Talking Real Money - Investing Talk Tue, 14 Apr 2026 11:32:11 -0400 http://talkingrealmoney.com en © 2026 Apella Wealth yes 33e1e392-5db9-55fb-9552-908302f5f4a4 don@talkingrealmoney.com Don McDonald episodic false Financial talk radio veteran, Don McDonald and former host of Serious Money on PBS, Tom Cock, join forces to talk about real money issues. In each episode, they solve real money problems, dole out real investing (not speculating) advice, and really explain the financial issues that effect all of us. Plus, it's actually fun! Talking Real Money is a podcast designed to provide the real help we all need to enjoy a really great future. Call in with your questions anytime at 855-935-TALK (8255).

]]> Buzzsprout (https://www.buzzsprout.com) Don McDonald don@talkingrealmoney.com https://storage.buzzsprout.com/qjhkkli7p2h0daojrwso761mj5cs?.jpg Talking Real Money - Investing Talk http://talkingrealmoney.com Don McDonald Tom Cock On Your Side? On Your Side? This episode exposes the misleading language behind “best interest” financial sales practices, using the insurance-backed fight against the Department of Labor’s fiduciary rule as the main example. Don and Tom explain why rolling money from a 401(k) or 403(b) into an IRA can leave investors vulnerable to commissions, conflicts, vague disclosures, and expensive products dressed up as advice. They break down the difference between true fiduciary advice, so-called best-interest standards, and bare-minimum suitability, then answer listener questions on pension-heavy asset allocation, Delaware Statutory Trusts, and why some seemingly clever planning ideas are often more trouble than they’re worth.

0:00 “Federation of Americans for Consumer Choice” irony and setup

0:52 Fiduciary rule battle with the Department of Labor (and why it keeps dying)

1:43 Who’s really behind the “consumer choice” push (insurance industry)

2:41 Why retirement rollovers (401k → IRA) are the financial “wild west”

3:13 $841B rollover stat and loss of ERISA protections

4:34 Who actually operates under a true fiduciary standard

5:14 Why rollovers require serious skepticism (fees, conflicts, hidden costs)

6:10 Form BI and the illusion of “best interest”

7:09 Insurance “best interest” rules and the loophole problem

8:23 Disclosure theater: legal cover vs real transparency

9:40 What a fiduciary does NOT guarantee (returns, cost, communication)

10:47 Why even fiduciaries can be expensive

10:58 The three standards explained: fiduciary vs best interest vs suitability

12:02 “It’s not terrible” — the low bar of suitability

13:03 Advice vs sales pitch: how most investors get fooled

13:38 Listener case: pension-heavy early retirement plan

17:18 Pension as “bond substitute” debate

19:08 Portfolio breakdown and fund choices (Vanguard, Avantis)

20:55 Simplicity vs complexity across multiple accounts

21:58 Risk reduction suggestion despite strong financial position

24:13 Delaware Statutory Trusts (DSTs): tax deferral vs massive fees

25:59 DST downsides: illiquidity, lack of control, high commissions

26:29 Bottom line on DSTs: “pay your taxes and move on”

27:12 Listener suggestion: “Can I afford it?” segment

27:50 Why personalized affordability segments are impractical

29:37 Show longevity discussion and future timeline

31:11 Financial Physics book plug (Kindle version now available)

Questions? Comments? Click!

]]> This episode exposes the misleading language behind “best interest” financial sales practices, using the insurance-backed fight against the Department of Labor’s fiduciary rule as the main example. Don and Tom explain why rolling money from a 401(k) or 403(b) into an IRA can leave investors vulnerable to commissions, conflicts, vague disclosures, and expensive products dressed up as advice. They break down the difference between true fiduciary advice, so-called best-interest standards, and bare-minimum suitability, then answer listener questions on pension-heavy asset allocation, Delaware Statutory Trusts, and why some seemingly clever planning ideas are often more trouble than they’re worth.

0:00 “Federation of Americans for Consumer Choice” irony and setup

0:52 Fiduciary rule battle with the Department of Labor (and why it keeps dying)

1:43 Who’s really behind the “consumer choice” push (insurance industry)

2:41 Why retirement rollovers (401k → IRA) are the financial “wild west”

3:13 $841B rollover stat and loss of ERISA protections

4:34 Who actually operates under a true fiduciary standard

5:14 Why rollovers require serious skepticism (fees, conflicts, hidden costs)

6:10 Form BI and the illusion of “best interest”

7:09 Insurance “best interest” rules and the loophole problem

8:23 Disclosure theater: legal cover vs real transparency

9:40 What a fiduciary does NOT guarantee (returns, cost, communication)

10:47 Why even fiduciaries can be expensive

10:58 The three standards explained: fiduciary vs best interest vs suitability

12:02 “It’s not terrible” — the low bar of suitability

13:03 Advice vs sales pitch: how most investors get fooled

13:38 Listener case: pension-heavy early retirement plan

17:18 Pension as “bond substitute” debate

19:08 Portfolio breakdown and fund choices (Vanguard, Avantis)

20:55 Simplicity vs complexity across multiple accounts

21:58 Risk reduction suggestion despite strong financial position

24:13 Delaware Statutory Trusts (DSTs): tax deferral vs massive fees

25:59 DST downsides: illiquidity, lack of control, high commissions

26:29 Bottom line on DSTs: “pay your taxes and move on”

27:12 Listener suggestion: “Can I afford it?” segment

27:50 Why personalized affordability segments are impractical

29:37 Show longevity discussion and future timeline

31:11 Financial Physics book plug (Kindle version now available)

Questions? Comments? Click!

]]> Don McDonald Buzzsprout-19014718 Tue, 14 Apr 2026 11:00:00 -0400 2143 fiduciary rule, best interest standard, suitability standard, retirement rollover, 401k rollover, IRA rollover, financial advisor conflicts, insurance commissions, annuity sales, deceptive marketing, consumer choice, financial regulation, Department of La full false Miss a Stock... Miss a Stock... A century-long study by Hendrik Bessembinder reveals a stunning truth about investing: while the U.S. stock market produced enormous overall wealth, the vast majority of individual stocks were losers, with just 46 companies responsible for half of all gains. Don and Tom unpack what this means for investors—namely, that stock picking is essentially a losing game driven more by luck than skill, and that broad diversification through index investing is the only reliable way to capture market returns. They also tackle a listener question on annuities vs. CDs, highlighting trade-offs between yield, safety, and liquidity, while reinforcing their long-standing skepticism of locking up money for marginal gains.

0:13 “Miss a day, miss a lot” — but missing the right stocks matters far more

1:09 Introduction to Bessembinder’s 100-year stock market study

2:35 30,000 stocks, 30,000% total return — but context matters

3:21 Median stock return is negative — most stocks lose money

3:55 60% of stocks destroy wealth; only a minority create gains

5:25 Just 46 companies generate half of all market wealth

6:24 The near impossibility of picking winning stocks consistently

7:01 Why stock picking is closer to lottery odds than skill

7:56 Broad diversification as the only reliable strategy

8:50 Owning the entire market captures the winners automatically

9:25 Active management vs. indexing — evidence vs. anecdotes

10:00 Skill vs. luck in outperforming managers (near zero true skill)

11:19 Behavioral flaws: confusing stories with evidence

12:25 Fundamentals vs. sentiment in long-term stock performance

12:59 Emotional investing pitfalls and the need for discipline

13:42 Listener question: annuity vs. CD for short-term cash

15:30 Risks of annuities vs. FDIC-insured alternatives

16:37 Liquidity trade-offs and current CD rate comparisons

18:05 Laddering CDs vs. locking into annuities

18:33 Listener question on podcast changes post-radio transition

19:36 Reflections on leaving live radio and moving fully to podcast

22:06 Free portfolio reviews and fiduciary advice offer

23:01 Call for listener support as big-name podcasts grow

Questions? Comments? Click!

]]> A century-long study by Hendrik Bessembinder reveals a stunning truth about investing: while the U.S. stock market produced enormous overall wealth, the vast majority of individual stocks were losers, with just 46 companies responsible for half of all gains. Don and Tom unpack what this means for investors—namely, that stock picking is essentially a losing game driven more by luck than skill, and that broad diversification through index investing is the only reliable way to capture market returns. They also tackle a listener question on annuities vs. CDs, highlighting trade-offs between yield, safety, and liquidity, while reinforcing their long-standing skepticism of locking up money for marginal gains.

0:13 “Miss a day, miss a lot” — but missing the right stocks matters far more

1:09 Introduction to Bessembinder’s 100-year stock market study

2:35 30,000 stocks, 30,000% total return — but context matters

3:21 Median stock return is negative — most stocks lose money

3:55 60% of stocks destroy wealth; only a minority create gains

5:25 Just 46 companies generate half of all market wealth

6:24 The near impossibility of picking winning stocks consistently

7:01 Why stock picking is closer to lottery odds than skill

7:56 Broad diversification as the only reliable strategy

8:50 Owning the entire market captures the winners automatically

9:25 Active management vs. indexing — evidence vs. anecdotes

10:00 Skill vs. luck in outperforming managers (near zero true skill)

11:19 Behavioral flaws: confusing stories with evidence

12:25 Fundamentals vs. sentiment in long-term stock performance

12:59 Emotional investing pitfalls and the need for discipline

13:42 Listener question: annuity vs. CD for short-term cash

15:30 Risks of annuities vs. FDIC-insured alternatives

16:37 Liquidity trade-offs and current CD rate comparisons

18:05 Laddering CDs vs. locking into annuities

18:33 Listener question on podcast changes post-radio transition

19:36 Reflections on leaving live radio and moving fully to podcast

22:06 Free portfolio reviews and fiduciary advice offer

23:01 Call for listener support as big-name podcasts grow

Questions? Comments? Click!

]]> Don McDonald Buzzsprout-19007736 Mon, 13 Apr 2026 14:00:00 -0400 1508 missing one piece, keystone, small mistake big impact, compounding loss, critical moment, diversification, index investing, stock market reality, long term investing, wealth building, investing psychology full false Whole Lotta Questions Whole Lotta Questions This Friday Q&A episode of Talking Real Money features a surge in listener questions, covering key retirement and investing topics including IRA inheritance strategies, borrowing in retirement, how to find fiduciary advisors, the powerful tax advantages of HSAs, pension timing decisions, and whether Robinhood’s 2% IRA transfer bonus is worth the trade-offs. Don emphasizes simplicity and tax efficiency—favoring IRA rollovers over inherited structures for spouses, cautioning that borrowing becomes harder in retirement, praising HSAs as one of the best tax-advantaged tools available, encouraging aggressive Roth saving to bridge early retirement gaps, and warning that “free money” incentives like Robinhood’s may come with hidden costs, particularly through payment-for-order-flow execution.

0:05 Shift to podcast-only boosts listener call volume

2:26 Spousal IRA decision: inherited vs rollover strategy

5:59 Why rollover IRAs usually win for older surviving spouses

6:26 Borrowing in retirement: income limits and lender challenges

8:03 Alternative borrowing strategies and why cash often wins

9:07 How to find fiduciary advisors on the website

10:16 HSA explained: triple tax advantage and retirement use

12:41 Pension planning and early retirement trade-offs

14:08 Why delaying pension and Social Security pays off

15:35 Roth IRA as a bridge strategy for early retirement

18:33 Robinhood 2% IRA transfer: risks vs reward

19:49 Payment-for-order-flow and why execution quality matters

21:54 Final thoughts: simplicity, discipline, and avoiding gimmicks

Questions? Comments? Click!

]]> This Friday Q&A episode of Talking Real Money features a surge in listener questions, covering key retirement and investing topics including IRA inheritance strategies, borrowing in retirement, how to find fiduciary advisors, the powerful tax advantages of HSAs, pension timing decisions, and whether Robinhood’s 2% IRA transfer bonus is worth the trade-offs. Don emphasizes simplicity and tax efficiency—favoring IRA rollovers over inherited structures for spouses, cautioning that borrowing becomes harder in retirement, praising HSAs as one of the best tax-advantaged tools available, encouraging aggressive Roth saving to bridge early retirement gaps, and warning that “free money” incentives like Robinhood’s may come with hidden costs, particularly through payment-for-order-flow execution.

0:05 Shift to podcast-only boosts listener call volume

2:26 Spousal IRA decision: inherited vs rollover strategy

5:59 Why rollover IRAs usually win for older surviving spouses

6:26 Borrowing in retirement: income limits and lender challenges

8:03 Alternative borrowing strategies and why cash often wins

9:07 How to find fiduciary advisors on the website

10:16 HSA explained: triple tax advantage and retirement use

12:41 Pension planning and early retirement trade-offs

14:08 Why delaying pension and Social Security pays off

15:35 Roth IRA as a bridge strategy for early retirement

18:33 Robinhood 2% IRA transfer: risks vs reward

19:49 Payment-for-order-flow and why execution quality matters

21:54 Final thoughts: simplicity, discipline, and avoiding gimmicks

Questions? Comments? Click!

]]> Don McDonald Buzzsprout-18995649 Fri, 10 Apr 2026 14:00:00 -0400 1507 IRA rollover, inherited IRA, retirement borrowing, HSA benefits, pension planning, Roth IRA strategy, early retirement bridge, fiduciary advisor, Robinhood IRA bonus, payment for order flow full false Simple Beats "Smart" Simple Beats "Smart" Don and Tom tear into Kiplinger’s roundup of “best money advice,” separating the genuinely useful from the obvious, the flawed, and the downright silly. They agree that core principles like living below your means, automating investing, and seeking qualified fiduciary advice still reign supreme, while pushing back on oversimplified takes about debt, life decisions, and self-auditing. The conversation reinforces a familiar truth: personal finance isn’t about clever hacks—it’s about consistent behavior, smart systems, and avoiding the many ways people sabotage themselves. Listener questions cover fund-of-funds expense ratios (no stacking), high-yield savings tradeoffs, and the real cost of chasing slightly better interest rates.

0:05 Chasing the “best money advice of all time” (and where it definitely isn’t)

1:44 Kiplinger roundup sparks review of popular financial advice

3:10 Dave Ramsey basics—simple, correct, and incomplete

4:29 The myth of easy money and cultural obsession with getting rich quick

5:18 Getting help from professionals (and why most aren’t actually professionals)

6:07 “Good vs. bad debt” debate and the problem with vague advice

7:32 Aligning money with values… or just saying something that sounds nice

7:39 “Marry wisely” as financial advice (yes, really)

9:02 Automating finances as one of the most effective strategies

10:40 Why friends and family are often terrible sources of financial advice

10:53 Should life decisions be based on money? (spoiler: they usually are)

12:33 Self-audits vs. professional guidance—can you really judge yourself?

13:42 The foundational rule: spend less than you make

14:31 Most people don’t know what they actually spend

15:00 Listener question: AVGE / AVGV expense ratios—no fee stacking

17:50 PI Bank high-yield savings—rate vs. usability tradeoffs

19:25 Wire transfer fees and when higher yields actually matter

21:31 Practical ways to manage savings movement costs

22:17 Don’s Financial FYSICS book—pricing, Kindle version, and Amazon quirks

Questions? Comments? Click!

]]> Don and Tom tear into Kiplinger’s roundup of “best money advice,” separating the genuinely useful from the obvious, the flawed, and the downright silly. They agree that core principles like living below your means, automating investing, and seeking qualified fiduciary advice still reign supreme, while pushing back on oversimplified takes about debt, life decisions, and self-auditing. The conversation reinforces a familiar truth: personal finance isn’t about clever hacks—it’s about consistent behavior, smart systems, and avoiding the many ways people sabotage themselves. Listener questions cover fund-of-funds expense ratios (no stacking), high-yield savings tradeoffs, and the real cost of chasing slightly better interest rates.

0:05 Chasing the “best money advice of all time” (and where it definitely isn’t)

1:44 Kiplinger roundup sparks review of popular financial advice

3:10 Dave Ramsey basics—simple, correct, and incomplete

4:29 The myth of easy money and cultural obsession with getting rich quick

5:18 Getting help from professionals (and why most aren’t actually professionals)

6:07 “Good vs. bad debt” debate and the problem with vague advice

7:32 Aligning money with values… or just saying something that sounds nice

7:39 “Marry wisely” as financial advice (yes, really)

9:02 Automating finances as one of the most effective strategies

10:40 Why friends and family are often terrible sources of financial advice

10:53 Should life decisions be based on money? (spoiler: they usually are)

12:33 Self-audits vs. professional guidance—can you really judge yourself?

13:42 The foundational rule: spend less than you make

14:31 Most people don’t know what they actually spend

15:00 Listener question: AVGE / AVGV expense ratios—no fee stacking

17:50 PI Bank high-yield savings—rate vs. usability tradeoffs

19:25 Wire transfer fees and when higher yields actually matter

21:31 Practical ways to manage savings movement costs

22:17 Don’s Financial FYSICS book—pricing, Kindle version, and Amazon quirks

Questions? Comments? Click!

]]> Don McDonald Buzzsprout-18989377 Thu, 09 Apr 2026 12:00:00 -0400 1645 personal finance, investing confusion, financial advice overload, retirement planning, money mistakes, get rich quick schemes, financial media satire, wealth management, behavioral finance, misleading financial advice full false What is an Advisor? What is an Advisor? This episode cuts through the marketing fog around “financial advisors,” breaking them into three real categories—brokers, insurance agents, and fiduciary investment advisors—and exposing how incentives, commissions, and murky regulations shape the advice investors receive. Don and Tom highlight the industry’s gradual shift away from commissions while warning that titles like “fiduciary” or “CFP” don’t guarantee behavior. A listener segment dives into retirement portfolio construction, clarifying misconceptions about bond funds like BND, sequence risk strategies, and the role of safe assets. The episode closes by reframing trendy concepts like “liability matching portfolios” as common-sense planning: keep near-term spending safe and let long-term money grow.

0:05 Three types of “financial advisors” and why the title means nothing

0:51 Brokers vs RIAs vs insurance agents—what they actually do

2:10 Fiduciary confusion and “part-time fiduciaries”

3:10 How brokers really operate (transactions, firm-first incentives)

6:00 Insurance agents, annuities, and massive hidden commissions

7:47 Regulation gaps and misleading “no commission” language

8:15 Investment advisors (RIAs) and the fiduciary standard (with caveats)

9:42 CFP designation—rigorous, but not a guarantee of behavior

10:36 Portfolio reality: “a collection of ideas” vs an actual plan

11:50 Industry trend: slow death of commissions and rise of fee-only

15:13 Listener: retirement portfolio, glide path, and bond confusion

18:15 BND vs Treasuries—risk, diversification, and reality

19:59 Sequence risk strategy—lower equities early, increase later

21:31 2022 bond drop explained (rates, not failure)

23:11 Managing volatility fear—cash buffers vs bond funds

24:01 Practical solution: mix of bonds, CDs, and cash

28:07 Liability Matching Portfolio (LMP) vs “bucket strategy”

31:01 Core takeaway: match short-term needs with safe assets, let rest grow

Questions? Comments? Click!

]]> This episode cuts through the marketing fog around “financial advisors,” breaking them into three real categories—brokers, insurance agents, and fiduciary investment advisors—and exposing how incentives, commissions, and murky regulations shape the advice investors receive. Don and Tom highlight the industry’s gradual shift away from commissions while warning that titles like “fiduciary” or “CFP” don’t guarantee behavior. A listener segment dives into retirement portfolio construction, clarifying misconceptions about bond funds like BND, sequence risk strategies, and the role of safe assets. The episode closes by reframing trendy concepts like “liability matching portfolios” as common-sense planning: keep near-term spending safe and let long-term money grow.

0:05 Three types of “financial advisors” and why the title means nothing

0:51 Brokers vs RIAs vs insurance agents—what they actually do

2:10 Fiduciary confusion and “part-time fiduciaries”

3:10 How brokers really operate (transactions, firm-first incentives)

6:00 Insurance agents, annuities, and massive hidden commissions

7:47 Regulation gaps and misleading “no commission” language

8:15 Investment advisors (RIAs) and the fiduciary standard (with caveats)

9:42 CFP designation—rigorous, but not a guarantee of behavior

10:36 Portfolio reality: “a collection of ideas” vs an actual plan

11:50 Industry trend: slow death of commissions and rise of fee-only

15:13 Listener: retirement portfolio, glide path, and bond confusion

18:15 BND vs Treasuries—risk, diversification, and reality

19:59 Sequence risk strategy—lower equities early, increase later

21:31 2022 bond drop explained (rates, not failure)

23:11 Managing volatility fear—cash buffers vs bond funds

24:01 Practical solution: mix of bonds, CDs, and cash

28:07 Liability Matching Portfolio (LMP) vs “bucket strategy”

31:01 Core takeaway: match short-term needs with safe assets, let rest grow

Questions? Comments? Click!

]]> Don McDonald Buzzsprout-18983153 Wed, 08 Apr 2026 11:00:00 -0400 2142 financial advisor types, fiduciary vs broker, insurance annuities commissions, RIA vs broker differences, BND bond fund explained, retirement sequence risk, liability matching portfolio, bucket strategy retirement, fee only advisor benefits, financial adv full false Modern Bucket Shops Modern Bucket Shops Don and Tom kick things off with a colorful history lesson on 19th-century “bucket shops,” drawing a sharp parallel to today’s emerging world of tokenized securities—digital representations of stocks traded on blockchain platforms. While proponents tout 24/7 trading and faster settlement, the hosts question the real value, highlighting added complexity, thin trading, pricing deviations, and unclear ownership structures. They frame tokenized investing as a solution in search of a problem—one that primarily serves speculators rather than long-term investors. The episode reinforces a familiar theme: avoid unnecessary complexity, ignore trading temptations, and stick with disciplined, low-cost investing. Listener questions cover whether retirees still need life insurance (generally no, if financially secure) and clarify that rebalancing means selling winners and buying laggards—not chasing losses.

0:05 Intro and setup with historical market story

0:24 Bucket shops explained—early stock market gambling

1:50 Transition to modern “tokenized securities”

2:35 What tokenized stocks are and how they trade 24/7

5:27 Blockchain explained in plain English

6:23 Ownership confusion—what do you actually own?

7:53 Custodian risk and structural concerns

8:33 Pricing issues and thin trading risks

9:01 Tokenization compared to past financial “innovations” (CDOs)

10:54 Why investors should ignore tokenized securities

11:26 New call-in system for podcast listeners

12:03 Listener question: keep or drop term life insurance in retirement

13:02 Why life insurance is unnecessary for financially secure retirees

15:05 Listener question: selling losers vs. rebalancing

16:05 Proper rebalancing strategy explained (sell high, buy low)

17:31 Jack Bogle philosophy—do less, win more

Questions? Comments? Click!

]]> Don and Tom kick things off with a colorful history lesson on 19th-century “bucket shops,” drawing a sharp parallel to today’s emerging world of tokenized securities—digital representations of stocks traded on blockchain platforms. While proponents tout 24/7 trading and faster settlement, the hosts question the real value, highlighting added complexity, thin trading, pricing deviations, and unclear ownership structures. They frame tokenized investing as a solution in search of a problem—one that primarily serves speculators rather than long-term investors. The episode reinforces a familiar theme: avoid unnecessary complexity, ignore trading temptations, and stick with disciplined, low-cost investing. Listener questions cover whether retirees still need life insurance (generally no, if financially secure) and clarify that rebalancing means selling winners and buying laggards—not chasing losses.

0:05 Intro and setup with historical market story

0:24 Bucket shops explained—early stock market gambling

1:50 Transition to modern “tokenized securities”

2:35 What tokenized stocks are and how they trade 24/7

5:27 Blockchain explained in plain English

6:23 Ownership confusion—what do you actually own?

7:53 Custodian risk and structural concerns

8:33 Pricing issues and thin trading risks

9:01 Tokenization compared to past financial “innovations” (CDOs)

10:54 Why investors should ignore tokenized securities

11:26 New call-in system for podcast listeners

12:03 Listener question: keep or drop term life insurance in retirement

13:02 Why life insurance is unnecessary for financially secure retirees

15:05 Listener question: selling losers vs. rebalancing

16:05 Proper rebalancing strategy explained (sell high, buy low)

17:31 Jack Bogle philosophy—do less, win more

Questions? Comments? Click!

]]> Don McDonald Buzzsprout-18976483 Tue, 07 Apr 2026 11:00:00 -0400 1254 stock market, investing, market volatility, gambling, speculative trading, tokenized securities, blockchain investing, financial risk, behavioral finance, long term investing full false Retiree Ripoffs Retiree Ripoffs This episode shifts from investing to the growing threat of scams—especially targeting older adults—breaking down how common fraud tactics work, from fake virus alerts and spoofed calls to AI-driven voice cloning and recovery scams. Don and Tom emphasize a simple but powerful rule: if you didn’t initiate the contact, assume it’s a scam, and never act under pressure. The conversation then pivots to listener questions, covering how to construct a globally diversified portfolio with proper U.S./international balance, how to structure fixed income for retirement income needs, and why investors should resist the urge to “take winnings” after gains—focusing instead on long-term discipline and occasional rebalancing.

0:05 Scams targeting older adults and why susceptibility increases

1:21 AARP article and life in The Villages as a scam hotspot backdrop

3:05 Fake virus alerts and tech support scams (iPad example, $25K loss)

6:10 Scale of scam losses (older Americans, underreporting, $5B+ impact)

6:48 Common scam types: fake purchases, investment fraud, and urgency tactics

7:23 Caller ID spoofing and law enforcement impersonation scams

8:25 AI voice cloning and evolving scam sophistication

8:39 Call screening tools and reducing scam exposure

9:53 Bank impersonation scams using stolen personal data

11:14 IRS scams—what the IRS actually does (mail only)

11:57 Key defense rule: urgency = scam

12:47 “Recovery scams” targeting prior victims

13:27 Core principle: assume unsolicited contact is fraudulent

14:44 Transition to listener Q&A intro and contact methods

16:07 Portfolio construction: balancing U.S. vs international exposure using ETFs

18:00 Fixed income strategy: BND vs CDs, money markets, income buckets

19:26 Listener question: should you “take profits” after gains?

20:03 Why long-term investing ≠ gambling (stay invested vs timing)

21:39 Exception: rebalancing vs profit-taking

22:38 Historical perspective on long-term economic growth

Questions? Comments? Click!

]]> This episode shifts from investing to the growing threat of scams—especially targeting older adults—breaking down how common fraud tactics work, from fake virus alerts and spoofed calls to AI-driven voice cloning and recovery scams. Don and Tom emphasize a simple but powerful rule: if you didn’t initiate the contact, assume it’s a scam, and never act under pressure. The conversation then pivots to listener questions, covering how to construct a globally diversified portfolio with proper U.S./international balance, how to structure fixed income for retirement income needs, and why investors should resist the urge to “take winnings” after gains—focusing instead on long-term discipline and occasional rebalancing.

0:05 Scams targeting older adults and why susceptibility increases

1:21 AARP article and life in The Villages as a scam hotspot backdrop

3:05 Fake virus alerts and tech support scams (iPad example, $25K loss)

6:10 Scale of scam losses (older Americans, underreporting, $5B+ impact)

6:48 Common scam types: fake purchases, investment fraud, and urgency tactics

7:23 Caller ID spoofing and law enforcement impersonation scams

8:25 AI voice cloning and evolving scam sophistication

8:39 Call screening tools and reducing scam exposure

9:53 Bank impersonation scams using stolen personal data

11:14 IRS scams—what the IRS actually does (mail only)

11:57 Key defense rule: urgency = scam

12:47 “Recovery scams” targeting prior victims

13:27 Core principle: assume unsolicited contact is fraudulent

14:44 Transition to listener Q&A intro and contact methods

16:07 Portfolio construction: balancing U.S. vs international exposure using ETFs

18:00 Fixed income strategy: BND vs CDs, money markets, income buckets

19:26 Listener question: should you “take profits” after gains?

20:03 Why long-term investing ≠ gambling (stay invested vs timing)

21:39 Exception: rebalancing vs profit-taking

22:38 Historical perspective on long-term economic growth

Questions? Comments? Click!

]]> Don McDonald Buzzsprout-18969823 Mon, 06 Apr 2026 12:00:00 -0400 1632 scam prevention, online scams, tech support scam, financial fraud awareness, elder fraud protection, phone scams, identity theft protection, retirement scams, AI voice scam, cybersecurity tips full false Questions Aplenty Questions Aplenty This Q&A episode tackles a mix of practical retirement and investing questions, starting with why spousal Social Security benefits rarely change the core advice to delay claiming. Don explains the limits of basic retirement calculators versus more robust planning tools, then reassures a late-starting saver that simple, low-cost investing (like target-date funds) often beats complexity. A listener’s story about $242 stock commissions leads into a blunt reality check on day trading (spoiler: still a losing game), while another question explores how and when to share wealth details with adult children. The episode wraps with a clear affirmation of total-market investing—and a striking demo of AI audio cleanup that turns an unusable question into something crystal clear.

0:11 Intro to Q&A format and how listeners submit questions

1:32 Social Security spousal benefits and why they rarely change the “delay” strategy

4:13 What to look for in retirement calculators (and best free options)

6:43 Late-start saver with pension: Roth strategy and keeping investing simple

10:58 $242 commissions and the fall of high-cost brokerage trading

12:00 Day trading reality: why most lose (and why firms loved it)

14:57 Sharing wealth details with adult children and choosing a financial “leader”

18:00 AI audio enhancement demo—bad recording vs. cleaned version

19:06 Total market investing: owning everything vs. chasing winners

22:22 Wrap-up and advisor offer

Questions? Comments? Click!

]]> This Q&A episode tackles a mix of practical retirement and investing questions, starting with why spousal Social Security benefits rarely change the core advice to delay claiming. Don explains the limits of basic retirement calculators versus more robust planning tools, then reassures a late-starting saver that simple, low-cost investing (like target-date funds) often beats complexity. A listener’s story about $242 stock commissions leads into a blunt reality check on day trading (spoiler: still a losing game), while another question explores how and when to share wealth details with adult children. The episode wraps with a clear affirmation of total-market investing—and a striking demo of AI audio cleanup that turns an unusable question into something crystal clear.

0:11 Intro to Q&A format and how listeners submit questions

1:32 Social Security spousal benefits and why they rarely change the “delay” strategy

4:13 What to look for in retirement calculators (and best free options)

6:43 Late-start saver with pension: Roth strategy and keeping investing simple

10:58 $242 commissions and the fall of high-cost brokerage trading

12:00 Day trading reality: why most lose (and why firms loved it)

14:57 Sharing wealth details with adult children and choosing a financial “leader”

18:00 AI audio enhancement demo—bad recording vs. cleaned version

19:06 Total market investing: owning everything vs. chasing winners

22:22 Wrap-up and advisor offer

Questions? Comments? Click!

