Top Funniest Moments From the Your Money, Your Wealth Podcast, Vol. 2 - Ep. 500

Summary

Your Money, Your Wealth Podcast – Episode 500: Top Funniest Moments from Volume 2

Release Date: October 22, 2024

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Introduction

In the milestone 500th episode of the "Your Money, Your Wealth" (YMYW) podcast, hosts Joe Anderson, CFP®, and Big Al Clopine, CPA, along with executive producer Andi Last, celebrate by revisiting the top funniest moments from Volume 2. Known for making finance fun and being recognized as one of the top personal and retirement podcasts, this special episode is a compilation of rare outtakes, jokes, stories, and amusing behind-the-scenes moments that highlight the dynamic chemistry between the hosts.

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Hilarious Missteps and Banter

The episode kicks off with the hosts humorously navigating the process of sending in money questions. This segment sets the tone for the episode, showcasing their playful rapport.

• Joe Anderson [00:57]: "Sometimes, Al and Andy. God bless you must have older brothers."
• Big Al Clopine [01:08]: "Did you just call me John?"
• Joe Anderson [01:25]: "Big ouch. So funny."

Their playful teasing continues as Joe attempts to use grammatically incorrect sentences, leading to laughter from both Big Al and Andi.

• Joe Anderson [01:33]: "It would be way more funnier. I don't even know if that's a right sentence. Is that just terrible grammar?"
• Andi Last [01:40]: "Yeah, totally."

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Listener Emails and Amusing Responses

A significant portion of the episode revolves around reading and reacting to listener emails, which often derail into humorous tangents.

1. Email from Roberto, Minneapolis, Minnesota

   Roberto’s email is a stream-of-consciousness message filled with financial jargon and personal anecdotes, which Joe struggles to read aloud without stumbling.

   • Roberto's Email Excerpt [36:11]: "Jake, our Covid rescue lab. Akita Shepherd, American Pitbull mix. Also loves to take along on the journey while listening. Not to worry nor need to chug a lug..."

   The team humorously breaks down the convoluted email, highlighting the challenges of understanding listener communications.

   • Big Al Clopine [38:49]: "We don't know what Michael Chipperfield told him. It's hard to answer."
   • Joe Anderson [39:05]: "Yeah. Hire Michael Chipperfield."

2. Email from Helen Wheels

   An email addressed to Helen Wheels includes a quirky narrative about having multiple financial accounts and personal life details.

   • Helen's Email Excerpt [21:58]: "I've got nine cats in a neurotic, paranoid beagle. I drive a 97 Toyota Prius and live in Portland..."

   The hosts playfully mock the complexity and humorous nature of the email.

   • Joe Anderson [22:30]: "I keep going back to that. That's why Fire. Financial independence. Retire early."

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Anecdotes and Personal Stories

The hosts share personal stories that add a comedic layer to the episode, revealing their personalities and past experiences.

1. Midlife Crisis and Cars

   Reflecting on their midlife crises, Joe and Big Al recount their choices in vehicles and the humorous implications of those choices.

   • Joe Anderson [12:30]: "I've got my Zen now because of it. I went through that period. I survived."
   • Big Al Clopine [12:31]: "He didn't remember those days."

2. Ice Skating Misadventures

   Joe shares an embarrassing tale about wearing figure skates during high school hockey, leading to laughs and empathetic reactions from Big Al and Andi.

   • Joe Anderson [33:03]: "My ice skating days were far. A few."
   • Big Al Clopine [33:38]: "You would have been imposing on."

3. Holiday Preparations and Changes

   The discussion shifts to how their lives have changed, particularly around the holidays, blending financial planning with festive humor.

   • Joe Anderson [31:21]: "I got to move to Portland and get a bunch of cats because you never called her back."
   • Big Al Clopine [32:14]: "You're fine."

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Behind-the-Scenes Outtakes

Towards the end of the episode, the compilation includes behind-the-scenes moments where technical glitches and spontaneous laughter add to the humor.

• Technical Glitches [48:46]:

  • Joe Anderson: "No way. We'll start over."
  • Big Al Clopine: "We take the laughing part in."

• Final Wrap-Up [47:52]:

  • Joe Anderson: "All right, that's it for us."
  • Big Al Clopine: "We're out of here."

The final moments capture the camaraderie between the hosts and their ability to laugh at themselves, reinforcing the podcast’s reputation for making finance enjoyable.

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Conclusion

Episode 500 of "Your Money, Your Wealth" serves as both a celebration and a testament to the podcast’s enduring ability to blend financial wisdom with humor. Through mispronunciations, listener emails, personal anecdotes, and behind-the-scenes laughter, Joe Anderson and Big Al Clopine showcase why YMYW has been honored as a top personal and retirement podcast. This episode not only entertains but also strengthens the bond between the hosts and their audience, promising many more insightful and amusing episodes to come.

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Notable Quotes

• Joe Anderson [02:09]: "I drive a 2017 Volkswagen Jetta. More funnier. That's not more fun."
• Big Al Clopine [05:03]: "Yeah, 500,000, right."
• Joe Anderson [26:15]: "That's more than people making a lifetime."
• Big Al Clopine [39:05]: "Anyone that has this kind of income, this kind of savings, these kind of assets. Chillax, man."
• Andi Last [37:00]: "Financial blueprint courtesy of your money, you, wealth and Pure Financial advisors."

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Stay Connected

For more content like this and to access free financial resources, visit YourMoneyYourWealth.com. Continue sending in your questions and comments to keep the conversation going. Here's to the next 500 episodes of learning, laughing, and mastering your finances with YMYW!

Transcript

[Andi Last]

I'm Andi Last, executive producer for the youe Money, you, Wealth podcast. And for 499 episodes of YMYW, Joe Anderson, CFP and Big Al Clopine, CPA have been making fun of finance. Thanks for joining me for episode 500, where we're celebrating the top funniest moments from the YMYW podcast, Volume 2. Check out episode 300 from back in November of 2020 for Volume 1 from. For this episode, I've compiled some rare, never before seen, can't miss derails, jokes, stories, screw ups and outtakes from two talking heads sitting at a desk. That is to say, we appreciate you following, watching, laughing and commenting on YouTube or on Spotify. But if you're listening in Apple podcasts or another podcast app, you will laugh just as much. First up, Joe and Big Al explain how to send in your money questions.

[Joe Anderson]

Go to YourMoneyYourWealth.com, click on Ask Joe and Al on the air.

[Big Al Clopine]

You want to emphasize that, huh? People call you the wrong name sometimes.

[Joe Anderson]

Sometimes. Al and Andy. God bless you must have older brothers.

[Andi Last]

I do. Joe and Big Al.

[Joe Anderson]

Did you just call me John?

[Andi Last]

I did not. I said Joe and Big Al or Joel?

[Big Al Clopine]

Joel. John.

[Joe Anderson]

Jackass. Love your show. You are both. You both are very funny.

[Big Al Clopine]

Wow.

[Joe Anderson]

Big ouch. So funny. Love your.

[Big Al Clopine]

Can you imagine how funny the show would be without you?

[Joe Anderson]

It would be way more funnier. I don't even know if that's a right sentence. Is that just terrible grammar?

[Andi Last]

Yeah, totally.

[Joe Anderson]

It was just.

[Andi Last]

That's what makes it so funny.

[Joe Anderson]

It was like more funner.

[Big Al Clopine]

Way more funnier.

[Andi Last]

Way funnier.

[Joe Anderson]

Funnier.

[Big Al Clopine]

Way funnier.

[Joe Anderson]

It's funny. Move on. Love the subtle snarkiness.

[Big Al Clopine]

Are we snarky? Well, you are.

[Andi Last]

You're unsubtly snarky.

[Joe Anderson]

I drive a 2017 Volkswagen Jetta. More funnier. That's not more fun.

[Big Al Clopine]

We know what you mean.

