<description>&lt;p class="p1"&gt;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.&lt;/p&gt; &lt;p class="p1"&gt;Access all the following free financial resources and the episode transcript: &lt;a href="https://bit.ly/ymyw-508" target= "_blank" rel= "noopener"&gt;&lt;strong&gt;https://bit.ly/ymyw-508&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt; &lt;p class="p3"&gt;&lt;span class="s1"&gt;&lt;strong&gt;DOWNLOAD the &lt;/strong&gt;&lt;a href= "https://purefinancial.com/white-papers/retirement-income-strategies/?utm_source=LibsynDestinations&amp;utm_medium=EpDescription&amp;utm_campaign=YMYW-508"&gt;&lt;strong&gt;Retirement Income Strategies Guide&lt;/strong&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt; &lt;p class="p3"&gt;&lt;span class="s1"&gt;&lt;strong&gt;DOWNLOAD the&lt;/strong&gt; &lt;a href= "https://purefinancial.com/white-papers/social-security-handbook/?utm_source=LibsynDestinations&amp;utm_medium=EpDescription&amp;utm_campaign=YMYW-508"&gt; &lt;strong&gt;Social Security Handbook&lt;/strong&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt; &lt;p class="p3"&gt;&lt;span class="s1"&gt;&lt;strong&gt;DOWNLOAD the&lt;/strong&gt; &lt;a href= "https://purefinancial.com/white-papers/retirement-readiness-guide/?utm_source=LibsynDestinations&amp;utm_medium=EpDescription&amp;utm_campaign=YMYW-508"&gt; &lt;strong&gt;Retirement Readiness Guide&lt;/strong&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt; &lt;p class="p3"&gt;&lt;span class="s1"&gt;&lt;strong&gt;WATCH&lt;/strong&gt; &lt;a href= "https://purefinancial.com/ymyw/episodes/retirement-sabotage-12-post-retirement-money-mistakes-to-avoid/?utm_source=LibsynDestinations&amp;utm_medium=EpDescription&amp;utm_campaign=YMYW-508"&gt; &lt;strong&gt;Retirement Sabotage!&lt;/strong&gt;&lt;/a&gt; &lt;strong&gt;on YMYW TV&lt;/strong&gt;&lt;/span&gt;&lt;/p&gt; &lt;p class="p3"&gt;&lt;span class="s1"&gt;&lt;strong&gt;REQUEST: Ask Joe &amp; Big Al for your&lt;/strong&gt; &lt;a href= "https://purefinancial.com/ymyw/ask-joe-and-al/?utm_source=LibsynDestinations&amp;utm_medium=EpDescription&amp;utm_campaign=YMYW-508"&gt; &lt;span class="s2"&gt;&lt;strong&gt;Retirement Spitball Analysis&lt;/strong&gt;&lt;/span&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt; &lt;p class="p4"&gt;&lt;span class="s3"&gt;&lt;strong&gt;SCHEDULE:&lt;/strong&gt; &lt;a href= "https://purefinancial.com/lp/free-assessment/?utm_source=LibsynDestinations&amp;utm_medium=EpDescription&amp;utm_campaign=YMYW-508"&gt; &lt;span class="s2"&gt;&lt;strong&gt;free financial assessment&lt;/strong&gt;&lt;/span&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt; &lt;p class="p4"&gt;&lt;span class="s3"&gt;&lt;strong&gt;SUBSCRIBE:&lt;/strong&gt; &lt;a href= "https://www.youtube.com/playlist?list=PLaYddQ5LA8egnNwVr1qIkg8DDOeIbrCkI"&gt; &lt;span class="s2"&gt;&lt;strong&gt;YMYW on YouTube&lt;/strong&gt;&lt;/span&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt; &lt;p class="p4"&gt;&lt;span class="s3"&gt;&lt;strong&gt;DOWNLOAD:&lt;/strong&gt; &lt;a href= "https://purefinancial.com/white-papers/?utm_source=LibsynDestinations&amp;utm_medium=EpDescription&amp;utm_campaign=YMYW-508"&gt; &lt;span