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Personal finance show bringing listeners actionable advice to retire successfully. Hosts Joe Anderson, CFP® and "Big Al" Clopine, CPA break down key strategies on designing your investment portfolio, maximizing Social Security, generating a retirement income distribution plan, avoiding paying unnecessary taxes and so much more. Show notes and transcripts at

Personal finance show bringing listeners actionable advice to retire successfully. Hosts Joe Anderson, CFP® and "Big Al" Clopine, CPA break down key strategies on designing your investment portfolio, maximizing Social Security, generating a retirement income distribution plan, avoiding paying unnecessary taxes and so much more. Show notes and transcripts at
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San Diego, CA


Personal finance show bringing listeners actionable advice to retire successfully. Hosts Joe Anderson, CFP® and "Big Al" Clopine, CPA break down key strategies on designing your investment portfolio, maximizing Social Security, generating a retirement income distribution plan, avoiding paying unnecessary taxes and so much more. Show notes and transcripts at






3131 Camino Del Rio North Centerside #2, Suite 1550 San Diego, CA 92108 1-877-222-6044


250 Creative Ways to Save and Make More Money - 165

Nick Loper of Side Hustle Nation shares just a few of the 250 ways he's found that everyone from millennials to baby boomers can make more money and trim expenses in this new era of creative entrepreneurship and freelance work, from shuttling booze to making some bread teaching people to make bread. Plus, Joe and Big Al do the math for a listener who wants to know if they need to curtail some of their spending as they plan for retirement. Transcript and show notes at


How to Be Financially Alert and on FIRE at Age 36, Even With Market Volatility - 164

Michael from reached Financial Independence / Retire Early, or FIRE, at age 36. He shares his inspiring success story of how being financially alert allowed him to transition from small business entrepreneur to stay-at-home Dad and FIRE blogger with a growing net worth of over $2M - and how he can coach you to FIRE too. Plus, market volatility is back, but Chuck Norris laughs in the face of market dips - and Brian Perry, CFP® has the Q1 market update. It’s tax season...


6 Things to Look For When Buying Investment Property - 163

Joel Larsgaard from the Pour Not Poor podcast talks about drinking beer and simplifying your life to save money that you can put towards buying rental real estate. And, some things to drink about - er, think about - before you commit to that investment property. Plus, the best places to invest in commercial real estate, why early retirement might kill you, and Joe reminisces about his experience at a foam party in Mazatlan. Show notes and transcript at


She Saves $85,000 Annually. Learn Jamila Souffrant's Secrets -162

Jamila Souffrant from explains how she can save $85,000 every year, and how you can save and invest more money too. Plus, Financial Planning Tips for Young Investors and the merits of buying company stock. And interest rates are on the rise - what does that mean for your bond portfolio? Show notes and transcript:


Ditch Your Debt: Join the Student Loan Debt Movement - 161

Robert Farrington from has a goal of helping people eliminate a million bucks in student loan debt in the Month of March. Join the movement, ditch your debt and win prizes! Plus, Americans have reached record-breaking net worth - but which Americans? And, 4 ways you might be attracting a tax audit without knowing it. Show notes and transcript:


10 Commandments of Retirement from The Retirement Manifesto - 160

Fritz Gilbert from shares his 10 Commandments for Retirement - well actually it’s 11, but that extra one is important! Plus, Big Al has 10 ways you can pay less in taxes this year, and in future years. And Trump’s steel and aluminum tariffs have set off more market moves, but could they also jack up the price of a Jack and Coke? Show notes and transcript:


16 Money Tips and Mind Tricks from The Broke Millennial - 159

The Broke Millennial Erin Lowry shares her mind tricks for more effective saving and her clever tips for paying down debt. Plus, working the tax brackets with Roth conversions, some crazy options that may or may not work when you've contributed too much to your 401(k) to get the employer match, and how DIY investing can be like Joe's bad golf swing. Show notes and transcript:


The Seven Secrets for a Happy, Successful Retirement - 158

Best-selling author, retirement expert and fluent backward-speaker Jan Cullinane lets us in on how many of the Seven Secrets for a Happy, Successful Retirement have to do with money - and how many don’t. And you won’t have to understand backward speak to get it! Big Al’s got a whole new mindset for happiness after visiting South America, why it might be a mistake to get married later in life - or at all if you’re Joe - and the fellas discuss a gentleman who finds himself bored after early...


Pay Off Debt, Starve and Stack, Retire Rich & Happy - 157

How to retire rich and happy: the two income starve-and-stack strategy, losing the ego, and the Pay Off Debt by Jackie Beck app. Oh, and Rondo soda pop, and never saying the word "tissue." Joe and Big Al also talk a bit about retirement readiness and taxes before Al heads to Chile leaving poor Jason Thomas to talk ego and self-reflection with Joe. Show notes and transcript:


Don’t Scream “Get Me Out!” How to Stomach Market Dips - 156

What happened to the market correction, what happens next, and how can you avoid hitting your GMO (get me out) point? Larry Swedroe of the BAM Alliance and gazes into his crystal ball. Plus, 5 questions to ask your estate planner after the new tax law, and what happens to your social media estate after you die? Who will manage all those videos of Joe playing golf on Instagram?


