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for all of them today on Your Money, Your Wealth® podcast number 529. Plus, Michael and his wife in Bellevue are 34, in the 24% tax bracket and wonder if they should contribute to tax-free or tax-deferred accounts, and if they should slow down on retirement savings and start a bridging account for the years between when they want to punch the clock in their early to mid-50s, and when they can access their retirement savings. Then, for something completely different, Frenchie from Maine writes back in: What are the disadvantages to paying off her mortgage ASAP, and what’s the tax efficiency of a money market compared to bond funds?

Free financial resources & episode transcript: https://bit.ly/ymyw-529

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Timestamps:

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

01:00 - We’re in the 32% Tax Bracket. Should We Do Roth Conversions? (John, Boston, MA)

06:19 - We Have Large Tax-Free Pension Income. Should We Do Roth Conversions? (Flight Deck Dad & Irish Girl, Pensacola, FL)

16:03 - Watch How to Break Through Retirement Barriers on YMYW TV, Calculate your free Financial Blueprint

16:52 - Should We Do Roth Conversions or Take Advantage of 0% Capital Gains Tax? (Bert & Ernie, NJ)

25:53 - In the 24% Bracket. Should We Contribute to Tax-Free or Tax Deferred Accounts? (Michael, Bellevue, WA)

29:49 - Schedule a Free Financial Assessment at any of Pure Financial Advisors' 12 nationwide locations or online

31:04 - Disadvantages to Paying Off the Mortgage ASAP? Tax Efficiency of Money Market vs. Bond Funds? (Frenchie, ME)

36:23 - Outro: Next Week on the YMYW Podcast

You’ve been jamming money into your retirement accounts for years now. When is it okay to slow down? Joe Anderson, CFP®® and Big Al Clopine, CPA spitball for Ron and Veronica in Indiana today on Your Money, Your Wealth® podcast 528. Plus, how can Scott in Illinois bridge the gap from age 55 to retirement income at 57? How should Big Juan in Texas pay for college? Should he convert his TSP to Roth? Can he retire at 55 And finally, Frank and Jane Drebin in Wisconsin are 46 and 47 and wondering if their plan for retirement in 5 years is just a pipe dream.

Free financial resources & episode transcript: https://bit.ly/ymyw-528

DOWNLOAD The Retirement Readiness Guide for free

WATCH What Happens to Your 401(k) & IRA at Retirement? On YMYW TV

CALCULATE your free Financial Blueprint

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

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Timestamps:

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

01:13 - Can I Take My Foot Off the Gas on Saving for Retirement? (Ron and Veronica, IN)

09:48 - Watch What Happens to Your 401(k) & IRA at Retirement? On YMYW TV and Download The Retirement Readiness Guide

10:43 - How to Bridge the Gap from Age 55 to Retirement Income at 57? (Scott, IL)

20:04 - How to Fund College? TSP to Roth Conversions? Retirement at 55? (Big Juan, TX)

24:45 - Calculate Your Free Financial Blueprint

25:45 - We're 46 and 47, Is Our Retirement Plan a Pipe Dream? (Frank and Jane Drebin, WI)

32:26 - Next Week on the YMYW Podcast

What are the pros and cons if Chip uses the money in his taxable brokerage account for early retirement income? Jack and Sally ask Joe and Big Al to spitball on whether they can retire around age 55 or 60, and whether they should max out their Roth or convert to Roth, today on Your Money, Your Wealth® podcast 527 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Plus, April and Andy ask the fellas to spitball on their dividend investing strategy, and Don wonders if a separately managed account (SMA) makes sense for his taxable account. (We’ll also find out what an SMA is.)

Free financial resources & episode transcript: https://bit.ly/ymyw-527

CALCULATE your free Financial Blueprint

DOWNLOAD The Withdrawal Strategy Guide for free

DOWNLOAD 10 Steps to Improve Investing Success for free

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

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Timestamps:

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

00:52 - Pros and Cons of Using a Taxable Brokerage Account for Early Retirement Income? (Chip Skylark, Dimsdale)

13:24 - Watch Your 11-Step Path to Financial Freedom on YMYW TV, Calculate Your Free Financial Blueprint

14:27 - Is My Dividend Investing Strategy Missing Anything? (Andy & April, Knoxville, TN)

25:02 - Can I Retire Between Ages 55-60? Should I Max Out Roth Contributions, or Convert to Roth? (Jack & Sally, NC)

31:18 - Download the Withdrawal Strategy Guide and 10 Steps to Improve Investing Success for Free

32:03 - Does a Separately Managed Account (SMA) Make Sense for My Taxable Account? (Don, IA)

40:46 - Next Week on the YMYW Podcast