Talking Real Money - Investing Talk

In this edition: 0:39 Market Crashes and Personal Memories 5:05 Technology and the New Market Paradigm 7:34 The Real Estate Bubble of 2007 10:38 Predictions and the 2008 Financial Crisis 13:31 The Challenge of Predicting the Future 21:25 Year-End Money Moves to Consider 26:10 Evaluating Investments: Newsmax IPO Question 32:17 Social Security Strategies for Couples Learn more about your ad choices. Visit megaphone.fm/adchoices

On today's show: 1:26 Financial Advisor Red Flags 6:15 The Importance of Transparency 9:05 Trust Your Financial Advisor 10:48 Green Flags in Financial Advising 11:54 Avoiding Common Misconceptions 16:38 Bad Advice in Retirement Planning 19:01 Questions About Investment Strategies 25:15 Listener Questions and Answers 34:56 Upcoming Events and RetireMeet 2025 Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: 0:29 Understanding Interest Rates 3:00 The Housing Market Dilemma 5:58 Investing vs. Lifestyle Decisions 9:07 Emergency Fund Strategies 15:22 Exploring the TSP Changes 22:52 Fees and Fund Considerations 27:30 Balancing TSP and IRA Accounts Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's Q&A: 0:26 Starting with Successful Investing 3:35 Transitioning to Your Questions 4:45 Exploring Inflation and Purchasing Power 8:56 Navigating 401k Changes 13:50 Managing High-Cost Funds 17:31 Understanding ETFs vs. Mutual Funds Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: 1:17 Just Invest in Something 5:08 Portfolio Management Strategies 7:07 Insurance and Car Accidents 11:58 Emergency Funds in Retirement 12:54 Home Equity Considerations 23:46 Managing Debt and Savings 26:11 Retirement Planning Thoughts Learn more about your ad choices. Visit megaphone.fm/adchoices

In the first hour from Saturday's show: 1:31 Is Buffett Sends a Message? 18:20 The Perils of Timing the Market 19:42 The Mystery of Warren Buffett 20:04 Analyzing Investment Strategies 20:13 Understanding Portfolio Diversification 20:15 Managing Retirement Income 20:20 The Importance of Proper Planning 20:23 The Fight Against Financial Misinformation 20:33 Navigating Social Security Concerns 37:14 Preparing for the Future at RetireMeet Learn more about your ad choices. Visit megaphone.fm/adchoices

On today's show: 5:21 State of America's Wallet. 9:10 Credit Card Conundrum. 10:36 The Car Cost Crisis. 12:50 Housing Market Woes. 14:45 Future of Financial Advisors. 19:19 Navigating Advisor Changes. 25:28 Dividend Dilemma. 28:50 Understanding High-Dividend Stocks. Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's Q&A: 4:13 Non-Qualified Annuities Explained 9:37 Roth Contributions and Eligibility 12:01 Preparing for Retirement Gaps 16:48 Diversifying Your Investments Learn more about your ad choices. Visit megaphone.fm/adchoices

In the second past or our special edition: 0:27 Introduction to Myths and Mistakes 3:07 The Importance of Diversification 9:35 Debunking Investment Complexity 12:06 Understanding Risk in Investing 15:26 The Zero Sum Game Myth 17:42 Recap of Key Myths and Mistakes Learn more about your ad choices. Visit megaphone.fm/adchoices

In part one of our two-part special: 0:33 Introduction to Myths, Lies, and Mistakes 4:26 Myth One: I Got a Guy 5:21 Myth Two: The Future Can Be Predicted 11:00 Myth Three: Starting Too Late 14:47 Myth Four: Wealth Without Risk 19:02 Myth Five: Believing in Individual Stocks Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's episode: 0:32 American Dream of Home Ownership 3:36 Renting vs. Owning 7:40 The True Cost of Homeownership 12:22 Real Estate as an Investment 14:57 Inheriting Retirement Savings 16:20 Questions from Listeners 18:57 Building Wealth Sensibly Learn more about your ad choices. Visit megaphone.fm/adchoices

To start a new week: 0:27 Safe Investments Unveiled 1:16 Meme Stocks and Market Risks 3:18 The Fragility of Commercial Real Estate 5:27 The Illusion of AAA Ratings 7:52 Investing Beyond the Illusion of Safety 11:32 The Dangers of Chasing Yield 12:41 Financial Planning vs. Target Date Funds Learn more about your ad choices. Visit megaphone.fm/adchoices

Here are this Fridays Qs and As: 2:07 Converting Traditional IRA to Roth 7:32 Simplifying Financial Jargon 10:45 Roth 401k Allocation Advice 13:53 Evaluating the Stash App Learn more about your ad choices. Visit megaphone.fm/adchoices