]]> Buzzsprout-18955483 Fri, 03 Apr 2026 11:00:00 -0400 1528 full false Yield Trap Yield Trap
0:04 Rant on terrible financial advice and declining media trust

0:24 Criticism of Kiplinger and “investment porn” content

1:08 Concerns about newsletter-driven incentives

2:35 Warning against using short-term returns

4:13 Breakdown of Nuveen Multi-Asset Income Fund and unrealistic yield claims

5:08 Junk bond exposure and credit risk explained

6:18 Expense shock: 0.03% vs 3.38%

7:18 High yields = high risk reality

8:01 “Safe income” claim debunked

8:57 Collapse risk in downturns

9:37 Core principle: risk and return are linked

10:38 Fed/yield curve speculation criticism

10:56 Purpose of bonds: stability vs yield

11:27 Bonds as capital preservation, not return drivers

12:05 Example of high-cost junk bond ETF

12:12 Fewer trustworthy financial sources

13:16 Stop consuming financial media noise

13:38 Do something better with your time

14:32 Listener: teen Roth IRA strategy

16:33 Recommendation: AVGV single-fund approach

17:40 Fund-of-funds diversification explained

18:38 Listener: Vanguard vs Dimensional Fund Advisors / Avantis

19:45 Case for small/value tilt

21:59 Listener: ETF vs mutual fund inconsistency

24:12 Simple portfolio: DFAW / AVGE + BND

25:11 Studio banter and mic technique
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]]>
0:04 Rant on terrible financial advice and declining media trust

0:24 Criticism of Kiplinger and “investment porn” content

1:08 Concerns about newsletter-driven incentives

2:35 Warning against using short-term returns

4:13 Breakdown of Nuveen Multi-Asset Income Fund and unrealistic yield claims

5:08 Junk bond exposure and credit risk explained

6:18 Expense shock: 0.03% vs 3.38%

7:18 High yields = high risk reality

8:01 “Safe income” claim debunked

8:57 Collapse risk in downturns

9:37 Core principle: risk and return are linked

10:38 Fed/yield curve speculation criticism

10:56 Purpose of bonds: stability vs yield

11:27 Bonds as capital preservation, not return drivers

12:05 Example of high-cost junk bond ETF

12:12 Fewer trustworthy financial sources

13:16 Stop consuming financial media noise

13:38 Do something better with your time

14:32 Listener: teen Roth IRA strategy

16:33 Recommendation: AVGV single-fund approach

17:40 Fund-of-funds diversification explained

18:38 Listener: Vanguard vs Dimensional Fund Advisors / Avantis

19:45 Case for small/value tilt

21:59 Listener: ETF vs mutual fund inconsistency

24:12 Simple portfolio: DFAW / AVGE + BND

25:11 Studio banter and mic technique
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]]> Don McDonald d2215522-2eb4-11f1-b6ec-b7fc5b6b37f4 Thu, 02 Apr 2026 12:15:00 -0400 1791 false Final Broadcast - Two Final Broadcast - Two
0:05 Aging perspective and how quickly decades pass

2:28 Social Security crisis and projected 20–25% benefit cuts

4:46 Proposed fixes: higher taxes, later retirement, reduced COLA

7:11 Caller considers switching from index funds to gold

8:17 Why gold is a poor long-term investment

11:10 Market timing is impossible to do consistently

15:07 Fiduciary vs. non-fiduciary advisors (Fidelity discussion)

17:16 “Best interest” standard vs. true fiduciary duty

21:26 Listener reminder: stay the course during market fear

24:03 Ethical investing and whether profits justify harm

27:32 ESG limitations and the difficulty of “pure” investing

28:52 “Pay yourself first” as foundational financial advice

31:23 Listener gratitude and behavioral investing success

32:55 Planning for a less-engaged spouse and advisor relationships

34:48 Longtime listener appreciation and show legacy

37:23 Transition from radio to podcast and what changes
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]]>
0:05 Aging perspective and how quickly decades pass

2:28 Social Security crisis and projected 20–25% benefit cuts

4:46 Proposed fixes: higher taxes, later retirement, reduced COLA

7:11 Caller considers switching from index funds to gold

8:17 Why gold is a poor long-term investment

11:10 Market timing is impossible to do consistently

15:07 Fiduciary vs. non-fiduciary advisors (Fidelity discussion)

17:16 “Best interest” standard vs. true fiduciary duty

21:26 Listener reminder: stay the course during market fear

24:03 Ethical investing and whether profits justify harm

27:32 ESG limitations and the difficulty of “pure” investing

28:52 “Pay yourself first” as foundational financial advice

31:23 Listener gratitude and behavioral investing success

32:55 Planning for a less-engaged spouse and advisor relationships

34:48 Longtime listener appreciation and show legacy

37:23 Transition from radio to podcast and what changes
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]]> Don McDonald b0238e4a-2eb4-11f1-b6ec-4f30dedbc6bc Wed, 01 Apr 2026 16:27:00 -0400 2438 false Final Broadcast - One Final Broadcast - One
0:04 Emotional opening and end of the radio era

0:46 Show history back to 1988 and investing perspective

1:55 $500/month S&P 500 example → ~$3.1M outcome

2:43 Market fears vs long-term investing reality

5:16 Podcast growth to #43 in U.S. investing category

6:40 Market drop discussion and “what should you do?”

7:29 Core advice: plan, ignore predictions, stay disciplined

8:57 Podcast call-in format going forward (Car Talk style)

11:01 How to challenge annuity salespeople effectively

13:22 Call from Paul Merriman reflecting on legacy

16:55 Listener success story: Roth IRA to $500K

20:32 Credit score drop and how to check/freezes

26:35 Why freezing credit is a smart default move

27:47 Tax shock from brokerage gains and hidden trading issues

32:11 Warning signs of poor advisor behavior (Wells Fargo case)

34:08 When to fire an advisor (fees, complexity, value gap)
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]]>
0:04 Emotional opening and end of the radio era

0:46 Show history back to 1988 and investing perspective

1:55 $500/month S&P 500 example → ~$3.1M outcome

2:43 Market fears vs long-term investing reality

5:16 Podcast growth to #43 in U.S. investing category

6:40 Market drop discussion and “what should you do?”

7:29 Core advice: plan, ignore predictions, stay disciplined

8:57 Podcast call-in format going forward (Car Talk style)

11:01 How to challenge annuity salespeople effectively

13:22 Call from Paul Merriman reflecting on legacy

16:55 Listener success story: Roth IRA to $500K

20:32 Credit score drop and how to check/freezes

26:35 Why freezing credit is a smart default move

27:47 Tax shock from brokerage gains and hidden trading issues

32:11 Warning signs of poor advisor behavior (Wells Fargo case)

34:08 When to fire an advisor (fees, complexity, value gap)
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]]> Don McDonald b12d07c6-2eb4-11f1-b6ec-b31968515b13 Tue, 31 Mar 2026 11:28:00 -0400 2376 false College Pays College Pays
0:04 Almost-live intro from “studio” (aka broom closet) and end of radio era

2:10 Lowest-paying college majors and why outcomes vary

3:23 Pharmacy (without grad school) and theology incomes

4:22 Social services, performing arts, and education pay realities

5:42 Liberal arts debate—value vs. earning potential

7:42 Biology, hospitality, psychology, and other $45K careers

9:22 Should you skip college? ROI vs. cost and debt

10:44 Federal Reserve data on college ROI and lifetime earnings

11:48 Job stability, longevity, and socioeconomic effects of degrees

12:42 Mid-career earnings—education still lags badly

14:32 The real issue: debt vs. income mismatch

16:45 Roth conversion question—when it might (and might not) make sense

19:21 529 plans vs. “Trump accounts” for kids’ savings

20:59 Covered call ETFs (JEPI, etc.) and income strategy pitfalls

22:06 Why income-focused funds don’t reduce risk

23:07 Expense drag and hidden costs in “income” ETFs

24:14 Gimmick investing vs. simple total return strategy

25:43 Bellevue weather, Lyft misadventure, and wrap-up
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]]>
0:04 Almost-live intro from “studio” (aka broom closet) and end of radio era

2:10 Lowest-paying college majors and why outcomes vary

3:23 Pharmacy (without grad school) and theology incomes

4:22 Social services, performing arts, and education pay realities

5:42 Liberal arts debate—value vs. earning potential

7:42 Biology, hospitality, psychology, and other $45K careers

9:22 Should you skip college? ROI vs. cost and debt

10:44 Federal Reserve data on college ROI and lifetime earnings

11:48 Job stability, longevity, and socioeconomic effects of degrees

12:42 Mid-career earnings—education still lags badly

14:32 The real issue: debt vs. income mismatch

16:45 Roth conversion question—when it might (and might not) make sense

19:21 529 plans vs. “Trump accounts” for kids’ savings

20:59 Covered call ETFs (JEPI, etc.) and income strategy pitfalls

22:06 Why income-focused funds don’t reduce risk

23:07 Expense drag and hidden costs in “income” ETFs

24:14 Gimmick investing vs. simple total return strategy

25:43 Bellevue weather, Lyft misadventure, and wrap-up
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]]> Don McDonald d294340c-2eb4-11f1-b6ec-8b4e369ad834 Mon, 30 Mar 2026 13:21:00 -0400 1745 false Asking Away Asking Away
0:04 Grandkids + Rodecaster voice effects open

1:55 HYSA vs. Schwab money market funds (SWVXX, Treasury MMFs)

3:54 Risk spectrum: prime vs. government money markets

5:35 Why some online banks are ditching ACH transfers

6:54 Roth vs. traditional 401(k) in a high tax bracket

8:11 Blended strategy and tax flexibility over time

10:21 AVGV expense ratio—are fees stacked?

10:47 Fund-of-funds pricing explained (no double dipping)

11:41 International bonds: worth it or unnecessary complexity?

13:22 Indexed annuity caps—can they go up? (the reality)

15:33 Why indexed annuities remain opaque and costly

16:08 One-fund portfolios vs. DIY allocation thresholds

17:42 Why simplicity often beats customization

18:47 Don’s own one-fund 401(k) approach

19:32 Plug: Short Storyverses podcasts

20:06 Plug: Financial Fysics Kindle release
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]]>
0:04 Grandkids + Rodecaster voice effects open

1:55 HYSA vs. Schwab money market funds (SWVXX, Treasury MMFs)

3:54 Risk spectrum: prime vs. government money markets

5:35 Why some online banks are ditching ACH transfers

6:54 Roth vs. traditional 401(k) in a high tax bracket

8:11 Blended strategy and tax flexibility over time

10:21 AVGV expense ratio—are fees stacked?

10:47 Fund-of-funds pricing explained (no double dipping)

11:41 International bonds: worth it or unnecessary complexity?

13:22 Indexed annuity caps—can they go up? (the reality)

15:33 Why indexed annuities remain opaque and costly

16:08 One-fund portfolios vs. DIY allocation thresholds

17:42 Why simplicity often beats customization

18:47 Don’s own one-fund 401(k) approach

19:32 Plug: Short Storyverses podcasts

20:06 Plug: Financial Fysics Kindle release
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]]> Don McDonald d1d87fdc-2eb4-11f1-b6ec-3b911b0640b9 Fri, 27 Mar 2026 13:37:00 -0400 1359 false Your Retirement Number Your Retirement Number
0:04 The myth of “your retirement number”

0:28 Why $1 million became the default—and why it’s wrong

2:17 Inflation and the erosion of the “millionaire” benchmark

2:39 The only correct answer: “it depends”

3:17 The 4% rule origin and its limitations

4:04 How to actually calculate your retirement number

4:55 Northwestern Mutual’s $1.26M average—and cost skepticism

6:11 Reality check: most retirees don’t have pensions

6:46 The real starting point—what you actually spend

8:11 Reverse engineering your withdrawal needs

8:31 Why 6%+ withdrawal rates are dangerous

9:10 The truth about “safe” withdrawal rates

10:12 The importance of saving 15–20% early

10:41 New website podcast player and listener access

12:49 ETF expense differences: VBR vs VSIAX discussion

16:03 Rule of 55 vs. substantially equal payments

17:24 Listener case: $72K IRA and long-term care planning

18:35 Why $72K won’t cover care—housing becomes the asset

19:34 Conservative investing for near-term care needs

20:45 Reverse mortgage as a care funding strategy

22:23 Upcoming change: live listener calls on Fridays

23:52 Free portfolio review offer (fiduciary advisors)

24:51 Joke math on annuity commissions

25:47 Closing thoughts and transition to podcast-only futur
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]]>
0:04 The myth of “your retirement number”

0:28 Why $1 million became the default—and why it’s wrong

2:17 Inflation and the erosion of the “millionaire” benchmark

2:39 The only correct answer: “it depends”

3:17 The 4% rule origin and its limitations

4:04 How to actually calculate your retirement number

4:55 Northwestern Mutual’s $1.26M average—and cost skepticism

6:11 Reality check: most retirees don’t have pensions

6:46 The real starting point—what you actually spend

8:11 Reverse engineering your withdrawal needs

8:31 Why 6%+ withdrawal rates are dangerous

9:10 The truth about “safe” withdrawal rates

10:12 The importance of saving 15–20% early

10:41 New website podcast player and listener access

12:49 ETF expense differences: VBR vs VSIAX discussion

16:03 Rule of 55 vs. substantially equal payments

17:24 Listener case: $72K IRA and long-term care planning

18:35 Why $72K won’t cover care—housing becomes the asset

19:34 Conservative investing for near-term care needs

20:45 Reverse mortgage as a care funding strategy

22:23 Upcoming change: live listener calls on Fridays

23:52 Free portfolio review offer (fiduciary advisors)

24:51 Joke math on annuity commissions

25:47 Closing thoughts and transition to podcast-only futur
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]]> Don McDonald d0df7518-2eb4-11f1-b6ec-77f111d56573 Thu, 26 Mar 2026 12:00:00 -0400 1663 false Retirement Myths Retirement Myths
0:04 Final countdown to the end of the radio show and shift to podcast-only

1:55 Retirement myths theme introduced

2:37 Myth #1: You’ll need less money in retirement

4:02 Myth #2: Social Security will cover most of your needs

5:41 Myth #3: The market will do all the heavy lifting

7:21 Caller asks about Quantum X; Don and Tom warn it looks like nonsense or worse

9:27 Simple alternative offered: broad diversification with VT

10:52 Caller asks about RMD confusion across multiple accounts

12:01 Advice to simplify scattered retirement accounts

13:58 More digging into Quantum X raises additional scam concerns

16:13 Caller asks if he can retire at 62 with substantial savings and pension income

17:21 Don presses on actual spending, not income, as the key retirement measure

21:23 Myth #4: You’ll be able to work as long as you want

23:34 Myth #5: Taxes will be much lower in retirement

26:13 Podcast listening gets easier through the website and apps

29:22 Caller asks about ETF bid/ask spreads, especially DFAW versus VT

32:55 Caller asks where to hold bonds when 401(k) bond fund costs are absurdly high

35:12 After-hours pricing explains bizarre ETF spread quotes

36:37 Example of a shockingly expensive Transamerica bond fund

38:04 How listeners can keep calling and participating after radio ends
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]]>
0:04 Final countdown to the end of the radio show and shift to podcast-only

1:55 Retirement myths theme introduced

2:37 Myth #1: You’ll need less money in retirement

4:02 Myth #2: Social Security will cover most of your needs

5:41 Myth #3: The market will do all the heavy lifting

7:21 Caller asks about Quantum X; Don and Tom warn it looks like nonsense or worse

9:27 Simple alternative offered: broad diversification with VT

10:52 Caller asks about RMD confusion across multiple accounts

12:01 Advice to simplify scattered retirement accounts

13:58 More digging into Quantum X raises additional scam concerns

16:13 Caller asks if he can retire at 62 with substantial savings and pension income

17:21 Don presses on actual spending, not income, as the key retirement measure

21:23 Myth #4: You’ll be able to work as long as you want

23:34 Myth #5: Taxes will be much lower in retirement

26:13 Podcast listening gets easier through the website and apps

29:22 Caller asks about ETF bid/ask spreads, especially DFAW versus VT

32:55 Caller asks where to hold bonds when 401(k) bond fund costs are absurdly high

35:12 After-hours pricing explains bizarre ETF spread quotes

36:37 Example of a shockingly expensive Transamerica bond fund

38:04 How listeners can keep calling and participating after radio ends
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]]> Don McDonald d23ad074-2eb4-11f1-b6ec-237e3409102a Wed, 25 Mar 2026 12:00:00 -0400 2474 false You Can't Know You Can't Know
0:04 CBS Radio shutdown vs. TRM leaving radio—industry shift toward podcasts

1:32 War-driven market anxiety: money flows to cash, gold, and energy

2:54 Interest rate expectations flip—uncertainty dominates

3:16 Jason Zweig warning: beware “I know what’s next” pitches

4:24 Market timing trap—getting back in is the real failure point

5:37 Diversification reality—why global exposure smooths outcomes

7:08 Financial Fysics Kindle release and podcast transition reminders

9:53 “Retirement Plan” film event plug and discussion preview

13:37 Listener question: small cap value vs. large cap performance

15:44 Correlation explained—why asset classes don’t move in lockstep

16:29 Small cap value premium—historical outperformance rationale

21:49 Micro-cap ETF discussion (DFMC)—extreme diversification option

24:47 Caution: aggressive funds are optional, not necessary

27:52 Listener success story—laddering cash with CDs for caregiving

33:40 Core advice: avoid irreversible financial decisions

34:49 Liquidity matters—dangers of annuities and illiquid investments

35:55 Wall Street “new ideas” skepticism—most benefit the seller

36:21 Final push: transition to podcast-only format
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]]>
0:04 CBS Radio shutdown vs. TRM leaving radio—industry shift toward podcasts

1:32 War-driven market anxiety: money flows to cash, gold, and energy

2:54 Interest rate expectations flip—uncertainty dominates

3:16 Jason Zweig warning: beware “I know what’s next” pitches

4:24 Market timing trap—getting back in is the real failure point

5:37 Diversification reality—why global exposure smooths outcomes

7:08 Financial Fysics Kindle release and podcast transition reminders

9:53 “Retirement Plan” film event plug and discussion preview

13:37 Listener question: small cap value vs. large cap performance

15:44 Correlation explained—why asset classes don’t move in lockstep

16:29 Small cap value premium—historical outperformance rationale

21:49 Micro-cap ETF discussion (DFMC)—extreme diversification option

24:47 Caution: aggressive funds are optional, not necessary

27:52 Listener success story—laddering cash with CDs for caregiving

33:40 Core advice: avoid irreversible financial decisions

34:49 Liquidity matters—dangers of annuities and illiquid investments

35:55 Wall Street “new ideas” skepticism—most benefit the seller

36:21 Final push: transition to podcast-only format
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]]> Don McDonald d1be7024-2eb4-11f1-b6ec-53e7d8714d3b Tue, 24 Mar 2026 15:00:00 -0400 2348 false Icy Market Icy Market
0:04 Housing market shift and mortgage demand decline

1:18 COVID-era rates and the “locked-in homeowner” effect

2:23 Inventory shortage and collapse in new construction

2:41 Income needed to buy a home jumps dramatically

3:27 First-time buyers getting older and priced out

4:21 Why the housing market feels “frozen”

5:35 Mortgage rates vs. psychological anchoring to 2% loans

6:23 Advice: rent before buying in uncertain markets

7:36 Flexibility in location and housing expectations

9:20 Helping family vs. accepting renting as a long-term solution

10:05 Why homeownership is not a great investment

11:05 Hidden and unpredictable costs of owning vs. renting

11:56 Possible long-term shift toward renting culture

13:46 Robinhood 2% transfer bonus—too good to be true?

15:13 The five-year lockup and real cost of “free money”

16:38 Temptation vs. trust issues with Robinhood

17:18 Listener question on 1929 comparisons

18:25 Why today’s market is fundamentally different from 1929

20:34 Extreme leverage and speculation in the 1920s

22:03 Regulatory differences and modern safeguards

23:32 529 plan to Roth IRA conversion rules explained

24:47 Beneficiary changes reset the 15-year clock

25:29 “Shiny object” behavior and investing mistakes

27:12 Human nature, speculation, and financial decisions
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]]>
0:04 Housing market shift and mortgage demand decline

1:18 COVID-era rates and the “locked-in homeowner” effect

2:23 Inventory shortage and collapse in new construction

2:41 Income needed to buy a home jumps dramatically

3:27 First-time buyers getting older and priced out

4:21 Why the housing market feels “frozen”

5:35 Mortgage rates vs. psychological anchoring to 2% loans

6:23 Advice: rent before buying in uncertain markets

7:36 Flexibility in location and housing expectations

9:20 Helping family vs. accepting renting as a long-term solution

10:05 Why homeownership is not a great investment

11:05 Hidden and unpredictable costs of owning vs. renting

11:56 Possible long-term shift toward renting culture

13:46 Robinhood 2% transfer bonus—too good to be true?

15:13 The five-year lockup and real cost of “free money”

16:38 Temptation vs. trust issues with Robinhood

17:18 Listener question on 1929 comparisons

18:25 Why today’s market is fundamentally different from 1929

20:34 Extreme leverage and speculation in the 1920s

22:03 Regulatory differences and modern safeguards

23:32 529 plan to Roth IRA conversion rules explained

24:47 Beneficiary changes reset the 15-year clock

25:29 “Shiny object” behavior and investing mistakes

27:12 Human nature, speculation, and financial decisions
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]]> Don McDonald 75397362-2eb4-11f1-b6ec-5f4faf24c3d4 Mon, 23 Mar 2026 12:38:00 -0400 1745 false Fewer Q Friday Fewer Q Friday
0:04 Thunderstorm intro and Q&A format setup

1:37 100% stock portfolio—when (and how) to add bonds

5:47 Don’s personal portfolio breakdown and evolution

10:25 Futures markets explained (and why to ignore them)

13:00 When to hire a financial advisor approaching retirement
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]]>
0:04 Thunderstorm intro and Q&A format setup

1:37 100% stock portfolio—when (and how) to add bonds

5:47 Don’s personal portfolio breakdown and evolution

10:25 Futures markets explained (and why to ignore them)

13:00 When to hire a financial advisor approaching retirement
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]]> Don McDonald 27d12b2e-2eb4-11f1-b6ec-f7da93081907 Fri, 20 Mar 2026 12:13:00 -0400 1226 false Optimal Income? Optimal Income?
0:04 The big retirement question: how much can you safely withdraw?

0:32 Morningstar updates the “4% rule” to 3.9%

0:55 Why their baseline uses a conservative 40/60 portfolio

1:59 Overview of multiple withdrawal strategies (guardrails, RMDs, etc.)

3:13 Why rules of thumb fail real people

4:17 Flexible withdrawals vs. fixed income strategies

5:43 Spending more vs. leaving more—values drive the decision

6:36 Why professional planning still matters (even for pros)

7:38 What Morningstar data shows about spending vs. ending balances

9:05 The real key: flexibility in retirement spending

10:22 RMD strategy—high spending, low legacy

12:36 Listener Q: Active vs. index bond funds (yield vs. quality)

15:09 Why bonds are about stability, not returns

17:13 Listener Q: Portfolio allocation math (70/30 breakdown)

17:58 How much international exposure is “right”

19:44 Listener Q: Advisor mistake causing tax penalties

21:20 Should advisors reimburse errors? (yes—and they usually will)
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]]>
0:04 The big retirement question: how much can you safely withdraw?

0:32 Morningstar updates the “4% rule” to 3.9%

0:55 Why their baseline uses a conservative 40/60 portfolio

1:59 Overview of multiple withdrawal strategies (guardrails, RMDs, etc.)

3:13 Why rules of thumb fail real people

4:17 Flexible withdrawals vs. fixed income strategies

5:43 Spending more vs. leaving more—values drive the decision

6:36 Why professional planning still matters (even for pros)

7:38 What Morningstar data shows about spending vs. ending balances

9:05 The real key: flexibility in retirement spending

10:22 RMD strategy—high spending, low legacy

12:36 Listener Q: Active vs. index bond funds (yield vs. quality)

15:09 Why bonds are about stability, not returns

17:13 Listener Q: Portfolio allocation math (70/30 breakdown)

17:58 How much international exposure is “right”

19:44 Listener Q: Advisor mistake causing tax penalties

21:20 Should advisors reimburse errors? (yes—and they usually will)
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]]> Don McDonald d44d96da-2eb4-11f1-b6ec-f78260c4aa48 Thu, 19 Mar 2026 14:27:00 -0400 1628 false Everything Ends Everything Ends
0:04 Major announcement: show leaving radio, moving fully to podcast

0:34 Surprise call from Debbie with emotional tribute

2:13 Reflection on 16 years, trust, and listener impact

3:15 Don and Tom respond to Debbie and reflect on friendship

5:16 Setup: can anyone actually predict a market crash?

6:41 Media fear machine and constant crash headlines

7:44 Kiyosaki’s predictions vs real market performance

9:52 “25 of the last 2 crashes” and the contrarian indicator joke

11:05 Why crash predictions persist and attract attention

12:29 Other fear-based forecasts and why they don’t help investors

13:29 Program note: transition to podcast-only and how to listen

14:32 Caller: rebuilding an emergency fund vs investing

15:58 How to prioritize emergency savings vs brokerage contributions

16:55 Managing risk and asset allocation near retirement

17:32 Caller question: how interaction will work in podcast format

18:57 New system for listener calls and recorded conversations

21:40 HOA story: pressure to invest reserves in complex products

22:54 Explanation of buffered/structured investment products

24:06 Hidden tradeoffs: capped upside, partial downside protection

25:00 Unknown risks and 2008 comparison

25:47 “Do you know who I am?” moment and advisor pushback

27:01 Reality check: no such thing as guaranteed 10% returns

27:27 Simple logic: if 10% were safe, no one would take 4%

28:59 “People lie about money” and incentives in finance

30:12 Listener email: estate planning and Tom’s Starbucks joke

32:09 RetireMeet recording availability and follow-up

34:08 Podcast reach vs YouTube performance

35:28 How to listen and interact with the show going forward
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]]>
0:04 Major announcement: show leaving radio, moving fully to podcast

0:34 Surprise call from Debbie with emotional tribute

2:13 Reflection on 16 years, trust, and listener impact

3:15 Don and Tom respond to Debbie and reflect on friendship

5:16 Setup: can anyone actually predict a market crash?

6:41 Media fear machine and constant crash headlines

7:44 Kiyosaki’s predictions vs real market performance

9:52 “25 of the last 2 crashes” and the contrarian indicator joke

11:05 Why crash predictions persist and attract attention

12:29 Other fear-based forecasts and why they don’t help investors

13:29 Program note: transition to podcast-only and how to listen

14:32 Caller: rebuilding an emergency fund vs investing

15:58 How to prioritize emergency savings vs brokerage contributions

16:55 Managing risk and asset allocation near retirement

17:32 Caller question: how interaction will work in podcast format

18:57 New system for listener calls and recorded conversations

21:40 HOA story: pressure to invest reserves in complex products

22:54 Explanation of buffered/structured investment products

24:06 Hidden tradeoffs: capped upside, partial downside protection

25:00 Unknown risks and 2008 comparison

25:47 “Do you know who I am?” moment and advisor pushback

27:01 Reality check: no such thing as guaranteed 10% returns

27:27 Simple logic: if 10% were safe, no one would take 4%

28:59 “People lie about money” and incentives in finance

30:12 Listener email: estate planning and Tom’s Starbucks joke

32:09 RetireMeet recording availability and follow-up

34:08 Podcast reach vs YouTube performance

35:28 How to listen and interact with the show going forward
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]]> Don McDonald d2528af2-2eb4-11f1-b6ec-3bb32ab5e46c Wed, 18 Mar 2026 14:07:00 -0400 2395 false Retired Broke Retired Broke
0:04 Show moving to podcast-only format; listeners urged to switch now

1:55 RetireMeet recap and airline misery detour

2:44 Retirement reality: few have $1M; rising senior financial distress

4:46 Are 401(k)s a failed experiment? Origins and debate

7:47 Start early: advice for younger savers and families

8:05 Listener JJ: podcast loyalty, missing question glitch

10:47 How call-ins will work after radio show ends

12:06 “Retirement isn’t a switch” — easing into fewer workdays

13:52 Jason: loss of live call-in routine and future logistics

16:53 James (35): starting early and influence of Paul Merriman

20:13 Dave: cost of living, lack of savings, generational habits

23:01 Education gap: financial literacy and modern retirement problem

24:57 Retirement is new: life expectancy and historical context

27:03 Forced savings idea vs behavioral reality

28:11 Caller portfolio: withdrawal strategy, RMDs, tax sequencing

31:59 Importance of personalized planning vs rules of thumb

34:41 Car dealer insight: credit tightening, consumer stress signals

34:59 Market reality: recessions inevitable, timing impossible

36:21 Final push: shift to podcast listening and how to access
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]]>
0:04 Show moving to podcast-only format; listeners urged to switch now

1:55 RetireMeet recap and airline misery detour

2:44 Retirement reality: few have $1M; rising senior financial distress

4:46 Are 401(k)s a failed experiment? Origins and debate

7:47 Start early: advice for younger savers and families

8:05 Listener JJ: podcast loyalty, missing question glitch

10:47 How call-ins will work after radio show ends

12:06 “Retirement isn’t a switch” — easing into fewer workdays

13:52 Jason: loss of live call-in routine and future logistics

16:53 James (35): starting early and influence of Paul Merriman

20:13 Dave: cost of living, lack of savings, generational habits

23:01 Education gap: financial literacy and modern retirement problem

24:57 Retirement is new: life expectancy and historical context

27:03 Forced savings idea vs behavioral reality

28:11 Caller portfolio: withdrawal strategy, RMDs, tax sequencing

31:59 Importance of personalized planning vs rules of thumb

34:41 Car dealer insight: credit tightening, consumer stress signals

34:59 Market reality: recessions inevitable, timing impossible

36:21 Final push: shift to podcast listening and how to access
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]]> Don McDonald cac00e86-2eb4-11f1-b6ec-9389751eff4e Tue, 17 Mar 2026 13:36:00 -0400 2353 false More Questions! More Questions!
0:04 Don realizes the intro still says “radio” even though the show is now mostly a podcast.

0:26 Friday Q&A format explained and reminder to submit questions at TalkingRealMoney.com.

1:00 Question 1: 33-year-old with $330k in a 401(k) invested in opaque “intermediate cycle” and wealth-preservation funds.

2:26 Don explains collective investment trusts (CITs) and why their lack of transparency is problematic.

5:25 Market-timing strategies disguised as “cycle” funds and why simple equity funds may be better.

6:47 Question 2: Listener corrects earlier discussion about transferring securities from investment clubs.

8:37 How in-kind transfers can avoid capital gains when leaving an investment club—depending on club rules and brokerage policies.

10:31 Question 3: Complex Roth conversion strategy involving IRMAA tiers and future tax assumptions.

14:31 Don warns against making large conversions based on predictions about future tax rates.

16:07 Why gradual conversions preserve flexibility compared with large upfront tax bets.

17:28 Question 4: Concern about national debt and whether to replace BND with VTIP (TIPS).

18:56 Don argues markets already price known risks like debt and inflation expectations.

20:11 How TIPS work and when they actually help investors.

21:46 Reminder that emotional reactions to economic fears often lead to bad portfolio decisions.

22:10 Question 5: Using withdrawals from an inherited IRA to fund Roth IRA contributions.

22:52 Strategy: withdraw gradually to fund Roth contributions while staying within tax brackets.

24:15 Don endorses the plan as simple, tax-efficient, and compliant with the 10-year inherited IRA rule.

25:09 Closing comments and reminder to submit questions.
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]]>
0:04 Don realizes the intro still says “radio” even though the show is now mostly a podcast.

0:26 Friday Q&A format explained and reminder to submit questions at TalkingRealMoney.com.

1:00 Question 1: 33-year-old with $330k in a 401(k) invested in opaque “intermediate cycle” and wealth-preservation funds.

2:26 Don explains collective investment trusts (CITs) and why their lack of transparency is problematic.

5:25 Market-timing strategies disguised as “cycle” funds and why simple equity funds may be better.

6:47 Question 2: Listener corrects earlier discussion about transferring securities from investment clubs.

8:37 How in-kind transfers can avoid capital gains when leaving an investment club—depending on club rules and brokerage policies.

10:31 Question 3: Complex Roth conversion strategy involving IRMAA tiers and future tax assumptions.

14:31 Don warns against making large conversions based on predictions about future tax rates.