[Joe Anderson]

It's terrible. People listen to this is like, this guy is a complete imbecile. If they still write in and they.

[Big Al Clopine]

Still want to listen, people switch stations and they hear you that it's. It's more funnier.

[Joe Anderson]

Oh my God. It's like, oh, that guy actually said that manages finances for a living.

[Big Al Clopine]

Well, I'm good with money, not words.

[Joe Anderson]

It's just embarrassing that I have to read all this crap out loud.

[Big Al Clopine]

But that's why we love the show.

[Joe Anderson]

Okay, I drive. When's the last time you listen to it?

[Big Al Clopine]

It's been a while.

[Joe Anderson]

I don't know. How you continue to do this is I just butcher names. You're Andy, Joe, and Al, our Big Al. Sorry.

[Big Al Clopine]

Yeah. Let's get it right.

[Joe Anderson]

Sorry. Big got Alberto from. You said it with a little bit differently. Is it Gilberto?

[Andi Last]

Gilberto.

[Joe Anderson]

Wow. Okay.

[Andi Last]

That was coming, I'm guessing. I'm hoping that that's close, based on my high school Spanish.

[Joe Anderson]

I make fun of the questions themselves. Thanks for the great show, longtime listener. I enjoy Joe's jokes and Big Al's wisdom. Joe's jokes.

[Big Al Clopine]

Yeah, I got good jokes. You got got. You're the funny man, man.

[Joe Anderson]

Yeah. You're the straight guy.

[Big Al Clopine]

I'm the wisdom guy.

[Joe Anderson]

I won't bore you with cars or drinks. Whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa.

[Big Al Clopine]

That's the only part Joe likes.

[Joe Anderson]

I know. You're boring me with all your financial garbage. Yeah, I want to, like, enjoy, you know, just visualizing what these people look like, what they. What they like to drive, what they like to drink.

[Big Al Clopine]

Yeah.

[Joe Anderson]

Then you feel like you're. They're right there with us. Josie writes in from Atlanta. Listen to YMYW in the shower. That might be a first while getting ready for work. Thank you. Wow. Interesting. Just try to get you like to.

[Big Al Clopine]

Picture where they are.

[Joe Anderson]

There we go. All right, we got Alyssa from Cedar Rapids, Iowa. Hey, Andy. Big Al, Joe. I've been listening to the show for about a year and enjoy it very much. I often listen to it while drying my hair or on the drive to work, and I always find it entertaining and educational. Drying your hair.

[Big Al Clopine]

That's a first, I think.

[Andi Last]

I don't know how you listen to a podcast with a hair dryer going.

[Joe Anderson]

I think this is the best podcast to listen to while you're drying your hair.

[Big Al Clopine]

I think you're right, because if you only catch about every 10 words, it's good now.

[Joe Anderson]

It's perfect. I have access to planning tools in no cost consultation with an intelligent and attentive cfp.

[Big Al Clopine]

Okay, well, that's good.

[Joe Anderson]

Wow. He's probably really handsome or beautiful.

[Big Al Clopine]

Yeah. When I first saw that, that's what I thought. Intelligent and attractive. But then I said, oh, attentive.

[Joe Anderson]

Can you share how a mutual fund portfolio would work in retirement? For example, I have 500. Is that 500,000?

[Big Al Clopine]

Yeah, 500,000, right.

[Joe Anderson]

$500,000 and withdraw 5,000 in a year.

[Big Al Clopine]

50,000.

[Joe Anderson]

There's no commas.

[Big Al Clopine]

I know. It makes it harder. Like, let's see, it's five with how many zeros? One.

[Joe Anderson]

Yeah. One. Two. Yeah.

[Big Al Clopine]

The comments do help. Us. I will say that the humor and.

[Joe Anderson]

Mispronunciation, which, while intentional, is amusing.

[Big Al Clopine]

Yeah.

[Andi Last]

Spelled her so, Joe, is it intentional, the mispronunciation?

[Joe Anderson]

Absolutely not. Yeah. I'm a very terrible reader, but that's.

[Big Al Clopine]

What makes it fun.

[Joe Anderson]

No, it's. It's so. It's. I'm embarrassed. I could never listen to this program.

[Big Al Clopine]

Yeah. But if I read the questions, we wouldn't have any listeners. It would be pretty boring.

[Joe Anderson]

But I should prep.

[Big Al Clopine]

Yeah, that'd be good.

[Joe Anderson]

I could read them like six or seven times and then it would just flow.

[Big Al Clopine]

Practice. Just practice in the car. How am I going to read this without pausing?

[Joe Anderson]

Yes. I'm going to tape myself reading the email questions.

[Big Al Clopine]

I did before.

[Joe Anderson]

But this is. I mean, I'm getting a lot better when I remember when I would read anything.

[Big Al Clopine]

Well, I remember in the early days.

[Joe Anderson]

He didn't read anything terrible.

[Big Al Clopine]

I. I read the true false questions.

[Joe Anderson]

Yeah. I was like, you go for it. Al got Christine from Seattle. Joe's an acquired taste. But happily, a taste I've acquired.

[Big Al Clopine]

Yeah. Takes. Takes a while to warm up.

[Joe Anderson]

You know, it just takes a couple of episodes and then you fall in love. Right? Yeah, it's just like. Except for that one guy. It's like, yeah, I've subscribed and unsubscribed 10 times. I just can't do it. Something just draws me back. But then flip it. Anderson makes me unsubscribe and give you a one star review. Yeah, I've been told that. So I appreciate that, Christine. It can be a little hard to follow when he and Al process out loud, but they either gotten better at summarizing or I've gotten better at tracking. I don't know. I think she's tracking better.

[Big Al Clopine]

That's what I think too.

[Joe Anderson]

Right. She's acquired the taste, but she's tracking. She gets it. She doesn't know she's getting smarter. As soon as I start being annoying, it's like, wow.

[Big Al Clopine]

Clicks, right?

[Joe Anderson]

No, the contact us form on the website wouldn't submit for me. Imagine that.

[Andi Last]

Surprise, surprise.

[Joe Anderson]

Website sucks. Maybe it's their browser.

[Andi Last]

Could be.

[Joe Anderson]

Oh my God. I just sounded like an IT guy.

[Big Al Clopine]

Who is in this room with me.

[Joe Anderson]

Yeah. Browser. Chrome.

[Big Al Clopine]

Do you have any other ideas why it doesn't work?

[Joe Anderson]

Maybe it's. Maybe it's the Chrome.

[Big Al Clopine]

Maybe it's an Apple book instead of a PC.

[Joe Anderson]

Yeah, maybe. Is it hashtag.

[Andi Last]

Maybe you should clear your cache.

[Big Al Clopine]

Irrelevant.

[Joe Anderson]

Yeah, you got to clear your cache, right? Something like that. Okay. Don't change a thing. Ooh, I prefer to be entertained. As I learn Said we're changing anything.

[Big Al Clopine]

Well, I think Ninja and others made you question your style.

[Joe Anderson]

Maybe. Well, I was just gonna retire Steam as this is the Backdoor Roth show.

[Big Al Clopine]

Have you thought of changing the name from youm Money, you, Wealth to the Backdoor Roth?

[Joe Anderson]

Sounds like it. I thought let's just answer your question instead of doing my own research. All right, Jared, that's what we're here for. We'll do the research for you free of charge because we're the Backdoor Roth guys. I made a call last year to Stan the Annuity. Man.

[Big Al Clopine]

That's a great name. We should get something.

[Joe Anderson]

I gotta get Stan the Annuity man on here, man.

[Big Al Clopine]

What can we do with Joe and Al?

[Joe Anderson]

We'll figure it out.

[Big Al Clopine]

And to get on it, we will come up.

[Andi Last]

Okay, I'm working on it.

[Joe Anderson]

That is catchy.

[Big Al Clopine]

It is even I want to meet him.