In This Podcast: 0:29 Latest Phone Scam 2:24 Connections Between Money and Mental Health 6:46 Understanding Antidepressant Trends 9:23 Media's Role in Financial Anxiety 10:14 The Importance of Keeping a Journal 11:21 Long-Term Thinking for Financial Health 14:01 Homeowners Association Woes 14:36 Managing a 401k Profit Sharing Plan 18:41 Diversifying Bond Investments Learn more about your ad choices. Visit megaphone.fm/adchoices

On the second half od Saturday's radio show: 2:20 The Smarmy Side of Financial Advice 3:20 Trust Washing and Ethical Standards 4:58 Paying for Credibility 7:01 Finding the Right Financial Advisor 10:31 The Importance of Fiduciaries 11:56 Checking Disciplinary Histories 14:09 Creating Income from Investments 18:16 Bond Ladders Explained 19:54 Health Issues and Retirement Thoughts 21:05 Inheriting Stock Portfolios 32:11 Evaluating Inherited Stocks 33:39 Vanguard's Big Changes Learn more about your ad choices. Visit megaphone.fm/adchoices

In this first hour of Saturday's show: 1:23 Game Time Decisions 3:16 The Impact of Sports Betting 5:10 Gambling vs. Investing 8:47 The Appeal of Instant Gratification 10:37 The Risks of Individual Stocks 21:00 Home Bias in Investing 23:19 The Dangers of Company Loyalty 30:06 Evaluating Robo-Advisors 33:26 Charitable Giving Strategies Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's episode: 0:26 40 Years of Thick Skin 2:11 Worst Reviews Uncovered 5:18 Complexities of Social Security 13:01 The Close of the Reading 14:10 Economic Landscape Discussion 17:37 Look at All 401k Fees Learn more about your ad choices. Visit megaphone.fm/adchoices

Please note that there will be no 11/1/24 Q&A episode. Don is out of commission for a few days. In Thursday's episode: 0:29 Understanding Financial Professionals 2:42 Choosing the Right Advisor 4:40 Types of Financial Compensation 6:49 Distinguishing Financial Advisor Roles 9:54 The Importance of Fiduciaries 11:48 Avoiding Common Pitfalls 15:15 Questioning Retirement Strategies 20:44 Evaluating Investment Guarantees 21:49 Comparing Investment Options Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: 0:59 A Double Dipping Advisor 3:41 The Flaws of High Fees 9:01 Understanding Investment Classes 15:12 Simplifying Investment Strategies 19:40 The Burden of Household Debt 21:49 The Psychology of Debt 24:29 The Costs of Luxury Cars 27:59 Considering Roth Conversions Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: 3:22 The Pension Predicament 4:42 Retirement Funding Choices 5:10 Historical Perspective on Retirement Plans 7:57 Today’s Retirement Landscape 10:07 Future of Pensions 14:03 No Guarantees in Retirement 14:34 Importance of Retirement Planning 15:54 Listener Question: 401k Strategies 19:37 Halloween Spending and Traditions 24:51 Cost of Halloween Treats 28:15 Candy Industry Insights 30:45 Fidelity ETF Discussion Learn more about your ad choices. Visit megaphone.fm/adchoices

On Today's Show: 0:29 Crypto Internet Dirt Bags. 4:22 Crypto Scams and Market Warnings. 8:11 Advertising and Podcast Integrity. 10:40 Bitcoin Predictions and Speculations. 12:58 Social Security Strategies and Timing. Learn more about your ad choices. Visit megaphone.fm/adchoices

On Today's Q&A: 1:30 Bond Investment Questions 6:00 Understanding Bond Market Fluctuations 9:30 Schwab Intelligent Income Explained 12:09 Transitioning to Vanguard Roth IRA Learn more about your ad choices. Visit megaphone.fm/adchoices

From Saturday's Show, Hour Two: 1:28 Market Shifts and Inflation Realities 3:23 Real Rate of Return Explained 5:10 Listener Call: Retirement Investment Strategies 8:07 Converting IRAs and Tax Planning 10:38 Social Security Decisions and Strategies 13:48 The Cost of Waiting for Social Security 15:56 Understanding Contingent Deferred Annuities 18:35 High Fees in Complex Annuities 19:58 Annuity Products and Their Risks 21:59 Listener Call: Inheriting Money and Risk 24:44 Risk Profile vs. Risk Tolerance 27:28 Evaluating Charitable Organizations 31:04 Year-End Giving Strategies 33:50 The Importance of Charity Transparency 37:07 Investment Fund Comparisons Learn more about your ad choices. Visit megaphone.fm/adchoices

Here is Saturday's show, Part One: 1:22 The Bull Market Anniversary 1:50 Understanding Market Fluctuations 5:28 The Role of Diversification 12:37 The Truth About Financial Advice 17:20 Critique of Robert Kiyosaki 20:55 Inherited Roth 401k Options 24:55 Listener Investment Success Story 29:16 The Importance of Diversification 30:58 Exploring Market Timing and Performance Learn more about your ad choices. Visit megaphone.fm/adchoices