16:07 Why gradual conversions preserve flexibility compared with large upfront tax bets.

17:28 Question 4: Concern about national debt and whether to replace BND with VTIP (TIPS).

18:56 Don argues markets already price known risks like debt and inflation expectations.

20:11 How TIPS work and when they actually help investors.

21:46 Reminder that emotional reactions to economic fears often lead to bad portfolio decisions.

22:10 Question 5: Using withdrawals from an inherited IRA to fund Roth IRA contributions.

22:52 Strategy: withdraw gradually to fund Roth contributions while staying within tax brackets.

24:15 Don endorses the plan as simple, tax-efficient, and compliant with the 10-year inherited IRA rule.

25:09 Closing comments and reminder to submit questions.
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]]> Don McDonald 784f25c4-2eb4-11f1-b6ec-eb85b500038e Mon, 16 Mar 2026 18:09:00 -0400 1351 false Exchange Traded Gambling Exchange Traded Gambling
0:04 ETFs used to be simple—now Wall Street is turning them into gambling products

1:24 Explosion of new ETFs: 1,000 launched in a year and most offer nothing new

3:07 Why firms are rushing into ETFs: chasing the $1.5 trillion flowing into them

4:23 Leveraged crypto ETFs (like 2× Dogecoin) and how investors lost 70% quickly

6:15 Greed, leverage, and investor behavior driving risky ETF products

7:48 The absurd rise of single-stock ETFs—paying fees to own one stock

8:55 Leveraged commodity ETFs and the danger of massive one-day losses

9:45 Margin speculation and the historical lesson of the 1929 crash

10:31 An ETF is just a wrapper—what’s inside determines whether it’s sensible

11:51 Simple rule: avoid ETFs charging more than about 0.35% annually

12:08 Using Morningstar to check ETF costs and holdings

14:26 AVGE question: how fund-of-fund ETF expenses actually work

16:47 Escaping tax-inefficient mutual funds like American Funds

19:56 Capital Group’s ETF strategy vs traditional loaded mutual funds

22:28 Cost basis rules when transferring accounts between custodians
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]]>
0:04 ETFs used to be simple—now Wall Street is turning them into gambling products

1:24 Explosion of new ETFs: 1,000 launched in a year and most offer nothing new

3:07 Why firms are rushing into ETFs: chasing the $1.5 trillion flowing into them

4:23 Leveraged crypto ETFs (like 2× Dogecoin) and how investors lost 70% quickly

6:15 Greed, leverage, and investor behavior driving risky ETF products

7:48 The absurd rise of single-stock ETFs—paying fees to own one stock

8:55 Leveraged commodity ETFs and the danger of massive one-day losses

9:45 Margin speculation and the historical lesson of the 1929 crash

10:31 An ETF is just a wrapper—what’s inside determines whether it’s sensible

11:51 Simple rule: avoid ETFs charging more than about 0.35% annually

12:08 Using Morningstar to check ETF costs and holdings

14:26 AVGE question: how fund-of-fund ETF expenses actually work

16:47 Escaping tax-inefficient mutual funds like American Funds

19:56 Capital Group’s ETF strategy vs traditional loaded mutual funds

22:28 Cost basis rules when transferring accounts between custodians
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]]> Don McDonald d3c319a6-2eb4-11f1-b6ec-8756a343f9c2 Mon, 16 Mar 2026 13:22:00 -0400 1802 false Questions Four Questions Four
0:05 Friday Q&A intro and reminder to submit voice questions at TalkingRealMoney.com

0:50 Listener asks whether Don and Tom receive commissions for recommending Avantis or Dimensional funds

1:33 Don explains the evidence-based origins of Dimensional and Avantis and confirms there are no commissions or compensation

4:15 Caller asks how to financially plan for a child with a lifelong neurological disability

5:15 Don stresses the importance of working with a special-needs attorney and explains tools like ABLE accounts and special-needs trusts

7:09 Listener asks whether all-in-one funds like VT or AVGE create problems when withdrawing money in retirement

8:27 Don argues simplicity is better than optimization and recommends withdrawing from the portfolio as a whole rather than trying to pick winners

10:49 Teacher retiring at 54 asks whether it makes sense to withdraw from a 457 plan to continue maximizing HSA contributions

12:38 Don explains how using taxable withdrawals to fund an HSA can effectively create a Roth-like tax benefit
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]]>
0:05 Friday Q&A intro and reminder to submit voice questions at TalkingRealMoney.com

0:50 Listener asks whether Don and Tom receive commissions for recommending Avantis or Dimensional funds

1:33 Don explains the evidence-based origins of Dimensional and Avantis and confirms there are no commissions or compensation

4:15 Caller asks how to financially plan for a child with a lifelong neurological disability

5:15 Don stresses the importance of working with a special-needs attorney and explains tools like ABLE accounts and special-needs trusts

7:09 Listener asks whether all-in-one funds like VT or AVGE create problems when withdrawing money in retirement

8:27 Don argues simplicity is better than optimization and recommends withdrawing from the portfolio as a whole rather than trying to pick winners

10:49 Teacher retiring at 54 asks whether it makes sense to withdraw from a 457 plan to continue maximizing HSA contributions

12:38 Don explains how using taxable withdrawals to fund an HSA can effectively create a Roth-like tax benefit
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]]> Don McDonald 99f3f8c6-2eb4-11f1-b6ec-c3e7d018fbf2 Fri, 13 Mar 2026 13:19:00 -0400 1011 false Don't Invest? Don't Invest?
0:04 Jelly bean debate returns: Costco Jelly Belly flavors, jalapeño surprises, and the “Pepto-Bismol” mystery bean

1:58 Inc. article claims you shouldn’t save for retirement

2:45 Entrepreneur Joseph Drups’ “cash-flow over investing” strategy

4:08 The myth of passive income from small businesses

5:46 Valuing a business vs. claiming low net worth

7:17 Reality check: most small businesses fail

10:06 Drups Ventures model and e-commerce brand acquisitions

11:10 The $100/month “Fast FI Club” and selling the system

13:55 Entrepreneurship vs. unrealistic promises of passive income

15:28 Impatience and the risks of chasing quick financial independence

16:44 Listener question: Avantis AVTM vs. AVGE

19:11 What actually defines a “true” index fund

23:06 Bogleheads critique of smart beta and factor strategies

24:08 Evidence for small-cap and value premiums since 1926

27:18 Fees vs. expected factor premiums

28:00 Recency bias and long periods when factors underperform

30:53 Raisin Bran bag conspiracy theory and aging complaints
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]]>
0:04 Jelly bean debate returns: Costco Jelly Belly flavors, jalapeño surprises, and the “Pepto-Bismol” mystery bean

1:58 Inc. article claims you shouldn’t save for retirement

2:45 Entrepreneur Joseph Drups’ “cash-flow over investing” strategy

4:08 The myth of passive income from small businesses

5:46 Valuing a business vs. claiming low net worth

7:17 Reality check: most small businesses fail

10:06 Drups Ventures model and e-commerce brand acquisitions

11:10 The $100/month “Fast FI Club” and selling the system

13:55 Entrepreneurship vs. unrealistic promises of passive income

15:28 Impatience and the risks of chasing quick financial independence

16:44 Listener question: Avantis AVTM vs. AVGE

19:11 What actually defines a “true” index fund

23:06 Bogleheads critique of smart beta and factor strategies

24:08 Evidence for small-cap and value premiums since 1926

27:18 Fees vs. expected factor premiums

28:00 Recency bias and long periods when factors underperform

30:53 Raisin Bran bag conspiracy theory and aging complaints
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]]> Don McDonald d4241d96-2eb4-11f1-b6ec-3f06b285bd9d Thu, 12 Mar 2026 14:30:00 -0400 2110 false Retiremeet 2026 Part Two Retiremeet 2026 Part Two
0:27 Reflections on the event and praise for speakers like Christine Benz and Paul Merriman.

1:54 Growing focus on purpose and lifestyle in retirement, not just money.

3:11 Audience turnout and attendees traveling from across the country for RetireMeet.

3:51 The importance of a holistic approach to retirement planning including relationships and lifestyle.

5:25 Estate planning conversation and the uncomfortable reality of thinking about life after we’re gone.

6:01 How to listen to the podcast and transition from radio listening to podcast apps.

6:41 Introduction of Paul Merriman and discussion of portfolio construction and asset classes.

8:15 Understanding risk tolerance and balancing portfolios for different ages.

9:41 Investor behavior during crises like 2008 and the tech crash of 2000–2002.

10:32 Cap-weighted vs equal-weighted S&P 500 and tax implications.

11:48 Why investors should document how they feel during market highs and lows.

12:06 Using nearly 100 years of market data to understand future volatility.

14:42 The evolution of financial planning from investment management to comprehensive planning.

16:19 Financial education gaps and rising bankruptcy rates among retirees.

18:00 Debate over whether 401(k)s replaced pensions successfully.

20:52 Merriman explains small-cap value investing and why unpopular stocks can outperform.

23:12 Why most investors don’t hold small-cap value despite historical advantages.

26:11 Long-term investing and the importance of patience through underperformance cycles.

28:24 Withdrawal strategy research showing dramatic compounding over long periods.

30:05 Whether future market returns can resemble historical returns.

31:41 The danger of reacting to news headlines and wars when investing.

33:52 Talking Real Money radio show ends in April and shifts to a podcast-only format with five episodes weekly.
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]]>
0:27 Reflections on the event and praise for speakers like Christine Benz and Paul Merriman.

1:54 Growing focus on purpose and lifestyle in retirement, not just money.

3:11 Audience turnout and attendees traveling from across the country for RetireMeet.

3:51 The importance of a holistic approach to retirement planning including relationships and lifestyle.

5:25 Estate planning conversation and the uncomfortable reality of thinking about life after we’re gone.

6:01 How to listen to the podcast and transition from radio listening to podcast apps.

6:41 Introduction of Paul Merriman and discussion of portfolio construction and asset classes.

8:15 Understanding risk tolerance and balancing portfolios for different ages.

9:41 Investor behavior during crises like 2008 and the tech crash of 2000–2002.

10:32 Cap-weighted vs equal-weighted S&P 500 and tax implications.

11:48 Why investors should document how they feel during market highs and lows.

12:06 Using nearly 100 years of market data to understand future volatility.

14:42 The evolution of financial planning from investment management to comprehensive planning.

16:19 Financial education gaps and rising bankruptcy rates among retirees.

18:00 Debate over whether 401(k)s replaced pensions successfully.

20:52 Merriman explains small-cap value investing and why unpopular stocks can outperform.

23:12 Why most investors don’t hold small-cap value despite historical advantages.

26:11 Long-term investing and the importance of patience through underperformance cycles.

28:24 Withdrawal strategy research showing dramatic compounding over long periods.

30:05 Whether future market returns can resemble historical returns.

31:41 The danger of reacting to news headlines and wars when investing.

33:52 Talking Real Money radio show ends in April and shifts to a podcast-only format with five episodes weekly.
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]]> Don McDonald a1dcac0e-2eb4-11f1-b6ec-27dbc65274f6 Wed, 11 Mar 2026 13:40:00 -0400 2253 false Retiremeet 2026 Part One Retiremeet 2026 Part One
0:04 Live broadcast from RetireMeet in Bellevue and show introduction

2:58 Don announces the end of the Saturday live radio show after nearly 40 years

3:59 Transition to a podcast-only format beginning in April

4:43 How listeners can switch to listening via podcast apps or the website

6:41 Introduction of Stacking Benjamins host Joe Saul-Sehy

8:09 Discussion of Stacking Benjamins community meetup groups

9:25 Trivia detour about the $500 bill featuring William McKinley

9:36 Joe’s retirement philosophy: design the life first, then the financial plan

10:56 “Begin with the end in mind” when planning retirement

11:23 The concept of “play-testing” retirement activities before retiring

13:51 Warning about AI impersonation podcasts and fake financial shows

15:20 Joe Saul-Sehy’s career change after selling his advisory firm

16:37 Discovering a passion for teaching about money through media

17:33 Continuing meaningful work rather than fully retiring

18:07 Humor about a future podcast called “Two Old White Guys Waiting to Die”

18:48 Core message: experiment with retirement interests now

19:38 Christine Benz of Morningstar joins the conversation

21:04 Retirement as more than leisure—importance of purpose

21:59 Gradually transitioning into retirement during your 50s

22:58 Shaping work to emphasize what you enjoy most

24:21 Christine’s approach to scaling back work travel

26:22 Lifelong learning through podcasting and interviews

27:49 Whether it’s okay not to retire if you enjoy your work

28:27 Relationships and social connection as the key to retirement happiness

29:40 Introverts and maintaining meaningful friendships

30:05 Research on aging, happiness, and social environments

31:28 Discussion about the future of retirement communities

33:56 Christine’s three key financial steps before retirement

34:42 Calculating retirement spending and non-portfolio income

35:22 Safe withdrawal rates: 3.9% fixed vs flexible strategies near ~5.7%

36:09 The value of fiduciary financial advisors in retirement planning
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]]>
0:04 Live broadcast from RetireMeet in Bellevue and show introduction

2:58 Don announces the end of the Saturday live radio show after nearly 40 years

3:59 Transition to a podcast-only format beginning in April

4:43 How listeners can switch to listening via podcast apps or the website

6:41 Introduction of Stacking Benjamins host Joe Saul-Sehy

8:09 Discussion of Stacking Benjamins community meetup groups

9:25 Trivia detour about the $500 bill featuring William McKinley

9:36 Joe’s retirement philosophy: design the life first, then the financial plan

10:56 “Begin with the end in mind” when planning retirement

11:23 The concept of “play-testing” retirement activities before retiring

13:51 Warning about AI impersonation podcasts and fake financial shows

15:20 Joe Saul-Sehy’s career change after selling his advisory firm

16:37 Discovering a passion for teaching about money through media

17:33 Continuing meaningful work rather than fully retiring

18:07 Humor about a future podcast called “Two Old White Guys Waiting to Die”

18:48 Core message: experiment with retirement interests now

19:38 Christine Benz of Morningstar joins the conversation

21:04 Retirement as more than leisure—importance of purpose

21:59 Gradually transitioning into retirement during your 50s

22:58 Shaping work to emphasize what you enjoy most

24:21 Christine’s approach to scaling back work travel

26:22 Lifelong learning through podcasting and interviews

27:49 Whether it’s okay not to retire if you enjoy your work

28:27 Relationships and social connection as the key to retirement happiness

29:40 Introverts and maintaining meaningful friendships

30:05 Research on aging, happiness, and social environments

31:28 Discussion about the future of retirement communities

33:56 Christine’s three key financial steps before retirement

34:42 Calculating retirement spending and non-portfolio income

35:22 Safe withdrawal rates: 3.9% fixed vs flexible strategies near ~5.7%

36:09 The value of fiduciary financial advisors in retirement planning
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]]> Don McDonald d40d6e70-2eb4-11f1-b6ec-7f79de943294 Tue, 10 Mar 2026 13:51:00 -0400 2251 false The Wisdom of Crowds The Wisdom of Crowds
0:04 Jelly beans and the “wisdom of crowds” analogy

2:24 Prediction markets and why crowds sometimes beat expert forecasts

3:29 Research showing prediction markets rival or outperform professional economists

6:01 Why gamblers may make better predictions than professional forecasters

7:04 Betting on prediction markets themselves and recession/interest-rate predictions

8:08 Why economic predictions ultimately don’t matter for investors

8:19 $1 trillion outflow from active mutual funds and the shift to passive investing

9:39 SPIVA data showing 98% of active funds underperform over 10 years

10:46 Index funds vs “rules-based” or evidence-based funds

11:43 The dramatic shift from active to index investing over the past decades

12:41 Why investors don’t need forecasts to succeed

14:28 Listener question: Asset allocation across taxable, IRA, and Roth accounts

17:14 Listener question: RMD timing and the 5% variable withdrawal strategy

20:36 How the 5% variable withdrawal approach works in retirement

22:36 Listener question: AVUV vs DFAS performance differences

24:48 Why short-term performance comparisons are largely meaningless

26:15 Market timing losses despite a strong 2025 market

27:10 Final reminder: No one can predict the future, not even brokers
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]]>
0:04 Jelly beans and the “wisdom of crowds” analogy

2:24 Prediction markets and why crowds sometimes beat expert forecasts

3:29 Research showing prediction markets rival or outperform professional economists

6:01 Why gamblers may make better predictions than professional forecasters

7:04 Betting on prediction markets themselves and recession/interest-rate predictions

8:08 Why economic predictions ultimately don’t matter for investors

8:19 $1 trillion outflow from active mutual funds and the shift to passive investing

9:39 SPIVA data showing 98% of active funds underperform over 10 years

10:46 Index funds vs “rules-based” or evidence-based funds

11:43 The dramatic shift from active to index investing over the past decades

12:41 Why investors don’t need forecasts to succeed

14:28 Listener question: Asset allocation across taxable, IRA, and Roth accounts

17:14 Listener question: RMD timing and the 5% variable withdrawal strategy

20:36 How the 5% variable withdrawal approach works in retirement

22:36 Listener question: AVUV vs DFAS performance differences

24:48 Why short-term performance comparisons are largely meaningless

26:15 Market timing losses despite a strong 2025 market

27:10 Final reminder: No one can predict the future, not even brokers
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]]> Don McDonald d31bd092-2eb4-11f1-b6ec-5753243a2fc8 Tue, 10 Mar 2026 12:52:00 -0400 1820 false Free Money? Free Money?
0:04 AI panic and Elon Musk’s claim that AI could make retirement savings unnecessary.

1:52 Musk’s vision of AI-driven abundance and universal income replacing traditional retirement planning.

3:36 The practical question: who actually pays for universal income checks?

5:30 Historical tax rates in the 1960s vs. today’s marginal tax structure.

6:21 Survey shows 94% of readers still plan to save despite AI predictions.

7:17 Boston College researchers warn Musk’s comments send a dangerous retirement message.

8:23 Why universal basic income would require major government policy and taxes.

8:45 Past technology revolutions didn’t distribute wealth evenly.

9:27 Why humans need work for purpose, not just income.

10:33 The math problem: even $1,000/month UBI would require about $3.1 trillion annually.

11:54 Historical comparison to the Luddite era and displaced workers.

13:18 Listener question: What “short-term debt and net other assets” mean in a Fidelity target-date fund.

17:38 Listener question: Overfunding a 529 plan and potential Roth rollover strategies.

20:45 Listener question: Using Vanguard Tax-Managed Balanced Fund to reduce taxable distributions.

23:28 Asset location strategy: placing bonds in IRAs and stocks in taxable accounts.

24:49 Where to easily find mutual fund returns using Morningstar.

25:46 Tom’s Scottsdale advisory meetings announcement.

26:45 The crusade against gas-powered leaf blowers.
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]]>
0:04 AI panic and Elon Musk’s claim that AI could make retirement savings unnecessary.

1:52 Musk’s vision of AI-driven abundance and universal income replacing traditional retirement planning.

3:36 The practical question: who actually pays for universal income checks?

5:30 Historical tax rates in the 1960s vs. today’s marginal tax structure.

6:21 Survey shows 94% of readers still plan to save despite AI predictions.

7:17 Boston College researchers warn Musk’s comments send a dangerous retirement message.

8:23 Why universal basic income would require major government policy and taxes.

8:45 Past technology revolutions didn’t distribute wealth evenly.

9:27 Why humans need work for purpose, not just income.

10:33 The math problem: even $1,000/month UBI would require about $3.1 trillion annually.

11:54 Historical comparison to the Luddite era and displaced workers.

13:18 Listener question: What “short-term debt and net other assets” mean in a Fidelity target-date fund.

17:38 Listener question: Overfunding a 529 plan and potential Roth rollover strategies.

20:45 Listener question: Using Vanguard Tax-Managed Balanced Fund to reduce taxable distributions.

23:28 Asset location strategy: placing bonds in IRAs and stocks in taxable accounts.

24:49 Where to easily find mutual fund returns using Morningstar.

25:46 Tom’s Scottsdale advisory meetings announcement.

26:45 The crusade against gas-powered leaf blowers.
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]]> Don McDonald b26749d0-2eb4-11f1-b6ec-abe863e2feeb Thu, 05 Mar 2026 12:00:00 -0500 1674 false Teach Real Investing Teach Real Investing
0:04 Financial education expanding nationwide—but stock-picking contests still dominate curricula.

2:14 Why stock games teach trading, not investing. Own the market instead.

3:32 Federal Reserve curriculum critique—risk scales and “active vs passive” framing.

6:10 Teach teenagers Roth IRAs early. Time is the superpower.

7:36 Questionable risk ratings—growth stocks equated with collectibles.

9:17 Efficient Market Hypothesis in plain English—luck vs insider info.

10:45 529 plans and Roth rollovers—$35K opportunity.

11:37 Compounding example—$35K to nearly $2M tax-free over 40+ years.

15:43 Withdrawing from a Vanguard target-date fund—costs and custodian fees.

20:07 Performance chasing—emerging markets surge after tariff ruling.

23:13 South Korea’s role and Avantis outperformance.

28:40 Helping an elderly parent move a $200K CD—avoid automatic rollovers.
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]]>
0:04 Financial education expanding nationwide—but stock-picking contests still dominate curricula.

2:14 Why stock games teach trading, not investing. Own the market instead.

3:32 Federal Reserve curriculum critique—risk scales and “active vs passive” framing.

6:10 Teach teenagers Roth IRAs early. Time is the superpower.

7:36 Questionable risk ratings—growth stocks equated with collectibles.

9:17 Efficient Market Hypothesis in plain English—luck vs insider info.

10:45 529 plans and Roth rollovers—$35K opportunity.

11:37 Compounding example—$35K to nearly $2M tax-free over 40+ years.

15:43 Withdrawing from a Vanguard target-date fund—costs and custodian fees.

20:07 Performance chasing—emerging markets surge after tariff ruling.

23:13 South Korea’s role and Avantis outperformance.

28:40 Helping an elderly parent move a $200K CD—avoid automatic rollovers.
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]]> Don McDonald ae431762-2eb4-11f1-b6ec-6f05fdaec24a Wed, 04 Mar 2026 12:00:00 -0500 2350 false With the Cost? With the Cost?
0:04 Beating the market. Four decades of “sure things” that weren’t.

2:44 Equal-weight vs. cap-weight. Smart idea… until costs show up.

4:58 Why diversify beyond the S&P 500. Smooth ride over bragging rights.

6:03 Theory vs. reality. Execution costs ruin beautiful strategies.

7:30 Active managers as “teammates.” The SPIVA reality check.

15:43 Small-business 401(k)s. More options, Vanguard pricing breakdown.

20:59 Caller Dan: Rebalancing a $3M portfolio. Simplicity wins.

28:33 Caller Glenn: “My brother beats the market.” Luck vs. skill.

33:56 Caller Dale: Virtual access and post-event recordings.
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]]>
0:04 Beating the market. Four decades of “sure things” that weren’t.

2:44 Equal-weight vs. cap-weight. Smart idea… until costs show up.

4:58 Why diversify beyond the S&P 500. Smooth ride over bragging rights.

6:03 Theory vs. reality. Execution costs ruin beautiful strategies.

7:30 Active managers as “teammates.” The SPIVA reality check.

15:43 Small-business 401(k)s. More options, Vanguard pricing breakdown.

20:59 Caller Dan: Rebalancing a $3M portfolio. Simplicity wins.

28:33 Caller Glenn: “My brother beats the market.” Luck vs. skill.

33:56 Caller Dale: Virtual access and post-event recordings.
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]]> Don McDonald 6621f980-2eb4-11f1-b6ec-87c344322180 Tue, 03 Mar 2026 12:57:00 -0500 2347 false Funds or Ladders? Funds or Ladders?
0:04 Bonds vs. crypto — why fixed income feels boring but matters

1:02 Why bonds exist in portfolios (stability, income, not growth)

2:18 Introduction to laddered bond ETFs (Invesco, iShares, Vanguard)

3:51 Bond returns in 2025 and the “don’t expect capital gains” rule

5:03 The psychological problem with bond funds (they never mature)

6:54 How target-maturity bond ETFs differ from traditional bond funds

11:28 Yield comparisons across laddered maturities vs. BND

13:14 When laddered ETFs might make sense (income timing, certainty)

15:09 Dimensional Fund Advisors reaches $1 trillion in assets

19:57 Listener: Laddering target-date funds instead of bonds

23:19 Listener: Transferring IRA and taxable accounts to Vanguard
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]]>
0:04 Bonds vs. crypto — why fixed income feels boring but matters

1:02 Why bonds exist in portfolios (stability, income, not growth)

2:18 Introduction to laddered bond ETFs (Invesco, iShares, Vanguard)

3:51 Bond returns in 2025 and the “don’t expect capital gains” rule

5:03 The psychological problem with bond funds (they never mature)

6:54 How target-maturity bond ETFs differ from traditional bond funds

11:28 Yield comparisons across laddered maturities vs. BND

13:14 When laddered ETFs might make sense (income timing, certainty)

15:09 Dimensional Fund Advisors reaches $1 trillion in assets

19:57 Listener: Laddering target-date funds instead of bonds

23:19 Listener: Transferring IRA and taxable accounts to Vanguard
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]]> Don McDonald d2e9f66c-2eb4-11f1-b6ec-e32618c1067d Mon, 02 Mar 2026 12:16:00 -0500 1909 false More Qs reQuired More Qs reQuired
0:09 Fewer recorded questions lately and how to submit them

1:41 Seattle city employee overweighted in international stocks

3:36 Why “historic pivots” and gut feelings aren’t an investing edge

4:50 Target-date fund vs. self-built allocation

7:27 Using small-cap/value funds alongside a target-date fund

9:15 Risk tolerance vs. emotional market timing

10:53 How much term life insurance is enough?

12:35 Replacing income vs. funding lifestyle extras

12:44 Aggressive Avantis (AVGV/AVGE/AVNV/DFAW) portfolio review

15:50 What happens if your portfolio drops 50%?

17:10 Pension choice: $36k annuity vs. $500k lump sum

21:29 The 41-year math on the lump-sum difference

22:52 Why lump sum often makes you the “insurance company”
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]]>
0:09 Fewer recorded questions lately and how to submit them

1:41 Seattle city employee overweighted in international stocks

3:36 Why “historic pivots” and gut feelings aren’t an investing edge

4:50 Target-date fund vs. self-built allocation

7:27 Using small-cap/value funds alongside a target-date fund

9:15 Risk tolerance vs. emotional market timing

10:53 How much term life insurance is enough?

12:35 Replacing income vs. funding lifestyle extras

12:44 Aggressive Avantis (AVGV/AVGE/AVNV/DFAW) portfolio review

15:50 What happens if your portfolio drops 50%?

17:10 Pension choice: $36k annuity vs. $500k lump sum

21:29 The 41-year math on the lump-sum difference

22:52 Why lump sum often makes you the “insurance company”
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]]> Don McDonald c0644484-2eb4-11f1-b6ec-ef133b11bd5a Mon, 02 Mar 2026 11:46:00 -0500 1511 false Slicing Fees Slicing Fees
0:04 Vanguard cuts fees again — average expense ratio now 0.06%

3:43 What expense ratios really are (and how many investors unknowingly overpay)

5:00 The shockers: ETFs charging 2% to 14% annually

11:13 Comparing Vanguard index costs vs. Avantis and Dimensional factor funds

14:41 Why anything above ~0.35% for passive/rules-based investing is likely too much

16:03 The “Militia” ETF: 14% fee, poker background, no real track record

19:46 Listener: Increasing international exposure inside IRA/Roth

21:35 Clarifying fund-of-funds vs. multiple funds for rebalancing

23:18 Why Avantis and Dimensional include mid-cap, REITs, and bonds

27:25 Evidence-based investing isn’t just about returns — it’s about correlation and volatility control
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]]>
0:04 Vanguard cuts fees again — average expense ratio now 0.06%

3:43 What expense ratios really are (and how many investors unknowingly overpay)

5:00 The shockers: ETFs charging 2% to 14% annually

11:13 Comparing Vanguard index costs vs. Avantis and Dimensional factor funds

14:41 Why anything above ~0.35% for passive/rules-based investing is likely too much

16:03 The “Militia” ETF: 14% fee, poker background, no real track record

19:46 Listener: Increasing international exposure inside IRA/Roth

21:35 Clarifying fund-of-funds vs. multiple funds for rebalancing

23:18 Why Avantis and Dimensional include mid-cap, REITs, and bonds

27:25 Evidence-based investing isn’t just about returns — it’s about correlation and volatility control
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]]> Don McDonald 9cc587a4-2eb4-11f1-b6ec-3b8befdbb581 Thu, 26 Feb 2026 13:51:00 -0500 1851 false It's One Portfolio It's One Portfolio
0:04 AVGE vs. AVGV — why adding global value can offset a 401(k)’s large-cap bias

5:02 Think one portfolio — asset allocation should span every account

8:18 2045 vs. 2060 target-date funds — only take the risk you actually need

11:20 Crypto challenge — utility, politics, and “I’m up” aren’t investment theses

14:48 SCHD in a Roth — dividend chasing and why bonds usually don’t belong there

18:54 Roth contribution ideas — avoid overlap, consider value exposure

20:11 Selling an individual muni — bid/ask spreads and the case for just holding

26:50 The UFO ETF — defense stocks wrapped in alien hype

31:01 $800B in thematic ETFs — headlines aren’t a strategy
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]]>
0:04 AVGE vs. AVGV — why adding global value can offset a 401(k)’s large-cap bias

5:02 Think one portfolio — asset allocation should span every account

8:18 2045 vs. 2060 target-date funds — only take the risk you actually need

11:20 Crypto challenge — utility, politics, and “I’m up” aren’t investment theses

14:48 SCHD in a Roth — dividend chasing and why bonds usually don’t belong there

18:54 Roth contribution ideas — avoid overlap, consider value exposure

20:11 Selling an individual muni — bid/ask spreads and the case for just holding

26:50 The UFO ETF — defense stocks wrapped in alien hype

31:01 $800B in thematic ETFs — headlines aren’t a strategy
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]]> Don McDonald d3f1f2e4-2eb4-11f1-b6ec-975389461e36 Wed, 25 Feb 2026 13:19:00 -0500 2355 false Rules of Thumb Rules of Thumb
0:04 What “rule of thumb” really means and why investing is full of them

2:17 60/40, 100-minus-age, and why simple formulas fall short

3:16 Yale professor James Choi’s personalized allocation formula

4:35 Why a 25-year-old probably should be nearly 100% in stocks

6:25 Spreadsheets vs. real-world investors

9:39 Portugal caller: funding a daughter’s car purchase tax-efficiently

13:28 Roth conversions, 12% bracket strategy, and zero capital gains planning

16:46 Rebalancing opportunity: selling VTI vs. Schwab Intelligent Portfolio

19:16 Private credit warning: liquidity restrictions at Blue Owl Capital

23:45 The illusion of “safe” high returns in private lending

26:53 IRA withdrawal strategy: sell winners when rebalancing

29:35 Annual vs. monthly withdrawal discipline

31:34 60/40 vs. 70/30 — how much difference really matters

33:32 Retirement income simplification: fewer funds, easier rebalancing

34:48 Seattle caller: $1.45M in money market and market-timing temptation

36:18 Why market timing fails and when an advisor earns their keep
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]]>
0:04 What “rule of thumb” really means and why investing is full of them