[Andi Last]

Well, I mean, you guys are the Roth brothers. You do have that.

[Joe Anderson]

Yeah, but that's not Stan the Annuity.

[Big Al Clopine]

We gotta. We gotta do better than that.

[Joe Anderson]

We take pride in this. It's not like just off the shelf advice, but this zero advice here, right, Brent the Fan. Hey, guys, can you spitball for me? Damn right, Brent the Fan. We can. So he could have $4.5 million in a retirement account? Of course, all hypothetically.

[Big Al Clopine]

Sure.

[Joe Anderson]

This is just totally a spitball. This is a big juicy one, right?

[Andi Last]

The most important ingredient in any good retirement recipe is the retirement plan itself. But you've got 14 different types to choose from. So what are the best ingredients for your unique recipe for retirement? In this week's brand new episode of youf Money, you, Wealth tv, Joe Anderson, CFP and Big Al Clopine, cpa, outline the characteristics, the benefits and drawbacks of defined contribution plans. Defined benefit plans and equity compensation. Whether you're a worker, a self employed small business owner, or a management or executive type, they'll break down your options from 401ks and IRAs to pensions and cash balance plans. From SOLOs, SEPs and SIMPLES to RSUs, NSOs and ISOs and ESPPs. Learn about all the acronyms and ingredients that can go into your recipe for retirement. Click the link in the episode description to watch youh Money, you, Wealth TV right after this episode. Sometimes listener questions just completely derail Joe and Big Al and YMYW turns into story time.

[Joe Anderson]

Hello, Joe, Al and Andy. It's Brian from Queens, New York, chilling in the 2012 Honda Odyssey minivan.

[Big Al Clopine]

Right.

[Joe Anderson]

That's what you have.

[Big Al Clopine]

That's what I used to have when I went through my mid leg.

[Joe Anderson]

When you had your mid leg.

[Big Al Clopine]

Which is about your age now. So I expect to see you any day in a red convertible.

[Joe Anderson]

Does that make you feel better?

[Big Al Clopine]

Oh, way. And I got the baseball cap. Beautiful, beautiful stuff.

[Joe Anderson]

It was like Tom Selleck.

[Big Al Clopine]

It was 42 degrees and I had the top down, the heat all the way up park. It was awesome.

[Joe Anderson]

You were one of the guys had the top down with the windows up, the heat on.

[Big Al Clopine]

Yeah, that was me. Only in the summer, I put the windows down.

[Joe Anderson]

So it changed your life. The midlife was.

[Big Al Clopine]

I've got my Zen now because of it. I went through that period. I survived.

[Joe Anderson]

How long did it take you to get through it?

[Big Al Clopine]

20 years.

[Joe Anderson]

Okay, my first question. You guys had Paul Merriman on the show. Yeah, like 400 years ago. That was when.

[Big Al Clopine]

Episode one.

[Joe Anderson]

That was when Al was in the heat of his midlife crisis. Yeah.

[Big Al Clopine]

I don't even remember those days.

[Joe Anderson]

Al would show up to the show with wavy air.

[Big Al Clopine]

It was straight back.

[Joe Anderson]

It was freezing. Why are you so cold?

[Big Al Clopine]

I finally pulled out my parka when the studio was. After the heat kicked in. In the.

[Joe Anderson]

I'm driving a little 2018 Jetta with 32,000 miles, which is my fifth least in or purchased Jetta since 1985.

[Big Al Clopine]

Did you ever own a Jetta?

[Joe Anderson]

Big fan of the Jetta there, Jay. Jetta, man.

[Big Al Clopine]

I actually did own a Jetta.

[Joe Anderson]

I didn't. I've never owned a Volkswagen.

[Big Al Clopine]

I also owned a Volkswagen Rabbit. That was my first car out of college.

[Joe Anderson]

Isn't that convertible?

[Big Al Clopine]

No, no.

[Joe Anderson]

Isn't that the Can't Buy Me Love car? You've probably never seen that movie. This. You should watch this.

[Big Al Clopine]

You're thinking of the Volkswagen Bug, aren't you?

[Joe Anderson]

No, no, no, no. It's a Rabbit. You've never seen Can't Buy Me Love? Can't have you no. Patrick Dempsey, since you're a Hugh Grant fan, you'd probably love this show. It's like it's a rom com here.

[Big Al Clopine]

Let me chat that down. I'm gonna watch you later.

[Joe Anderson]

I can't buy me Love. Yeah. In the. The girl he's got a crush on, she had a little convertible Volkswagen Rabbit. And then like every girl that ever seen that movie wanted to have a Volkswagen Rabbit convertible.

[Big Al Clopine]

I can tell you when I bought a Volkswagen Rabbit, which was in the 90s, early 80s.

[Joe Anderson]

Oh, wow. You're before your time, Al.

[Big Al Clopine]

Well, I was way before everyone Else's time. Apparently so. But there was no convertible at that point. It was just a hard top.

[Joe Anderson]

Yeah.

[Big Al Clopine]

But so that was something that happened later. Apparently.

[Joe Anderson]

I went to high school in the 90s.

[Big Al Clopine]

Yeah.

[Joe Anderson]

And so that was a big deal.

[Big Al Clopine]

Yeah. Convertible. Yeah.

[Joe Anderson]

Yes, Rabbit, convertible. Rabbit. Got it right. Andy, you probably.

[Andi Last]

I don't actually. I don't know the movie. I don't know what you're talking about. I just had to google the car to see what you're talking about. And I'm going to take. Take issue with you saying that you went to high school in the 90s.

[Big Al Clopine]

I do.

[Andi Last]

And I are about the same age. I graduated 91.

[Joe Anderson]

I went to. No, I was a lot later than that.

[Andi Last]

Okay.

[Big Al Clopine]

That's 90s, right?

[Joe Anderson]

That's 90s.

[Big Al Clopine]

Yep.

[Andi Last]

Okay.

[Joe Anderson]

It's not the 70s.

[Andi Last]

You're right. You're right.

[Big Al Clopine]

80S or 90s and you would have been correct.

[Joe Anderson]

90S. I got a two year old son.

[Big Al Clopine]

That's a whole other topic. How old will you be when he's in high school?

[Joe Anderson]

Oh my God.

[Big Al Clopine]

That's. That's a whole other calculation.

[Joe Anderson]

Yeah. Yeah. Jeff, Joan, Al. Greetings from sunny Singapore. Singapore.

[Big Al Clopine]

Singapore.

[Joe Anderson]

Oh. Have you ever been international program year global. No, never been.

[Big Al Clopine]

Me neither. My son's Rob's been.

[Joe Anderson]

I've been out of the US like twice. Mexico maybe three times. If you.

[Big Al Clopine]

Mexico, Canada and what's the other one?

[Joe Anderson]

I've been to Canada a couple times because I'm from Minnesota.

[Big Al Clopine]

Bahamas.

[Joe Anderson]

Yeah. I've been to the Bahamas once when I went to. When I was in Florida and I went to London.

[Big Al Clopine]

Oh, you went way across the Atlantic.

[Joe Anderson]

Yes.

[Big Al Clopine]

Look at that.

[Joe Anderson]

Yeah, I went to London for like a week.

[Big Al Clopine]

Okay.

[Joe Anderson]

But that's about it.

[Big Al Clopine]

I didn't know you're such an international traveler.

[Joe Anderson]

It's crazy, isn't it? My passport is out of control.

[Big Al Clopine]

One step maybe.

[Joe Anderson]

Oh, boy.

[Big Al Clopine]

Have you been to Canada?

[Joe Anderson]

Oh, yeah. As a kid.

[Big Al Clopine]

Oh yeah. Because of Minnesota.

[Joe Anderson]

Yeah. Yeah. Go fishing.

[Big Al Clopine]

Sure.

[Joe Anderson]

We take these little flying in cabins.