This week: 2:42 Exploring 529 Plans and Retirement Strategies 4:17 Merch and Home Investments 5:26 Clarifying Roth IRA Rules 7:38 Advanced Tax Planning Insights 11:13 Evaluating Reverse Mortgages 13:56 Assessing Financial Strategies Learn more about your ad choices. Visit megaphone.fm/adchoices

From the second half of Saturday's show: 0:28 Death Insurance: A Necessary Discussion 8:02 The Case Against Whole Life Insurance 9:53 The Ignored Mid-Cap Index Funds 11:45 Transitioning to Bonds: When Is Right? 18:45 Evaluating Real Estate Investments 22:23 Florida Condo Market Changes 22:37 Understanding Investment Recommendations 33:46 Retirement Funds: Where to Start? Learn more about your ad choices. Visit megaphone.fm/adchoices

From last Saturday's radio show: 5:16 Hurricanes and the Stock Market 13:03 Predicting Markets vs. Hurricanes 15:33 The Role of Luck in Investing 20:27 Understanding Bid-Ask Spreads 24:43 Market Orders Explained 34:03 Portfolio Management Strategies Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's holiday shortened week episode: 0:03 The Argentinosaurus of Investing 2:04 Can AI Predict Market Movements? 7:23 Will AI Outperform Index Funds? 11:29 The Rise of AI in Finance 14:40 Strategies for Your Brokerage Account 20:01 Final Thoughts on AI and Investing Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's Q&A: 3:54 Question on 529 Plans 5:15 401k Considerations 6:57 Retirement Saving Strategies 9:46 ETFs and Fair Valuation Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's show: 2:07 The Rise of Exchange-Traded Funds 4:20 Active Management vs. Passive Strategies 6:40 Choosing the Right Funds 9:06 The Performance of Popular ETFs 9:50 Trends in ETF Closures 11:18 Listener Questions Begin 14:56 Navigating 403B Fund Options 16:59 Mortgage Refinancing Considerations Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's podcast (from Saurday's show): 5:54 Second Opinions Matter 7:07 401k Myths and Realities 9:54 Diversifying Investments 15:10 Safe Investment Strategies 18:40 The Future of Retirement 22:57 Social Media and Finance 28:10 Understanding Hodgepodge-itis 29:28 Rental Income Insights 32:17 Roth Conversion Strategies Learn more about your ad choices. Visit megaphone.fm/adchoices

From the Live Saturday Show: 0:03 Asheville Flooding Update 2:52 Introduction to Investing 6:29 The Pitfalls of Sector Investing 10:25 Importance of Diversification 14:47 The Role of Market Safety 17:44 Understanding M1 Finance 20:31 Critique of Private Credit 25:54 Risks of High-Yield Investments 30:31 Academic Perspectives on Alternatives Learn more about your ad choices. Visit megaphone.fm/adchoices

We start the week with: 0:04 Stock Picking Realities 7:33 Retirement Accounts and Health Savings Accounts 8:56 Living Abroad in Retirement 11:34 Experiences in Chattanooga 14:20 Set It and Forget It Funds Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions answered about: 3:58 Retirement Contributions and Strategies 6:18 Selling the Airstream: A Personal Update 7:53 Roth IRA Questions Answered 11:12 Trusts and Estate Planning 14:42 Complex vs. Simple Investment Strategies Learn more about your ad choices. Visit megaphone.fm/adchoices

On today's show: 0:04 Social Security Decisions 8:49 Investment Strategies for Retirement 9:07 Roth IRA Conversion Insights 14:30 Exchange-Traded Funds Explained 17:46 Closing Remarks and Resources Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's edition of TRM: 1:21 Interest Rate Changes and You 20:42 Inheriting and Managing Stocks 23:47 Advice Sources in the Digital Age 28:59 Understanding Market Reactions 35:45 The Reality of Investment Promises 36:44 Stock Market Speculations and Risks Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's show: 6:18 The Crystal Ball Challenge 10:03 Predictions and Market Efficiency 14:11 Reflections on Market Predictions 18:20 The Nature of Financial Forecasting 27:18 Role Models in Investing 35:04 International Stock Fund Recommendations Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's edition: 0:04 Introduction to Financial Types 2:43 Hedge Funds and Their Performance 5:22 The Illusion of Special Investments 5:51 Smart Investing Without Being Special 11:19 Questions from Listeners 14:19 The Fallacy of Predicting the Future Learn more about your ad choices. Visit megaphone.fm/adchoices

It's Q&A Day: 4:20 401k and Retirement Guidance 6:56 Investment Decisions with Real Estate 9:16 Risk Management in Business Ventures 11:59 Small Cap Value Allocation 16:47 Diversification with Small Cap Growth 18:26 Emerging Markets in Investment Strategy Learn more about your ad choices. Visit megaphone.fm/adchoices

