Early Withdrawals, Tech Stocks vs. International, Annuities, ESOP and NUA - 533

Your Money, Your Wealth

Before she retires next month at age 52, Rowan in Georgia wonders how to maximize growth in her IRA, which will be funded with 72(t) early retirement withdrawals. What do Joe Anderson, CFP® and Big Al Clopine, CPA think of her substantially equal periodic payment plan? And how should she allocate it? Michael in Virginia isn’t interested in any international investments and is instead invested in stocks like Google, Amazon, Microsoft, Meta, and Berkshire. What adjustments would the fellas make to his portfolio for long term growth? That’s today on Your Money, Your Wealth® podcast 533. Plus, our friend Will, who is not a gas siphoner, wants Joe and Big Al’s opinion on "backdoor Rothing" his solo 401(k) instead of having an emergency fund, and on what he should do with his annuity. Also, the fellas explain ESOP and NUA - that is, employee stock ownership plans and net unrealized appreciation - for Tess and Finn in Texas.

Free financial resources & episode transcript: https://bit.ly/ymyw-533

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Timestamps:

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

01:05 - How Do I Maximize My 72(t) Early Retirement Withdrawals? (Rowan, GA - voice)

10:24 - Watch 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV, Calculate your free Financial Blueprint

11:23 - I'm Not Interested in International Investments. Does My Asset Allocation of Tech Stocks Make Long-Term Sense? (Michael, VA)

14:18 - Should I Backdoor Roth My Solo 401(k) Income Instead of Having an Emergency Fund? What Should I Do With My Annuity? (Will the Gas Siphoner)

24:44 - Schedule a Free Financial Assessment With Pure Financial Advisors

25:53 - ESOP and NUA Explained (Tess & Finn, TX)

31:53 - Tribute to Betsey Clopine, 1933 - 2025

33:17 - YMYW Podcast Outro