These 6 Things Help You Avoid a Miserable Retirement - 155

Avoid a miserable retirement with 6 actions that can help you prepare for the retirement of your dreams, according to Catherine Collinson of the Transamerica Center for Retirement Studies. Big Al’s got a list of 10 reasons people don’t create a budget. Plus, the fellas cover the best states in which to retire, and they answer yet another question Trump’s new tax law as it relates to the sale of a primary residence.


SPECIAL: Market Volatility and Corrections - 154

Welcome to stock market volatility. Today the market clawed back some of its big losses from last week's correction, but what’s in store tomorrow or next week or next month? What should you be doing with your portfolio, and how will this affect your retirement? Joe Anderson, CFP®, Al Clopine, CPA and Brian Perry, ChFC® provide some guidance.


How To Successfully Retire at 41 - 153

Chris Mamula retired early - at age 41! He now blogs about his experiences at How did he do it, after making a decade of retirement planning mistakes? Plus 5 Things to Consider Before Tapping Your Retirement Accounts, and the good, the bad and the ugly of the popular "guaranteed income" products known as annuities. But first, the fellas have a bone to pick with CNN Money about the confusing new business tax deduction.


7 Changes to Social Security You Need to Know - 152

Today on Your Money, Your Wealth, seven new changes to your Social Security benefits - Joe and Big Al talk about the good and the bad. Plus, how small business owners may be in danger of screwing up their Social Security, how the new tax law lets you save big money if you’re taking required minimum distributions, and Joe’s fear of commitment is further cemented by the story of a fella who lost 60% of his life savings in a divorce.


Bitcoin, Blockchain and Cryptocurrency: Everything You Need to Know - 151

Cryptocurrency expert and controversial crypto-celeb Amanda B. Johnson answers the most common altcoin questions: what is digital currency? What’s a blockchain? Is Bitcoin safe? Why is Bitcoin so volatile? Should I own any cryptocurrency? Can cryptocurrency actually prevent "secret inflation"? Plus, how trading Bitcoin could ruin your mental health and 9 strategies to retire this year so you’ll have time to ponder whether or not you’ve "made it" in America - and what the heck is BillyRock?


Opportunities, Challenges and Tricks Coming From Trump's New Tax Law - 150

Joe and Big Al weigh in on 10 retirement resolutions experts say you should make for 2018. We’ll learn some new opportunities, challenges and potential tricks coming out of President Donald Trump’s new tax law. We’ll find out the secrets to Big Al’s big wallet, and how Joe is unwillingly helping his boy Mikey cut expenses. And we’ll hear one of the rare instances when the fellas kinda butcher the answer to an estate planning question.


How To Capitalize On The Goldilocks Economy in 2018 - 149

Brian Perry, CFP®, CFA® from Pure Financial Advisors recaps 2017's global Goldilocks economy. Will the bull run continue in 2018? Should we change our asset allocation to prepare our stock and bond portfolios for a market slow down? Are you properly allocated? What would Jim Cramer do, and should you care?! Plus, tax filing season is approaching, and Big Al’s Big Brain contains a whole bunch of stuff you need to know about the new tax law before you start working on those 1040s.


How To Tailor Your Retirement Income Strategy - And Why You Need To - 148

Retirement nest eggs have become bigger, but fixed income rates of return are low. How do you create a cash flow? What strategy will allow your investment portfolio to provide income throughout your retirement? Joe and Big Al explain what matters when tailoring your own personal retirement income strategy. Plus, determining in which type of accounts you should have your retirement savings, from where you should withdraw your required minimum distributions, and whether any of it will matter...


12 Things You Need To Know About Trump's New Tax Law - 147

How Trump’s new tax law, the Tax Cuts and Jobs Act, changes state and local tax deductions, brackets, the child tax credit, medical deductions, property taxes, mortgage deductions, home equity debt, charitable contributions, itemized deductions, alternative minimum tax, residential gain on sale exclusion and small business taxes. Plus, the top things no one tells you about retiring, Social Security claiming strategies, and do Roth TSP and Traditional TSP dollars "commingle?" And the Ghosts...


Millennials Want A Flex Life Over Financial Peace - 146

Whitney Hansen, host of the Money Nerds podcast, tells Jason Thomas, CFP, how the financial needs, wants and goals of Gen Y and Gen Z are different than - well, ours. And, everything you know about investing for retirement is wrong and dangerous. At least, that’s what some newsletters would have you believe. Plus, Joe and Big Al discuss 5 reasons to pay off your mortgage - and five more reasons not to pay off your mortgage.


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