In this podcast: 0:04 Remembering Bob Brinker 2:17 Hot Investments Today 7:32 Thematic Investing Challenges 8:22 Timing the Market Dilemma 12:18 The Dollar's Future 14:40 AJ's Financial Questions 20:24 Looking Ahead to Retirement Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's edition: 1:05 Misleading Money Media 2:47 Who Needs Life Insurance? 9:40 Annuity Sales Grew 11:03 Move to a TAP Annuity? 19:31 How Long Will You Live? 25:22 Buy Bitcoin to Afford a Home? 35:17 Small Cap Annual Returns Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's show: 0:01 The Federal Reserve's Role 5:06 Interest Rates and Their Impact 9:33 The Confusion of Rate Cuts 14:16 The Risks of Market Timing 15:34 The Danger of Misinformation 20:53 Meme Stocks and Their Longevity 25:11 Understanding Palantir 27:06 Social Security Decisions 33:34 The Importance of a Financial Plan Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: 2:44 The Rise of Investment Funds 6:17 The Dangers of Single Stock ETFs 14:07 Understanding 1031 Exchanges 20:39 Engaging with Our Audience 22:12 The Debate on Active Bond Management 27:03 The Challenges of Active Fund Management 35:55 Navigating the Market Landscape Learn more about your ad choices. Visit megaphone.fm/adchoices

In this exciting edition: 0:03 Introduction to Financial Normalcy 3:50 The Retirement Worry 6:28 The Gray Area of Investing 13:23 The Importance of a Financial Plan 21:03 Portfolio Questions and Strategies Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Q&Apisode: 0:04 Stock Market Insights 3:05 Questions from Listeners 3:31 International Investment Concerns 8:45 Portfolio Housekeeping 11:53 Charitable Distributions Explained 14:35 401(k) Allocation Strategies Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, we discuss: 5:34 The Case Against the Penny 7:12 Daylight Savings Time Debate 8:27 Worthless Financial Instruments 11:24 The Cryptocurrency Conundrum 13:14 Rollover Strategies Explained 23:00 The Weirdness of Today’s World Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: 1:54 Election Investing and Other Gambling 6:40 Understanding Financial Futures 14:32 Navigating Roth IRA Withdrawals 20:16 The Importance of Financial Planning 26:53 Pay Yourself First 28:57 Target Date Funds Explained 38:25 Transitioning to Vanguard Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: 1:29 The High Price of High Dividends 18:35 The Importance of Staying Invested 21:04 Market Fluctuations and Trading 29:08 Understanding Asset Allocation 31:56 The Value of Asset Location 35:39 Rebalancing for a Better Portfolio Learn more about your ad choices. Visit megaphone.fm/adchoices

To start the week we tackle: 0:03 Election Biases and Money 2:17 Overcoming Recency Bias 3:34 Strategies Against Bias 6:42 Understanding Market Cycles 11:22 International Investment Options 13:30 Listener Questions and Insights Learn more about your ad choices. Visit megaphone.fm/adchoices

In the shortest Friday Q&A show ever: 2:20 Retirement Lump Sum Concerns 4:28 Transitioning Investment Accounts 6:58 Disclaimers and Financial Advice Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode we discuss: 3:17 The Illusion of High Returns 6:23 The Importance of Second Opinions 20:42 Charitable Giving Strategies 24:04 Transitioning from Real Estate 27:20 Tackling Hodgepodge-itis 35:25 The Role of Financial Planning Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, We explore the tip request explosion in America. We discuss the stock markets' recent performance. A caller shares his thoughts on retirement. How should twenty-somethings invest for retirement? Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's post-holiday episode: 2:42 Preparing for Retirement: Key Considerations 8:54 The Importance of Professional Financial Help 10:58 Embracing Flexibility in Retirement Planning 15:29 Debating Gold as an Investment 15:45 Target Date Funds: Pros and Cons 19:19 Engaging Listener Questions 21:28 A Funny Encounter with AI Learn more about your ad choices. Visit megaphone.fm/adchoices

Topics of today's questions: 2:14 Long-Term Care Insurance Insights 14:51 Evaluating ETFs for Downside Protection 18:25 Managing Debt with HELOC Strategies 23:36 Portfolio Management for Retirement Learn more about your ad choices. Visit megaphone.fm/adchoices