[Big Al Clopine]

Yeah.

[Joe Anderson]

Like the planes land on the water.

[Big Al Clopine]

Sure. Yeah. That would be not very much fun. I don't think.

[Joe Anderson]

You catch a ton of fish. I'm sure, but.

[Big Al Clopine]

Because no one else is doing it.

[Joe Anderson]

Exactly. You're the only ones that. You have this whole thing, you know these lakes to yourself. But that was in high school and I haven't been fishing since.

[Big Al Clopine]

Got it.

[Joe Anderson]

Because it's your spoiled. Right. You throw a line and you're catching all these walleye and. Right, right.

[Big Al Clopine]

Aren't you freezing? We Have.

[Joe Anderson]

No, it's summer.

[Big Al Clopine]

Oh, it's summer.

[Joe Anderson]

Yeah. Freezing. I'm not ice fishing in a. I.

[Big Al Clopine]

Thought you said you'd land on a lake.

[Joe Anderson]

Yeah, an airplane does because it's remote.

[Big Al Clopine]

Oh, it's pontoons. Okay.

[Joe Anderson]

No, it's an airplane that lands on a lake. No, I understand, but it's not a pontoon.

[Big Al Clopine]

Don't you call those pontoons? What do you call it? What do you call it at that point?

[Joe Anderson]

A pontoon is what you sit and party on. I don't think pontoons fly.

[Big Al Clopine]

I don't know what you call that. The kind of plane that lands on water.

[Joe Anderson]

I'll have to look that up, you know. Have you ever seen Pantasy Island?

[Big Al Clopine]

Oh, yeah, yeah.

[Joe Anderson]

The plane.

[Big Al Clopine]

The plane, yeah. Tattoo.

[Joe Anderson]

All right, let's get back to Jeff. I have a question regarding the stack.

[Big Al Clopine]

There's a name for those funny things they put on the plane.

[Joe Anderson]

I suppose. I mean, maybe instead of.

[Andi Last]

It's called a seaplane.

[Big Al Clopine]

I know, but the attachment that goes on the wheel.

[Joe Anderson]

Oh, oh.

[Andi Last]

Actually those with separate pontoons or floats as float planes. So there you go.

[Big Al Clopine]

Wow, look at that.

[Joe Anderson]

Oh, I know what you're talking about. It's a pontoon.

[Big Al Clopine]

So you party on those things?

[Joe Anderson]

Yes, I do.

[Big Al Clopine]

Those little things that go in the wind?

[Joe Anderson]

Yes. I got an oar, six pack of Coors light.

[Big Al Clopine]

Had your laugh.

[Joe Anderson]

Yeah, got it. We got Ship of Fools.

[Big Al Clopine]

It's a good name.

[Joe Anderson]

Sounds intriguing.

[Big Al Clopine]

Wonder where he's going with that.

[Joe Anderson]

I'm planning to take five to 10 years off of full time work and sail to eastern U.S. bahamas, Caribbean, etc. All right, so he bought a sailboat or she bought a sailboat. Ship of Fools bought a sailboat. I plan to travel and live on the cash. This reminds me of this guy I met in Hawaii named Hans.

[Big Al Clopine]

Hans, okay.

[Joe Anderson]

So I was in Hawaii for my buddy Mikey Martin's return trip from out at sea.

[Big Al Clopine]

Yeah, right, right, sure.

[Joe Anderson]

So Danny, his Mike's wife and I went out to meet with him and her family.

[Big Al Clopine]

Yeah.

[Joe Anderson]

And so we rented this house on the beach and this, this guy lived next to this house and his name was Hans.

[Big Al Clopine]

Got it. Okay.

[Joe Anderson]

And he was just a nomad and.

[Big Al Clopine]

He was very cheap.

[Joe Anderson]

Oh, very cheap. And what he would do is paddle board all day. And he was a traveling nurse. Right. So he was in healthcare.

[Big Al Clopine]

Yeah.

[Joe Anderson]

And then he's like, yeah, I work when I want to work and I can go in here part time. And he's like, I haven't really worked in 20 some odd years. The guy was like probably 60 something and it just ripped in great shape.

[Big Al Clopine]

The happiest guy living the life he wanted.

[Joe Anderson]

Yeah, but he was kind of, he was odd. He was a little, he was a little odd. Maybe Ship of Fools is a little odd. But he brought me to his little hut, right? So he had this tiny little, little house. And he's like, yeah, here, come in, I want to show you my place. And then so I'm walking up the stairs to his little like room and there's these pictures of like this naked lady that was like 70, 70 year old pictures, you know, like in the 70s, like Clara Faucet hair.

[Big Al Clopine]

Yeah.

[Joe Anderson]

Totally naked. And I was like, hans, what, what's going on here? Who's this? He's like, oh, yeah, that's my ex wife. There's like, there's like, there's like five pictures. Huge paintings.

[Big Al Clopine]

Huge. Yeah.

[Joe Anderson]

And I was like, I gotta get the hell out of here, Hans.

[Big Al Clopine]

It's creeping me out.

[Joe Anderson]

It's creeping me out a little bit. Joe and Al walk into a trendy high end lounge. Joe buys drinks for four beautiful women next to him. And sitting down at the bar. All right. The women then get up and sit at the table with the big man, Al Clopine.

[Big Al Clopine]

Well, I will say I am married, but says Joe.

[Joe Anderson]

Yeah, so am I. I don't understand what the reference. Was it because of something we said in the TV show?

[Andi Last]

No, I think it's just because you, you have the reputation historically as being a player.

[Joe Anderson]

Ah, got it. He's listening to some older episodes, apparently. Yeah, I got an interesting email. Here goes. Joe, you might not remember me, but we hooked up one night in Atlanta.

[Big Al Clopine]

Ooh, this could get steamy. Sure you want to read this?

[Joe Anderson]

I lived in Atlanta, Georgia.

[Big Al Clopine]

I know, that's what I'm thinking. This is like 20 years ago. Blast from your past 20 some odd years ago.

[Joe Anderson]

Right. While we were talking.

[Andi Last]

Talking. That's probably in quotes.

[Joe Anderson]

That's what it says. While we were talking, you mentioned the importance of diversifying investments. So when I started investing into IRA accounts, I set up a new account each month to put the money into. That's pretty good. Smart move there.

[Big Al Clopine]

Set a new account up every month.

[Joe Anderson]

Every month.

[Big Al Clopine]

Because you got to diversify.

[Joe Anderson]

You got to diversify. The problem is, since I now have over 200 accounts, it's going to take a long time and effort to get them all transferred. Is there an easier way to do this?

[Big Al Clopine]

Wow, 200 accounts.

[Joe Anderson]

What the. This is so strange. I've got nine cats in a neurotic, paranoid beagle. I drive a 97 Toyota Prius and live in Portland. I've signed this Helen Wheels since you sang that song to me at the Karoki Bar. Because my name is Helen. Since you never called me after that night, I hope you will be willing to make it up to me by helping me out with my situation. Wow.

[Big Al Clopine]

Yeah. You didn't call her back.

[Joe Anderson]

Yeah. We're singing.

[Big Al Clopine]

Karaoke or karaoke.

[Joe Anderson]

Did you say karaoke or karaoke?

[Big Al Clopine]

Karaoke, Andy.

[Andi Last]

Karaoke.

[Joe Anderson]

Karaoke.

[Andi Last]

Karaoke.

[Big Al Clopine]

Karoki, you say karaoke.

[Joe Anderson]

I don't know.

[Big Al Clopine]

Tomato, tomato.

[Joe Anderson]

Give me that.

[Andi Last]

I love the fact that you hooked up with somebody and then talked to her about diversifying her investments. That might explain why you're still single.

[Joe Anderson]

It could be. Yeah. You know, we're just.

[Big Al Clopine]

Was that before or after you hooked up?

