Kayla is torn between paying off a loan early or catching up on missed retirement contributions.
Josh wants to retire early and meets the threshold for zero capital gains taxes. Should he put all his retirement savings into a brokerage account? *Correction to the capital gains tax rate mentioned in Josh's question: The long-term capital gains tax rate for a married couple filing jointly is 0% if that couple's income is up to $89,250 in 2023, and up to $94,050 in 2024.*
An anonymous caller wants to know how to merge financial lives with her husband from another country.
Former financial planner Joe Saul-Sehy and I tackle these three questions in today’s episode.
Enjoy!
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Chapters:
00:00 - Introduction to Afford Anything Podcast
01:13 - Balancing Car Loan and Retirement Contributions
04:17 - Navigating Retirement Accounts & Prioritizing Retirement
12:45 - Debating Debt Payoff & Behavioral Finance
25:30 - Investment Mindset and Tax Flexibility in Retirement
33:17 - Discussing Marriage and Financial Profiles
35:23 - Merging Financial Lives and Post-Marriage Financial Plan
36:17 -Communication, Autonomy, and Joint Finances
37:59 - Constructive Communication & Preventing Financial Rifts
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