This edition's discussion: 3:08 The Importance of Rebalancing 6:40 Understanding Risk and Volatility 12:13 Inherited Wealth Decisions 15:29 Comparing Exchange-Traded Funds 20:05 The Future of Investments Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: 1:36 Creative Fear-Mongering Editing 11:28 Fund Recommendations and Confusion 14:30 Clarifying Financial Advice 20:36 Investment Education for Young People 21:06 Personal Finance Adventures 26:04 The Luck of Investing 27:08 Understanding Hodgepodge-itis 36:04 Navigating Complex Investments Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: 0:04 Financial Exorcism 5:09 Index Fund Realities 15:03 Understanding Market Behavior 21:22 Navigating Retirement Challenges 23:30 Managing Unexpected Wealth 28:20 Lazy Portfolio Strategies 34:17 Healthcare Solutions for Early Retirees 40:52 Behavioral Investing Insights Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special Q&A episode: 5:52 Listener Questions Begin 7:53 Paying Off Debt vs. Investing 8:43 Retirement Savings Strategies 10:21 Employee Stock Purchase Plans 14:37 Risk Management in Retirement 16:10 Finding Purpose in Retirement 16:33 Building a New Home 22:22 Financing vs. IRA Withdrawals 23:50 HSA vs. Roth Contributions Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: 2:35 The Bond Debate 5:07 Alternatives to Bonds 6:47 Evaluating Long-Term Investment Options 9:56 Listener Questions Begin 16:39 Financial Decisions and Strategies Learn more about your ad choices. Visit megaphone.fm/adchoices

From last Saturday's radio show: 1:23 Understanding Investment Scams 4:58 Protecting Your Identity 7:25 The Downsides of Credit Freezing 9:04 Importance of Two-Factor Authentication 10:02 Roth Conversion Strategies 12:36 Navigating Social Media Confusion 15:11 The Model Military Aircraft Museum 17:21 Analyzing ETF Recommendations 22:15 Simplifying Investment Strategies 27:39 The Role of a Fiduciary Advisor 33:35 Tailoring Financial Advice for Pilots 35:07 Security for Social Security Numbers Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Tom and Don discuss: 5:27 Tech Wonders and Real Estate 13:47 The Changing Landscape of Real Estate 21:14 Navigating Financial Security 21:34 Listener Questions and Insights 26:55 Understanding TIPS and Bonds 28:01 The Importance of Financial Clarity 36:55 Economic Insights and Market Behavior 37:21 Apple’s Vision Pro Experience 40:14 Selling the Airstream: A New Adventure Learn more about your ad choices. Visit megaphone.fm/adchoices

As Don was actually vacationing, here is last Friday's episode a few days late: 4:06 SIPC Insurance Explained 6:43 Fiduciary Duty and Insurance Companies 8:23 IRA vs. 401k Protection 10:23 Seeking Source Material 14:17 Finding the Podcast 16:36 Connecting with Advisors Learn more about your ad choices. Visit megaphone.fm/adchoices

As Don was actually vacationing, here is last Thursday's episode a few days late: 1:03 The Money Talk Dilemma 1:45 Power Dynamics in Financial Discussions 2:01 Evolving Perspectives on Money Talks 3:08 Historical Context of Money Discussions 4:14 Maintaining Financial Independence 5:05 Joint or Separate Bank Accounts? 6:04 Initiating Money Conversations 7:13 Frequency of Money Talks 8:00 Long-Term Financial Planning 10:07 Dealing with Fixed Incomes in Retirement 11:03 Setting Financial Approval Limits 11:35 Seeking Professional Financial Guidance 12:49 Psychological Impact of Financial Control 14:08 Pitfalls of Structured Notes 17:28 Maximizing Saving Opportunities 18:06 Legal Recourse for Mismanaged Investments 20:25 Seeking Financial Assistance Learn more about your ad choices. Visit megaphone.fm/adchoices

As Tom and Don meet up at Lake Chelan, they discuss: 2:58 Index Fund Disadvantages 13:56 Market Decline in September 21:47 Avoiding the Herd Mentality 27:40 Overcoming Hodgepodge-itis 36:26 Airstream Adventures 40:31 Meet with an Advisor Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Tom and Don are in the same room discussing: 6:38 Securing Your Financial Future 10:27 Understanding Risk Tolerance 14:22 The Insurance Industry's Self-Interest 16:50 Bonds: From Bad to Good 20:51 The Big Moving Sale: Silver Bullet Airstream 21:38 The Legend of the Chelan Sea Monster 23:23 Retirement Portfolio Diversification 27:24 Overcoming Hodgepodge-itis in Investments 28:26 Managing Fear of Market Volatility 32:32 Importance of a Holistic Financial Plan 38:55 Tailoring Investments to Financial Needs Learn more about your ad choices. Visit megaphone.fm/adchoices

This week Don takes questions about: 2:00 Investing for Grandson 4:14 Evaluating 401k Investments 6:50 Revising Investment Portfolio 8:10 WEP and GPO Discussion 19:34 Small Cap Value Index Funds Learn more about your ad choices. Visit megaphone.fm/adchoices

In another traveling episode, we discuss: 1:01 Retirement Savings Importance 2:10 Court Ruling Impact 3:59 Common Retirement Mistakes 6:25 Failing to Maximize 401k Benefits 8:19 Borrowing from 401k Risks 10:12 The Importance of Asset Allocation 11:17 Traditional vs. Roth 401k Considerations 13:44 Financial Planning Importance 14:33 Variable Annuities Dilemma 17:33 Equities in Short-Term Portfolios Learn more about your ad choices. Visit megaphone.fm/adchoices