[Joe Anderson]

I don't know who Helen Wheels is. I would. Nine cats. A paranoid dog drives a Prius.

[Big Al Clopine]

Yeah. But that was.

[Andi Last]

This is how Helen is now.

[Big Al Clopine]

Different animals.

[Joe Anderson]

Yeah. This is what I did to Helen. Right. You had to move to Portland and get a bunch of cats because you.

[Big Al Clopine]

Never called her back.

[Joe Anderson]

Never called her back.

[Andi Last]

She managed her 200 accounts.

[Joe Anderson]

Yes. I am so sorry about this situation. Yeah. It would be good to see Helen.

[Big Al Clopine]

You have a good karaoke voice.

[Joe Anderson]

Oh, yeah.

[Andi Last]

He's much better as a dancer, I think.

[Joe Anderson]

Yes. I'm not a singer. I'm a dancer.

[Big Al Clopine]

I will vouch for that.

[Joe Anderson]

Yeah. These hips don't lie.

[Big Al Clopine]

I've seen you dance Michael Jackson for an hour straight thinking, when is this going to end?

[Joe Anderson]

I got a routine. I practice it in the mirror.

[Big Al Clopine]

It actually was really good.

[Joe Anderson]

Yeah. I was dancing one time and a little party. This one guy goes, there's no way he doesn't practice that.

[Big Al Clopine]

It just comes naturally.

[Joe Anderson]

Yeah, right. You get. Yeah. Get a nice little music and you start dancing. I'm sure a lot of people like that.

[Big Al Clopine]

Not too many that I know.

[Joe Anderson]

Color me sad.

[Big Al Clopine]

Don't be sad.

[Joe Anderson]

It's like color me bad.

[Big Al Clopine]

It's okay to send us an email.

[Andi Last]

I knew you were gonna say that.

[Joe Anderson]

Favorite group of all.

[Andi Last]

Really?

[Joe Anderson]

Color me bad.

[Big Al Clopine]

Really?

[Joe Anderson]

Oh, yeah.

[Andi Last]

And what was their hit song?

[Joe Anderson]

What? I want to sex you up.

[Andi Last]

That's the one, right, Al? Did you know that?

[Joe Anderson]

So good.

[Big Al Clopine]

I missed that whole group.

[Joe Anderson]

What?

[Andi Last]

I was probably gonna be in our age group.

[Joe Anderson]

Wow. Color me bad, man. I would be dancing to that.

[Big Al Clopine]

Was that. Was that like a one hit wonder band?

[Joe Anderson]

I don't think so. I like.

[Andi Last]

Yeah.

[Big Al Clopine]

Came out with all seven of them.

[Joe Anderson]

They were so good. Great album.

[Big Al Clopine]

Got it.

[Joe Anderson]

Got a guy. Oh, man. Like parachute pants.

[Big Al Clopine]

Really?

[Joe Anderson]

With a little beanie like John Lennon.

[Big Al Clopine]

Was he the lead singer?

[Joe Anderson]

Oh, yeah.

[Big Al Clopine]

Yeah, yeah, Right? You got to have style if you're lead singer.

[Andi Last]

Wow, you really did know this group, didn't you?

[Joe Anderson]

Yeah. Dressed just like them in high school.

[Big Al Clopine]

You still do sometimes. We go to parties. Parachute pants. It's like, where'd that come from? Now I know.

[Joe Anderson]

Little half shirt.

[Big Al Clopine]

Yeah.

[Joe Anderson]

Gold chains.

[Andi Last]

Singing I want to sex you up.

[Joe Anderson]

Yeah. Just yelling.

[Big Al Clopine]

Now I know to stay away from you when you're in that outfit we got.

[Joe Anderson]

Ricky writes in from Alabama. Is this Ricky? Ricky runs real fast.

[Andi Last]

That's Ricky.

[Big Al Clopine]

Oh, that was that. Ricky.

[Joe Anderson]

Ricky. Ricky steals bases.

[Big Al Clopine]

Ricky Henderson, for all you out there.

[Joe Anderson]

Oh, I love Ricky Henderson.

[Big Al Clopine]

Ricky always talked in the third person. And you just love that, don't you?

[Joe Anderson]

You know, it's one of my biggest pet peeves of all time because I only like it when Rick Henderson did it.

[Big Al Clopine]

Yeah, that was kind of cool, but anyone else can't do it.

[Joe Anderson]

Ricky. Ricky runs real fast. I am a 1099 while she is a W2. Is that how you refer yourself? I'm a 1099? Yep.

[Big Al Clopine]

And she's a W2.

[Joe Anderson]

Go to a little cocktail party.

[Big Al Clopine]

Yeah.

[Joe Anderson]

What are you? W2? I'm a 1099. What's up?

[Big Al Clopine]

Is that what you do? First question. Cocktail party. 1099.

[Joe Anderson]

1099. Kind of look like a 1099.

[Big Al Clopine]

That's kind of risky behavior. You're W2. Kind of more steady. Slow as she goes.

[Joe Anderson]

I know. We are savers. Fire people.

[Big Al Clopine]

Financial independence. Retire early.

[Joe Anderson]

Oh, yeah. 1099. Er.

[Big Al Clopine]

Yeah.

[Joe Anderson]

I save about $280,000 a year.

[Big Al Clopine]

Wow. I've never saved that much.

[Joe Anderson]

That's more than people making a lifetime. We currently. Wow, that's big. Altogether. He's got the biggest wallet I've ever seen.

[Big Al Clopine]

That's a little rich for even me.

[Joe Anderson]

I'm a 1099. Oh, God. I keep going back to that. That's why Fire. Financial independence. Retire early.

[Big Al Clopine]

Love the concept. Don't you want. No, everyone wants to do that.

[Joe Anderson]

I think I hate the concept to be.

[Big Al Clopine]

Not me.

[Joe Anderson]

I just.

[Big Al Clopine]

You need more hobbies.

[Joe Anderson]

I don't think I really. I mean, we've. I've never met a fire guy that I.

[Andi Last]

Joe, you haven't met many people that you really like.

[Joe Anderson]

It's like I'm saving 85% of my income. I'm living in a tent down by the river so I can retire at 45 and I got like 8 million bucks.

[Big Al Clopine]

Well, I'm not saying I want to do it. I'm saying I. I think it's cool. Because you know why? Because you have more control and freedom over your life.

[Joe Anderson]

You're fi. Yeah. Why aren't you? Re.

[Big Al Clopine]

Because I like. I. I like the non. Re.

[Joe Anderson]

I got it. Got it.

[Big Al Clopine]

You're right. I am fine.

[Andi Last]

He couldn't stay away from you, Joe.

[Joe Anderson]

Yeah, well, you're not re. You're ro.

[Big Al Clopine]

What's that?

[Joe Anderson]

Retired old.

[Andi Last]

Retire old.

[Big Al Clopine]

Yeah, yeah, yeah, I suppose. Or rvo. Retire very old.

[Joe Anderson]

You're not going to get anywhere near stock market, like, returns.

[Big Al Clopine]

Sure.

[Joe Anderson]

With no downside risk. So. But the salespeople out there, let's see if you go to, you know, the steak dinner ones. The chicken sandwich or. The chicken dinners.

[Big Al Clopine]

Yeah, steak dinner.

[Joe Anderson]

Steak dinners. Yeah. You and I used to do those for TD Ameritrade.

[Big Al Clopine]

We did.

[Joe Anderson]

Was it that the worst existence of our lives.

[Big Al Clopine]

Not fun. We stopped it.

[Joe Anderson]

Oh, my God. People just yell at you. But, right. You go. You can get these invitations. A lot of people get invitations. They go every single night.

[Big Al Clopine]

Sure.

[Joe Anderson]

Right. And then this is a free dinner. Right. And they're good places too. Yeah.

[Big Al Clopine]

And you'd see a lot of the same people. Okay, I remember you.