2:17 60/40, 100-minus-age, and why simple formulas fall short

3:16 Yale professor James Choi’s personalized allocation formula

4:35 Why a 25-year-old probably should be nearly 100% in stocks

6:25 Spreadsheets vs. real-world investors

9:39 Portugal caller: funding a daughter’s car purchase tax-efficiently

13:28 Roth conversions, 12% bracket strategy, and zero capital gains planning

16:46 Rebalancing opportunity: selling VTI vs. Schwab Intelligent Portfolio

19:16 Private credit warning: liquidity restrictions at Blue Owl Capital

23:45 The illusion of “safe” high returns in private lending

26:53 IRA withdrawal strategy: sell winners when rebalancing

29:35 Annual vs. monthly withdrawal discipline

31:34 60/40 vs. 70/30 — how much difference really matters

33:32 Retirement income simplification: fewer funds, easier rebalancing

34:48 Seattle caller: $1.45M in money market and market-timing temptation

36:18 Why market timing fails and when an advisor earns their keep
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]]> Don McDonald 99762dc4-2eb4-11f1-b6ec-17b3e66e6d9f Tue, 24 Feb 2026 14:47:00 -0500 2348 false Extra Income? Extra Income?
0:04 Old guys still podcasting intro

1:38 Kiplinger’s retiree side-gig list

3:26 Executive coaching reality check

4:40 AI and tech consulting skepticism

6:32 Consulting and client ego problems

7:53 AI vs. content writers

9:06 Bookkeeping for small businesses

9:29 Online selling isn’t easy money

11:19 Tutoring as a steady option

12:17 Handyman work pays well

13:44 Tour guide opportunities

14:17 Landlord myth of “passive” income

16:00 Where to find side gigs

16:47 Bridge jobs for healthcare

17:08 Purpose-driven retirement

19:14 Private credit and alternative risks

23:46 Consolidating multiple 401(k)s
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]]>
0:04 Old guys still podcasting intro

1:38 Kiplinger’s retiree side-gig list

3:26 Executive coaching reality check

4:40 AI and tech consulting skepticism

6:32 Consulting and client ego problems

7:53 AI vs. content writers

9:06 Bookkeeping for small businesses

9:29 Online selling isn’t easy money

11:19 Tutoring as a steady option

12:17 Handyman work pays well

13:44 Tour guide opportunities

14:17 Landlord myth of “passive” income

16:00 Where to find side gigs

16:47 Bridge jobs for healthcare

17:08 Purpose-driven retirement

19:14 Private credit and alternative risks

23:46 Consolidating multiple 401(k)s
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]]> Don McDonald d1a4e23a-2eb4-11f1-b6ec-33f35a886af3 Mon, 23 Feb 2026 12:34:00 -0500 1786 false Crypto Qs Return Crypto Qs Return
0:04 Crypto episode follow-up, listener call surge, and AI voice processing update

1:52 Fidelity’s new stablecoin FIDD — why it’s pointless for investors

3:41 City retirement plan dilemma: conditional 401k match vs. Roth 457 flexibility

8:24 When complicated employer matches aren’t worth the hoops

9:31 Helping an 85-year-old move idle savings — high-yield savings vs. brokerage

11:40 Janus mid-cap fund capital gains surprise and ETF tax efficiency

13:11 Why mid-cap alone isn’t diversification — broader ETF alternatives

15:19 Bitcoin Bob returns: currency vs. commodity vs. “store of wealth”

19:53 Volatility reality check — why Bitcoin fails the store-of-wealth test
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]]>
0:04 Crypto episode follow-up, listener call surge, and AI voice processing update

1:52 Fidelity’s new stablecoin FIDD — why it’s pointless for investors

3:41 City retirement plan dilemma: conditional 401k match vs. Roth 457 flexibility

8:24 When complicated employer matches aren’t worth the hoops

9:31 Helping an 85-year-old move idle savings — high-yield savings vs. brokerage

11:40 Janus mid-cap fund capital gains surprise and ETF tax efficiency

13:11 Why mid-cap alone isn’t diversification — broader ETF alternatives

15:19 Bitcoin Bob returns: currency vs. commodity vs. “store of wealth”

19:53 Volatility reality check — why Bitcoin fails the store-of-wealth test
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]]> Don McDonald d43900da-2eb4-11f1-b6ec-4ba1137db13d Fri, 20 Feb 2026 11:33:00 -0500 1350 false Going So Low Going So Low
0:04 Vanguard cuts fees again — average expense ratio now just 0.06%

1:23 Brief detour into model aircraft before returning to money talk

3:43 Fund expense ratios explained — what investors are really paying

5:00 The shock factor: ETFs charging 12%–14% annually

10:08 Why ultra-high expense ratios are nearly impossible to justify

11:13 Vanguard vs. factor funds — why Avantis and Dimensional cost more

14:41 The invisible cost problem — how expense ratios quietly drain returns

16:03 Militia Long Short ETF (ORR) — high fees, no track record

21:02 Listener question: Increasing international exposure inside IRAs

23:03 One fund vs. multiple funds in taxable accounts — rebalancing clarification

24:09 Why Dimensional and Avantis offer mid-cap, REIT, and bond funds

25:51 Evidence-based diversification beyond equities
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]]>
0:04 Vanguard cuts fees again — average expense ratio now just 0.06%

1:23 Brief detour into model aircraft before returning to money talk

3:43 Fund expense ratios explained — what investors are really paying

5:00 The shock factor: ETFs charging 12%–14% annually

10:08 Why ultra-high expense ratios are nearly impossible to justify

11:13 Vanguard vs. factor funds — why Avantis and Dimensional cost more

14:41 The invisible cost problem — how expense ratios quietly drain returns

16:03 Militia Long Short ETF (ORR) — high fees, no track record

21:02 Listener question: Increasing international exposure inside IRAs

23:03 One fund vs. multiple funds in taxable accounts — rebalancing clarification

24:09 Why Dimensional and Avantis offer mid-cap, REIT, and bond funds

25:51 Evidence-based diversification beyond equities
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]]> Don McDonald d189f164-2eb4-11f1-b6ec-4350fbe30fe0 Thu, 19 Feb 2026 13:11:00 -0500 2332 false Even 500 Is Too Few Even 500 Is Too Few
0:04 Technical chaos intro and why better investing still matters

1:32 S&P 500 concentration risk and the “Magnificent Seven” problem

2:40 The dangerous “but” in diversification pitches

3:43 Small, value, and momentum factors explained briefly

5:33 Active management as narrative creation

9:57 Bitcoin vs. U.S. dollar as currency vs. investment

13:29 What actually makes something an investment

15:08 Bond ETFs for retirement years 5–8: BND vs. Avantis

17:42 Why bond fund size and expenses matter

21:36 Active bond ETFs, credit risk, and hidden tradeoffs

25:38 401(k) catch-up contributions clarified

30:21 Roth conversions, RMD strategy, and tax math realities

34:09 IRMAA considerations and Medicare premium surprises
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]]>
0:04 Technical chaos intro and why better investing still matters

1:32 S&P 500 concentration risk and the “Magnificent Seven” problem

2:40 The dangerous “but” in diversification pitches

3:43 Small, value, and momentum factors explained briefly

5:33 Active management as narrative creation

9:57 Bitcoin vs. U.S. dollar as currency vs. investment

13:29 What actually makes something an investment

15:08 Bond ETFs for retirement years 5–8: BND vs. Avantis

17:42 Why bond fund size and expenses matter

21:36 Active bond ETFs, credit risk, and hidden tradeoffs

25:38 401(k) catch-up contributions clarified

30:21 Roth conversions, RMD strategy, and tax math realities

34:09 IRMAA considerations and Medicare premium surprises
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]]> Don McDonald c8fd3402-2eb4-11f1-b6ec-2f613b0f6f5c Wed, 18 Feb 2026 14:50:00 -0500 2415 false Over Active? Over Active?
0:04 Investing in a “wonderful world” by ignoring noise

1:14 AI audio tools that may replace editors (and shorten meetings)

5:06 Morningstar’s 2026 “Best Core Funds” list shifts toward indexing

6:39 Why “core” still means large-cap heavy and incomplete diversification

9:50 The problem with piling into multiple S&P 500 funds

12:14 Why Dimensional and Avantis are missing from the list

13:26 One-fund global solutions: DFAW, AVGE, AVGV

17:44 Listener analogy: aggressive driving vs. active investing

19:08 IRA question: Switching from AVGE to AVGV and risk tolerance

20:34 32-year-old’s 401(k) allocation and using a Roth IRA to add small/value

28:40 Retirement workshop plug and who should attend

30:21 Free fiduciary advice vs. actually hiring an advisor
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]]>
0:04 Investing in a “wonderful world” by ignoring noise

1:14 AI audio tools that may replace editors (and shorten meetings)

5:06 Morningstar’s 2026 “Best Core Funds” list shifts toward indexing

6:39 Why “core” still means large-cap heavy and incomplete diversification

9:50 The problem with piling into multiple S&P 500 funds

12:14 Why Dimensional and Avantis are missing from the list

13:26 One-fund global solutions: DFAW, AVGE, AVGV

17:44 Listener analogy: aggressive driving vs. active investing

19:08 IRA question: Switching from AVGE to AVGV and risk tolerance

20:34 32-year-old’s 401(k) allocation and using a Roth IRA to add small/value

28:40 Retirement workshop plug and who should attend

30:21 Free fiduciary advice vs. actually hiring an advisor
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]]> Don McDonald d393d628-2eb4-11f1-b6ec-fb330b808f06 Tue, 17 Feb 2026 13:40:00 -0500 1983 false Nicer Qs Nicer Qs
0:04 Friday intro and new AI tool that dramatically improves caller audio quality

2:01 Whole life conversion offer after disability — “free” premiums and what to demand in writing

5:57 How to submit spoken questions and call-in info

6:22 After a parent’s death: credit freezes, deceased alerts, and final credit reports

7:41 Inheriting POD accounts and an IRA — step-up in basis and the 10-year IRA rule

9:57 AVGE vs. AVGV fake-out and real question: bond “trough” strategy in retirement

11:24 Logical vs. emotional risk tolerance — why most retirees can’t handle 50% drawdowns

13:40 Retiring internationally (Mexico example) — IRAs abroad, tax treaties, and practical
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]]>
0:04 Friday intro and new AI tool that dramatically improves caller audio quality

2:01 Whole life conversion offer after disability — “free” premiums and what to demand in writing

5:57 How to submit spoken questions and call-in info

6:22 After a parent’s death: credit freezes, deceased alerts, and final credit reports

7:41 Inheriting POD accounts and an IRA — step-up in basis and the 10-year IRA rule

9:57 AVGE vs. AVGV fake-out and real question: bond “trough” strategy in retirement

11:24 Logical vs. emotional risk tolerance — why most retirees can’t handle 50% drawdowns

13:40 Retiring internationally (Mexico example) — IRAs abroad, tax treaties, and practical
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]]> Don McDonald 37f4e7ac-2eb4-11f1-b6ec-575cd92713e0 Fri, 13 Feb 2026 13:18:00 -0500 1112 false Know You Can't Know Know You Can't Know
0:00 The podcast that never ends; investors hate uncertainty

1:19 Jason Zweig revisits 2008 and the permanence of market uncertainty

3:16 Calm markets, speculative behavior, and the rise of prediction markets

6:00 “Play money” accounts and the danger of confusing gambling with investing

8:18 Take the risk you need—not the risk you want

9:05 Writing down how you feel during downturns

11:51 Listener question: Rebalancing and creating an Investment Policy Statement

17:09 25-year-old portfolio review: Too much complexity, wrong tilts

20:27 International small-cap choice: AVDV vs. AVDS

23:26 Custodial accounts for teens and the Roth IRA opportunity

26:10 RetireMeet 2026 promotion and event details
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]]>
0:00 The podcast that never ends; investors hate uncertainty

1:19 Jason Zweig revisits 2008 and the permanence of market uncertainty

3:16 Calm markets, speculative behavior, and the rise of prediction markets

6:00 “Play money” accounts and the danger of confusing gambling with investing

8:18 Take the risk you need—not the risk you want

9:05 Writing down how you feel during downturns

11:51 Listener question: Rebalancing and creating an Investment Policy Statement

17:09 25-year-old portfolio review: Too much complexity, wrong tilts

20:27 International small-cap choice: AVDV vs. AVDS

23:26 Custodial accounts for teens and the Roth IRA opportunity

26:10 RetireMeet 2026 promotion and event details
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]]> Don McDonald d3d85bcc-2eb4-11f1-b6ec-6f3ac24784a0 Thu, 12 Feb 2026 14:00:00 -0500 1902 false When Dull is Desirable When Dull is Desirable
0:04 Bitcoin paycheck scenario and real-world income collapse

1:04 Currency volatility vs. household budgeting reality

2:22 Bitcoin’s 45% drop and “currency vs. speculation” argument

3:24 Hyperinflation examples and why stability matters

4:03 “Greater fool” theory and vanishing crypto hype

4:47 Why Bitcoin fails as a functional currency

5:59 Tulip mania and historical bubbles comparison

6:59 Tangible assets vs. pure speculation

7:39 “At least you can live in a house” argument

8:26 Michael Saylor, HODL culture, and empty promises

9:30 NFT collapse and Beeple example

10:11 Crypto returns vs. real assets

11:14 Listener question: CDs vs. Treasuries

12:22 Current CD rates and Bankrate reference

13:56 Risks of long-term bonds and rate changes

15:32 Don’s real CD ladder example

16:37 Fixed income diversification strategy

18:35 Hot money leaving crypto for prediction markets

19:45 Generational blind spots and bubble psychology

21:08 Retirement planning call: housing proceeds and savings

23:57 Social Security timing and cash-flow planning

25:41 Importance of fee-only fiduciary planning

27:32 Vernita Toll Bridge digression (classic TRM)

30:33 Estate planning: wills vs. trusts

33:49 RetireMeet promotion and resources

35:43 FIRE listener call: saving vs. living balance

38:58 Permission to spend responsibly
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]]>
0:04 Bitcoin paycheck scenario and real-world income collapse

1:04 Currency volatility vs. household budgeting reality

2:22 Bitcoin’s 45% drop and “currency vs. speculation” argument

3:24 Hyperinflation examples and why stability matters

4:03 “Greater fool” theory and vanishing crypto hype

4:47 Why Bitcoin fails as a functional currency

5:59 Tulip mania and historical bubbles comparison

6:59 Tangible assets vs. pure speculation

7:39 “At least you can live in a house” argument

8:26 Michael Saylor, HODL culture, and empty promises

9:30 NFT collapse and Beeple example

10:11 Crypto returns vs. real assets

11:14 Listener question: CDs vs. Treasuries

12:22 Current CD rates and Bankrate reference

13:56 Risks of long-term bonds and rate changes

15:32 Don’s real CD ladder example

16:37 Fixed income diversification strategy

18:35 Hot money leaving crypto for prediction markets

19:45 Generational blind spots and bubble psychology

21:08 Retirement planning call: housing proceeds and savings

23:57 Social Security timing and cash-flow planning

25:41 Importance of fee-only fiduciary planning

27:32 Vernita Toll Bridge digression (classic TRM)

30:33 Estate planning: wills vs. trusts

33:49 RetireMeet promotion and resources

35:43 FIRE listener call: saving vs. living balance

38:58 Permission to spend responsibly
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]]> Don McDonald b316fcb8-2eb4-11f1-b6ec-e739a3339259 Wed, 11 Feb 2026 12:57:00 -0500 2460 false A Better Way A Better Way
0:59 Robinhood and Palantir slide—speculators start getting nervous

1:39 Jason Zweig on low-volatility funds—and why timing them is a trap

1:55 Why the Dow is a terrible “index” built on 1890s math

3:22 Diversified portfolios quietly up nearly 6% YTD in early 2026

3:32 Small-cap value up 13%—the payoff of long-term discipline

4:05 “We didn’t predict this”—why diversification beats market bragging

4:54 Portfolios should already be built for downturns

5:10 The danger of reacting after markets “stumble”

7:09 Average vs. median net worth—why averages mislead

8:26 How billionaires distort financial statistics

9:09 “Lies, damned lies, and statistics” origins

10:06 AI-enhanced listener call audio and Friday Q&A podcast

10:37 DFFVX vs. AVUV—Dimensional vs. Avantis small-cap value

13:33 Why track records don’t matter for similar funds

13:53 Super Bowl sirloin cooking advice

15:17 Whole life insurance review—why to cash out in retirement

17:08 When cash-value insurance makes sense (rarely)

19:22 Surprise downloads of Christmas stories in February

20:57 Caller asks about “set-it-and-forget-it” investing

24:26 Risk tolerance when retiring soon

26:08 Using AVGE for global diversification

27:48 Why near-retirees should get professional reviews

30:28 Emergency funds—never use a Roth

31:37 High-yield savings accounts around 4%+

34:11 Portfolio balance and realistic expectations
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]]>
0:59 Robinhood and Palantir slide—speculators start getting nervous

1:39 Jason Zweig on low-volatility funds—and why timing them is a trap

1:55 Why the Dow is a terrible “index” built on 1890s math

3:22 Diversified portfolios quietly up nearly 6% YTD in early 2026

3:32 Small-cap value up 13%—the payoff of long-term discipline

4:05 “We didn’t predict this”—why diversification beats market bragging

4:54 Portfolios should already be built for downturns

5:10 The danger of reacting after markets “stumble”

7:09 Average vs. median net worth—why averages mislead

8:26 How billionaires distort financial statistics

9:09 “Lies, damned lies, and statistics” origins

10:06 AI-enhanced listener call audio and Friday Q&A podcast

10:37 DFFVX vs. AVUV—Dimensional vs. Avantis small-cap value

13:33 Why track records don’t matter for similar funds

13:53 Super Bowl sirloin cooking advice

15:17 Whole life insurance review—why to cash out in retirement

17:08 When cash-value insurance makes sense (rarely)

19:22 Surprise downloads of Christmas stories in February

20:57 Caller asks about “set-it-and-forget-it” investing

24:26 Risk tolerance when retiring soon

26:08 Using AVGE for global diversification

27:48 Why near-retirees should get professional reviews

30:28 Emergency funds—never use a Roth

31:37 High-yield savings accounts around 4%+

34:11 Portfolio balance and realistic expectations
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]]> Don McDonald 687a69ec-2eb4-11f1-b6ec-035c82cedb71 Tue, 10 Feb 2026 13:14:00 -0500 2357 false Alternative Employment Alternative Employment
0:04 Why this episode is about earning money, not just investing

0:31 Encouraging parents to rethink college-only career paths

1:15 AI, layoffs, and the shrinking white-collar job market

2:32 Crash Champions and the rise of service advisor careers

3:31 Don’s dealership days and why he left the car business

5:12 Learning to drive stick shift the hard way

6:46 Apprenticeships, $60K starting pay, and growth potential

7:34 Work-life balance in blue-collar vs. white-collar jobs

8:36 Why contractors struggle with communication and planning

9:05 Demand for skilled trades and handyman services

9:47 Labor shortages: factory, construction, and auto techs

10:36 Demographics and the retirement of skilled workers

11:35 Pensions, unions, and taking responsibility for retirement

12:45 Finding yourself in your 20s and career experimentation

13:04 New Tales Told plug and early radio career story

14:23 Listener: Robinhood bonuses and disciplined investing

15:41 Why Robinhood encourages risky behavior

17:23 Listener: Becoming a financial advisor at 55

18:31 Barriers to entry and starting an independent RIA

19:14 Why people skills matter more than math skills

20:45 How AI will reshape the advisory profession

22:07 Shift from brokerage to fiduciary advising

23:18 Listener: Switching from AVGE to AVGV

24:47 Risk tolerance and fund volatility

26:31 Splitting funds and managing behavioral risk
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]]>
0:04 Why this episode is about earning money, not just investing

0:31 Encouraging parents to rethink college-only career paths

1:15 AI, layoffs, and the shrinking white-collar job market

2:32 Crash Champions and the rise of service advisor careers

3:31 Don’s dealership days and why he left the car business

5:12 Learning to drive stick shift the hard way

6:46 Apprenticeships, $60K starting pay, and growth potential

7:34 Work-life balance in blue-collar vs. white-collar jobs

8:36 Why contractors struggle with communication and planning

9:05 Demand for skilled trades and handyman services

9:47 Labor shortages: factory, construction, and auto techs

10:36 Demographics and the retirement of skilled workers

11:35 Pensions, unions, and taking responsibility for retirement

12:45 Finding yourself in your 20s and career experimentation

13:04 New Tales Told plug and early radio career story

14:23 Listener: Robinhood bonuses and disciplined investing

15:41 Why Robinhood encourages risky behavior

17:23 Listener: Becoming a financial advisor at 55

18:31 Barriers to entry and starting an independent RIA

19:14 Why people skills matter more than math skills

20:45 How AI will reshape the advisory profession

22:07 Shift from brokerage to fiduciary advising

23:18 Listener: Switching from AVGE to AVGV

24:47 Risk tolerance and fund volatility

26:31 Splitting funds and managing behavioral risk
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]]> Don McDonald 291ec284-2eb4-11f1-b6ec-dfd655fe14cb Mon, 09 Feb 2026 14:15:00 -0500 1874 false Nice, Warm Questions Nice, Warm Questions
Note: listener call audio has been enhanced with a new tool, making callers sound almost like they’re in the studio. Let us know what you think.

0:04 Podcast vs. radio intro, Friday Q&A format, and improved caller audio quality

1:00 How listeners submit questions through TalkingRealMoney.com

1:44 33-year-old with $330K in a 401(k) and confusing collective investment trusts

4:26 Why “intermediate cycle” funds are market timing in disguise

6:47 Investment club withdrawals and in-kind transfers after Schwab/TD merger

9:23 Why there’s no universal rule for investment club distributions

9:58 Complex Roth conversion plan and IRMAA concerns

14:31 Why large Roth conversions rely too heavily on tax predictions

16:59 The case for slow, flexible, incremental conversions

17:28 National debt fears and switching from BND to TIPS

20:47 When TIPS actually help and why panic reallocations fail

21:46 Emotional control as the core investing skill

22:10 Inherited IRA strategy to fund Roth contributions

24:15 Why spreading withdrawals over 10 years makes sense

25:09 Listener growth, competition with Stacking Benjamins, and call to action
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]]>
Note: listener call audio has been enhanced with a new tool, making callers sound almost like they’re in the studio. Let us know what you think.

0:04 Podcast vs. radio intro, Friday Q&A format, and improved caller audio quality

1:00 How listeners submit questions through TalkingRealMoney.com

1:44 33-year-old with $330K in a 401(k) and confusing collective investment trusts

4:26 Why “intermediate cycle” funds are market timing in disguise

6:47 Investment club withdrawals and in-kind transfers after Schwab/TD merger

9:23 Why there’s no universal rule for investment club distributions

9:58 Complex Roth conversion plan and IRMAA concerns

14:31 Why large Roth conversions rely too heavily on tax predictions

16:59 The case for slow, flexible, incremental conversions

17:28 National debt fears and switching from BND to TIPS

20:47 When TIPS actually help and why panic reallocations fail

21:46 Emotional control as the core investing skill

22:10 Inherited IRA strategy to fund Roth contributions

24:15 Why spreading withdrawals over 10 years makes sense

25:09 Listener growth, competition with Stacking Benjamins, and call to action
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]]> Don McDonald 5d7356da-2eb4-11f1-b6ec-97fafa42ab01 Fri, 06 Feb 2026 13:10:00 -0500 1629 false Don't Stop Saving Don't Stop Saving
0:04 Fear of AI and its supposed impact on money and jobs

1:52 Elon Musk’s claim that retirement saving will become irrelevant

2:59 Why billionaires don’t like sharing wealth

4:29 Historical tax rates and wealth distribution

6:21 Business Insider survey: 94% still plan to save

8:45 Why tech revolutions don’t eliminate financial risk

9:59 Work, purpose, and retirement psychology

10:33 Universal basic income math and tax reality

11:54 Luddites and historical job displacement

12:55 Listener questions segment begins

13:18 HSA invested in Fidelity target-date fund

17:38 Overfunded 529 plans and Roth rollover rules

20:45 Taxable account strategy and balanced funds

23:28 Asset location and tax efficiency

24:49 Finding fund returns on Morningstar

25:46 Tom’s Scottsdale meetings

26:45 War on gas-powered leaf blowers
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]]>
0:04 Fear of AI and its supposed impact on money and jobs

1:52 Elon Musk’s claim that retirement saving will become irrelevant

2:59 Why billionaires don’t like sharing wealth

4:29 Historical tax rates and wealth distribution

6:21 Business Insider survey: 94% still plan to save

8:45 Why tech revolutions don’t eliminate financial risk

9:59 Work, purpose, and retirement psychology

10:33 Universal basic income math and tax reality

11:54 Luddites and historical job displacement

12:55 Listener questions segment begins

13:18 HSA invested in Fidelity target-date fund

17:38 Overfunded 529 plans and Roth rollover rules

20:45 Taxable account strategy and balanced funds

23:28 Asset location and tax efficiency

24:49 Finding fund returns on Morningstar

25:46 Tom’s Scottsdale meetings

26:45 War on gas-powered leaf blowers
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]]> Don McDonald d33469fe-2eb4-11f1-b6ec-b7678b643e55 Thu, 05 Feb 2026 12:41:00 -0500 1810 false Investments Can Grow Investments Can Grow
0:04 Why gold and silver are speculation, not investments

1:19 Precious metals crash and volatility reality check

3:11 Microsoft drop and risks of single-stock investing

4:40 Fear, home bias, and global diversification

7:12 Birthday story and listener banter

8:31 Elaine’s 401(a) and risky target-date fund allocation

11:24 High expense ratios vs. low-cost index options

12:47 Retirement income needs and withdrawal risk

14:04 Monte Carlo results for 60/40 portfolios

15:56 Tips income, taxes, and rebalancing questions

18:03 Standard deduction and real tax impact

23:39 Capital Group CIT vs. Vanguard index funds

25:21 Downsides of collective investment trusts

28:08 403(b)WISE and school district plan ratings

29:55 Teacher retirement plan advocacy

32:32 High-yield savings account recommendations

34:18 Rebalancing after 10 years

35:17 Asset location and tax efficiency
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]]>
0:04 Why gold and silver are speculation, not investments

1:19 Precious metals crash and volatility reality check

3:11 Microsoft drop and risks of single-stock investing

4:40 Fear, home bias, and global diversification

7:12 Birthday story and listener banter

8:31 Elaine’s 401(a) and risky target-date fund allocation

11:24 High expense ratios vs. low-cost index options

12:47 Retirement income needs and withdrawal risk

14:04 Monte Carlo results for 60/40 portfolios

15:56 Tips income, taxes, and rebalancing questions

18:03 Standard deduction and real tax impact

23:39 Capital Group CIT vs. Vanguard index funds

25:21 Downsides of collective investment trusts

28:08 403(b)WISE and school district plan ratings

29:55 Teacher retirement plan advocacy

32:32 High-yield savings account recommendations

34:18 Rebalancing after 10 years

35:17 Asset location and tax efficiency
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]]> Don McDonald b2af2b9c-2eb4-11f1-b6ec-9b62aebd8a0f Wed, 04 Feb 2026 13:23:00 -0500 2358 false Hot to Not Hot to Not
0:04 Show open, call-in invitation, and setup on private equity

0:32 Jason Zweig’s WSJ reporting on private equity fees and markups

1:25 Washington State pension’s heavy private equity exposure

3:23 Valuation and liquidity problems in private equity

4:35 Breakdown of WA pension assets (private equity + real estate)

5:18 Risks of market downturns and illiquidity

6:25 Who’s overseeing the pension fund and their qualifications

7:06 Concerns for Washington retirees and contributors

8:28 Board “experts” and potential conflicts of interest

9:55 Difficulty exiting private equity investments

11:06 Questioning reported 12.3% returns vs public markets

11:59 Call for political accountability and reform

12:50 Comparison to states using mostly public index funds

13:35 Why private equity suffers most in downturns

14:22 Comparison of pension private equity exposure by state

15:58 Rebalancing and “emperor’s clothes” concern

17:07 Caller Luke reacts to pension risks

18:11 Promotion of RetireMeet and retirement education

19:22 Warren Buffett’s retirement advice: simplify and protect

20:28 Risk reduction and advisor role in retirement

21:26 Fiduciary standards and conflicts of interest

22:55 Emphasis on simple, protective portfolios

23:07 Caller Jane asks about high advisory fees

24:40 Discussion of “active management” risks

26:12 Review of proposed funds and red flags

29:57 Analysis of high-fee, high-turnover portfolio

30:57 Concentration and volatility concerns

32:16 Variable annuity warning signs

33:37 Commission conflicts and surrender charges

33:57 Recommendation to change advisors

34:56 Recap of excessive fees and risks

36:33 Importance of honest warnings vs future losses

37:48 Question on converting Vanguard mutual funds to ETFs

38:52 Advantages of ETFs: cost, tax efficiency, liquidity
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]]>
0:04 Show open, call-in invitation, and setup on private equity

0:32 Jason Zweig’s WSJ reporting on private equity fees and markups

1:25 Washington State pension’s heavy private equity exposure

3:23 Valuation and liquidity problems in private equity

4:35 Breakdown of WA pension assets (private equity + real estate)

5:18 Risks of market downturns and illiquidity

6:25 Who’s overseeing the pension fund and their qualifications

7:06 Concerns for Washington retirees and contributors

8:28 Board “experts” and potential conflicts of interest

9:55 Difficulty exiting private equity investments

11:06 Questioning reported 12.3% returns vs public markets

11:59 Call for political accountability and reform

12:50 Comparison to states using mostly public index funds

13:35 Why private equity suffers most in downturns

14:22 Comparison of pension private equity exposure by state

15:58 Rebalancing and “emperor’s clothes” concern

17:07 Caller Luke reacts to pension risks

18:11 Promotion of RetireMeet and retirement education

19:22 Warren Buffett’s retirement advice: simplify and protect

20:28 Risk reduction and advisor role in retirement

21:26 Fiduciary standards and conflicts of interest

22:55 Emphasis on simple, protective portfolios

23:07 Caller Jane asks about high advisory fees

24:40 Discussion of “active management” risks

26:12 Review of proposed funds and red flags

29:57 Analysis of high-fee, high-turnover portfolio

30:57 Concentration and volatility concerns

32:16 Variable annuity warning signs

33:37 Commission conflicts and surrender charges

33:57 Recommendation to change advisors

34:56 Recap of excessive fees and risks

36:33 Importance of honest warnings vs future losses

37:48 Question on converting Vanguard mutual funds to ETFs

38:52 Advantages of ETFs: cost, tax efficiency, liquidity
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]]> Don McDonald b239e738-2eb4-11f1-b6ec-43083993e478 Tue, 03 Feb 2026 13:09:00 -0500 2352 false High Yield Risks High Yield Risks
0:04 Opening: Wanting high returns with no risk

1:02 Introduction to “magical” high-yield investments

1:10 Larry Swedroe’s research on junk bond funds

2:20 Investment-grade vs. high-yield bonds explained

4:29 Bankruptcy risk and bondholder losses

5:49 Returns, volatility, and stock-like behavior

6:36 Risk-adjusted returns and Sharpe ratios

7:47 Why passive beats active in junk bonds

8:35 2008 losses in high-yield funds

9:36 “Yield is for farmers” and risk perspective

10:42 Why higher yield always means higher risk

11:08 Bonds as portfolio ballast

12:17 Why equities are better for risk-taking

12:27 HSA investing for medical expenses

13:56 Roth IRA for grandson with long time horizon

15:18 Backdoor Roth conversion tax question

17:57 Vanguard Star Fund discussion

19:03 Active vs. index fund comparisons
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]]>
0:04 Opening: Wanting high returns with no risk