Don joins Tom from a dairy farm in Elk, Washington to explore the history and structure of closed-end funds. They discuss a recent fund by Bill Ackman, highlighting high fees compared to ETFs. Listeners seek advice on simplifying their portfolios with recommended funds like AVUV, AVGE, and VT. Don and Tom suggest allocation strategies based on risk tolerance and financial goals, stressing the importance of comprehensive planning with varied income sources. The conversation shifts to retirement planning, emphasizing the need for long-term strategies considering life expectancy and financial dynamics for couples. Don addresses differences in retirement perceptions between genders. The episode wraps up with Tom’s corny cow-themed jokes. Learn more about your ad choices. Visit megaphone.fm/adchoices

Don and Tom from "Talking Real Money" talk about the end-of-the-week stock market decline and put equity investing in perspective. Then they discuss recent changes in retirement savings plans. They mention that catch-up contributions for those making over $145,000 a year will now have to go into Roth 401ks instead of traditional ones. They also touch on no more required minimum distributions (RMDs) from Roth 401k plans and new options for Roth contributions in SEP IRAs and simple IRAs. They note changes in penalties for missed RMDs and other updates for retirement planning in 2025. They emphasize the importance of diversification and sticking to a long-term investment strategy, despite fluctuations in the market and new regulations. Learn more about your ad choices. Visit megaphone.fm/adchoices

Don's taking your questions as he sits in Montana for a moment: 2:51 Simplifying Investment Management 10:49 Choosing the Right Bonds 13:14 Tax Implications of Selling Property 16:55 Establishing a Trust for Inheritance 17:52 Lump Sum vs. Monthly IRA Contributions Learn more about your ad choices. Visit megaphone.fm/adchoices

As Don continues to traverse the country, he and Tom talk about: 0:04 Nearing Normalcy 2:21 Special Investments Not So Special 4:11 The Top 10 Investments 4:53 Investing in Crypto 7:39 Trouble with Special Investments 11:15 Fees and Higher Costs 12:47 Ignoring Risky Investments 16:42 Career Change Advice Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Don is dealing from Deadwood, South Dakota: 2:05 Answering Money Questions on the Move 11:48 Investing Dilemma: What to Do with $50,000? 15:13 Overcoming Hodgepodge-itis 20:13 Annuitizing Annuities: A Dubious Deal 26:21 The Risks of Annuities and Index Funds 35:09 Dangers of Misguided Advisor Recommendations 37:17 Red Flags in Investment Advice Learn more about your ad choices. Visit megaphone.fm/adchoices

Don keeps traveling west as we discuss: 2:11 Change in Location, Change in Discussion 3:19 Fallacies of the Past 4:22 Social Security Beliefs 6:31 Misconceptions about Equity Returns 9:10 Misconceptions about Indexing 12:06 The Persistence of Myths 18:45 Complexity vs. Simplicity 29:23 Home Team Bias 35:25 Cicadas and Misunderstandings 37:46 Gracious Midwest Visitors Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Q&A episode: 0:04 The Shiny Object Syndrome 1:10 The Top Stock Funds 3:46 Lessons from Janus Funds 5:40 Roth IRA Contributions Dilemma 8:30 Considerations for Traditional IRA 9:06 Inherited 401ks and IRAs 13:34 401k Match vs. Traditional IRA 16:31 Don't Miss Out on Free Money Learn more about your ad choices. Visit megaphone.fm/adchoices

Wes Crill from Dimensional Funds joins us to discuss: 1:47 Election Anxiety 3:51 Presidential Concerns 6:03 Market Concentration 7:37 Diversification Dilemma 10:15 Small Cap Superiority 10:56 Global Market Balance 14:18 Rebalancing Challenge 16:10 New Market Highs 17:18 Equity Portfolio Strategy 23:43 Crypto Curiosity Learn more about your ad choices. Visit megaphone.fm/adchoices

Tom meets Don and listeners in Madison, Wisconsin: 0:35 Welcome to Talking Real Money live from Goodland Park 8:19 The insurance industry's challenge with transparency 12:34 The importance of recognizing ethical financial advisors 24:19 The importance of financial literacy for investing 31:26 Making informed decisions about high-interest savings accounts 36:13 Wrapping up the show in Madison, Wisconsin Learn more about your ad choices. Visit megaphone.fm/adchoices