[Joe Anderson]

I watched this movie and I forget the name of it. Harrison Ford's in it. You like Harrison Ford? Oh, this is. I probably know this is another rom com.

[Big Al Clopine]

I might.

[Joe Anderson]

And it's Ryan Reynolds Wife. What's her name? Anyone? Anyone?

[Big Al Clopine]

Ryan Reynolds Wife. Yeah, I need more than that. Andy will look at it anyway.

[Andi Last]

Blake Lively.

[Joe Anderson]

Yes, thank you. Blake Lively.

[Big Al Clopine]

No.

[Joe Anderson]

So she gets in a car accident and then she stops aging at the age of 23.

[Big Al Clopine]

No, I didn't. I don't know that one.

[Joe Anderson]

Oh, that's a doozy.

[Big Al Clopine]

Okay, so she looks the same, right?

[Joe Anderson]

And then all of a sudden, everyone. Like her daughter is. Looks like a real old lady and she still looks super hot.

[Big Al Clopine]

Got it.

[Joe Anderson]

But I mean, it's. She's miserable because she can't have long term relationships and everything because they're like, oh, my God, why don't you age?

[Big Al Clopine]

Yeah, Right. So, okay, well, anyway.

[Andi Last]

What is that?

[Joe Anderson]

But what I'm saying is that, you know, everyone wants to keep their. Their youth.

[Big Al Clopine]

Yes.

[Joe Anderson]

Right. But if. Be careful what you wish for that year, because every. All your good friends and everyone else dies around you, you know, because when you're 40, you know.

[Big Al Clopine]

What are you going to say there?

[Joe Anderson]

Nothing. I don't know. I mean, right. I mean there's a lot of things. If I retire tomorrow, I'm going to spend way more money than if I was working.

[Big Al Clopine]

You would. I know that.

[Joe Anderson]

Right. Because spend your money, you spend your money on the weekends.

[Big Al Clopine]

And if you retire tomorrow, I will see you in three months. Al Kadamajabik probably three weeks. I'm with the, I'm with the one, the two year old and I can't do this.

[Joe Anderson]

Yeah. I'm going to say, you know what? One day I'm going to like go pound sand. I'm on here.

[Big Al Clopine]

So Rosie said, you know what, since Joe, you're staying home, I'm going to go back to work. Yeah, you're the.

[Joe Anderson]

She's working.

[Big Al Clopine]

I know, but she's going to go. She's got big. She's going big.

[Joe Anderson]

Huge.

[Big Al Clopine]

You're not going to see her much.

[Joe Anderson]

Yeah, she's going to travel. Yeah. I'd be miserable. I'd be a couch drunk or something. I don't know what the hell I'd do.

[Big Al Clopine]

Well, one good thing, you have a shorter life expectancy so you wouldn't run out of money.

[Joe Anderson]

Yeah, exactly, I would be. Oh, right. But at 40, I mean, right. I'm not a fire guy. I'm going to retire old or very old. I enjoy what I do. So, you know, but if, if you're like, man, that's so many years of. All right, well here, I'm going to travel. I'm going to do this. I'm going to. All of that stuff cost a lot of money. Yes, but I suppose if you're fired, you do all the coupon stuff too, Right. You probably get all the deals.

[Big Al Clopine]

Well, you do the last minute cruise thing where $10,000 cruise costs 1800.

[Joe Anderson]

Yeah. You go on Spirit Airlines.

[Big Al Clopine]

That's right. And you, and you smuggle in a thing of water.

[Joe Anderson]

Right. No, and I, I mean I don't travel that often, but there's. I gotta at least get leg room, you know, I'm, I'm a big guy.

[Big Al Clopine]

Well, what if you're shorter? You could get away with. I suppose you, you could. You'd have to get two seats. It would blow the whole thing.

[Joe Anderson]

Tis the season, Alan.

[Big Al Clopine]

It is. Love, Love this time of year.

[Joe Anderson]

No, just, it's just joyous, isn't it?

[Big Al Clopine]

Family time. Love puppies.

[Joe Anderson]

Oh my goodness.

[Big Al Clopine]

Hallmark movies.

[Joe Anderson]

Yeah. It's like I can only stand a couple. You know, I love the holidays and I like it and all, but it's like sometimes it's just too much.

[Big Al Clopine]

You've always told me you like Thanksgiving more than Christmas.

[Joe Anderson]

I'm a. I'm like a routine guy. You know what I mean? I like a routine. I get up early, I like to work out, I like to get my stuff. But then you get like these real long weekends.

[Big Al Clopine]

Yeah.

[Joe Anderson]

And the next thing you know, you know, I'm having a Coors light on a Wednesday morning. It's like, what the hell is going on here?

[Big Al Clopine]

Got it, got it. Okay. But anyway, so you need the structure.

[Joe Anderson]

I do. Yeah. Just that same.

[Andi Last]

So all the times that you mentioned couch drunks, you're actually talking about your potential future.

[Joe Anderson]

Yes, I dream about it every night. You got big plans for the holidays now?

[Big Al Clopine]

Staying local. How about you? Now you got.

[Joe Anderson]

Yeah.

[Big Al Clopine]

You got young kids.

[Joe Anderson]

I'm local. I'm just chilling.

[Big Al Clopine]

That's. That's always fun at Christmas.

[Joe Anderson]

Oh, yeah. Christmas time.

[Big Al Clopine]

Yeah.

[Joe Anderson]

My life has changed.

[Big Al Clopine]

You got. You have stockings of Santa Claus. Come and fill up the stockings.

[Joe Anderson]

Oh, God.

[Big Al Clopine]

Santa Claus. Eat the cookies.

[Joe Anderson]

And just a couple of years ago, I was right in town, just hanging out at bars, instant family. Now I'm dressed up as Santa Claus, going to bed at like 8:30 at night. I went to the Grand Hotel.

[Big Al Clopine]

Okay.

[Joe Anderson]

And did a little. They had a little ice skating rink.

[Big Al Clopine]

Okay.

[Andi Last]

Did you ice skate?

[Joe Anderson]

No, I did not. They had like. It was. There was.

[Big Al Clopine]

I would pay to see that.

[Joe Anderson]

It was really good areas for.

[Big Al Clopine]

For.

[Joe Anderson]

For children.

[Big Al Clopine]

When's the last time you ice skated?

[Joe Anderson]

I'm from Minnesota, Al, so I'm a hell of an ice skater.

[Big Al Clopine]

I'm sure you are.

[Joe Anderson]

My ice skating days were far. A few.

[Andi Last]

Did you play hockey at all?

[Joe Anderson]

No. I wish all my buddies did, but like my. Well, there was an ice rink right down the street from my house, but it was outdoors. Ice rink.

[Big Al Clopine]

Sure. And makes sense.

[Joe Anderson]

So all the guys would go and, you know, we would play boot hockey, which is, you know, hockey without ice skates. Or you would put on the skates, you know, so we would do a little bit of both. But I didn't have hockey skates. I had figure skates. No, but like the whole topic.

[Big Al Clopine]

Got it.

[Joe Anderson]

And like. And they were my dad's old ones or he bought them for me and I'm like, why? I don't want figure skates.

[Big Al Clopine]

That you could do a great circle toe pick.

[Joe Anderson]

You know, it was so embarrassing. So. Yeah, that was my.

[Big Al Clopine]

Did you wear an outfit?

[Joe Anderson]

No, no, didn't have an outfit. But yeah, I'm still scarred for life.

[Big Al Clopine]

Okay.

[Joe Anderson]

Yeah, I had a good friend from high school that almost played in the NHL. You know, I've been hung out with his buddies and a few of them.

[Big Al Clopine]

Could have got you.

[Joe Anderson]

Yeah. Gotten a show. Yeah, I'm a bigger guy. 6, 4, 2 and £20.

[Big Al Clopine]

You would have been imposing on.

