Juan and Mary in Brooklyn are 49 and 48 with $2.2 million saved. Can Juan afford to retire early, or just walk away if he gets fired? And if they get divorced, yikes - but does the math still work? That's today on Your Money, Your Wealth® podcast number 573. But first, "Reuben Sailing Shoes" is 68, single, retired, and has $1.6 million saved, but he's never had a budget in his life. How much can he actually spend? "Leslie and Ben" are federal retirees in their seventies with great pensions and a mix of pre-tax and Roth savings, and "Mork and Mindy" in Delaware are retired with an annuity, a pension, Social Security, and $1.3 million in an IRA. Joe Anderson, CFP® and Big Al Clopine, CPA spitball on how Roth conversions and RMD timing can help both couples minimize taxes and make the most of what they've got. Free Financial Resources in This Episode: https://bit.ly/ymyw-573 (full show notes & episode transcript) Complete Roth Papers Package - free download: https://purefinancial.com/white-papers/the-complete-roth-papers-package/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-573  Retirement Course: Can You Hit a Hole in One? With PGA Pro Chris Riley - YMYW TV: https://purefinancial.com/ymyw/episodes/retirement-course-hole-in-one-pga-pro-chris-riley/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-573  Financial Blueprint (self-guided): https://bit.ly/PureFinancialBlueprint  Financial Assessment (Meet with an experienced professional): https://bit.ly/PureFreeAssessment  REQUEST your Retirement Spitball Analysis: https://bit.ly/AskJoeAndAl  DOWNLOAD more free guides: https://bit.ly/PureGuides  READ financial blogs: https://bit.ly/PureFinBlog  WATCH educational videos: https://bit.ly/PureEdVideos  SUBSCRIBE to the YMYW Newsletter: https://bit.ly/YMYWNewsletter    Connect With Us: Subscribe on YouTube and join the conversation in the comments: https://bit.ly/YMYW-YT  Subscribe or follow YMYW in your favorite podcast app: