Should 70yearold Bob live off of capital gains and dividends from his mutual funds plus Social Security, or should he sell poorperforming mutual funds for living expenses and reinvest the cap gains and dividends? Which account should Neal’s 76yearold Mother use for living expenses? Should Neal and his wife fund their Roth 403(b) until retirement, or contribute to the regular 403(b) and then do Roth conversions after they retire? That’s today on Your Money, Your Wealth® podcast 481 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, the fellas spitball on whether IndyGuy can retire at 64 and Die With Zero, and Rod doesn’t want a spitball, but he’d like a dart on the wall as to whether his retirement savings will last until age 88. Free financial resources and transcript: https://bit.ly/ymyw481

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00:00 Intro
00:48 Living Expenses: #CapitalGains, Dividends & Social Security or Poor Performers? (Bob, Jupiter, FL)
10:02 From Which Account Should 76yo Mom Withdraw #LivingExpenses? (Neal, Dallas, TX)
18:11 Dart on the Wall for Our Retirement to Age 88? (Rod)
26:08 Can We Retire at 64 and #DieWithZero? (IndyGuy)
35:50 Save to Roth 403(b) or Traditional Until Roth Conversions at Retirement? (Neal, Dallas, TX)
42:54 The Derails

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CFP® The CERTIFIED FINANCIAL PLANNER™ certification is by the Certified Financial Planner Board of Standards, Inc. To attain the right to use the CFP® designation, an individual must satisfactorily fulfill education, experience and ethics requirements as well as pass a comprehensive exam. Thirty hours of continuing education is required every two years to maintain the designation.
CPA – Certified Public Accountant is a license set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Eligibility to sit for the Uniform CPA Exam is determined by individual State Boards of Accountancy. Typically, the requirement is a U.S. bachelor’s degree which includes a minimum number of qualifying credit hours in accounting and business administration with an additional oneyear study. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license (i.e., permit to practice) to practice public accounting. CPAs are required to take continuing education courses to renew their license, and most states require CPAs to complete an ethics course during every renewal period.