[Joe Anderson]

Yeah, I would have been killing.

[Big Al Clopine]

Gotta get right in the net and knocked it right over to see it now.

[Joe Anderson]

Yeah. But no, my dad kind of blew that up with the, the figure skates.

[Big Al Clopine]

I did go ice skating and the, the Hotel Dell in Coronado. That was a. That was maybe three, four years ago.

[Joe Anderson]

I thought that was for kids. You're the only adult.

[Big Al Clopine]

I was older by 60 years.

[Joe Anderson]

Oh my God. Mommy, Daddy. Who's that creepy old man? He keeps talking about taxes. It's so weird.

[Big Al Clopine]

That's right. How's your 401k invested? Right.

[Joe Anderson]

Tell your parents to do a Roth conversion.

[Big Al Clopine]

Spend the Roth money, guard the Roth. I got a lot of words there.

[Andi Last]

Joe Anderson is a certified financial planner professional. Alan Clopine is a certified public accountant. These fellows are knowledgeable and experienced financial professionals. They're also human.

[Joe Anderson]

Not excited about this. Next question here.

[Big Al Clopine]

Big Al, it's two. It's a little bit more than two pages.

[Joe Anderson]

And it's when people try to be like cute and funny in their emails and I'm not a very good reader.

[Big Al Clopine]

And there's no capital letters and not too many periods. So good luck. Good luck on this one.

[Joe Anderson]

And I'm just going to read it how they wrote it. And you know, sometimes we get in trouble for doing that. Right. It's not my fault that people don't know how to write a standard email. I suppose we have to fix it up and fine tune it and put grammar in it.

[Big Al Clopine]

Well, I don't know, but we do prefer when it's a page or less.

[Joe Anderson]

All right, here goes nothing. Folks, I apologize in advance if I butcher the hell out of this. We got Roberto from Minneapolis, Minnesota. From the homeland.

[Big Al Clopine]

Yeah, There you go.

[Joe Anderson]

Well, that's why I'm reading this, Roberto, because you and I are brothers.

[Big Al Clopine]

You're probably at least cousins.

[Joe Anderson]

At least if he's from Minneapolis. All right. Love the show and very glad I stumbled on it. One of my favorite go to pods on cue. Jake, our Covid rescue lab. Akita Shepherd, American Pitbull mix. Also loves to take along on the journey while listening. Not to worry nor need to chug a lug Too many cool lattes to unwrap yourself from the axles or untwist your Tighty whities. Since I will not be asking about a Megatron barn door backyard doing. Oh wow. I could believe I got through that.

[Andi Last]

That was good. That was really good. I'm impressed.

[Big Al Clopine]

Now you're. Now you're.

[Andi Last]

Apparently he writes like you think.

[Joe Anderson]

Yeah, after listening to many shows, not sure if I can air them out. I talked to recently married Michael Chipperfield to do a free assessment thingy. After reviewing and chatting over our situation, he says we are mirandaring on the golden path to chilling. Couple of spit looksies is what we're asking for.

[Andi Last]

That was supposed to be meandering by the way.

[Big Al Clopine]

I like your body wondering Miranda ring mirandering.

[Andi Last]

I like that.

[Big Al Clopine]

Got to be the same meaning.

[Joe Anderson]

Have not done any type of convergence and CEO traditional IRA is an.

[Big Al Clopine]

Amalgamation.

[Joe Anderson]

Amalgamation of rollovers, crossovers, transfers, et cetera. In figuring out pro rata would probably cause us to drink more drink of choice. Preferably local brewed pilsner or a properly aged single barrel bourbon or good Napa cab or a sultry organ pinot or a gin and tonic or. Oh, geez.

[Big Al Clopine]

P.S.

[Joe Anderson]

All right. P.S. my God. And more importantly for Andy, congrats and hats off for the awesome ability and job at corralling these two cats on a regular basis. And hopefully that salary raising meeting turn out okay. Salute. Well, did you catch a question?

[Big Al Clopine]

No, there's no question.

[Joe Anderson]

No question.

[Andi Last]

It was. He was asking for a second opinion about whether or not Michael Chipperfield did a good job for him or if you've got any other suggestions.

[Big Al Clopine]

Well, we don't know what Michael Chipperfield told him. It's hard to answer. It says what? Looking for a spitball. Okay. On what? This is great. You did a good job saving.

[Andi Last]

Well, Michael said that they're on the meandering path. Meandering on the golden path to chilling. So would you agree?

[Big Al Clopine]

Well, yeah. Anyone that has this kind of income, this kind of savings, these kind of assets. Chillax, man.

[Andi Last]

So Joe, this is one of those emails where you'd say they just wrote in to brag.

[Joe Anderson]

Exactly. That's what Roberto did. He's like. And then he wanted to be funny by throwing out the chillaxin in the.

[Big Al Clopine]

When you were reading all the drinks. I was going back to the start where what's the question?

[Joe Anderson]

Like, what the hell, man? Yeah, I think you're good. I think you are good.

[Big Al Clopine]

What you really need, if you want to know, you need a full financial plan that charts this out from now because you're young. Chart this out to retirement Age and see, see how it works. 20 plus, 30 plus years and 40 years in retirement. Does this still work? That's what you really need.

[Joe Anderson]

Yeah. Hire Michael Chipperfield.

[Big Al Clopine]

Yeah, just get a. Get a professional opinion from an attractive cfp, I guess. Michael, account for this.

[Andi Last]

Now there's a quick and easy way to find out how long your money is likely to last in retirement with a complimentary financial blueprint courtesy of your money, you, wealth and Pure Financial advisors. Click the financial blueprint link in the episode description to get started. Input your details and this tool will analyze your current cash flow, your assets, your projected spending for retirement. It'll then calculate three scenarios to help you determine your probability of success. This detailed report even includes future taxes and actionable steps you can take now to achieve your retirement goals. Take control of your retirement future with a financial blueprint today. Click the link in the episode description to get started. Once you're armed with the information you need, consider meeting with one of the aforementioned experienced professionals on Joe and Big Al's team at Pure Financial Advisors for a financial assessment, either in person at one of our several offices around the country or just online via Zoom. The financial block blueprint and the human assessment are both free with the goal of educating and empowering you. The Pure team will help you develop a thorough financial plan that goes beyond the basics, offering guidance that addresses both your unique immediate needs and your long term retirement vision. At the end of the assessment process, you can decide whether Pure is a good match for your needs and what the next steps look like. Get your financial blueprint and learn more about Pure's financial assessment. Click the links in the episode description to get started.

[Big Al Clopine]

If you could get a lot of it, or even most of it at that age and have all that tax free growth, I personally wouldn't worry too much about the Oregon Tax.

[Joe Anderson]

Okay, Yeah, I wasn't sure where you're going with that, bud.

[Big Al Clopine]

Me neither.

[Joe Anderson]

You were like, well yeah, let's just assume that you're 70 and you're not living in Washington and moving to Oregon. It's vice versa.

[Big Al Clopine]

All right.

[Joe Anderson]

And let's just pretend you have a million doll. See, it's all these hypotheticals that have nothing to do with our boy Ron.

[Big Al Clopine]

But, but we more than Ron is listening to the show. So I'm giving more color here.

[Joe Anderson]

So Ron, let me, let me answer.

[Big Al Clopine]

Someone else's question and then I'll get to you.

[Joe Anderson]

Oh my God. I was like, oh, where's he going with this one? If you're buying an Annuity annuity.

[Big Al Clopine]

That's all, folks.

[Joe Anderson]

We're all done now.

[Big Al Clopine]

But in this case, the spousal benefit for child in care doesn't impact your benefits at all whatsoever.

[Joe Anderson]

That was pretty hard to follow.

[Big Al Clopine]

I know it was. I didn't even understand it.

[Joe Anderson]

I was saying it. It's like, it looks like you had like a mini stroke. We're kind of thinking about that. Let's see, who's that first?

[Big Al Clopine]

Yeah. You know when you go down a path and you go, I shouldn't have done that. That's too late.

[Joe Anderson]

It's way too late. So there's possible benefit. Blah, blah, blah, blah.

[Big Al Clopine]

I had it. I had to go way outside the box to get back to the box. Yes, I'm aware that that didn't make any sense. So you translated, you took a U.

[Joe Anderson]

Turn that you stayed at 360. So the spousal benefit on Social Security.

[Big Al Clopine]

Yeah. Let's see you do it.

[Joe Anderson]

You can't expect what the sponsor benefit is. I'm a minimalist.

[Andi Last]

That's all, folks.

[Joe Anderson]

Marble mouth is back. How are we all doing?

[Big Al Clopine]

Minimalists?

[Joe Anderson]

Thank you, sir.

[Big Al Clopine]

You're trying to say.

[Joe Anderson]

All right, yeah, I got this Celsius going. It's just making my delicious bananas the tiger's least. Okay, we have been to East Mount, East.

[Big Al Clopine]

Easternmost.

[Joe Anderson]

No, thank you. Easternmost point. Southernmost point in the westernmost point in the northernmost point in the lower 48 states. Okay, so he's been all over the U.S. also, we have swam in Atlanta, Pacific and Arctic oceans. The Arctic Ocean swim was after a 600 mile one way drive on a dirt road to Tukayaka.

[Big Al Clopine]

And that's in Canada.

[Joe Anderson]

It's a really nice place. I heard. Oh, boy. This is, this is. This is tough.

[Big Al Clopine]

Oh, he says, joe, can't wait until I hear you pronounced. Let me, let me try it.

[Joe Anderson]

All right, we got. Hi, Joe, Big Al. My question's about family benefits for Social Security. I've heard this topic addressed in some previous podcasts, but honestly, I felt that you phoned in your answers.

[Big Al Clopine]

We phoned it in.

[Joe Anderson]

Just phone.

[Big Al Clopine]

I was in Hawaii. I just phoned it in.

[Joe Anderson]

I was like, I could care less about this.

[Big Al Clopine]

If you have minor children, I think, and all the way up to full retirement age, I think. Is that how it goes? So in other words, if you're claiming.

[Joe Anderson]

Your benefits, you're phoning it in.

[Big Al Clopine]

I'm throwing it. Where's my lifeline?

[Joe Anderson]

Where's my lifeline? Claim your, your benefits early and you are still working. There's going to Be an additional reduction of those benefits as you work. So is that.

[Big Al Clopine]

Is that true for family benefits?

[Joe Anderson]

I have no idea. I wish you weren't going to ask me that.

[Andi Last]

Putting it in.

[Big Al Clopine]

That's why I asked the group.

[Joe Anderson]

Yeah, I'll figure that out in about 20 years.

[Big Al Clopine]

When it's important to you.

[Joe Anderson]

When it's important to me.

[Big Al Clopine]

Got it.

[Joe Anderson]

My wife is on ssdi. Oh, God. Okay, we got all sorts of acronyms here.

[Big Al Clopine]

Social Security, Disability Income.

[Joe Anderson]

All right. She will be fra.

[Andi Last]

Retirement age.

[Big Al Clopine]

Yeah. Full Retirement age. We should translate these.

[Joe Anderson]

Her SSDI will convert to F, R.

[Big Al Clopine]

B, Full Retirement Benefits Benefit in March. Got it.

[Joe Anderson]

Question. If he's already using these types of acronyms, I mean, got to know the answer.

[Big Al Clopine]

He's testing.

[Joe Anderson]

He's just testing us.

[Big Al Clopine]

He's testing me because it's to me.

[Joe Anderson]

Yes.

[Big Al Clopine]

I'm not sure I'm going to know the answer.

[Joe Anderson]

Does she have to withdraw her FRB in order to receive DRCs?

[Big Al Clopine]

What's a DRC?

[Joe Anderson]

That's a delayed Retirement.

[Andi Last]

Delayed Retirement Credit.

[Big Al Clopine]

My own personal thought is I'm not going to do something like this because I do believe in the viability only because we've had problems before and it's always been fixed. And I believe we have a vested interest as a country to fix it in the future.

[Joe Anderson]

Vote for Big Al 2024.

[Andi Last]

There you have it. 500 episodes of learning and Laughing on youn Money, you, Wealth. Obviously, this show cannot be a show without you. So keep sending in those questions, comments, and retirement spitball analysis requests. Click Ask Joe and Al on air in the episode description for Joe Anderson, cfp, Big Al Clopine, CPA and media producer Aaron Townsend. I'm executive producer Andi Last. I'll leave you with these final words and what one last ridiculous outtake. We'll see you next week for more retirement planning, investing and tax reduction. Made Fun on youn Money, you, Wealth.

[Joe Anderson]

Yeah, Andy, we're like a family.

[Big Al Clopine]

Yeah, we are.

[Joe Anderson]

Yeah.

[Andi Last]

And you are definitely like big brothers.

[Joe Anderson]

Yeah. We got Cousin Eddie in the back.

[Big Al Clopine]

How do you describe him?

[Joe Anderson]

We got Cousin Eddie, Aaron, in the back. We don't let him talk or to.

[Big Al Clopine]

Be seen, but he can talk. He just can't hear him.

[Joe Anderson]

Just can't hear him.

[Big Al Clopine]

Yeah, we hear him. That's enough.

[Joe Anderson]

All right, that's it for us. We're out of here. Appreciate everyone's emails and questions. Andy, wonderful job. Thank you as always.

[Andi Last]

Thank you.

[Joe Anderson]

And Big Al, good to have you back in studio.

[Big Al Clopine]

It was fun.

[Joe Anderson]

Aaron, terrible job. Cameras, the lighting did you want to walk in? You want to say hi? You want to get.

[Big Al Clopine]

Yeah, Aaron, walk in. No one has seen you. They've seen Joe and I and Andy. Come on. Come in right now so we can.

[Joe Anderson]

All right.

[Big Al Clopine]

What are you doing? Get it. Get over here. Wait, don't close the show down. Just. Just quite yet.

[Joe Anderson]

All right, there we go.

[Big Al Clopine]

Oh, yeah. You're in the dark.

[Joe Anderson]

He's our lighter. He's like headlight. Headlight. No, I'm just kidding. Engineer light's really good. Yeah, the light engineer is really killing it. It's all right. There you go. All right, that's it. We got to take a break or we're out of here. We'll see you next week. Chill's got your money. Well.

[Andi Last]

Here he goes.

[Big Al Clopine]

He's lost it. This is a derail.

[Andi Last]

I don't think I can even use this as a derail.

[Joe Anderson]

No way. We'll start over.

[Andi Last]

Yeah.

[Big Al Clopine]

You take the laughing part in.

[Andi Last]

Never seen people just laugh so silently.

[Big Al Clopine]

Just. These guys don't even know what they're laughing about.

[Joe Anderson]

Okay, okay, here we go. Okay. Sorry. Deep breath. Let's start over.

[Big Al Clopine]

Okay, we're not ready.

[Joe Anderson]

I think I. We got Rob from Morristown, New Jersey.

[Andi Last]

Wow, you actually pronounced the city right this time.

[Joe Anderson]

All right, we got Rob from Morristown, New Jersey. All right. Love your show. And you both are very funny. Oh, boy.

[Big Al Clopine]

At least we laugh at each other.

[Joe Anderson]

Oh, man, you're so funny. Alright.

[Andi Last]

Pure Financial Advisors is a registered investment advisor. This show does not intend to provide personalized investment advice through this podcast and does not represent that the securities or services discussed are suitable for any investor. As rules and regulations change, podcast content may become outdated. Investors are advised not to rely on any information contained in the podcast in the process of making a full and informed investment decision.