1:02 Introduction to “magical” high-yield investments

1:10 Larry Swedroe’s research on junk bond funds

2:20 Investment-grade vs. high-yield bonds explained

4:29 Bankruptcy risk and bondholder losses

5:49 Returns, volatility, and stock-like behavior

6:36 Risk-adjusted returns and Sharpe ratios

7:47 Why passive beats active in junk bonds

8:35 2008 losses in high-yield funds

9:36 “Yield is for farmers” and risk perspective

10:42 Why higher yield always means higher risk

11:08 Bonds as portfolio ballast

12:17 Why equities are better for risk-taking

12:27 HSA investing for medical expenses

13:56 Roth IRA for grandson with long time horizon

15:18 Backdoor Roth conversion tax question

17:57 Vanguard Star Fund discussion

19:03 Active vs. index fund comparisons
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]]> Don McDonald 97b4c4f0-2eb4-11f1-b6ec-ab52026c4cd8 Mon, 02 Feb 2026 15:06:00 -0500 1627 false Cold Days Qs and As Cold Days Qs and As
0:04 Friday Q&A intro and plea for more listener questions

1:44 Backdoor Roth with gains—how to handle taxable growth

6:01 Avantis vs. Vanguard for bond funds and why fees matter more in fixed income

8:00 Using 529 plans for kids and new Roth rollover rules

11:19 Odd ETF pricing on Vanguard and why it makes no sense

13:38 AVGE vs. VT diversification concerns and factor investing explained

18:24 Risk, factor tilts, and long-term expectations
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]]>
0:04 Friday Q&A intro and plea for more listener questions

1:44 Backdoor Roth with gains—how to handle taxable growth

6:01 Avantis vs. Vanguard for bond funds and why fees matter more in fixed income

8:00 Using 529 plans for kids and new Roth rollover rules

11:19 Odd ETF pricing on Vanguard and why it makes no sense

13:38 AVGE vs. VT diversification concerns and factor investing explained

18:24 Risk, factor tilts, and long-term expectations
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]]> Don McDonald d37eae60-2eb4-11f1-b6ec-a3303850cff8 Fri, 30 Jan 2026 12:36:00 -0500 1236 false Hard to Stop Hard to Stop
0:05 Opening and setup: broker misconduct story

0:10 James Tuberosa’s career and long record of complaints

1:14 FINRA expulsion and failed expungement lawsuit

2:42 How complaints get quietly “settled”

3:51 Shift from broker to RIA status

4:49 Skyview Pinnacle and the “clean” front

5:48 Using fiduciary language as marketing cover

7:17 Why insurance escapes SEC oversight

8:22 Conflicts disclosed in ADV

9:19 Why disclosures matter

10:47 Warning signs: promises and product pitching

12:01 Weakness of fiduciary protection

13:08 Ethical failures at large firms

14:38 Fiduciary vs. commission contradiction

15:36 Why reading ADVs protects investors

16:17 Transition to listener questions

17:16 Sinking funds: investing vs. saving

18:40 Planning for major home repairs

19:36 Elderly couple and complex annuity

21:01 Risks of high-fee variable annuities

22:36 Best Roth IRA investment for young adults

23:24 Advantages for today’s investors

24:58 Lower costs and better diversification today

26:38 Historical perspective on investing access

28:10 Listener engagement and contact info
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]]>
0:05 Opening and setup: broker misconduct story

0:10 James Tuberosa’s career and long record of complaints

1:14 FINRA expulsion and failed expungement lawsuit

2:42 How complaints get quietly “settled”

3:51 Shift from broker to RIA status

4:49 Skyview Pinnacle and the “clean” front

5:48 Using fiduciary language as marketing cover

7:17 Why insurance escapes SEC oversight

8:22 Conflicts disclosed in ADV

9:19 Why disclosures matter

10:47 Warning signs: promises and product pitching

12:01 Weakness of fiduciary protection

13:08 Ethical failures at large firms

14:38 Fiduciary vs. commission contradiction

15:36 Why reading ADVs protects investors

16:17 Transition to listener questions

17:16 Sinking funds: investing vs. saving

18:40 Planning for major home repairs

19:36 Elderly couple and complex annuity

21:01 Risks of high-fee variable annuities

22:36 Best Roth IRA investment for young adults

23:24 Advantages for today’s investors

24:58 Lower costs and better diversification today

26:38 Historical perspective on investing access

28:10 Listener engagement and contact info
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]]> Don McDonald ae9bffb2-2eb4-11f1-b6ec-3f5ade31a738 Thu, 29 Jan 2026 13:57:00 -0500 1876 false Hedge Funds Pitch Hedge Funds Pitch
0:20 How the live radio show becomes a “magical” podcast and why Don controls the edit

1:55 Wall Street Journal hedge fund article feels like advertising

3:28 Hedge fund returns vs. outrageous fees

4:59 How simple 60/40 and 80/20 portfolios beat hedge funds

6:43 Jason in Sammamish and the Tesla/Bitcoin debate

8:11 Why speculative investing hurts regular savers

10:56 Bitcoin, hype, and institutional money myths

11:45 Bessenbinder research and why stock picking fails

13:09 Why money decisions stay emotional

14:03 Micro-cap stock failure rates

15:11 Roth TSP matching and young federal employees

16:32 When Roth vs. traditional makes sense

19:21 Mad Men, old computers, and optimism about the future

21:45 Asset allocation for young investors and AVUV vs. global funds

23:52 Why international investing matters

25:21 The case for simple one-fund portfolios

27:45 Advisors pushing annuities and insurance

29:14 Why LIRPs and “Power of Zero” plans are dangerous

34:43 Exposing insurance-driven “tax-free retirement” marketing

34:55 RetireMeet preview and upcoming events

36:39 Voice-to-text tools and listener questions
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]]>
0:20 How the live radio show becomes a “magical” podcast and why Don controls the edit

1:55 Wall Street Journal hedge fund article feels like advertising

3:28 Hedge fund returns vs. outrageous fees

4:59 How simple 60/40 and 80/20 portfolios beat hedge funds

6:43 Jason in Sammamish and the Tesla/Bitcoin debate

8:11 Why speculative investing hurts regular savers

10:56 Bitcoin, hype, and institutional money myths

11:45 Bessenbinder research and why stock picking fails

13:09 Why money decisions stay emotional

14:03 Micro-cap stock failure rates

15:11 Roth TSP matching and young federal employees

16:32 When Roth vs. traditional makes sense

19:21 Mad Men, old computers, and optimism about the future

21:45 Asset allocation for young investors and AVUV vs. global funds

23:52 Why international investing matters

25:21 The case for simple one-fund portfolios

27:45 Advisors pushing annuities and insurance

29:14 Why LIRPs and “Power of Zero” plans are dangerous

34:43 Exposing insurance-driven “tax-free retirement” marketing

34:55 RetireMeet preview and upcoming events

36:39 Voice-to-text tools and listener questions
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]]> Don McDonald d3a97ef6-2eb4-11f1-b6ec-a3d7ab11305d Wed, 28 Jan 2026 14:08:00 -0500 2319 false Selling Game Selling Game
0:04 Weekend open, call-in invite, “no annuity” guarantee, check-writing nostalgia

1:24 Don discovers last checks were written in 2019–2021

2:45 Home buying/selling as life’s biggest transaction

3:20 Overpricing your house and “it’s worth what someone pays”

4:24 WSJ real estate quiz: pricing strategy in slow markets

6:14 Break, banter, and commission quiz setup

7:04 Real estate commissions are negotiable

8:10 Selling by owner and staging realities

9:14 Caller Dustin: debt-free at 27, life insurance, DIY vs advisors

12:41 Planning for life insurance proceeds and beneficiaries

14:06 Zillow estimates and home values

14:43 Caller Joey: SMAs and tax-loss strategies

17:31 Capital gains, housing exemptions, and SMA practicality

19:16 Caller Beth: umbrella insurance for homeowners

22:02 Caller Ron: retirement income, stable value funds, RMDs

25:06 Diversification beyond the S&P 500

26:50 Returning to WSJ real estate quiz

27:43 Best ROI upgrades: paint and curb appeal

28:23 Pre-listing inspections

29:44 When home prices peak (June)

31:09 Haunted houses and disclosure laws

33:43 Listener portfolio: AVGE, AVGV, bonds
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]]>
0:04 Weekend open, call-in invite, “no annuity” guarantee, check-writing nostalgia

1:24 Don discovers last checks were written in 2019–2021

2:45 Home buying/selling as life’s biggest transaction

3:20 Overpricing your house and “it’s worth what someone pays”

4:24 WSJ real estate quiz: pricing strategy in slow markets

6:14 Break, banter, and commission quiz setup

7:04 Real estate commissions are negotiable

8:10 Selling by owner and staging realities

9:14 Caller Dustin: debt-free at 27, life insurance, DIY vs advisors

12:41 Planning for life insurance proceeds and beneficiaries

14:06 Zillow estimates and home values

14:43 Caller Joey: SMAs and tax-loss strategies

17:31 Capital gains, housing exemptions, and SMA practicality

19:16 Caller Beth: umbrella insurance for homeowners

22:02 Caller Ron: retirement income, stable value funds, RMDs

25:06 Diversification beyond the S&P 500

26:50 Returning to WSJ real estate quiz

27:43 Best ROI upgrades: paint and curb appeal

28:23 Pre-listing inspections

29:44 When home prices peak (June)

31:09 Haunted houses and disclosure laws

33:43 Listener portfolio: AVGE, AVGV, bonds
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]]> Don McDonald b39ee538-2eb4-11f1-b6ec-e3ed37783317 Tue, 27 Jan 2026 12:47:00 -0500 2353 false Who Do We Owe? Who Do We Owe?
0:05 National debt fears and the “Mr. Potter foreclosing America” analogy

0:27 Holiday movies, Home Alone sequels, and It’s a Wonderful Life

1:13 Who really owns U.S. debt and why it matters

2:50 Japan, UK, and China holdings explained

4:02 Why foreign selling wouldn’t crash the economy

5:13 Most U.S. debt is owned domestically

5:31 Interest payments now exceeding military spending

6:18 What debt interest really costs households

7:19 Why investors shouldn’t panic over government debt

8:15 Politics vs. rational investing decisions

9:55 Debt, taxes, and what society is willing to give up

11:28 Historical tax rates and Mad Men economics

12:37 Military spending and post-WWII budgets

13:22 60/40 portfolios and market downturn protection

14:43 Worst historical declines for balanced portfolios

16:37 Long-term resilience of diversified investing

17:51 Bonds: income vs. volatility control

19:08 Spam keys, Hormel, and changing industries

20:52 AVGE, DFAW, and Apella portfolio structure

22:29 Simplicity vs. complexity in investing

23:47 Podcast longevity and download estimates
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]]>
0:05 National debt fears and the “Mr. Potter foreclosing America” analogy

0:27 Holiday movies, Home Alone sequels, and It’s a Wonderful Life

1:13 Who really owns U.S. debt and why it matters

2:50 Japan, UK, and China holdings explained

4:02 Why foreign selling wouldn’t crash the economy

5:13 Most U.S. debt is owned domestically

5:31 Interest payments now exceeding military spending

6:18 What debt interest really costs households

7:19 Why investors shouldn’t panic over government debt

8:15 Politics vs. rational investing decisions

9:55 Debt, taxes, and what society is willing to give up

11:28 Historical tax rates and Mad Men economics

12:37 Military spending and post-WWII budgets

13:22 60/40 portfolios and market downturn protection

14:43 Worst historical declines for balanced portfolios

16:37 Long-term resilience of diversified investing

17:51 Bonds: income vs. volatility control

19:08 Spam keys, Hormel, and changing industries

20:52 AVGE, DFAW, and Apella portfolio structure

22:29 Simplicity vs. complexity in investing

23:47 Podcast longevity and download estimates
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]]> Don McDonald 34ae88f0-2eb4-11f1-b6ec-37984cfb824e Mon, 26 Jan 2026 13:23:00 -0500 1729 false ETF + Q&A ETF + Q&A
0:04 Intro, listener questions, and why “ETF” is not “EFT”

0:27 ETF growth in 2025 and the rise of active and leveraged funds

1:31 Why most new ETFs worry Tom (active, leverage, speculation)

2:04 Choosing the right ETF: costs, indexing, and long-term focus

3:16 Roxy joins and the listener Q&A begins

3:54 Inherited AIVSX: taxes, donating shares, and switching to ETFs

7:04 Why traditional mutual funds are tax-inefficient

8:14 Sabbatical year strategy and capital gains misconceptions

10:39 When to involve a tax professional

11:31 Portfolio mix: VOO, Avantis, international, and value tilts

12:17 Why adding VUG may increase risk

14:57 Asset location challenges and rebalancing problems

15:22 Behavioral finance: resisting the urge to tinker

19:21 How often to check your portfolio

20:10 Discipline, rules, and systematic investing

21:11 Inherited $300K at age 79: purpose and next-generation planning

23:40 Building a taxable portfolio for heirs

24:40 RetireMeet preview and featured speakers
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]]>
0:04 Intro, listener questions, and why “ETF” is not “EFT”

0:27 ETF growth in 2025 and the rise of active and leveraged funds

1:31 Why most new ETFs worry Tom (active, leverage, speculation)

2:04 Choosing the right ETF: costs, indexing, and long-term focus

3:16 Roxy joins and the listener Q&A begins

3:54 Inherited AIVSX: taxes, donating shares, and switching to ETFs

7:04 Why traditional mutual funds are tax-inefficient

8:14 Sabbatical year strategy and capital gains misconceptions

10:39 When to involve a tax professional

11:31 Portfolio mix: VOO, Avantis, international, and value tilts

12:17 Why adding VUG may increase risk

14:57 Asset location challenges and rebalancing problems

15:22 Behavioral finance: resisting the urge to tinker

19:21 How often to check your portfolio

20:10 Discipline, rules, and systematic investing

21:11 Inherited $300K at age 79: purpose and next-generation planning

23:40 Building a taxable portfolio for heirs

24:40 RetireMeet preview and featured speakers
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]]> Don McDonald 28525708-2eb4-11f1-b6ec-6b42806ded64 Fri, 23 Jan 2026 12:54:00 -0500 1677 false Auto Save Auto Save
0:04 Show intro, Broncos talk, Mad Men, and settling in

2:02 Retirement as the biggest lifetime expense

2:47 State-run retirement plans and auto-enrollment

3:47 Who really pays for “free” state plans

4:09 Why Roth-style saving makes sense

6:25 OregonSaves fees and State Street target-date funds

8:07 Limited investment choices in most retirement plans

9:24 Florida has no state savings plan

9:33 WSJ article on purpose and meaning in retirement

11:12 “Mattering” and being needed after retirement

12:19 Longevity after age 65

14:30 Retirement without a plan vs. needing structure

15:36 Depression and suicide risks in older retirees

16:52 Caller: “Fiduciary” selling indexed annuity

17:40 Why annuity pitches violate fiduciary duty

20:20 Knowing yourself before retiring

21:18 Caller: Helping widowed mother invest safely

22:33 When CDs and Treasuries make sense

23:47 Using brokerage CD ladders

26:34 Sports updates and listener mail

27:36 Old 401(k)s and consolidation

30:43 Listener saved $100K/year in advisory fees

31:47 AUM vs hourly vs flat-fee advisors

34:47 Subscription advisors and limited portfolios

35:51 Why advice matters more in retirement
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]]>
0:04 Show intro, Broncos talk, Mad Men, and settling in

2:02 Retirement as the biggest lifetime expense

2:47 State-run retirement plans and auto-enrollment

3:47 Who really pays for “free” state plans

4:09 Why Roth-style saving makes sense

6:25 OregonSaves fees and State Street target-date funds

8:07 Limited investment choices in most retirement plans

9:24 Florida has no state savings plan

9:33 WSJ article on purpose and meaning in retirement

11:12 “Mattering” and being needed after retirement

12:19 Longevity after age 65

14:30 Retirement without a plan vs. needing structure

15:36 Depression and suicide risks in older retirees

16:52 Caller: “Fiduciary” selling indexed annuity

17:40 Why annuity pitches violate fiduciary duty

20:20 Knowing yourself before retiring

21:18 Caller: Helping widowed mother invest safely

22:33 When CDs and Treasuries make sense

23:47 Using brokerage CD ladders

26:34 Sports updates and listener mail

27:36 Old 401(k)s and consolidation

30:43 Listener saved $100K/year in advisory fees

31:47 AUM vs hourly vs flat-fee advisors

34:47 Subscription advisors and limited portfolios

35:51 Why advice matters more in retirement
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]]> Don McDonald d024a59e-2eb4-11f1-b6ec-2f7730410229 Thu, 22 Jan 2026 13:30:00 -0500 2349 false Money Game? Money Game?
0:04 Cold open and chaotic “What Do You Know?” game show setup

1:58 S&P 500 return vs. performance without the Magnificent Seven

5:16 Magnificent Seven’s staggering 10-year return

5:48 International stocks outperform U.S. stocks in 2025

7:35 Retired caller weighs SGOV vs. VTEB and tax efficiency

10:01 Risk aversion, inflation fears, and when bonds actually belong

13:11 CD ladders as a stability alternative to bond funds

14:27 Clean energy ETFs rise despite negative policy headlines

16:41 Colombia emerges as best-performing global stock market

18:02 Bitcoin’s surprising full-year decline in 2025

19:02 Why none of this market trivia actually matters

20:28 ETFs vs. mutual funds explained simply and clearly

24:44 Why fund companies resist ETF conversions

27:13 Pension income vs. bonds in portfolio construction

31:20 AI voice experiment and margin rate reality check

32:02 Fear of rolling over 401(k)s and “hodgepodge-itis”
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]]>
0:04 Cold open and chaotic “What Do You Know?” game show setup

1:58 S&P 500 return vs. performance without the Magnificent Seven

5:16 Magnificent Seven’s staggering 10-year return

5:48 International stocks outperform U.S. stocks in 2025

7:35 Retired caller weighs SGOV vs. VTEB and tax efficiency

10:01 Risk aversion, inflation fears, and when bonds actually belong

13:11 CD ladders as a stability alternative to bond funds

14:27 Clean energy ETFs rise despite negative policy headlines

16:41 Colombia emerges as best-performing global stock market

18:02 Bitcoin’s surprising full-year decline in 2025

19:02 Why none of this market trivia actually matters

20:28 ETFs vs. mutual funds explained simply and clearly

24:44 Why fund companies resist ETF conversions

27:13 Pension income vs. bonds in portfolio construction

31:20 AI voice experiment and margin rate reality check

32:02 Fear of rolling over 401(k)s and “hodgepodge-itis”
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]]> Don McDonald b1c0a990-2eb4-11f1-b6ec-df328c5fa031 Wed, 21 Jan 2026 13:50:00 -0500 2335 false Now Spend It Now Spend It
0:04 You did everything right — now spend some of the darn money

1:06 Retirees spending only ~2% of savings (why this happens)

2:03 Permission to spend is harder than permission to save

3:16 Go-go, slow-go, no-go years (and why front-loading joy matters)

4:34 Healthcare fear vs. actual retirement guardrails

6:19 Helping kids before inheritance (when it matters most)

6:35 Why “winging it” works for some — and fails for most

7:58 Flexible percentage withdrawals vs. fixed rules

8:59 Vacations, Hawaii, and spending after strong market years

10:55 Great Wolf Lodge economics (and parental survival strategies)

13:00 Listener Q: Portfolio tilts (US, SCV, international, EM)

15:49 Listener Q: Downsizing early, mortgages vs. IRA withdrawals

18:34 Liquidity matters more than interest rates pre-59½

21:15 Retirement planning as a map, not a spreadsheet

21:46 Listener Q: ACATS fraud fears and account security

24:40 Why total safety often makes life worse, not better
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]]>
0:04 You did everything right — now spend some of the darn money

1:06 Retirees spending only ~2% of savings (why this happens)

2:03 Permission to spend is harder than permission to save

3:16 Go-go, slow-go, no-go years (and why front-loading joy matters)

4:34 Healthcare fear vs. actual retirement guardrails

6:19 Helping kids before inheritance (when it matters most)

6:35 Why “winging it” works for some — and fails for most

7:58 Flexible percentage withdrawals vs. fixed rules

8:59 Vacations, Hawaii, and spending after strong market years

10:55 Great Wolf Lodge economics (and parental survival strategies)

13:00 Listener Q: Portfolio tilts (US, SCV, international, EM)

15:49 Listener Q: Downsizing early, mortgages vs. IRA withdrawals

18:34 Liquidity matters more than interest rates pre-59½

21:15 Retirement planning as a map, not a spreadsheet

21:46 Listener Q: ACATS fraud fears and account security

24:40 Why total safety often makes life worse, not better
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]]> Don McDonald 37879d14-2eb4-11f1-b6ec-73f27a2c7a1d Tue, 20 Jan 2026 14:46:00 -0500 1975 false Taking Your Qs Taking Your Qs
0:04 Friday Q&A returns, holiday illness, and how to submit questions

1:04 Investing life-insurance proceeds after a spouse’s death

1:45 Why portfolio allocation depends on income need, taxes, and risk tolerance

3:05 Why a fee-only fiduciary is essential for survivor planning

3:49 Living off dividends using leverage and margin

5:03 Why “paycheck into brokerage + leverage” strategies are dangerous

7:43 Dividend cuts, margin risk, and downturn math reality

9:29 Inherited IRA rules when the original owner had begun RMDs

11:32 The 10-year rule, annual RMDs, and IRS life-expectancy tables

12:48 Listener appreciation and the value of taking money seriously

14:01 How to invest an HSA that won’t be used for years

15:09 Adjusting the 4% rule when paying an advisor

15:54 AI voice demo, advisor value, and Vanguard’s Advisor Alpha
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]]>
0:04 Friday Q&A returns, holiday illness, and how to submit questions

1:04 Investing life-insurance proceeds after a spouse’s death

1:45 Why portfolio allocation depends on income need, taxes, and risk tolerance

3:05 Why a fee-only fiduciary is essential for survivor planning

3:49 Living off dividends using leverage and margin

5:03 Why “paycheck into brokerage + leverage” strategies are dangerous

7:43 Dividend cuts, margin risk, and downturn math reality

9:29 Inherited IRA rules when the original owner had begun RMDs

11:32 The 10-year rule, annual RMDs, and IRS life-expectancy tables

12:48 Listener appreciation and the value of taking money seriously

14:01 How to invest an HSA that won’t be used for years

15:09 Adjusting the 4% rule when paying an advisor

15:54 AI voice demo, advisor value, and Vanguard’s Advisor Alpha
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]]> Don McDonald 56268596-2eb4-11f1-b6ec-2fc2bd180eb5 Fri, 16 Jan 2026 12:20:00 -0500 1201 false House Rich? House Rich?
0:04 Retirement isn’t about dying rich — it’s about spending your money on you

0:25 Why inheritance shouldn’t be the primary goal (with one important exception)

1:21 Shirt colors, corporate culture, and the last people still wearing white dress shirts

2:48 Smoking everywhere: airplanes, hospitals, grocery stores — and why it mattered financially

4:12 Disney jokes, expensive vacations, and setting the tone

5:08 Introducing the real topic: reverse mortgages

5:15 Why reverse mortgages still scare people — and why that reputation exists

6:44 How FHA regulation changed the reverse-mortgage landscape

7:21 Are reverse mortgages really a “last resort”?

8:14 Using home equity to improve lifestyle, not just survive retirement

8:52 Are reverse mortgages expensive? Breaking down the real costs

10:53 Lending limits, age factors, and how much equity you can actually access

12:39 When the upfront costs make sense — and when they don’t

14:35 Myth busted: heirs can still inherit the home

15:08 You still own your house — it’s just a mortgage with no monthly payment

16:18 Reverse mortgages as liquidity, not a wealth-building tool

16:33 The importance of planning before touching home equity

16:45 $35 trillion locked in U.S. home equity — and why paying off mortgages isn’t always smart

17:57 Downsizing versus staying put: another option entirely

19:59 Listener question: simplifying a complex bond ladder

21:17 Using iShares iBonds ETFs to build a disciplined bond ladder

22:32 The risk of breaking the ladder when rates change

23:41 Listener question: Vanguard’s BNDF ETF

24:44 Why chasing yield in bond funds can backfire

26:06 Gimmicks, relevance, and Vanguard’s shift away from leadership

26:33 RetireMeet 2026 preview and registration details
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]]>
0:04 Retirement isn’t about dying rich — it’s about spending your money on you

0:25 Why inheritance shouldn’t be the primary goal (with one important exception)

1:21 Shirt colors, corporate culture, and the last people still wearing white dress shirts

2:48 Smoking everywhere: airplanes, hospitals, grocery stores — and why it mattered financially

4:12 Disney jokes, expensive vacations, and setting the tone

5:08 Introducing the real topic: reverse mortgages

5:15 Why reverse mortgages still scare people — and why that reputation exists

6:44 How FHA regulation changed the reverse-mortgage landscape

7:21 Are reverse mortgages really a “last resort”?

8:14 Using home equity to improve lifestyle, not just survive retirement

8:52 Are reverse mortgages expensive? Breaking down the real costs

10:53 Lending limits, age factors, and how much equity you can actually access

12:39 When the upfront costs make sense — and when they don’t

14:35 Myth busted: heirs can still inherit the home

15:08 You still own your house — it’s just a mortgage with no monthly payment

16:18 Reverse mortgages as liquidity, not a wealth-building tool

16:33 The importance of planning before touching home equity

16:45 $35 trillion locked in U.S. home equity — and why paying off mortgages isn’t always smart

17:57 Downsizing versus staying put: another option entirely

19:59 Listener question: simplifying a complex bond ladder

21:17 Using iShares iBonds ETFs to build a disciplined bond ladder

22:32 The risk of breaking the ladder when rates change

23:41 Listener question: Vanguard’s BNDF ETF

24:44 Why chasing yield in bond funds can backfire

26:06 Gimmicks, relevance, and Vanguard’s shift away from leadership

26:33 RetireMeet 2026 preview and registration details
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]]> Don McDonald d269dba8-2eb4-11f1-b6ec-1f2207a48537 Thu, 15 Jan 2026 14:05:00 -0500 1856 false Bespoke Future Bespoke Future
0:04 Retirement isn’t a script, a date, or a finish line

0:56 The myth of “retire at 65 and stop living”

1:20 The rise of “un-retiring” and why Disney hires retirees

3:22 Fear-based reasons people go back to work

4:28 Why retirees often worry more, not less

5:10 Studies showing how many retirees expect to work again

6:38 Income plans vs. purpose plans in retirement

7:16 The Dalai Lama, retirement, and dark humor

8:16 Using leftover 529 money for a future Roth IRA

10:31 Anton Chekhov’s The Bet and money as a moral test

12:08 Parking $3.5M: T-bills vs. high-yield savings

14:30 Why holding massive cash piles is usually a mistake

16:21 Interest-rate predictions and the illusion of certainty

19:17 How (and where) people actually listen to podcasts

21:02 Mortgage rates under 6% and why context matters

23:15 Roth IRAs for young investors and compounding reality

25:12 VT vs. AVGE vs. AVGV for long-term simplicity

27:51 Disney’s $60B expansion and what it says about costs

31:07 Rebuilding emergency funds without derailing retirement

33:32 Converting Vanguard mutual funds to ETFs in taxable accounts

35:20 Why small tax efficiencies matter over decades
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]]>
0:04 Retirement isn’t a script, a date, or a finish line

0:56 The myth of “retire at 65 and stop living”

1:20 The rise of “un-retiring” and why Disney hires retirees

3:22 Fear-based reasons people go back to work

4:28 Why retirees often worry more, not less

5:10 Studies showing how many retirees expect to work again

6:38 Income plans vs. purpose plans in retirement

7:16 The Dalai Lama, retirement, and dark humor

8:16 Using leftover 529 money for a future Roth IRA

10:31 Anton Chekhov’s The Bet and money as a moral test

12:08 Parking $3.5M: T-bills vs. high-yield savings

14:30 Why holding massive cash piles is usually a mistake

16:21 Interest-rate predictions and the illusion of certainty

19:17 How (and where) people actually listen to podcasts

21:02 Mortgage rates under 6% and why context matters

23:15 Roth IRAs for young investors and compounding reality

25:12 VT vs. AVGE vs. AVGV for long-term simplicity

27:51 Disney’s $60B expansion and what it says about costs

31:07 Rebuilding emergency funds without derailing retirement

33:32 Converting Vanguard mutual funds to ETFs in taxable accounts

35:20 Why small tax efficiencies matter over decades
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]]> Don McDonald b070b896-2eb4-11f1-b6ec-377f436466f6 Wed, 14 Jan 2026 13:02:00 -0500 2342 false Easier Usually Better Easier Usually Better
0:04 Holiday hangover, fake presence, and welcoming 2026

1:27 Simplicity in investing and why complexity isn’t intelligence

1:44 Morningstar’s “simplify your portfolio” claim—skepticism engaged

3:01 Active funds vs. index funds (and Morningstar’s awkward contradiction)

3:56 One-fund vs. multi-fund portfolios and why rebalancing is hard

5:24 Target-date funds as delegation for real humans

7:32 Hodgepodge-itis vs. fewer funds, fewer mistakes

8:52 Listener call: Roth IRA for an 8-year-old and AVGE vs. AVGV

12:20 Value tilt, international exposure, and long time horizons

13:44 AVGE vs. AVGV performance—why short-term results don’t settle debates

16:57 VT compared to Avantis—diversification without tilts

17:32 Fidelity Zero funds—what’s free and what’s the catch

20:00 Jason from Sammamish: value, growth, Tesla, and confidence

23:36 SPY vs. SPYM and when cheap is just cheap

25:46 Listener call: escaping a Fidelity managed large-cap portfolio

29:58 What to say when an advisor tries to keep your money

31:24 Jeopardy contestants miss “ETF” (yes, really)

33:46 AVGE vs. VT—tilts, belief systems, and picking your poison
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]]>
0:04 Holiday hangover, fake presence, and welcoming 2026

1:27 Simplicity in investing and why complexity isn’t intelligence

1:44 Morningstar’s “simplify your portfolio” claim—skepticism engaged

3:01 Active funds vs. index funds (and Morningstar’s awkward contradiction)

3:56 One-fund vs. multi-fund portfolios and why rebalancing is hard

5:24 Target-date funds as delegation for real humans

7:32 Hodgepodge-itis vs. fewer funds, fewer mistakes

8:52 Listener call: Roth IRA for an 8-year-old and AVGE vs. AVGV

12:20 Value tilt, international exposure, and long time horizons

13:44 AVGE vs. AVGV performance—why short-term results don’t settle debates

16:57 VT compared to Avantis—diversification without tilts

17:32 Fidelity Zero funds—what’s free and what’s the catch

20:00 Jason from Sammamish: value, growth, Tesla, and confidence

23:36 SPY vs. SPYM and when cheap is just cheap

25:46 Listener call: escaping a Fidelity managed large-cap portfolio

29:58 What to say when an advisor tries to keep your money

31:24 Jeopardy contestants miss “ETF” (yes, really)

33:46 AVGE vs. VT—tilts, belief systems, and picking your poison
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]]> Don McDonald 3954fc0e-2eb4-11f1-b6ec-33add7d00ded Tue, 13 Jan 2026 13:02:00 -0500 2320 false Nobody Knows Nobody Knows
0:04 The future is unpredictable—even when we pretend it isn’t

0:26 Why we crave predictions and mistake luck for skill

0:53 Being “right” once doesn’t mean anything

1:58 Tariffs, Trump, and the great forecasting divide

2:27 Inflation predictions that never showed up

3:53 Jobs, unemployment, and why both sides were wrong

5:49 Who actually paid for tariffs (hint: not who you think)

7:08 Recession fears vs. reality—and the AI wildcard

8:55 Why short-term predictions fail and macro trends survive

10:41 The truth usually lives between the extremes

11:31 Lao Tzu, Yogi Berra, and why nobody knows the future

13:20 The most dangerous “expert” investors trust: themselves

14:43 Listener question: investing for a 16-year-old

17:29 Roth IRA vs. UTMA/UGMA and simple fund choices

18:06 Listener question: Roth conversions and the five-year rule

20:54 Humor, offense, and why everyone needs to lighten up

21:14 RetireMeet 2026 details and special guest preview

23:14 Apella Wealth philosophy and free help reminder

24:39 The number one word of the year (still shocking)
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]]>
0:04 The future is unpredictable—even when we pretend it isn’t

0:26 Why we crave predictions and mistake luck for skill

0:53 Being “right” once doesn’t mean anything

1:58 Tariffs, Trump, and the great forecasting divide

2:27 Inflation predictions that never showed up

3:53 Jobs, unemployment, and why both sides were wrong

5:49 Who actually paid for tariffs (hint: not who you think)

7:08 Recession fears vs. reality—and the AI wildcard

8:55 Why short-term predictions fail and macro trends survive

10:41 The truth usually lives between the extremes

11:31 Lao Tzu, Yogi Berra, and why nobody knows the future

13:20 The most dangerous “expert” investors trust: themselves

14:43 Listener question: investing for a 16-year-old

17:29 Roth IRA vs. UTMA/UGMA and simple fund choices

18:06 Listener question: Roth conversions and the five-year rule

20:54 Humor, offense, and why everyone needs to lighten up

21:14 RetireMeet 2026 details and special guest preview

23:14 Apella Wealth philosophy and free help reminder

24:39 The number one word of the year (still shocking)
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]]> Don McDonald d3667822-2eb4-11f1-b6ec-8f2289160168 Mon, 12 Jan 2026 15:22:00 -0500 1574 false Try Before You Buy? Try Before You Buy?
0:04 Why “trying out” investments makes no more sense than test-driving surgery

1:26 The danger of treating investing like a game

2:29 How Wall Street gamified investing for nearly a century

3:45 What good advisors don’t promise

4:10 Fiduciary planning versus transactional sales

5:14 Marketing narratives vs. real financial planning

6:55 Why big advisory firms spend fortunes on persuasion

7:48 Hot returns, sexy funds, and why chasing them fails

8:35 Investing to win vs. investing to reach a goal

9:56 Accepting market reality instead of competing with billionaires

11:27 Product versus planning — the core distinction

12:09 Listener question: fixing portfolio overlap inside a 401(k)

14:34 Why simpler portfolios usually work better

15:09 Using target-date funds to eliminate overlap and rebalancing headaches

16:19 What “Trump accounts” actually are — and what they aren’t

18:39 Comparing Trump accounts to 529 plans

21:38 Corbridge Financial: when it’s fine and when it’s a trap

23:01 Appreciating listeners everywhere (yes, even Portland)

24:40 World Cup ticket prices that defy financial gravity
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]]>
0:04 Why “trying out” investments makes no more sense than test-driving surgery

1:26 The danger of treating investing like a game

2:29 How Wall Street gamified investing for nearly a century

3:45 What good advisors don’t promise

4:10 Fiduciary planning versus transactional sales

5:14 Marketing narratives vs. real financial planning

6:55 Why big advisory firms spend fortunes on persuasion

7:48 Hot returns, sexy funds, and why chasing them fails

8:35 Investing to win vs. investing to reach a goal

9:56 Accepting market reality instead of competing with billionaires

11:27 Product versus planning — the core distinction

12:09 Listener question: fixing portfolio overlap inside a 401(k)

14:34 Why simpler portfolios usually work better

15:09 Using target-date funds to eliminate overlap and rebalancing headaches

16:19 What “Trump accounts” actually are — and what they aren’t

18:39 Comparing Trump accounts to 529 plans

21:38 Corbridge Financial: when it’s fine and when it’s a trap

23:01 Appreciating listeners everywhere (yes, even Portland)

24:40 World Cup ticket prices that defy financial gravity
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]]> Don McDonald d302635a-2eb4-11f1-b6ec-2b1d7a086c19 Fri, 09 Jan 2026 15:08:00 -0500 1749 false Can It Be Free? Can It Be Free?
0:33 From $200 trades to zero commissions—what really changed

1:18 Free trading everywhere… so how do brokers make money now?

