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Joe Saul-Sehy, host of the top-rated personal finance podcast\xa0Stacking Benjamins joins Joe Anderson, CFP\xae and Big Al Clopine, CPA on Your Money, Your Wealth\xae podcast episode 80. Saul-Sehy talks about what investors or anyone interested in personal finance can learn from his unorthodox show focused on headlines and impressive guest perspectives. Joe and Big Al wrap up the show answering listeners personal finance questions. Original publish date November 5, 2016 (hour 2). Note that content may be outdated as rules and regulations have changed.

00:00 - Intro

02:29 - Start of Interview with Joe Saul-Sehy

03:41 - \u201cOur goal is headlines \u2013 it\u2019s a magazine-style show\u2026we have great discussions about current events, financial planning and making sure people have the type of great advice that\u2019s out there.\u201d

06:02 - \u201cThat\u2019s kind of how \u201cStacking Benjamins\u201d was born \u2013 it allowed me to talk about money in a way where we kind of learn through play.\u201d

08:05 - \u201cThere\u2019s all this noise going on \u2013 you\u2019ve got big media outlets with talking heads\u2026everyone is talking about what you need to do now, yet you know most of the time the thing you should do is absolutely nothing. Study after study shows that the thing a great advisor brings to the table is convincing you that holding the line is the perfect thing for you to do.\u201d

12:44 - \u201cWhen I was an advisor, every smart person that was a client of mine could have done my job on their own but they always went to an advisor to look over their shoulder.\u201d

15:12 - \u201cI found that the more blunt I got, and the more I challenged people about their thinking when I disagreed with it, the more they wanted to hire me. That\u2019s probably who you should be searching for when you\u2019re looking for an advisor.\u201d

16:00 - End of Interview with Joe Saul-Sehy

19:25 - \u201cWhat are some examples of a value-added tax?\u201d

21:26 - \u201cI am 60 years old and plan to retire at 67. I have a 403(b), a HSA, and a couple mutual funds, but I keep hearing I should start a Roth IRA. Why would I want to start a Roth on the home stretch?\u201d

24:30 - \u201cIf you\u2019re in a low tax bracket right now, you might even want to look at Roth conversions relative to your retirement. There a lot of things we\u2019d have to know about you to see if that\u2019s a good idea or not.\u201d

27:29 - \u201cHow much income can I make a year before my Social Security payments reduce?\u201d

30:23 - \u201cCan I apply to have 401(k) funds pay for a home purchase instead of an existing loan?\u201d