Tom meets Don on the road trip in a park in Madison, Wisconsin: 0:04 The Corn Chronicles 1:33 Ethanol Insights 5:31 Financial Decisions 7:32 Risky Yields 10:44 Insurance Insights 13:06 Too Good to Be True 17:00 Retirement Dilemma 25:05 Portfolio Simplification Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Q&A session: 0:07 Die with Zero concept and spending for experiences 1:37 Audience member's humorous desire for a bounced check 9:22 Bill Perkins' extravagant birthday celebration and giving away wealth 11:19 Importance of enjoying life and family experiences 13:53 Valuable life lessons and considerations on money management 17:22 Avoiding risky investments when saving for short-term goals 18:36 Precautions and considerations for Roth conversions 20:25 Impact of Roth conversions on Social Security and taxation Learn more about your ad choices. Visit megaphone.fm/adchoices

Tom is back for a new episode featuring: 0:04 Welcome Back Banter 5:01 Shifting Investment Trends 7:13 Generational Investing Shifts 12:27 The Pitfalls of Trading 15:29 VTWAX vs. VT 17:59 Asset Allocation Adjustment 19:36 Advisor Interview Form Review Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's episode: 3:31 The Dow and Small Company Stocks 6:37 The Value in Small Cap Investing 13:01 Beware of Gimmickry in Investing 15:06 Understanding Risky Investment Strategies 21:09 Get a Second Opinion for Your Financial Future 27:42 Overcoming Hodgepodge-itis in Your Portfolio 36:44 Recommendations for Small Cap Value Funds Learn more about your ad choices. Visit megaphone.fm/adchoices

In what was supposed to be the Tuesday podcast: 1:46 The Truth About Annuities 5:37 A Bright Financial Future 6:25 Financial Decisions Made Easy 6:43 Slamming the Insurance Industry 7:03 Properly Placed Annuities 7:16 Beware of Variable Annuities 16:52 Basket Portfolios and ETFs 27:33 Overcoming Hodgepodge-itis 30:43 Prioritizing Financial Goals 35:14 Universal Life Insurance Dilemma 36:41 Summer Adventures and Updates Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Q&Apisode: 0:04 On the Road Again 5:24 Planning for Retirement 8:58 Handling Inherited Accounts 13:08 Maximizing Retirement Savings 14:24 Balancing Investment Focus 18:48 Role of Real Estate in Portfolio Learn more about your ad choices. Visit megaphone.fm/adchoices

Joe Saul-Sehy from Stacking Benjamins joins Don again to discuss: 3:09 Financial Planning Teaching Methods 8:23 Taxation and Financial Planning History 12:25 Efficacy of Fee-Only Planners 16:58 Transition to Lower Commission Annuities 21:10 Portfolio Analysis and Index Fund Consideration 26:54 Stoicism and Investing Philosophy 29:06 Road Trip Update Learn more about your ad choices. Visit megaphone.fm/adchoices

Another episode on the road: 0:03 Bad Year for Stock Pickers 3:24 Property Value and Lease Analysis 4:35 Triple Net Lease Concerns 5:19 Seeking a Second Opinion 5:31 Fiduciary Advisors at Apella 6:18 Creating a Bright Financial Future 13:17 Starting a Retirement Plan 15:02 Retirement Planning for Contractors 25:24 Reality Radio and Index Funds 27:03 Treating Hodgepodge-itis 28:44 Retirement Planning for Special Needs Children 37:27 Diversification with Vanguard Learn more about your ad choices. Visit megaphone.fm/adchoices

As Don continues his travels, we discuss: 0:03 On the Road Again 5:41 Berry Talk 8:11 Financial Philosophy 12:39 Protecting Your Investments 20:56 Family Inheritance Dilemma 24:48 Setting Expectations 27:36 Overcoming Hodgepodge-itis 33:53 Portfolio Allocation Concerns 36:58 Banking Fees Deception Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Q&A episode: 1:49 The Dangers of Following Market Trends 4:27 Making Decisions Based on Future Feelings 4:58 Investing for Yourself, Not the World 5:19 Welcoming Roxy Butner to the Studio 5:31 Question from Jane about Robo-Advisors 10:24 Estate Planning and Trusts 13:35 Exploring Annuities in Retirement Accounts 18:25 Retirement Planning with Thomas from New Jersey 25:39 Importance of Financial Planning in Retirement Learn more about your ad choices. Visit megaphone.fm/adchoices

Another exciting episode from the mountains of North Carolina: 0:03 Introduction to the Journey 2:40 Looking for exciting investments? 7:45 Importance of Seeking Second Opinions 9:23 Retirement Planning and Investment Allocation 11:05 Sustainable Withdrawal Rate in Retirement 21:43 Investing Should Be Boring 24:32 Discussion on Avoiding Capital Gains Taxes 28:09 Seeking Treatment for Hodgepodge-itis 34:22 Push for Consumer-Centric Financial Industry 38:25 Challenging Live Show Amidst Rainstorm Learn more about your ad choices. Visit megaphone.fm/adchoices

