You've heard Joe and Big Al talk about the benefits of tax diversification in retirement. That is, having money in tax-deferred, tax-free, and taxable accounts. But what should you do if this tax triangle of yours is lopsided? Joe and our special guest co-host, Marc Horner, CFP®, spitball on this quandary for Rae and Roy in Central California, today on Your Money, Your Wealth® podcast number 544. Plus, do Rae or Roy need to get a part-time job? Also, "Elwood Blues" in Illinois would like to retire in two years, but is willing to go for 3 more to make his retirement plan work. Joe and Marc spitball on when "Elwood" can really put down that harmonica.Free financial resources & episode transcript: https://bit.ly/ymyw-544Complete the 8th Annual YMYW Podcast Survey by 5pm Pacific on August 31, 2025, for your chance at a $100 Amazon e-gift card! (secret password: ymyw)WATCH 15 Maneuvers to Duck an Unplanned Early Retirement Knockout on YMYW TVCALCULATE your free Financial BlueprintASK Joe & Big Al for your Retirement Spitball AnalysisSCHEDULE your Free Financial AssessmentLEAVE YOUR HONEST RATINGS AND REVIEWS on Apple PodcastsSUBSCRIBE or FOLLOW on your favorite podcast appJOIN THE CONVERSATION on YouTubeDOWNLOAD more free guidesREAD financial blogsWATCH educational videosSUBSCRIBE to the YMYW NewsletterTimestamps:00:00 - Intro: This Week on the YMYW Podcast with Joe Anderson, CFP® and Marc Horner, CFP®00:49 - Our Tax Triangle is Lopsided. Should One of Us Get a Part-Time Job? (Rae and Roy, Central CA)12:03 - Watch 15 Maneuvers to Duck an Unplanned Early Retirement Knockout, Calculate your Financial Blueprint, Schedule a Financial Assessment13:11 - I'd Like to Retire in 2 Years. Willing to Work 3 More to Make it Work (Elwood Blues, IL)27:10 - Next Week on YMYW Podcast: The One Big Beautiful Bill + More27:40 - YMYW Podcast Outro