2:37 Robinhood’s explosive growth and the rise of trading culture

3:15 Trading volume triples in six years—what that signals

4:42 Payment for order flow, cash sweeps, and hidden costs

6:21 Are investors actually getting a deal from free trading?

7:13 Why frequent trading and poor returns go hand in hand

8:21 Dopamine, gambling mechanics, and Robinhood’s design problem

9:47 Day trading: the comeback nobody needed

10:57 Why most day traders lose—and taxes make it worse

11:36 Prediction markets: gambling with an investing label

13:16 Listener questions begin

15:55 What is a tokenized stock—and why it’s not investing

17:25 Bucket shops, NFTs, and synthetic “stocks”

18:45 Early retirement withdrawals and the Rule of 55

19:33 Default retirement plans stuffed with annuities—good idea?

21:20 Liquidity risk and why annuities aren’t one-size-fits-all

22:26 Vanguard’s new Core Plus Bond ETF (BNDP)

24:13 Chasing yield vs. using bonds for stability

26:20 Why bonds shouldn’t be your return engine

27:36 Hoping for a calmer 2026 (good luck with that)
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]]>
0:33 From $200 trades to zero commissions—what really changed

1:18 Free trading everywhere… so how do brokers make money now?

2:37 Robinhood’s explosive growth and the rise of trading culture

3:15 Trading volume triples in six years—what that signals

4:42 Payment for order flow, cash sweeps, and hidden costs

6:21 Are investors actually getting a deal from free trading?

7:13 Why frequent trading and poor returns go hand in hand

8:21 Dopamine, gambling mechanics, and Robinhood’s design problem

9:47 Day trading: the comeback nobody needed

10:57 Why most day traders lose—and taxes make it worse

11:36 Prediction markets: gambling with an investing label

13:16 Listener questions begin

15:55 What is a tokenized stock—and why it’s not investing

17:25 Bucket shops, NFTs, and synthetic “stocks”

18:45 Early retirement withdrawals and the Rule of 55

19:33 Default retirement plans stuffed with annuities—good idea?

21:20 Liquidity risk and why annuities aren’t one-size-fits-all

22:26 Vanguard’s new Core Plus Bond ETF (BNDP)

24:13 Chasing yield vs. using bonds for stability

26:20 Why bonds shouldn’t be your return engine

27:36 Hoping for a calmer 2026 (good luck with that)
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]]> Don McDonald d34d6bca-2eb4-11f1-b6ec-5b455e858457 Thu, 08 Jan 2026 14:00:00 -0500 1888 false Very Different Very Different
0:04 Recorded-not-live reality, streaming delays, and why nothing feels real anymore

1:56 Schwab draws a hard line between investing and gambling

2:56 Robinhood’s casino-style features and the problem with pandering

6:12 Why trading more usually means ending up with less

6:52 Listener question: Can you roll a 401(k) during a plan change while still employed?

9:23 Why “in-service” rollovers usually aren’t allowed before 59½

11:53 What employees can do when stuck in a bad 401(k) plan

14:44 Fund choice question: Fidelity Growth vs. Vanguard 500 Index Trust

18:06 Why expenses, risk, and diversification matter more than past performance

19:21 Why podcasts are replacing traditional financial radio

22:06 How to listen to podcasts using Apple Podcasts and Spotify

27:22 Avantis vs. Dimensional: does doubling up add diversification?

31:52 Over-diversifying and the illusion of control

34:42 New-year reminder: returns don’t equal good planning

35:25 The importance of having an actual financial plan
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]]>
0:04 Recorded-not-live reality, streaming delays, and why nothing feels real anymore

1:56 Schwab draws a hard line between investing and gambling

2:56 Robinhood’s casino-style features and the problem with pandering

6:12 Why trading more usually means ending up with less

6:52 Listener question: Can you roll a 401(k) during a plan change while still employed?

9:23 Why “in-service” rollovers usually aren’t allowed before 59½

11:53 What employees can do when stuck in a bad 401(k) plan

14:44 Fund choice question: Fidelity Growth vs. Vanguard 500 Index Trust

18:06 Why expenses, risk, and diversification matter more than past performance

19:21 Why podcasts are replacing traditional financial radio

22:06 How to listen to podcasts using Apple Podcasts and Spotify

27:22 Avantis vs. Dimensional: does doubling up add diversification?

31:52 Over-diversifying and the illusion of control

34:42 New-year reminder: returns don’t equal good planning

35:25 The importance of having an actual financial plan
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]]> Don McDonald b2fb3686-2eb4-11f1-b6ec-d332afabb317 Wed, 07 Jan 2026 14:00:00 -0500 2311 false Picking a Good One Picking a Good One
0:04 New year, Tom on vacation, and the rise of AI Tom

0:22 AI voices, joke quality, and job security jokes

2:20 Welcome and the show’s core mission

2:46 How to actually find a real fiduciary

3:30 BrokerCheck explained and why the “B” is a deal-breaker

5:24 Firm searches and fast advisor elimination

6:38 Why dual registration still isn’t fiduciary

7:22 RILAs introduced and why “index-linked” is a warning sign

9:38 Hypothetical returns and misleading back-testing

11:19 Balanced index funds vs annuity complexity

13:00 Why RILAs solve no real investor problem

14:08 How to leave podcast reviews (and where)

15:22 Apple vs Spotify reviews and ratings reality

17:34 Ratings, trolls, and thin-skinned hosts

20:07 Tom’s five investing rules for 2026

20:41 Go global—actually global

21:56 Fewer accounts, less mess

22:49 Know your risk before the market teaches you

23:50 Rebalancing after strong stock years

24:38 Understanding taxes by account type

27:33 Bourbon barrel investing pitch—hard pass

29:13 Custody risk and private-investment danger

31:35 No sales guests, ever

33:54 Roth IRAs for working teens

34:35 RetireMeet 2026 announcement
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]]>
0:04 New year, Tom on vacation, and the rise of AI Tom

0:22 AI voices, joke quality, and job security jokes

2:20 Welcome and the show’s core mission

2:46 How to actually find a real fiduciary

3:30 BrokerCheck explained and why the “B” is a deal-breaker

5:24 Firm searches and fast advisor elimination

6:38 Why dual registration still isn’t fiduciary

7:22 RILAs introduced and why “index-linked” is a warning sign

9:38 Hypothetical returns and misleading back-testing

11:19 Balanced index funds vs annuity complexity

13:00 Why RILAs solve no real investor problem

14:08 How to leave podcast reviews (and where)

15:22 Apple vs Spotify reviews and ratings reality

17:34 Ratings, trolls, and thin-skinned hosts

20:07 Tom’s five investing rules for 2026

20:41 Go global—actually global

21:56 Fewer accounts, less mess

22:49 Know your risk before the market teaches you

23:50 Rebalancing after strong stock years

24:38 Understanding taxes by account type

27:33 Bourbon barrel investing pitch—hard pass

29:13 Custody risk and private-investment danger

31:35 No sales guests, ever

33:54 Roth IRAs for working teens

34:35 RetireMeet 2026 announcement
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]]> Don McDonald a8055d60-2eb4-11f1-b6ec-2b746ef1f970 Tue, 06 Jan 2026 14:50:00 -0500 2283 false Why Complicate It? Why Complicate It?
0:04 New year opener, time anxiety, and refusing to acknowledge large numbers

1:05 What a bond actually is—and what it guarantees (and doesn’t)

1:54 CDs vs. bonds: fixed maturity products that already work

2:37 Why Wall Street suddenly “needs” fixed-maturity ETFs

3:22 BulletShares, yields, and the quiet problem of fund expenses

4:45 Larry Swedroe’s blunt answer: skip the fund, buy the bonds

5:24 Yield fixation and how investors ignore cost and complexity

6:05 When fixed-maturity ETFs might make sense—and when they don’t

7:14 I-Bonds, TreasuryDirect, and Don’s practical reality check

7:48 A simple solution: total bond fund plus a CD ladder

8:28 Why fixed maturity doesn’t mean fixed safety

10:09 Expense ratios compared: broad bond funds vs. sliced products

10:35 The real purpose of bonds in a portfolio

12:04 Putting 2022’s bond losses in proper historical context

12:58 Eugene Fama on Wall Street “innovation”

13:20 Listener question: fiduciary responsibility in a 401(k) plan

16:30 Listener question: A-shares, B-shares, loads, and advisor honesty

19:14 Why high fund expenses hurt more than exit fees

20:52 Listener question: international exposure in retirement portfolios

22:18 Practical global diversification without precision theater

23:02 Why Don is flexible on allocations—but not on insurance sales

23:22 How to send in questions and closing banter
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]]>
0:04 New year opener, time anxiety, and refusing to acknowledge large numbers

1:05 What a bond actually is—and what it guarantees (and doesn’t)

1:54 CDs vs. bonds: fixed maturity products that already work

2:37 Why Wall Street suddenly “needs” fixed-maturity ETFs

3:22 BulletShares, yields, and the quiet problem of fund expenses

4:45 Larry Swedroe’s blunt answer: skip the fund, buy the bonds

5:24 Yield fixation and how investors ignore cost and complexity

6:05 When fixed-maturity ETFs might make sense—and when they don’t

7:14 I-Bonds, TreasuryDirect, and Don’s practical reality check

7:48 A simple solution: total bond fund plus a CD ladder

8:28 Why fixed maturity doesn’t mean fixed safety

10:09 Expense ratios compared: broad bond funds vs. sliced products

10:35 The real purpose of bonds in a portfolio

12:04 Putting 2022’s bond losses in proper historical context

12:58 Eugene Fama on Wall Street “innovation”

13:20 Listener question: fiduciary responsibility in a 401(k) plan

16:30 Listener question: A-shares, B-shares, loads, and advisor honesty

19:14 Why high fund expenses hurt more than exit fees

20:52 Listener question: international exposure in retirement portfolios

22:18 Practical global diversification without precision theater

23:02 Why Don is flexible on allocations—but not on insurance sales

23:22 How to send in questions and closing banter
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]]> Don McDonald 33773e32-2eb4-11f1-b6ec-8f7845928ea1 Mon, 05 Jan 2026 13:34:00 -0500 1557 false Q&A 2026 Q&A 2026
0:00 New year, new Q&A — and why January changes nothing

1:30 QLACs explained and why the math still favors insurers

2:49 Longevity odds vs. guaranteed income myths

5:15 Trapped in a bad annuity — ride it out or cash out?

8:53 “Magic money,” bonuses, and negative real returns

10:46 Advice-only firms: Abundo Wealth and paying for simplicity

13:44 Bond ETFs vs. CD and Treasury ladder strategies

17:39 When “systematic” fixed income starts to smell like gimmicks

18:53 Alternatives, private credit, and outrageous expense ratios

22:18 Why Don defaults to simplicity — every time

24:35 Global diversification: same advice, any country

27:38 Happy New Year — and why boring still works
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]]>
0:00 New year, new Q&A — and why January changes nothing

1:30 QLACs explained and why the math still favors insurers

2:49 Longevity odds vs. guaranteed income myths

5:15 Trapped in a bad annuity — ride it out or cash out?

8:53 “Magic money,” bonuses, and negative real returns

10:46 Advice-only firms: Abundo Wealth and paying for simplicity

13:44 Bond ETFs vs. CD and Treasury ladder strategies

17:39 When “systematic” fixed income starts to smell like gimmicks

18:53 Alternatives, private credit, and outrageous expense ratios

22:18 Why Don defaults to simplicity — every time

24:35 Global diversification: same advice, any country

27:38 Happy New Year — and why boring still works
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]]> Don McDonald bc1e3ae2-2eb4-11f1-b6ec-734be91fdf2a Fri, 02 Jan 2026 14:25:00 -0500 1809 false Hot? Don't Touch. Hot? Don't Touch.
0:04 Opening banter, Apple censoring Tom’s name, and the beige pudding world

1:12 Bitcoin critics, one-star reviews, and a bad 2025 for crypto

2:03 Core idea: good investing is about elimination, not prediction

2:56 Amy Arnott and the case against active management

4:07 Why past winners usually become future losers

5:28 REITs, once useful, now mostly redundant

6:01 Sector funds as performance-chasing traps

8:19 Alternatives, I Bonds, and junk bonds—complexity without payoff

10:04 Bonds explained properly: stability, not income or excitement

11:14 Gold (and Bitcoin) as non-productive speculation

13:21 Simplify first and portfolios become easier—and calmer

15:05 Retirement bucket strategy: where it helps and where it hurts

18:48 Cash as an emergency tool, not a long-term holding

21:04 MYGA annuities, safety trade-offs, and insurer risk

29:04 Insurance failures as cautionary history

31:04 DFAW explained: Core Equity 1 vs Core Equity 2

35:53 Rebalancing discipline: timing beats tinkering

39:11 Final reminder: stop watching your portfolio so much
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]]>
0:04 Opening banter, Apple censoring Tom’s name, and the beige pudding world

1:12 Bitcoin critics, one-star reviews, and a bad 2025 for crypto

2:03 Core idea: good investing is about elimination, not prediction

2:56 Amy Arnott and the case against active management

4:07 Why past winners usually become future losers

5:28 REITs, once useful, now mostly redundant

6:01 Sector funds as performance-chasing traps

8:19 Alternatives, I Bonds, and junk bonds—complexity without payoff

10:04 Bonds explained properly: stability, not income or excitement

11:14 Gold (and Bitcoin) as non-productive speculation

13:21 Simplify first and portfolios become easier—and calmer

15:05 Retirement bucket strategy: where it helps and where it hurts

18:48 Cash as an emergency tool, not a long-term holding

21:04 MYGA annuities, safety trade-offs, and insurer risk

29:04 Insurance failures as cautionary history

31:04 DFAW explained: Core Equity 1 vs Core Equity 2

35:53 Rebalancing discipline: timing beats tinkering

39:11 Final reminder: stop watching your portfolio so much
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]]> Don McDonald 344096b0-2eb4-11f1-b6ec-4775e4aa4721 Wed, 31 Dec 2025 14:35:00 -0500 2475 false What's Actually New? What's Actually New?
0:04 Holiday cynicism, snow, trees plotting revenge, and Don declares war on Pollyanna finance

1:19 Year-end obsession: why December 31 is an arbitrary psychological trap

2:29 Why “five things to do in the new year” articles exist—and why they’re mostly nonsense

3:55 Asking AI for financial advice and accidentally getting decent answers

4:18 Don’s AI delivers brutal honesty: complexity isn’t sophistication, it’s camouflage

5:54 The most dangerous question of all: “What should I invest in next year?”

6:06 Everyone’s favorite prediction: AI stocks (again), and why that’s backward logic

6:29 The real answer: globally diversified equities, patiently held and largely ignored

8:07 Motley Fool, Morningstar, defense stocks, and the annual prediction circus

9:29 AI’s final verdict: everything after diversification is garnish people argue about on TV

10:33 Listener Brian on New York 529 plans, state tax deductions, and Roth rollover flexibility

11:30 How aggressive is too aggressive for a child’s college savings?

12:45 Why age-based 529 portfolios are often far more conservative than parents realize

14:10 When college money should actually shift to safety—and when it shouldn’t

15:43 The mysterious “Trump accounts”: proposed rules, confusion, and missing details

16:56 Tax treatment uncertainty, Roth myths, and why free money is still free money

18:39 Clear conclusion: this account doesn’t exist yet and nobody knows the real rules

20:05 Don’s full rant: pandering policies, financial clutter, and unnecessary complexity

22:07 Listener Larry on starting a Roth IRA for a 19-year-old with a one-fund solution

22:47 AVGE explained: global, factor-tilted, low-cost, and boring in the best way

24:15 AVGE vs. Vanguard Total World: interest vs. necessity

25:26 AVGE underperformance criticism and why one-year returns are meaningless

28:26 Why Avantis funds aren’t trying to “pick winners” and never claimed to

31:32 Listener Caroline on retirement withdrawals, IRAs, Roths, and tax reality

33:11 The unavoidable truth: you’ll pay taxes—now or later

35:43 How (and where) listeners can actually rate the show

38:01 Politics, labels, John Oliver, and why nuance is apparently illegal now

38:54 Capitalism, fairness, and refusing ideological purity tests
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]]>
0:04 Holiday cynicism, snow, trees plotting revenge, and Don declares war on Pollyanna finance

1:19 Year-end obsession: why December 31 is an arbitrary psychological trap

2:29 Why “five things to do in the new year” articles exist—and why they’re mostly nonsense

3:55 Asking AI for financial advice and accidentally getting decent answers

4:18 Don’s AI delivers brutal honesty: complexity isn’t sophistication, it’s camouflage

5:54 The most dangerous question of all: “What should I invest in next year?”

6:06 Everyone’s favorite prediction: AI stocks (again), and why that’s backward logic

6:29 The real answer: globally diversified equities, patiently held and largely ignored

8:07 Motley Fool, Morningstar, defense stocks, and the annual prediction circus

9:29 AI’s final verdict: everything after diversification is garnish people argue about on TV

10:33 Listener Brian on New York 529 plans, state tax deductions, and Roth rollover flexibility

11:30 How aggressive is too aggressive for a child’s college savings?

12:45 Why age-based 529 portfolios are often far more conservative than parents realize

14:10 When college money should actually shift to safety—and when it shouldn’t

15:43 The mysterious “Trump accounts”: proposed rules, confusion, and missing details

16:56 Tax treatment uncertainty, Roth myths, and why free money is still free money

18:39 Clear conclusion: this account doesn’t exist yet and nobody knows the real rules

20:05 Don’s full rant: pandering policies, financial clutter, and unnecessary complexity

22:07 Listener Larry on starting a Roth IRA for a 19-year-old with a one-fund solution

22:47 AVGE explained: global, factor-tilted, low-cost, and boring in the best way

24:15 AVGE vs. Vanguard Total World: interest vs. necessity

25:26 AVGE underperformance criticism and why one-year returns are meaningless

28:26 Why Avantis funds aren’t trying to “pick winners” and never claimed to

31:32 Listener Caroline on retirement withdrawals, IRAs, Roths, and tax reality

33:11 The unavoidable truth: you’ll pay taxes—now or later

35:43 How (and where) listeners can actually rate the show

38:01 Politics, labels, John Oliver, and why nuance is apparently illegal now

38:54 Capitalism, fairness, and refusing ideological purity tests
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]]> Don McDonald b38420a4-2eb4-11f1-b6ec-fb96a75873fc Tue, 30 Dec 2025 12:58:00 -0500 2455 false Tricky "Investments" Tricky "Investments"
0:04 Post-Christmas welcome, Kyle Busch jokes, and why rich people get fleeced too

1:18 Indexed Universal Life explained (and why it’s not an investment)

1:45 The “bank on yourself” fantasy and why it never dies

2:27 $10.5 million in premiums and promises of $800K tax-free income

3:20 Why IULs avoid SEC and FINRA scrutiny entirely

4:21 The sixth premium notice that blew up the deal

4:41 How IULs implode if you stop paying—and why everything can vanish

5:52 “Tax-free income, high returns, no risk” exposed as marketing fiction

6:01 Hidden commissions, alleged 35% payouts, and zero disclosure

7:37 Proprietary indexes designed to benefit insurers, not investors

8:50 Internal Pacific Life doc: “Don’t call yourself a financial planner”

9:57 Why consumers can’t see costs, commissions, or real returns

11:37 Real-world IUL returns: roughly 3–5% annually

12:23 Why even Kyle Busch doesn’t actually need life insurance

13:44 Caveat emptor—and why “Life” in the firm name should trigger alarms

14:03 Listener portfolio question: 60/15/25 isn’t diversified

14:53 The S&P 500 isn’t “the market” (and seven stocks prove it)

15:54 Simple global solutions vs. portfolio over-engineering

17:11 Podcast tech humor and March seminar tease

17:22 Listener praise—and teaching people how to find podcasts

18:11 2026 seminar date confirmed: March 7

19:23 Career pivot at 53: CFP vs. AFC vs. Series 65

22:02 Why fiduciary firms are hiring—and sales shops are traps

23:22 ETF selection for retirees: growth, risk, and tax efficiency

24:27 Why Morningstar confuses more than it helps

25:07 Dimensional, Avantis, and keeping portfolios simple

26:20 Final thoughts, free fiduciary consults, and year-end wrap
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]]>
0:04 Post-Christmas welcome, Kyle Busch jokes, and why rich people get fleeced too

1:18 Indexed Universal Life explained (and why it’s not an investment)

1:45 The “bank on yourself” fantasy and why it never dies

2:27 $10.5 million in premiums and promises of $800K tax-free income

3:20 Why IULs avoid SEC and FINRA scrutiny entirely

4:21 The sixth premium notice that blew up the deal

4:41 How IULs implode if you stop paying—and why everything can vanish

5:52 “Tax-free income, high returns, no risk” exposed as marketing fiction

6:01 Hidden commissions, alleged 35% payouts, and zero disclosure

7:37 Proprietary indexes designed to benefit insurers, not investors

8:50 Internal Pacific Life doc: “Don’t call yourself a financial planner”

9:57 Why consumers can’t see costs, commissions, or real returns

11:37 Real-world IUL returns: roughly 3–5% annually

12:23 Why even Kyle Busch doesn’t actually need life insurance

13:44 Caveat emptor—and why “Life” in the firm name should trigger alarms

14:03 Listener portfolio question: 60/15/25 isn’t diversified

14:53 The S&P 500 isn’t “the market” (and seven stocks prove it)

15:54 Simple global solutions vs. portfolio over-engineering

17:11 Podcast tech humor and March seminar tease

17:22 Listener praise—and teaching people how to find podcasts

18:11 2026 seminar date confirmed: March 7

19:23 Career pivot at 53: CFP vs. AFC vs. Series 65

22:02 Why fiduciary firms are hiring—and sales shops are traps

23:22 ETF selection for retirees: growth, risk, and tax efficiency

24:27 Why Morningstar confuses more than it helps

25:07 Dimensional, Avantis, and keeping portfolios simple

26:20 Final thoughts, free fiduciary consults, and year-end wrap
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]]> Don McDonald 38ab3444-2eb4-11f1-b6ec-0bc2763741a5 Mon, 29 Dec 2025 12:53:00 -0500 1780 false Extra Qs Extra Qs
0:04 Boxing Day confusion, goodwill, and a short-format holiday Q&A

1:07 Why this is a shorter, four-question episode to wrap the year

2:17 How much can a globally diversified stock portfolio really fall

3:06 Limits of global market data and why 2008 still sets expectations

4:11 Roughly 40% decline for global stocks in 2008 and how bonds softened the blow

4:54 Why worst-case scenarios are about expectations, not predictions

6:07 Listener portfolio with VXUS, AVUV, and SWTSX and whether to add AVDV

6:35 Balancing small-cap value exposure versus keeping things simple

7:56 Why a few basis points rarely justify added complexity

8:38 RetireMeet 2026 question and a well-earned jab at Tom’s joke delivery

10:02 RetireMeet 2026 details and early seat reservations

10:29 Event date and location: March 7, Bellevue at Meydenbauer

11:44 Medicaid-compliant annuities explained through a real family scenario

13:57 Why MCAs are usually last-resort tools, not early planning solutions

15:49 Concerns about elder law attorneys, incentives, and hidden commissions

16:35 What MCAs really do: income conversion, not asset protection

17:28 Why skepticism is healthy and shopping non-commission options matters

18:43 Closing thoughts on trust, incentives, and surviving another financial year
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]]>
0:04 Boxing Day confusion, goodwill, and a short-format holiday Q&A

1:07 Why this is a shorter, four-question episode to wrap the year

2:17 How much can a globally diversified stock portfolio really fall

3:06 Limits of global market data and why 2008 still sets expectations

4:11 Roughly 40% decline for global stocks in 2008 and how bonds softened the blow

4:54 Why worst-case scenarios are about expectations, not predictions

6:07 Listener portfolio with VXUS, AVUV, and SWTSX and whether to add AVDV

6:35 Balancing small-cap value exposure versus keeping things simple

7:56 Why a few basis points rarely justify added complexity

8:38 RetireMeet 2026 question and a well-earned jab at Tom’s joke delivery

10:02 RetireMeet 2026 details and early seat reservations

10:29 Event date and location: March 7, Bellevue at Meydenbauer

11:44 Medicaid-compliant annuities explained through a real family scenario

13:57 Why MCAs are usually last-resort tools, not early planning solutions

15:49 Concerns about elder law attorneys, incentives, and hidden commissions

16:35 What MCAs really do: income conversion, not asset protection

17:28 Why skepticism is healthy and shopping non-commission options matters

18:43 Closing thoughts on trust, incentives, and surviving another financial year
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]]> Don McDonald 9c23a498-2eb4-11f1-b6ec-9f0c0ba04a7b Fri, 26 Dec 2025 14:54:00 -0500 1263 false Market Value? Market Value?
0:04 What something is “worth” versus what someone will actually pay

1:06 Defining private funds and why valuation is murky

2:27 Private fund pricing versus real market pricing

3:56 BlueRock fund haircut: paper value meets reality

4:24 Market pricing, efficiency, and the wisdom of crowds

5:42 The myth of private investments being “less volatile”

6:27 Real estate as the perfect valuation example

7:39 Listener call: inherited IRA and annuity distribution rules

12:42 Holiday humor, crypto annuity joke, and Kentucky bourbon

16:01 Moving assets from Edward Jones, loads, and simplification

19:41 DIY portfolios versus advisor value

21:08 Morningstar’s “Best and Worst New ETFs” critique

22:21 Why most new ETFs exist (and why you don’t need them)

24:43 Shockingly high ETF expense ratios

26:27 Leveraged crypto ETFs and financial absurdity

27:37 Seasonal podcast plug and ratings gripe

28:44 Listener call: Boeing retirement and rollover planning

34:40 Holiday reflections, gratitude, and comfort over riches
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]]>
0:04 What something is “worth” versus what someone will actually pay

1:06 Defining private funds and why valuation is murky

2:27 Private fund pricing versus real market pricing

3:56 BlueRock fund haircut: paper value meets reality

4:24 Market pricing, efficiency, and the wisdom of crowds

5:42 The myth of private investments being “less volatile”

6:27 Real estate as the perfect valuation example

7:39 Listener call: inherited IRA and annuity distribution rules

12:42 Holiday humor, crypto annuity joke, and Kentucky bourbon

16:01 Moving assets from Edward Jones, loads, and simplification

19:41 DIY portfolios versus advisor value

21:08 Morningstar’s “Best and Worst New ETFs” critique

22:21 Why most new ETFs exist (and why you don’t need them)

24:43 Shockingly high ETF expense ratios

26:27 Leveraged crypto ETFs and financial absurdity

27:37 Seasonal podcast plug and ratings gripe

28:44 Listener call: Boeing retirement and rollover planning

34:40 Holiday reflections, gratitude, and comfort over riches
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]]> Don McDonald d2d5199a-2eb4-11f1-b6ec-678d6cc1fd0c Wed, 24 Dec 2025 13:24:00 -0500 2470 false Sucker's Rebellion Sucker's Rebellion
0:04 Opening rant on “financial nihilism,” generational scolding, and why Gen Z investing looks like gambling

1:21 Wall Street Journal column by Kyla Scanlon introduced and framed

2:53 Gambling vs. investing—why “the system is rigged” is a terrible excuse for riskier behavior

