YMYW friends, welcome to 2026. What actually mattered most to you in 2025? It turns out to be tax-free gains on investments, retirement timing, and claiming Social Security. Today on Your Money, Your Wealth® podcast number 563, Joe Anderson, CFP® and Big Al Clopine, CPA break down the smartest tax moves, the biggest Roth mistakes to avoid, and how real people solve real retirement problems - with the help of special guests Susan Brandeis CFP® and the IRA guru, Ed Slott, CPA. Find out when Roth conversions help or hurt, how to lower lifetime taxes for you and your heirs, what it really takes to retire confidently, even without a massive portfolio, and more. Watch or listen and steal the financial strategies that made YMYW's most popular episodes of the year.

Free Financial Tools & Resources in This Episode:

https://bit.ly/ymyw-563 (full show notes & episode transcript)

The Complete Roth Papers Package - 3 free downloads in one!

Don't Let These 10 Risks Break Your Retirement - YMYW TV

Financial Blueprint (self-guided)

EASIRetirement (self-guided)

Financial Assessment (Meet with an experienced professional)

LISTEN to the Best of the YMYW Podcast 2021, 2022, 2023, 2024

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

REQUEST your Retirement Spitball Analysis

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Connect With Us:

YouTube: Subscribe and join the conversation in the comments

Podcast apps: subscribe or follow YMYW in your favorite

Apple Podcasts: leave your honest reviews and ratings

Chapters:

00:00 - Intro: This Week on the YMYW Podcast
00:54 - Roth IRA is "The Greatest Account Ever" Per Ed Slott. But Why?

from ep. 526: YMYW most listeners and plays in 2025 on Apple Podcasts, YMYW most downloaded in 2025 across all podcast platforms

20:46 - Is There a Point Where Roth Conversions No Longer Make Sense? (Jerry, Phoenix, AZ)

from ep. 535: YMYW most views, watch time, and new subscribers in 2025 on YouTube, most engaged listeners in 2025 on Apple Podcasts

32:13 - Roth Conversions vs. Taking Advantage of Zero Percent Cap Gains (Skipper, CA)

from ep. 517: YMYW most consumed episode in 2025 on Apple Podcasts

43:06 - We're in Our Early 40s with $795K Saved. Can We Retire at 55? (Mr Buckeye, OH)

from ep. 546: YMYW longest average view duration in 2025 on YouTube

55:12 - Is My Husband Eligible for Spousal Social Security Benefits Now that WEP and GPO Are Gone? (Cherilyn, El Cajon, CA)

from ep. 536: YMYW most plays, most listeners, and most viewers in 2025 on Spotify

59:53 - Outro: 2025 Stats and Next Week on the YMYW Podcast

One Hitter: Maduro Snatch 'n Grab with Thor Halvorssen (Members Only #293)

The Fifth Column

Joy Amid Uncertainty and Narco-Generals

The AI-powered Podcast Player