Here's the first true "On the Road" edition: 0:04 On the Road Woes 4:09 Temptation of the S&P 500 13:25 Technical Challenges Resolved 14:24 The Dumb Duo of Investing 14:56 Investment Horrors Unveiled 15:33 Real Estate Syndicates Warnings 25:22 Portfolio Purpose Planning 29:46 Avoiding High Fee Traps 34:18 Great American Road Trip Ahead Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Don and Joe Saul-Sehy from Stacking Benjamins as they discuss: 0:04 The Secret Coup 1:27 Stacking Benjamins 3:07 The FIRE Movement 9:18 Work and More 12:22 Retirement Realities 14:56 Retirement Reimagined 17:39 The Power of Need 19:05 Unveiling the Box 21:53 Understanding Complexity 25:03 Analyzing ETF BOXX 26:25 The Greatest Money Show on Earth Learn more about your ad choices. Visit megaphone.fm/adchoices

Don is on the road, so Friday's Q&A is a bit late: 1:28 Maximizing Financial Aid Strategy 4:06 Investing in Individual Stocks 7:49 Converting 401k to IRA 11:37 Creating a Glide Path Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: 0:03 Slow Roll into Retirement 2:38 Working Beyond Retirement Age 4:38 Managing Retirement Portfolio Successfully 7:48 Housing Dilemma 9:18 Mutual Funds vs. ETFs 14:34 Owning Multiple Houses 16:46 Long-Term Housing Plans Learn more about your ad choices. Visit megaphone.fm/adchoices

In this edition: 13:09 Exploring Retirement Costs Across the Country 20:44 Importance of Second Opinions in Investing 29:31 Exploring Anti-ESG Funds 35:02 Disputing Charges on Credit Cards Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: 1:34 Don's Dumb Duo 5:23 Get a Second Opinion 8:40 The Value of Gold 11:43 Financial Planning Challenges 14:55 Roth Conversions Advice 16:57 Schwab and Fidelity Comparison 19:50 Clarification on Bond Holdings 22:06 After-Tax Contributions in 401k 29:46 Disagreement on Alternative Investments 33:56 Caution on Private Credit Investments 37:08 Risks of Alternative Investments Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's show: 0:04 Slipping into the Matrix 5:01 The Fascination with Market Capitalization 9:45 The Importance of Diversification 13:14 Understanding Pension Plan Options 16:59 Annuities vs. IRAs: Which is Better? 19:16 Opportunities for Financial Guidance Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Question and Answer Episode: 0:04 The Gold Rush: Physical vs. Financial 1:18 The Speculation of Gold 3:05 Investing Insights: Stocks vs. Gold 4:36 Q&A with Roxy Butner 5:06 Roth IRA Dilemma: Lump Sum or Dollar Cost Average? 8:06 Portfolio Makeover: Fund Reallocation 11:17 Retirement Planning: Managing 403b and 401k Funds 14:45 Understanding Fund Gains: Net vs. Gross 16:41 Financial Evolution: Trends in Investor Questions 18:23 Special Announcement: Retirement Reprise Event Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode we discuss: 0:04 Investment "Cheesecake" 1:46 Market Predictions: To Worry or Not to Worry 1:53 Stock Market History: Looking Back and Moving Forward 6:41 The Unpredictable Future: Market Speculations 9:56 Market Timing Dilemma: Selling and Buying Strategies 16:15 Retirement Investment Queries: Bond Funds and Risk Tolerance 18:49 Evaluating Investment Providers: Avoiding Gimmicks Learn more about your ad choices. Visit megaphone.fm/adchoices

In this show we discuss: 1:12 Parents' Influence on Money Behavior 2:22 Impact of Childhood Money Habits 9:45 Retirement Dilemma Discussion 13:45 Tax Planning Considerations 17:00 Managing Real Estate Assets 20:49 Annuity Evaluation Guidance 24:46 Selecting Investment Funds in 401k 29:08 Annuity Liquidation Tax Implications 32:01 Annuity Sales Pitch Awareness 35:30 Indexed Annuities Podcasts Overview Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode: 3:40 A Potential Problem with Some ETFs. 10:12 Understanding Standard Deviation in Investing 14:34 Holding a Diversified Portfolio 19:41 Comparing Avantis and Vanguard Funds 21:29 The Impact of Index Funds on the Market 26:19 Importance of Diversification in Investing 31:13 The Value of Target Date Funds 33:28 The Impact of Small and Value Companies 36:55 Housing Market Trends and Real Estate Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's skeptical episode: 0:04 Introduction: The Importance of Trust in Finance 3:09 The Market's Trustworthiness: A Closer Look 5:29 Misconceptions About the Market: Zero-Sum Game 9:53 Addressing Market Manipulation and Trust Issues 13:42 Managing Emotional Responses to Market Fluctuations 17:04 Understanding the Long-Term Value of Market Investing 21:27 Analyzing High Beta and Exponential Tech Investments 23:46 Evaluating the Role of Financial Advisors 25:48 Dissecting Trust Company Practices and Fees Learn more about your ad choices. Visit megaphone.fm/adchoices