5:24 Don and Tom reflect on their own slow, uncomfortable paths to financial stability

6:04 Real-world counterexample: young coworkers who are saving, investing, and buying homes

7:41 Defining “financial nihilism” and why speed, leverage, and impatience backfire

9:00 What actually works: spend less, delay gratification, diversify, avoid leverage

10:46 Historical perspective—every generation faced headwinds, none solved them by gambling

12:39 The power of compounding, patience, and boring index investing

14:41 Critique of the “small chance of huge return beats slow decline” argument

17:12 Listener question: cap-weighted vs. equal-weighted index funds explained

19:11 Why equal weighting tilts toward value and smaller companies—and costs more

20:22 Millennial caller Jason offers empathy for generational frustration without endorsing gambling

23:48 Lifestyle expectations, flexibility, and why hardship doesn’t justify reckless investing

27:27 Food, lifestyle, and historical context—what’s better now, what isn’t

29:25 Hormel vs. Motorola story revisited: why predicting winners is nearly impossible

36:29 Jaw-dropping returns: Hormel’s long-term outperformance over flashy tech

38:45 Light holiday banter, gift absurdities, and wrapping up the show
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]]>
0:04 Opening rant on “financial nihilism,” generational scolding, and why Gen Z investing looks like gambling

1:21 Wall Street Journal column by Kyla Scanlon introduced and framed

2:53 Gambling vs. investing—why “the system is rigged” is a terrible excuse for riskier behavior

5:24 Don and Tom reflect on their own slow, uncomfortable paths to financial stability

6:04 Real-world counterexample: young coworkers who are saving, investing, and buying homes

7:41 Defining “financial nihilism” and why speed, leverage, and impatience backfire

9:00 What actually works: spend less, delay gratification, diversify, avoid leverage

10:46 Historical perspective—every generation faced headwinds, none solved them by gambling

12:39 The power of compounding, patience, and boring index investing

14:41 Critique of the “small chance of huge return beats slow decline” argument

17:12 Listener question: cap-weighted vs. equal-weighted index funds explained

19:11 Why equal weighting tilts toward value and smaller companies—and costs more

20:22 Millennial caller Jason offers empathy for generational frustration without endorsing gambling

23:48 Lifestyle expectations, flexibility, and why hardship doesn’t justify reckless investing

27:27 Food, lifestyle, and historical context—what’s better now, what isn’t

29:25 Hormel vs. Motorola story revisited: why predicting winners is nearly impossible

36:29 Jaw-dropping returns: Hormel’s long-term outperformance over flashy tech

38:45 Light holiday banter, gift absurdities, and wrapping up the show
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]]> Don McDonald 6fe207c6-2eb4-11f1-b6ec-3b67ec66ed6f Tue, 23 Dec 2025 13:37:00 -0500 2471 false Money Suckers Money Suckers
0:04 Life before streaming: rabbit ears, three channels, and forced family labor

0:48 Rewatching Bewitched and realizing old TV was… not great

2:27 Cable’s rise, early streaming optimism, and Netflix’s cheap beginnings

3:30 Subscription creep: listing the modern streaming pileup

4:16 Streaming prices vs inflation — why this hurts more than groceries

6:43 Average household streaming costs and the real percentage increase

8:21 Duplicate subscriptions and why households overpay without realizing it

9:37 Live TV bundles, YouTube TV vs Hulu, and paying cable prices again

12:30 Binge-and-cancel as a legitimate cost-control strategy

14:02 Value judgments: paying for services you don’t actually watch

15:20 Annual audits, forgotten subscriptions, and silent monthly leaks

18:17 Investing $9,000 for an 18-year-old with decades ahead

19:20 Why a Roth IRA plus one global ETF can be enough

20:53 Retirement withdrawals: taxable vs IRA confusion clarified

22:45 When wealth gets big enough that DIY stops making sense

24:00 Trusts, trustees, and why professional oversight is expensive

27:15 Estate planning as a team sport (advisor + attorney)

29:33 Why every TV character is suddenly a podcaster

30:49 Gratitude, rankings, and why the audience matters
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]]>
0:04 Life before streaming: rabbit ears, three channels, and forced family labor

0:48 Rewatching Bewitched and realizing old TV was… not great

2:27 Cable’s rise, early streaming optimism, and Netflix’s cheap beginnings

3:30 Subscription creep: listing the modern streaming pileup

4:16 Streaming prices vs inflation — why this hurts more than groceries

6:43 Average household streaming costs and the real percentage increase

8:21 Duplicate subscriptions and why households overpay without realizing it

9:37 Live TV bundles, YouTube TV vs Hulu, and paying cable prices again

12:30 Binge-and-cancel as a legitimate cost-control strategy

14:02 Value judgments: paying for services you don’t actually watch

15:20 Annual audits, forgotten subscriptions, and silent monthly leaks

18:17 Investing $9,000 for an 18-year-old with decades ahead

19:20 Why a Roth IRA plus one global ETF can be enough

20:53 Retirement withdrawals: taxable vs IRA confusion clarified

22:45 When wealth gets big enough that DIY stops making sense

24:00 Trusts, trustees, and why professional oversight is expensive

27:15 Estate planning as a team sport (advisor + attorney)

29:33 Why every TV character is suddenly a podcaster

30:49 Gratitude, rankings, and why the audience matters
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]]> Don McDonald c4764e46-2eb4-11f1-b6ec-33c3ebb3f5f1 Mon, 22 Dec 2025 13:48:00 -0500 1993 false More Holiday Q&A More Holiday Q&A
0:04 Holiday welcome, Friday Q&A format, and how to submit questions

0:46 Season’s Readings podcast announcement, Apple feature, and commercial-free holiday run

2:16 Fixed annuities vs CDs: safety, state guarantees, and annuity ladders

5:29 Using 529 plans as a long-term Roth pipeline with state tax deductions (Georgia example)

9:29 Moving an IRA to Schwab or Vanguard and automating RMDs

10:20 Investment clubs as partnerships: K-1s, capital gains, and tax inevitability

14:47 How much U.S. large-cap belongs in a diversified stock portfolio

18:54 Reviews, critics, Bitcoin pushback, and holiday sign-off
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]]>
0:04 Holiday welcome, Friday Q&A format, and how to submit questions

0:46 Season’s Readings podcast announcement, Apple feature, and commercial-free holiday run

2:16 Fixed annuities vs CDs: safety, state guarantees, and annuity ladders

5:29 Using 529 plans as a long-term Roth pipeline with state tax deductions (Georgia example)

9:29 Moving an IRA to Schwab or Vanguard and automating RMDs

10:20 Investment clubs as partnerships: K-1s, capital gains, and tax inevitability

14:47 How much U.S. large-cap belongs in a diversified stock portfolio

18:54 Reviews, critics, Bitcoin pushback, and holiday sign-off
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]]> Don McDonald a2dd640e-2eb4-11f1-b6ec-7350682e22d1 Fri, 19 Dec 2025 13:59:00 -0500 1322 false The Upside of Down The Upside of Down
0:04 Why market drops are good for young investors and scary for retirees

0:28 Holiday cheer, audience growth pleas, and the gospel of paper questions

1:40 Why young investors should root for down markets

2:41 Sequence-of-returns risk explained without the jargon

3:20 Real-world retire-at-the-wrong-time examples (2000, 2008, 2020, 2022)

4:48 Why sequence risk is such a big retirement planning problem

5:40 What to do if you fear bad markets near retirement

6:08 Cash buffers and why they actually make sense in retirement

7:06 Bucket strategies and how they’re supposed to work

7:36 CD ladders as a “get-me-through-the-bad-times” strategy

9:27 Flexible withdrawal strategies and lifestyle adjustments

10:37 Partial retirement, side hustles, and easing into retirement

11:33 Why retirees still need stock exposure

12:26 Even small equity allocations help fight inflation

13:20 There is no perfect withdrawal rate—only survivable ones

14:11 The realistic withdrawal range and why stocks are still required

15:33 Why professional fiduciary reviews actually matter

16:21 When life blows up your retirement plan anyway

18:55 Listener question: should a retiree just let stocks ride for heirs?

21:36 Washington CARES, politics, and investing public funds

23:18 Small-cap value vs. small-cap index: FSIVX vs. FSSNX

25:44 Why low-cost value tilts can still make sense

27:00 Smarter gifts: Roth IRAs, 529s, and future-you generosity
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]]>
0:04 Why market drops are good for young investors and scary for retirees

0:28 Holiday cheer, audience growth pleas, and the gospel of paper questions

1:40 Why young investors should root for down markets

2:41 Sequence-of-returns risk explained without the jargon

3:20 Real-world retire-at-the-wrong-time examples (2000, 2008, 2020, 2022)

4:48 Why sequence risk is such a big retirement planning problem

5:40 What to do if you fear bad markets near retirement

6:08 Cash buffers and why they actually make sense in retirement

7:06 Bucket strategies and how they’re supposed to work

7:36 CD ladders as a “get-me-through-the-bad-times” strategy

9:27 Flexible withdrawal strategies and lifestyle adjustments

10:37 Partial retirement, side hustles, and easing into retirement

11:33 Why retirees still need stock exposure

12:26 Even small equity allocations help fight inflation

13:20 There is no perfect withdrawal rate—only survivable ones

14:11 The realistic withdrawal range and why stocks are still required

15:33 Why professional fiduciary reviews actually matter

16:21 When life blows up your retirement plan anyway

18:55 Listener question: should a retiree just let stocks ride for heirs?

21:36 Washington CARES, politics, and investing public funds

23:18 Small-cap value vs. small-cap index: FSIVX vs. FSSNX

25:44 Why low-cost value tilts can still make sense

27:00 Smarter gifts: Roth IRAs, 529s, and future-you generosity
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]]> Don McDonald d2be80fe-2eb4-11f1-b6ec-8bac3387006d Thu, 18 Dec 2025 11:55:00 -0500 1762 false Easy Money Isn't... Easy Money Isn't...
0:05 Show open, intro banter, singing callbacks, and weekend rhythm

0:28 House flipping compared to day trading and FOMO investing

1:28 Why flipping activity is down sharply: costs, rates, and competition

3:41 The myth of “passive income” in real estate

4:50 Softer housing markets and demographic headwinds

6:02 No magic systems—long-term investing still wins

8:27 Lisa (Colorado): investing nonprofit funds at Vanguard

10:30 VOO vs VTI vs VT and the case for global diversification

12:29 Volatility, standard deviation, and diversification basics

14:44 Sharpe ratios, recency bias, and misleading performance metrics

16:54 Charles (Seattle): Boeing plans, VOO, and AVGE at Schwab

18:32 S&P 500 concentration risk and the “Magnificent Seven”

21:33 Jason (Sammamish): VTI vs VT debate and long-term market data

28:41 Debbie (Camano Island): portfolio risk concerns at age 73

31:20 Risk tolerance vs risk capacity in retirement

33:16 Vanguard target-date funds as a simple retirement solution

36:01 Lighter close with creative fundraising and holiday humor
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]]>
0:05 Show open, intro banter, singing callbacks, and weekend rhythm

0:28 House flipping compared to day trading and FOMO investing

1:28 Why flipping activity is down sharply: costs, rates, and competition

3:41 The myth of “passive income” in real estate

4:50 Softer housing markets and demographic headwinds

6:02 No magic systems—long-term investing still wins

8:27 Lisa (Colorado): investing nonprofit funds at Vanguard

10:30 VOO vs VTI vs VT and the case for global diversification

12:29 Volatility, standard deviation, and diversification basics

14:44 Sharpe ratios, recency bias, and misleading performance metrics

16:54 Charles (Seattle): Boeing plans, VOO, and AVGE at Schwab

18:32 S&P 500 concentration risk and the “Magnificent Seven”

21:33 Jason (Sammamish): VTI vs VT debate and long-term market data

28:41 Debbie (Camano Island): portfolio risk concerns at age 73

31:20 Risk tolerance vs risk capacity in retirement

33:16 Vanguard target-date funds as a simple retirement solution

36:01 Lighter close with creative fundraising and holiday humor
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]]> Don McDonald b28017a8-2eb4-11f1-b6ec-036b447b9c8d Wed, 17 Dec 2025 14:56:00 -0500 2475 false Investing Reality Check Investing Reality Check
0:04 Tom gets stranded by flooding after a questionable river-crossing idea

1:40 Flood damage reality check and sympathy for displaced homeowners

2:22 Market year-end context and “Dave Ramsey average” returns

3:32 Bond funds surprise with strong year-to-date performance

4:05 International and global funds crush expectations

5:46 Why your return may lag headlines: allocation, costs, and recency bias

6:20 Apples-to-apples portfolio comparisons matter

9:26 Active funds underperforming despite a strong market year

10:47 Global diversification pays off big in 2025

12:04 January prerecorded show tease and holiday logistics

13:25 Seasons Readings featured by Apple Podcasts—downloads explode

15:18 Fiction chart brag: sandwiched between Julie Andrews and Hugh Bonneville

16:25 Listener call: John Hancock IRA, forced conversions, and bad advice

19:06 Why liquidating inside an IRA is not a taxable event

20:17 Exposing high-cost, loaded funds and custodian nonsense

23:35 Listener question: Roth conversions, pensions, and IRMAA timing

26:36 Why “top tax bracket forever” is usually a myth

27:31 Listener call: debt settlement and taxable forgiveness income

30:13 When a 1099-C is a good deal anyway

31:56 Flood-era investment scams and terrible ideas

35:55 Clarifying direct rollovers vs. taking possession of funds

38:13 Roth IRAs for young earners—yes, even pizza money
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]]>
0:04 Tom gets stranded by flooding after a questionable river-crossing idea

1:40 Flood damage reality check and sympathy for displaced homeowners

2:22 Market year-end context and “Dave Ramsey average” returns

3:32 Bond funds surprise with strong year-to-date performance

4:05 International and global funds crush expectations

5:46 Why your return may lag headlines: allocation, costs, and recency bias

6:20 Apples-to-apples portfolio comparisons matter

9:26 Active funds underperforming despite a strong market year

10:47 Global diversification pays off big in 2025

12:04 January prerecorded show tease and holiday logistics

13:25 Seasons Readings featured by Apple Podcasts—downloads explode

15:18 Fiction chart brag: sandwiched between Julie Andrews and Hugh Bonneville

16:25 Listener call: John Hancock IRA, forced conversions, and bad advice

19:06 Why liquidating inside an IRA is not a taxable event

20:17 Exposing high-cost, loaded funds and custodian nonsense

23:35 Listener question: Roth conversions, pensions, and IRMAA timing

26:36 Why “top tax bracket forever” is usually a myth

27:31 Listener call: debt settlement and taxable forgiveness income

30:13 When a 1099-C is a good deal anyway

31:56 Flood-era investment scams and terrible ideas

35:55 Clarifying direct rollovers vs. taking possession of funds

38:13 Roth IRAs for young earners—yes, even pizza money
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]]> Don McDonald 372aab0e-2eb4-11f1-b6ec-276e3b57ff60 Tue, 16 Dec 2025 13:07:00 -0500 2470 false Retirement Reality Check Retirement Reality Check
0:06 Opening and the retirement gap problem

0:52 Podcast platforms, Apple vs Spotify, and Don’s short-story empire

4:08 How TRM ranks among investing podcasts and why that still feels surreal

5:24 Vanguard data: only 40% of near-retirees are on track

6:51 Kids, money, and why retirement math gets uncomfortable fast

7:51 Strategy #1: Working longer (and why part-time can be powerful)

9:41 Purpose, boredom, and the underrated psychology of retirement

10:00 Strategy #2: Home equity as a retirement resource

11:12 Downsizing, renting, HELOCs, and reverse mortgage trade-offs

13:05 Strategy #3: Spending less—before and during retirement

14:29 Reverse mortgage costs, limits, and real-world implications

17:01 Social Security timing and when immediate annuities actually help

18:40 Inflation risk, fixed income streams, and practical trade-offs

19:02 Listener Q: AVGE vs DFAW and understanding underlying holdings

21:48 Listener Q: Aggressive Roth portfolios intended for heirs

25:30 Listener Q: Washington 529 plans and GET vs traditional 529s

27:32 Listener Q: Quantum computing (short answer: no)

28:59 Sector investing, AI hype, and why diversification wins
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]]>
0:06 Opening and the retirement gap problem

0:52 Podcast platforms, Apple vs Spotify, and Don’s short-story empire

4:08 How TRM ranks among investing podcasts and why that still feels surreal

5:24 Vanguard data: only 40% of near-retirees are on track

6:51 Kids, money, and why retirement math gets uncomfortable fast

7:51 Strategy #1: Working longer (and why part-time can be powerful)

9:41 Purpose, boredom, and the underrated psychology of retirement

10:00 Strategy #2: Home equity as a retirement resource

11:12 Downsizing, renting, HELOCs, and reverse mortgage trade-offs

13:05 Strategy #3: Spending less—before and during retirement

14:29 Reverse mortgage costs, limits, and real-world implications

17:01 Social Security timing and when immediate annuities actually help

18:40 Inflation risk, fixed income streams, and practical trade-offs

19:02 Listener Q: AVGE vs DFAW and understanding underlying holdings

21:48 Listener Q: Aggressive Roth portfolios intended for heirs

25:30 Listener Q: Washington 529 plans and GET vs traditional 529s

27:32 Listener Q: Quantum computing (short answer: no)

28:59 Sector investing, AI hype, and why diversification wins
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]]> Don McDonald b4436f0e-2eb4-11f1-b6ec-eb9b115fcbd4 Mon, 15 Dec 2025 13:58:00 -0500 1907 false Santa's Little As Santa's Little As
0:17 Corny holiday Q&A musical intro and setup

0:33 Friday Q&A format, how questions get on the show, and holiday vibe

2:00 Medicare vs. Medicare Advantage, IRMAA penalties, and why private insurers are exhausting

3:37 Why capital gains can make Medicare shockingly expensive

4:15 The profit motive problem with Medicare Advantage plans

4:37 Question transition and listener call-in reminder

5:43 Managing an 82-year-old’s taxable account: safety vs. yield

6:18 Why bond funds like BND diversify interest-rate risk better than savings accounts

7:15 CD ladders: how they work and why discipline matters

7:39 Treasury funds vs. total bond funds for capital preservation

7:47 Closing thoughts on preservation-focused portfolios

8:52 Target-date funds vs. DIY 401(k) portfolios

9:20 Glide paths, rebalancing, and what target-date funds do well

10:35 100% equity risk, volatility, and why down markets help accumulators

10:53 Choosing between AVDV and AVES (international small value vs. emerging markets)

11:47 Why the correct answer is often “both”

12:33 Teaching high school students about investing

13:52 Why stock-picking education reinforces a dangerous myth

14:28 Luck vs. skill and the evidence against beating the market

15:39 Index funds, market efficiency, and investor behavior

16:49 Morningstar vs. other research tools

17:18 Empower’s “free portfolio review” and what might be coming next

18:06 Portfolio concentration concerns and tech exposure

19:33 Humor break and annuity skepticism

20:55 What Empower actually is and what that implies

21:16 Empower as an RIA and how to treat their recommendations

21:52 Getting a second opinion from a fee-only advisor

22:58 Thanks, holiday wrap-up, and call for more questions
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]]>
0:17 Corny holiday Q&A musical intro and setup

0:33 Friday Q&A format, how questions get on the show, and holiday vibe

2:00 Medicare vs. Medicare Advantage, IRMAA penalties, and why private insurers are exhausting

3:37 Why capital gains can make Medicare shockingly expensive

4:15 The profit motive problem with Medicare Advantage plans

4:37 Question transition and listener call-in reminder

5:43 Managing an 82-year-old’s taxable account: safety vs. yield

6:18 Why bond funds like BND diversify interest-rate risk better than savings accounts

7:15 CD ladders: how they work and why discipline matters

7:39 Treasury funds vs. total bond funds for capital preservation

7:47 Closing thoughts on preservation-focused portfolios

8:52 Target-date funds vs. DIY 401(k) portfolios

9:20 Glide paths, rebalancing, and what target-date funds do well

10:35 100% equity risk, volatility, and why down markets help accumulators

10:53 Choosing between AVDV and AVES (international small value vs. emerging markets)

11:47 Why the correct answer is often “both”

12:33 Teaching high school students about investing

13:52 Why stock-picking education reinforces a dangerous myth

14:28 Luck vs. skill and the evidence against beating the market

15:39 Index funds, market efficiency, and investor behavior

16:49 Morningstar vs. other research tools

17:18 Empower’s “free portfolio review” and what might be coming next

18:06 Portfolio concentration concerns and tech exposure

19:33 Humor break and annuity skepticism

20:55 What Empower actually is and what that implies

21:16 Empower as an RIA and how to treat their recommendations

21:52 Getting a second opinion from a fee-only advisor

22:58 Thanks, holiday wrap-up, and call for more questions
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]]> Don McDonald ce4b40e8-2eb4-11f1-b6ec-8fb3d342baa9 Fri, 12 Dec 2025 14:03:00 -0500 1481 false Four Money Moods Four Money Moods
0:04 Don’s intro and NPR-style location banter

1:08 Why the episode is about how we feel about money

1:40 Explaining the four sentiment quadrants in the WSJ/NORC poll

3:12 Tom begins the quiz: current financial satisfaction

4:23 Confidence levels across jobs, savings, and expenses

6:04 Vacations, stock market reactions, and financial worry

8:10 Comparing today’s challenges to parents’ generation

9:18 Buying a home, marriage, caregiving

10:07 Rating the strength of the U.S. economy

10:46 Optimism about the future and “the American dream”

11:26 Expectations for the next year and future generations

13:06 Results: Tom is a “comfortable pessimist”

14:44 Why pessimism dominates the national mood

15:16 What individuals can—and can’t—control about tomorrow

16:29 Listener question: retiring at 63 with mixed assets and too much cash

19:14 How risk tolerance should drive allocation, not income sources

20:35 Fixing the portfolio’s biggest issue: excess high-yield savings

21:54 Listener question: should a 47-year-old investor be 100% stocks?

23:11 Why very few people can stomach a 50% decline

23:59 The case for diversification even when accumulating

24:44 Listener question: automatic ETF withdrawals in retirement

26:15 Annual or semiannual rebalancing as a solution

27:28 ETFs vs. mutual funds: cost vs. convenience

29:13 Year-end cleanup and planning habits
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]]>
0:04 Don’s intro and NPR-style location banter

1:08 Why the episode is about how we feel about money

1:40 Explaining the four sentiment quadrants in the WSJ/NORC poll

3:12 Tom begins the quiz: current financial satisfaction

4:23 Confidence levels across jobs, savings, and expenses

6:04 Vacations, stock market reactions, and financial worry

8:10 Comparing today’s challenges to parents’ generation

9:18 Buying a home, marriage, caregiving

10:07 Rating the strength of the U.S. economy

10:46 Optimism about the future and “the American dream”

11:26 Expectations for the next year and future generations

13:06 Results: Tom is a “comfortable pessimist”

14:44 Why pessimism dominates the national mood

15:16 What individuals can—and can’t—control about tomorrow

16:29 Listener question: retiring at 63 with mixed assets and too much cash

19:14 How risk tolerance should drive allocation, not income sources

20:35 Fixing the portfolio’s biggest issue: excess high-yield savings

21:54 Listener question: should a 47-year-old investor be 100% stocks?

23:11 Why very few people can stomach a 50% decline

23:59 The case for diversification even when accumulating

24:44 Listener question: automatic ETF withdrawals in retirement

26:15 Annual or semiannual rebalancing as a solution

27:28 ETFs vs. mutual funds: cost vs. convenience

29:13 Year-end cleanup and planning habits
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]]> Don McDonald cb9bc4f8-2eb4-11f1-b6ec-5353d235d32e Thu, 11 Dec 2025 14:42:00 -0500 1879 false Rolling In His Grave? Rolling In His Grave?
0:04 Opening and setup: Vanguard’s recent drift toward complex products

1:03 Vanguard’s dominance in target-date funds and why simplicity used to be the point

1:58 Vanguard adding annuities into 401(k) target-date funds — is this helping anyone?

3:11 What does an annuity inside a target-date fund even mean?

4:03 The 25% annuity allocation example and the misleading “8% payout” illusion

5:03 TIAA’s role and why annuity costs remain unclear

6:28 Are annuities inside retirement plans a solution in search of a problem?

7:38 The fine print: Vanguard’s new collective trusts and weak disclosure requirements

8:20 Why collective investment trusts are lightly regulated and potentially concerning

9:07 Caller: Roth conversions when you’re withdrawing to live on — should you stop?

11:32 When Roth conversions lose their benefit and why you need cash for taxes

12:21 Caller: Are Schwab target-date funds worth it in a Roth? (Short answer: No.)

13:31 Why Schwab’s higher fees and low international allocation are a problem

14:52 Active management inside target-date funds — unnecessary and risky

16:12 Risk vs. return: Schwab’s higher volatility and lower historical performance

16:41 Caller: Missed market gains while transferring funds — how to get back in

18:49 When market discomfort signals a stock/bond misalignment

20:16 Comparing Schwab vs. Vanguard target-date funds over 15 years

21:37 Why lower cost + lower volatility + better return makes Vanguard the clear win

22:02 Should you fear future gimmicks like private credit inside target-date funds?

23:29 Caller PSA: Realizing capital gains in a low-income year

24:06 ETF explosion — 908 new ETFs this year, most using leverage or derivatives

25:29 Why “ETF” doesn’t mean good; junk ETFs equal junk mutual funds

26:05 Structural benefits of ETFs and why the market prefers them

27:29 Soccer vs. NFL detour, then back to phone calls

29:07 Listener question from Colorado: Should you buy a TIPS fund?

31:01 Why TIPS rarely add value in diversified portfolios

33:22 TIPS behave more like inflation bets than true inflation protection

34:34 Why simple, short/intermediate, high-quality bonds—and CDs—often do the job

36:17 Caller: What is a buffered ETF, and why does it sound like an annuity?

37:29 Buffered ETFs explained: expensive, complicated, and unnecessary

38:30 Why gimmicks dominate product launches and how they hurt investors
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]]>
0:04 Opening and setup: Vanguard’s recent drift toward complex products

1:03 Vanguard’s dominance in target-date funds and why simplicity used to be the point

1:58 Vanguard adding annuities into 401(k) target-date funds — is this helping anyone?

3:11 What does an annuity inside a target-date fund even mean?

4:03 The 25% annuity allocation example and the misleading “8% payout” illusion

5:03 TIAA’s role and why annuity costs remain unclear

6:28 Are annuities inside retirement plans a solution in search of a problem?

7:38 The fine print: Vanguard’s new collective trusts and weak disclosure requirements

8:20 Why collective investment trusts are lightly regulated and potentially concerning

9:07 Caller: Roth conversions when you’re withdrawing to live on — should you stop?

11:32 When Roth conversions lose their benefit and why you need cash for taxes

12:21 Caller: Are Schwab target-date funds worth it in a Roth? (Short answer: No.)

13:31 Why Schwab’s higher fees and low international allocation are a problem

14:52 Active management inside target-date funds — unnecessary and risky

16:12 Risk vs. return: Schwab’s higher volatility and lower historical performance

16:41 Caller: Missed market gains while transferring funds — how to get back in

18:49 When market discomfort signals a stock/bond misalignment

20:16 Comparing Schwab vs. Vanguard target-date funds over 15 years

21:37 Why lower cost + lower volatility + better return makes Vanguard the clear win

22:02 Should you fear future gimmicks like private credit inside target-date funds?

23:29 Caller PSA: Realizing capital gains in a low-income year

24:06 ETF explosion — 908 new ETFs this year, most using leverage or derivatives

25:29 Why “ETF” doesn’t mean good; junk ETFs equal junk mutual funds

26:05 Structural benefits of ETFs and why the market prefers them

27:29 Soccer vs. NFL detour, then back to phone calls

29:07 Listener question from Colorado: Should you buy a TIPS fund?

31:01 Why TIPS rarely add value in diversified portfolios

33:22 TIPS behave more like inflation bets than true inflation protection

34:34 Why simple, short/intermediate, high-quality bonds—and CDs—often do the job

36:17 Caller: What is a buffered ETF, and why does it sound like an annuity?

37:29 Buffered ETFs explained: expensive, complicated, and unnecessary

38:30 Why gimmicks dominate product launches and how they hurt investors
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]]> Don McDonald 7102eb3e-2eb4-11f1-b6ec-cfeea87954e2 Wed, 10 Dec 2025 13:45:00 -0500 2413 false Huh? or Duh! Huh? or Duh!
0:04 Seasonal return of Ha or Duh and setup of Investopedia’s “investing rules”

1:32 Rule 1: Never sell because of emotions — duh

2:44 Rule 2: “Only invest in what you know” — emphatic huh

3:35 Rule 3: Good investment in a bad market — phrasing unclear, lean duh

4:26 Rule 4: Never underestimate compounding — mega-duh

5:35 Rule 5: Cash and patience as “positions” — hard huh

6:25 Segment break into calls

7:49 Back to Ha or Duh lightning round

8:33 Buy low, sell high — duh (with caveats)

9:58 “Losses are tuition you won’t get at uni” — pass

10:21 Hold for the long term — duh

11:09 Marathon, not sprint — duh

11:39 Is education the best investment? Nuanced disagreement

12:45 “Always do your own due diligence” — modified duh (about advisors, not stocks)

15:22 FOMO avoidance — duh

16:27 Final rule: Start now — biggest duh of all

17:41 Wrap-up and transition back to regular Q&A

18:06 Listener question: Finding the “sociopath son” episode

19:28 Setup for Friday’s Q&A episode

20:18 Don’s town turns into “free Disney World” during holidays

21:51 Disney hotel pricing shock and personal stories

23:42 Don’s new original Christmas story: Santaverse

24:01 Story podcasts spike; Short Storyverses mention

25:28 Listener from Bothell: 90% blue chips, 10% cash — how to rebalance?

26:39 Why blue chips aren’t diversified and the S&P concentration problem

28:52 Listener in high bracket asks when Roth beats pre-tax

30:26 SECURE Act 2.0 catch-up rules; Roth vs. pre-tax philosophy

32:10 Monte Carlo vs. unknowable future tax rates

33:26 Why all-Roth 401(k)s would simplify life

34:28 Advice: Likely stay pre-tax in 24% bracket

35:50 Shocking stats: Seattle among highest crypto-owning zip codes

37:24 Air Force bases dominate crypto ownership — why it’s dangerous
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]]>
0:04 Seasonal return of Ha or Duh and setup of Investopedia’s “investing rules”

1:32 Rule 1: Never sell because of emotions — duh

2:44 Rule 2: “Only invest in what you know” — emphatic huh

3:35 Rule 3: Good investment in a bad market — phrasing unclear, lean duh

4:26 Rule 4: Never underestimate compounding — mega-duh

5:35 Rule 5: Cash and patience as “positions” — hard huh

6:25 Segment break into calls

7:49 Back to Ha or Duh lightning round

8:33 Buy low, sell high — duh (with caveats)

9:58 “Losses are tuition you won’t get at uni” — pass

10:21 Hold for the long term — duh

11:09 Marathon, not sprint — duh

11:39 Is education the best investment? Nuanced disagreement

12:45 “Always do your own due diligence” — modified duh (about advisors, not stocks)

15:22 FOMO avoidance — duh

16:27 Final rule: Start now — biggest duh of all

17:41 Wrap-up and transition back to regular Q&A

18:06 Listener question: Finding the “sociopath son” episode

19:28 Setup for Friday’s Q&A episode

20:18 Don’s town turns into “free Disney World” during holidays

21:51 Disney hotel pricing shock and personal stories

23:42 Don’s new original Christmas story: Santaverse

24:01 Story podcasts spike; Short Storyverses mention

25:28 Listener from Bothell: 90% blue chips, 10% cash — how to rebalance?