class="s2"&gt;&lt;strong&gt;more free guides&lt;/strong&gt;&lt;/span&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt; &lt;p class="p4"&gt;&lt;span class="s3"&gt;&lt;strong&gt;READ:&lt;/strong&gt; &lt;a href= "https://purefinancial.com/learning-center/blog/?utm_source=LibsynDestinations&amp;utm_medium=EpDescription&amp;utm_campaign=YMYW-508"&gt; &lt;span class="s2"&gt;&lt;strong&gt;financial blogs&lt;/strong&gt;&lt;/span&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt; &lt;p class="p4"&gt;&lt;span class="s3"&gt;&lt;strong&gt;WATCH:&lt;/strong&gt; &lt;a href= "https://purefinancial.com/ask-pure/?utm_source=LibsynDestinations&amp;utm_medium=EpDescription&amp;utm_campaign=YMYW-508"&gt; &lt;span class="s2"&gt;&lt;strong&gt;educational videos&lt;/strong&gt;&lt;/span&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt; &lt;p class="p4"&gt;&lt;span class="s3"&gt;&lt;strong&gt;SUBSCRIBE:&lt;/strong&gt; &lt;a href= "https://purefinancial.com/lp/newsletter-sign-up/?utm_source=LibsynDestinations&amp;utm_medium=EpDescription&amp;utm_campaign=YMYW-508"&gt; &lt;span class="s2"&gt;&lt;strong&gt;YMYW Newsletter&lt;/strong&gt;&lt;/span&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt; &lt;p class="p1"&gt;&lt;strong&gt;Timestamps:&lt;/strong&gt;&lt;/p&gt; &lt;p class="p1"&gt;00:00 - Intro: This Week on the YMYW Podcast&lt;/p&gt; &lt;p class="p1"&gt;00:58 - Where Should We Add Bonds in Our Investment Portfolio? (John, PA)&lt;/p&gt; &lt;p class="p1"&gt;06:58 - Does Our Retirement Spending Plan Work? What's a Safe Level of Lifestyle Creep? (Tiger &amp; Lioness)&lt;/p&gt; &lt;p class="p1"&gt;13:39 - Download the Retirement Income Strategies Guide for free&lt;/p&gt; &lt;p class="p1"&gt;14:24 - Collecting Social Security vs. Living Off of Pre-Tax Retirement Withdrawals (Charlie, Castlerock, CO)&lt;/p&gt; &lt;p class="p1"&gt;21:52 - Download the Social Security Handbook for free&lt;/p&gt; &lt;p class="p1"&gt;22:27 - Should 27 Year Old Pay Off Student Loan or Save for the Future? (Worrywart Mom, Seattle, WA)&lt;/p&gt; &lt;p class="p1"&gt;27:01 - I Have $11.8M Net Worth and Want to Retire in 2 Years. Can I Pull This Off? (Esther, SF Bay Area)&lt;/p&gt; &lt;p class="p1"&gt;32:41 - Watch Retirement Sabotage: 12 Post-Retirement Money Mistakes to Avoid on YMYW TV, download the Retirement Readiness Guide for free&lt;/p&gt; &lt;p class="p1"&gt;33:40 - We Have $4M + Annuities and Want $180K/Year in Retirement. What Do You Think? (James, Tierrasanta, CA)&lt;/p&gt; &lt;p class="p1"&gt;39:42 - Outro: Next Week on the YMYW Podcast&lt;/p&gt;</description>

Your Money, Your Wealth

Joe Anderson, CFP® & Alan Clopine, CPA of Pure Financial Advisors

Bonds and Annuities, Social Security and Retirement Spending - 508

DEC 17, 202441 MIN
Your Money, Your Wealth

Bonds and Annuities, Social Security and Retirement Spending - 508

DEC 17, 202441 MIN

Description

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

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

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