26:39 Why blue chips aren’t diversified and the S&P concentration problem

28:52 Listener in high bracket asks when Roth beats pre-tax

30:26 SECURE Act 2.0 catch-up rules; Roth vs. pre-tax philosophy

32:10 Monte Carlo vs. unknowable future tax rates

33:26 Why all-Roth 401(k)s would simplify life

34:28 Advice: Likely stay pre-tax in 24% bracket

35:50 Shocking stats: Seattle among highest crypto-owning zip codes

37:24 Air Force bases dominate crypto ownership — why it’s dangerous
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]]> Don McDonald 387fadec-2eb4-11f1-b6ec-9345a84dbe17 Tue, 09 Dec 2025 12:59:00 -0500 2471 false Nobody’s Perfect Nobody’s Perfect
0:04 Investing as the Wild West and why caveat emptor still defines the industry

0:24 Schwab’s role as custodian vs. broker and how they reshaped trading costs

1:14 Schwab’s discount-broker origins and institutional dominance

2:37 Free trades, market influence, and why Schwab became the industry’s leader

3:52 CEO Rick Wurster’s warning about gambling creeping into investing

4:43 Sports betting numbers, prop bets, and why only 5 percent come out ahead

5:54 The “bad”: Schwab retail selling and the fiduciary confusion

6:40 The “ugly”: Schwab buying Forge Global and pushing private-company speculation

7:23 Why private equity is riskier, pricier, illiquid, and over-hyped

8:17 The myth of private companies outperforming public ones

9:22 Why the Wild West persists: weak oversight, self-dealing, and revolving doors

10:48 Listener question: stablecoins, crypto legitimation, and the greater-fool problem

13:00 Currency concerns and why crypto still solves nothing

13:50 5 percent withdrawal strategy: when and how to draw from your portfolio

15:28 Rebalancing, total return withdrawals, and annual cash-flow discipline

16:47 Why withdrawals should follow rebalancing, not lead it

17:56 Vanguard mutual-fund-to-ETF conversions: how they work and why they’re useful

20:10 Expense-ratio savings vs. capital-gains distributions

20:55 TSP-to-Roth conversion question: tax-rate timing matters

22:44 Only convert if you can pay taxes from outside savings

23:08 Reminder: free adviser meetings, no sales pressure

24:10 TRM’s longevity and approaching episode 2,000
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]]>
0:04 Investing as the Wild West and why caveat emptor still defines the industry

0:24 Schwab’s role as custodian vs. broker and how they reshaped trading costs

1:14 Schwab’s discount-broker origins and institutional dominance

2:37 Free trades, market influence, and why Schwab became the industry’s leader

3:52 CEO Rick Wurster’s warning about gambling creeping into investing

4:43 Sports betting numbers, prop bets, and why only 5 percent come out ahead

5:54 The “bad”: Schwab retail selling and the fiduciary confusion

6:40 The “ugly”: Schwab buying Forge Global and pushing private-company speculation

7:23 Why private equity is riskier, pricier, illiquid, and over-hyped

8:17 The myth of private companies outperforming public ones

9:22 Why the Wild West persists: weak oversight, self-dealing, and revolving doors

10:48 Listener question: stablecoins, crypto legitimation, and the greater-fool problem

13:00 Currency concerns and why crypto still solves nothing

13:50 5 percent withdrawal strategy: when and how to draw from your portfolio

15:28 Rebalancing, total return withdrawals, and annual cash-flow discipline

16:47 Why withdrawals should follow rebalancing, not lead it

17:56 Vanguard mutual-fund-to-ETF conversions: how they work and why they’re useful

20:10 Expense-ratio savings vs. capital-gains distributions

20:55 TSP-to-Roth conversion question: tax-rate timing matters

22:44 Only convert if you can pay taxes from outside savings

23:08 Reminder: free adviser meetings, no sales pressure

24:10 TRM’s longevity and approaching episode 2,000
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]]> Don McDonald b20d0c86-2eb4-11f1-b6ec-33e791184647 Mon, 08 Dec 2025 13:28:00 -0500 1643 false Always Question Season Always Question Season
0:04 Friday Q&A intro and listener call-ins

1:19 Do you need bonds when pensions cover all expenses?

3:01 Why fixed income still matters (and how to gauge risk tolerance)

4:33 Listener request: Don recreates a KOA radio tagline

7:29 A messy CoreBridge 403(b): what funds to keep and how simple it can be

11:37 Target-date vs. multi-fund portfolios and a small value tilt option

12:05 Bill Bengen’s new withdrawal rate comments — does 8% make any sense?

14:07 Why high withdrawal rates implode in historical simulations

16:02 Inherited IRA: what’s actually taxed and how to plan distributions

18:35 The bracket danger of big lump-sum withdrawals

19:31 Final question: difference between a security and an equity

21:15 Why music licensing on podcasts is a nightmare
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]]>
0:04 Friday Q&A intro and listener call-ins

1:19 Do you need bonds when pensions cover all expenses?

3:01 Why fixed income still matters (and how to gauge risk tolerance)

4:33 Listener request: Don recreates a KOA radio tagline

7:29 A messy CoreBridge 403(b): what funds to keep and how simple it can be

11:37 Target-date vs. multi-fund portfolios and a small value tilt option

12:05 Bill Bengen’s new withdrawal rate comments — does 8% make any sense?

14:07 Why high withdrawal rates implode in historical simulations

16:02 Inherited IRA: what’s actually taxed and how to plan distributions

18:35 The bracket danger of big lump-sum withdrawals

19:31 Final question: difference between a security and an equity

21:15 Why music licensing on podcasts is a nightmare
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]]> Don McDonald c284d620-2eb4-11f1-b6ec-9f3bb19544eb Fri, 05 Dec 2025 13:07:00 -0500 1448 false Year-End Tax Shock Year-End Tax Shock
0:04 Capital-gains season returns and why high fund returns can still hurt

0:29 Don & Tom on weather, wardrobe, and warming up in Florida

1:30 December capital-gains distributions and why they happen

2:07 Morningstar’s warning: active funds with big capital-gains payouts

3:06 Vanguard, T. Rowe Price, and American Funds distribution levels

4:09 The biggest offender: Royce Midcap Total Return Fund

5:41 Why 35 funds will distribute more than 10% of assets

5:52 The stunning number: Royce’s 83% capital-gains distribution

6:52 Why big outflows and poor performance drive big taxable events

7:21 Royce’s turnover, tiny size, high costs, and weak long-term returns

8:47 Why it’s critical to hold active funds only in tax-advantaged accounts

10:07 ETFs vs mutual funds: tax efficiency and turnover differences

11:42 Comparing Royce to Avantis AVGE on fees, turnover, and performance

12:16 How AVGE tracks its index vs Royce’s massive underperformance

13:33 When selling an active fund before a distribution may or may not help

14:05 Listener question: overly detailed allocation request — why it needs a meeting

16:29 Why some questions require one-on-one analysis

18:20 Why Appella’s free meetings exist (and what they’re not)

20:35 Odd-lot tender offers explained

22:14 Listener: selling Edward Jones stock holdings and leaving EJ

23:42 Why small, young investors should clean up taxable accounts early

24:24 The long decline of commission-based brokerage

25:26 Bothell check-in: blue-chip stocks vs bonds

27:18 Historical returns: 98 years of total market vs small-cap value

28:49 Why bonds exist in a portfolio despite low recent returns

29:30 Closing thoughts on discipline, diversification, and realism
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]]>
0:04 Capital-gains season returns and why high fund returns can still hurt

0:29 Don & Tom on weather, wardrobe, and warming up in Florida

1:30 December capital-gains distributions and why they happen

2:07 Morningstar’s warning: active funds with big capital-gains payouts

3:06 Vanguard, T. Rowe Price, and American Funds distribution levels

4:09 The biggest offender: Royce Midcap Total Return Fund

5:41 Why 35 funds will distribute more than 10% of assets

5:52 The stunning number: Royce’s 83% capital-gains distribution

6:52 Why big outflows and poor performance drive big taxable events

7:21 Royce’s turnover, tiny size, high costs, and weak long-term returns

8:47 Why it’s critical to hold active funds only in tax-advantaged accounts

10:07 ETFs vs mutual funds: tax efficiency and turnover differences

11:42 Comparing Royce to Avantis AVGE on fees, turnover, and performance

12:16 How AVGE tracks its index vs Royce’s massive underperformance

13:33 When selling an active fund before a distribution may or may not help

14:05 Listener question: overly detailed allocation request — why it needs a meeting

16:29 Why some questions require one-on-one analysis

18:20 Why Appella’s free meetings exist (and what they’re not)

20:35 Odd-lot tender offers explained

22:14 Listener: selling Edward Jones stock holdings and leaving EJ

23:42 Why small, young investors should clean up taxable accounts early

24:24 The long decline of commission-based brokerage

25:26 Bothell check-in: blue-chip stocks vs bonds

27:18 Historical returns: 98 years of total market vs small-cap value

28:49 Why bonds exist in a portfolio despite low recent returns

29:30 Closing thoughts on discipline, diversification, and realism
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]]> Don McDonald 83a17224-2eb4-11f1-b6ec-47b97080553f Thu, 04 Dec 2025 12:17:00 -0500 1922 false Hard to Pick Hard to Pick
0:06 Thanksgiving haze, Manhattans, overeating, and setting up the show

2:24 Magnificent 7 vs S&P 493 and how concentrated returns distort hindsight

4:49 1985’s shock winners: Hormel, Lowe’s (the other one), Franklin Resources

7:41 The 1980–1990 decade: Hormel and McDonald’s huge runs and why none were predictable

8:10 Why you need small, value, and international beyond the S&P 500

10:58 Caller: retiring at 56, 72(t) rules, penalties, and whether IRA vs 401(k) location matters

14:28 Correction: SEPP applies only to the chosen account, not all pre-tax assets

16:36 Travel while you can: knees, age, lie-flat flights, and holiday banter

20:21 Caller: AVGE vs AVGV, value tilts, the overlap, and whether it’s worth the swap

22:49 Why AVGV exists (and why advisors may not need it)

27:35 Thanksgiving email: dividend-obsessed relative critiques VXUS payouts

29:53 What dividends really mean—and don’t—and why payout “stability” is useless

35:49 Voicemail: Fidelity wants 1.24% to “manage” half a 401(k); is it worth it? (No.)
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]]>
0:06 Thanksgiving haze, Manhattans, overeating, and setting up the show

2:24 Magnificent 7 vs S&P 493 and how concentrated returns distort hindsight

4:49 1985’s shock winners: Hormel, Lowe’s (the other one), Franklin Resources

7:41 The 1980–1990 decade: Hormel and McDonald’s huge runs and why none were predictable

8:10 Why you need small, value, and international beyond the S&P 500

10:58 Caller: retiring at 56, 72(t) rules, penalties, and whether IRA vs 401(k) location matters

14:28 Correction: SEPP applies only to the chosen account, not all pre-tax assets

16:36 Travel while you can: knees, age, lie-flat flights, and holiday banter

20:21 Caller: AVGE vs AVGV, value tilts, the overlap, and whether it’s worth the swap

22:49 Why AVGV exists (and why advisors may not need it)

27:35 Thanksgiving email: dividend-obsessed relative critiques VXUS payouts

29:53 What dividends really mean—and don’t—and why payout “stability” is useless

35:49 Voicemail: Fidelity wants 1.24% to “manage” half a 401(k); is it worth it? (No.)
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]]> Don McDonald d1f1f4da-2eb4-11f1-b6ec-53d8c5fda017 Wed, 03 Dec 2025 12:47:00 -0500 2461 false Cold Calls & Commissions Cold Calls & Commissions
0:04 Tech glitches, Thanksgiving jokes, and Tom’s three-week vacation cadence

1:45 Why this is “not the best-of”—it may be the worst-of

2:26 Don’s Dean Witter cold-call origin story and the culture of selling, not advising

3:35 Northwestern Mutual’s rebrand and the Guardian investigation

4:08 False promises: “You’ll make $200K in three years”

5:12 The cold-calling boot camp and why only one trainee survived (Don)

6:46 Inside the student recruitment pipeline and the friends-and-family harvesting

8:11 Whole life math: the S&P at +3700% vs. Northwestern at +44%

10:50 Why whole life persists: commissions

12:41 Wrap-up of the Guardian findings and the industry’s structural sleight-of-hand

16:23 CALL: Cambridge Wealth “index” portfolio with hidden fees

23:14 The reveal: Cambridge’s small-account wrap fees approach 3% per year

25:54 CALL: Son-in-law selling insurance, knows it’s a ripoff, loves the money

28:55 Thanksgiving family drama and the “sociopath vs. psychopath” riff

29:59 CALL: How much term life insurance should a high-income parent carry?

32:52 CALL (same): Splitting Roth vs. pre-tax contributions when income is high

34:28 CALL: How to find a true fiduciary (and avoid annuity traps)

37:59 The advisor interview form and how to make salespeople disqualify themselves
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]]>
0:04 Tech glitches, Thanksgiving jokes, and Tom’s three-week vacation cadence

1:45 Why this is “not the best-of”—it may be the worst-of

2:26 Don’s Dean Witter cold-call origin story and the culture of selling, not advising

3:35 Northwestern Mutual’s rebrand and the Guardian investigation

4:08 False promises: “You’ll make $200K in three years”

5:12 The cold-calling boot camp and why only one trainee survived (Don)

6:46 Inside the student recruitment pipeline and the friends-and-family harvesting

8:11 Whole life math: the S&P at +3700% vs. Northwestern at +44%

10:50 Why whole life persists: commissions

12:41 Wrap-up of the Guardian findings and the industry’s structural sleight-of-hand

16:23 CALL: Cambridge Wealth “index” portfolio with hidden fees

23:14 The reveal: Cambridge’s small-account wrap fees approach 3% per year

25:54 CALL: Son-in-law selling insurance, knows it’s a ripoff, loves the money

28:55 Thanksgiving family drama and the “sociopath vs. psychopath” riff

29:59 CALL: How much term life insurance should a high-income parent carry?

32:52 CALL (same): Splitting Roth vs. pre-tax contributions when income is high

34:28 CALL: How to find a true fiduciary (and avoid annuity traps)

37:59 The advisor interview form and how to make salespeople disqualify themselves
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]]> Don McDonald b15f6f72-2eb4-11f1-b6ec-4fa22ed82ed7 Tue, 02 Dec 2025 12:47:00 -0500 2375 false Black Friday Q&A Black Friday Q&A
0:09 Don debates doing a Black Friday episode but decides to keep listeners company

1:58 How to submit questions on the website and call on Saturdays

2:16 Q1: Is Vanguard’s Digital Advisor worth using?

2:56 Pros and cons: low cost, limited choices, avoid the active-fund version

4:29 Transition to Q2

4:55 Q2: Should a spouse take Social Security at 62 or delay and live off an IRA?

5:50 Pension changes the math—delay for the 8%/yr benefit

7:13 Target-date vs. VT/BND performance and Roth allocation logic

8:32 Risk tolerance matters more than account type

9:09 Actual performance: 2035 fund vs. VT/BND nearly identical

9:42 Q3: Adding managed-futures ETFs as a diversifier

10:23 Why Don strongly opposes adding complexity and high-expense hedges

11:36 Expense ratios make them non-starters

11:56 Q4: Should investors add international bonds?

12:46 Tiny diversification benefit; generally not worth it for DIY investors

14:38 Correlation improvement maxes out around one-tenth of one percent
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]]>
0:09 Don debates doing a Black Friday episode but decides to keep listeners company

1:58 How to submit questions on the website and call on Saturdays

2:16 Q1: Is Vanguard’s Digital Advisor worth using?

2:56 Pros and cons: low cost, limited choices, avoid the active-fund version

4:29 Transition to Q2

4:55 Q2: Should a spouse take Social Security at 62 or delay and live off an IRA?

5:50 Pension changes the math—delay for the 8%/yr benefit

7:13 Target-date vs. VT/BND performance and Roth allocation logic

8:32 Risk tolerance matters more than account type

9:09 Actual performance: 2035 fund vs. VT/BND nearly identical

9:42 Q3: Adding managed-futures ETFs as a diversifier

10:23 Why Don strongly opposes adding complexity and high-expense hedges

11:36 Expense ratios make them non-starters

11:56 Q4: Should investors add international bonds?

12:46 Tiny diversification benefit; generally not worth it for DIY investors

14:38 Correlation improvement maxes out around one-tenth of one percent
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]]> Don McDonald 3a1e3b82-2eb4-11f1-b6ec-5356874626c4 Fri, 28 Nov 2025 17:44:00 -0500 1137 false The Right Time to Retire The Right Time to Retire
1:06 WSJ list of “subtle signs it’s time to retire” begins

1:40 Sign #1: Feeling numb arriving at work

2:11 Why neither host relates to workplace numbness

2:59 Sign #2: Shrinking from new tech tools (Tom jokes incoming)

3:40 Don embraces AI, Tom… less so

4:21 Sign #3: Avoiding promotions; why neither wants a bigger job

5:16 Sign #4: The “Sunday scaries”

5:50 Sign #5: Constantly checking your 401(k) balance

6:26 Mid-list recap before the break

7:42 Second half of the list introduced

8:57 Sign #6: Wanting to volunteer more

9:40 Sign #7: Realizing all your peers have retired

10:11 Don jokes about dying at his desk

11:34 Sign #8: Feeling left out as friends enjoy retirement trips

12:40 Sign #9: Hating your boss (and why that’s not a retirement issue)

12:56 Sign #10: Achy knees and “retire before you can’t enjoy things”

13:35 Doctors, guarantees, and aging joints

14:43 Call for listener questions

15:04 Call: Schwab Intelligent Portfolios’ big cash allocations

16:28 How Schwab makes money on the spread

18:20 Transparency vs. hidden fees

20:20 Back from break — Wednesday podcast explanation

21:31 Don hates change (the coin kind and the life kind)

22:30 Historical buying power of coins

22:56 Pre-1964 silver quarter value

24:15 Odds of finding one in circulation

25:10 What amount of money makes you bend over and pick it up?

25:47 Cleaning out the garage vs. hunting silver coins

27:36 Halftime soccer update: the comeback begins

29:02 Caller: misunderstanding “8% interest” from Social Security discussion

30:26 Caller Paul on cash vs. cashless society

31:51 Coca-Cola prices through time

32:57 Only 12–18% of payments today are cash

34:02 Holiday well-wishes and generational shifts

35:34 Bewitched, credit checks, and pre-internet detective work
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]]>
1:06 WSJ list of “subtle signs it’s time to retire” begins

1:40 Sign #1: Feeling numb arriving at work

2:11 Why neither host relates to workplace numbness

2:59 Sign #2: Shrinking from new tech tools (Tom jokes incoming)

3:40 Don embraces AI, Tom… less so

4:21 Sign #3: Avoiding promotions; why neither wants a bigger job

5:16 Sign #4: The “Sunday scaries”

5:50 Sign #5: Constantly checking your 401(k) balance

6:26 Mid-list recap before the break

7:42 Second half of the list introduced

8:57 Sign #6: Wanting to volunteer more

9:40 Sign #7: Realizing all your peers have retired

10:11 Don jokes about dying at his desk

11:34 Sign #8: Feeling left out as friends enjoy retirement trips

12:40 Sign #9: Hating your boss (and why that’s not a retirement issue)

12:56 Sign #10: Achy knees and “retire before you can’t enjoy things”

13:35 Doctors, guarantees, and aging joints

14:43 Call for listener questions

15:04 Call: Schwab Intelligent Portfolios’ big cash allocations

16:28 How Schwab makes money on the spread

18:20 Transparency vs. hidden fees

20:20 Back from break — Wednesday podcast explanation

21:31 Don hates change (the coin kind and the life kind)

22:30 Historical buying power of coins

22:56 Pre-1964 silver quarter value

24:15 Odds of finding one in circulation

25:10 What amount of money makes you bend over and pick it up?

25:47 Cleaning out the garage vs. hunting silver coins

27:36 Halftime soccer update: the comeback begins

29:02 Caller: misunderstanding “8% interest” from Social Security discussion

30:26 Caller Paul on cash vs. cashless society

31:51 Coca-Cola prices through time

32:57 Only 12–18% of payments today are cash

34:02 Holiday well-wishes and generational shifts

35:34 Bewitched, credit checks, and pre-internet detective work
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]]> Don McDonald 2b0afb9e-2eb4-11f1-b6ec-5b24c988bc87 Wed, 26 Nov 2025 10:41:00 -0500 2473 false Value of Wisdom Value of Wisdom
0:04 Message to younger investors about lacking market perspective

1:19 Why TikTok advice on claiming Social Security early is flawed

2:17 The real 8%+inflation annual increase from delaying benefits

2:27 The “take it at 62 and invest it” myth

3:47 Tom recounts Paul Merriman calling his allocation aggressive

4:49 Rising panic-driven Social Security filings

5:21 Don’s 69 vs. 70 claiming decision

6:11 Survivor benefit logic many forget

7:42 Imagining a sudden 30% crash—except it’s Bitcoin

8:29 Bitcoin’s drop from 124K to mid-80s, plus MicroStrategy leverage

9:58 Crypto culture, crypto research, and Don’s upcoming story

10:58 Crypto as a greed play, not protection

12:37 Emotions sabotage investing; the plan removes them

13:51 Why risk needs to match the plan, not ego

15:24 Crypto story teaser + Short Storyverses email plug

16:31 Listener question: NY Life Asset Flex LTC pitch

17:49 Why hybrid LTC/annuity products are weak and commission-heavy

19:47 “Bucket” confusion and the need for purpose

21:30 Caller Eugene: $250K “play money”

23:43 Reality check: could you watch $250K drop to $125K?

24:06 Why timing dips doesn’t work

25:20 Better uses for excess cash in your 70s

27:08 Tom: time for full planning review at age 77

28:38 Fund analysis: Morgan Stanley Growth A

29:25 Fund analysis: Invesco Equity & Income A

30:30 Why moving to low-cost Vanguard indexes is the logical move
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]]>
0:04 Message to younger investors about lacking market perspective

1:19 Why TikTok advice on claiming Social Security early is flawed

2:17 The real 8%+inflation annual increase from delaying benefits

2:27 The “take it at 62 and invest it” myth

3:47 Tom recounts Paul Merriman calling his allocation aggressive

4:49 Rising panic-driven Social Security filings

5:21 Don’s 69 vs. 70 claiming decision

6:11 Survivor benefit logic many forget

7:42 Imagining a sudden 30% crash—except it’s Bitcoin

8:29 Bitcoin’s drop from 124K to mid-80s, plus MicroStrategy leverage

9:58 Crypto culture, crypto research, and Don’s upcoming story

10:58 Crypto as a greed play, not protection

12:37 Emotions sabotage investing; the plan removes them

13:51 Why risk needs to match the plan, not ego

15:24 Crypto story teaser + Short Storyverses email plug

16:31 Listener question: NY Life Asset Flex LTC pitch

17:49 Why hybrid LTC/annuity products are weak and commission-heavy

19:47 “Bucket” confusion and the need for purpose

21:30 Caller Eugene: $250K “play money”

23:43 Reality check: could you watch $250K drop to $125K?

24:06 Why timing dips doesn’t work

25:20 Better uses for excess cash in your 70s

27:08 Tom: time for full planning review at age 77

28:38 Fund analysis: Morgan Stanley Growth A

29:25 Fund analysis: Invesco Equity & Income A

30:30 Why moving to low-cost Vanguard indexes is the logical move
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]]> Don McDonald b1f3ff34-2eb4-11f1-b6ec-b38cdbd32783 Tue, 25 Nov 2025 11:38:00 -0500 1990 false Nefarious Non-Profit? Nefarious Non-Profit?
0:04 Don’s industry rant and a look at the “American Financial Education Alliance” disguise.

1:01 How pseudo-nonprofits target advisors and consumers with “no-sales” sales pitches.

2:20 Tom’s take on the recycled seminar game and fake educator designations.

3:40 Listener tip sparks Don’s PI dive into the flyer, claims, and contradictions.

4:49 How to vet advisors using BrokerCheck and Form ADV.

5:58 The firm’s tiny AUM and impossible economics of their claimed operations.

8:02 The Maryland house vs. the Lakewood Ranch mansion — where the money REALLY comes from.

9:25 The inevitable reveal: indexed annuity commissions driving the whole machine.

10:18 Breaking down the seminar pitch language and the deceptive “market returns without risk” promise.

11:24 Why the sales story collapses under math and dividends.

12:34 The “licensed fiduciary” myth and regulatory reality for small firms.

14:38 How consumers get fooled by the fiduciary framing in seminar mailers.

16:13 Don and Tom dissect the pre-fab radio/TV show factories behind these advisors.

17:19 Why the meeting is the real sales trap — and how to avoid it.

18:48 Don’s plea: stop believing financial fairy tales.

19:26 Don jokes about infiltrating steak-dinner seminars undercover.

20:14 Transition to listener Q&A from Maryland: AVDV’s gold exposure.

21:26 Why Avantis owns gold miners without being “in gold.”

23:47 Momentum, value screens, and why the gold weight makes sense.

24:26 Gold Hill, Oregon 529 question: Is the Schwab plan good?

25:30 Age-based 529s and Schwab’s low-cost structure.

27:28 Private equity fears: will it starve small-cap value indexes?

28:41 Why the concern is mostly a media creation, not an investment reality.

29:48 Don on the IPO–private–IPO cycle and how markets actually work.

30:11 Why private equity performs worse in bad markets.
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]]>
0:04 Don’s industry rant and a look at the “American Financial Education Alliance” disguise.

1:01 How pseudo-nonprofits target advisors and consumers with “no-sales” sales pitches.

2:20 Tom’s take on the recycled seminar game and fake educator designations.

3:40 Listener tip sparks Don’s PI dive into the flyer, claims, and contradictions.

4:49 How to vet advisors using BrokerCheck and Form ADV.

5:58 The firm’s tiny AUM and impossible economics of their claimed operations.

8:02 The Maryland house vs. the Lakewood Ranch mansion — where the money REALLY comes from.

9:25 The inevitable reveal: indexed annuity commissions driving the whole machine.

10:18 Breaking down the seminar pitch language and the deceptive “market returns without risk” promise.

11:24 Why the sales story collapses under math and dividends.

12:34 The “licensed fiduciary” myth and regulatory reality for small firms.

14:38 How consumers get fooled by the fiduciary framing in seminar mailers.

16:13 Don and Tom dissect the pre-fab radio/TV show factories behind these advisors.

17:19 Why the meeting is the real sales trap — and how to avoid it.

18:48 Don’s plea: stop believing financial fairy tales.

19:26 Don jokes about infiltrating steak-dinner seminars undercover.

20:14 Transition to listener Q&A from Maryland: AVDV’s gold exposure.

21:26 Why Avantis owns gold miners without being “in gold.”

23:47 Momentum, value screens, and why the gold weight makes sense.

24:26 Gold Hill, Oregon 529 question: Is the Schwab plan good?

25:30 Age-based 529s and Schwab’s low-cost structure.

27:28 Private equity fears: will it starve small-cap value indexes?

28:41 Why the concern is mostly a media creation, not an investment reality.

29:48 Don on the IPO–private–IPO cycle and how markets actually work.

30:11 Why private equity performs worse in bad markets.
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]]> Don McDonald 9c82147e-2eb4-11f1-b6ec-f3c8c29a6e53 Mon, 24 Nov 2025 15:03:00 -0500 2040 false Speak Your Qs Speak Your Qs
0:04 Opening, Friday Q&A setup, thanks to Tom’s grandkids

0:44 Listener FSA dilemma and choosing between FSA funding or 401k

3:01 Why FSAs are painful and why a 401k wins when choosing one or the other

5:57 Comparing BND and BKAG bond funds, holdings, universe, credit quality

9:01 Listener joke: “scariest Halloween costume is an annuity salesperson”

9:55 Moving CD-ladder money to VGIT or BIV; differences and trade-offs

12:22 Thoughts on iShares LifePath target-date ETF (ITDC)

12:33 Why Avantis fund-of-funds exist and whether you pay double fees

15:36 Underlying fund costs inside AVGE and how the total expense ratio works

16:21 Question about NYC’s new socialist mayor and financial impact fears

17:54 Walking through political fears vs. practical economic reality

21:55 Why one politician can’t radically reshape a city’s economic fate
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]]>
0:04 Opening, Friday Q&A setup, thanks to Tom’s grandkids

0:44 Listener FSA dilemma and choosing between FSA funding or 401k

3:01 Why FSAs are painful and why a 401k wins when choosing one or the other

5:57 Comparing BND and BKAG bond funds, holdings, universe, credit quality

9:01 Listener joke: “scariest Halloween costume is an annuity salesperson”

9:55 Moving CD-ladder money to VGIT or BIV; differences and trade-offs

12:22 Thoughts on iShares LifePath target-date ETF (ITDC)

12:33 Why Avantis fund-of-funds exist and whether you pay double fees

15:36 Underlying fund costs inside AVGE and how the total expense ratio works

16:21 Question about NYC’s new socialist mayor and financial impact fears

17:54 Walking through political fears vs. practical economic reality

21:55 Why one politician can’t radically reshape a city’s economic fate
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]]> Don McDonald 84f39d3c-2eb4-11f1-b6ec-832eceb00050 Fri, 21 Nov 2025 14:50:00 -0500 1500 false Good Enough Good Enough
0:04 Don’s two-star review existential crisis and the epiphany about doing things for joy

1:16 Why being “average” in investing (and life) is perfectly fine

1:45 Elon Musk compensation debate and ETF shareholders not getting a vote

3:12 Don’s “brilliant raving lunatic” take on Elon and Tesla’s dominance

4:38 The kings of tangentiality finally introduce the show

5:55 Christine Benz and the “Good Enough Portfolio” philosophy

6:36 Maximizers vs. satisfizers explained (plus Bogle bobbleheads)

8:53 Why over-optimization rarely improves results

9:56 Happiness and second-guessing: satisfizers win

11:22 Time costs, tax worries, and the illusion of finding a perfect portfolio

12:33 Two-fund vs. ten-fund portfolios and why simplicity works

13:55 Working harder doesn’t usually make you richer—your job does

14:25 Listener letter: long-time fan from Silverdale reminisces about 1988

15:26 Tom recalls being put on the air after several glasses of wine

16:03 Acorns user asks about BITO’s wild “dividends”

18:10 Why BITO’s payouts are actually return of capital and cannibalization

19:58 BITO’s volatility roller-coaster (standard deviation 53)

20:12 SGOV vs. CD ladders for short-term retirement cash

22:07 Why emergency funds shouldn’t sit in a Roth IRA

22:58 Listener concerned about private equity creeping into 401(k)s

23:52 PE risks, political pressure, and greater-fool concerns

25:27 Don thanks listener “AlwaysLearning1953” for the positive review

26:49 Murder of Crows, sound effects, and the power of scary crows

27:36 New Tales Told update—more stories on the way

28:38 Saturday live show reminder and flyover banter

28:58 Don’s Kansas/Leavenworth childhood story detour
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]]>
0:04 Don’s two-star review existential crisis and the epiphany about doing things for joy

1:16 Why being “average” in investing (and life) is perfectly fine

1:45 Elon Musk compensation debate and ETF shareholders not getting a vote

3:12 Don’s “brilliant raving lunatic” take on Elon and Tesla’s dominance

4:38 The kings of tangentiality finally introduce the show

5:55 Christine Benz and the “Good Enough Portfolio” philosophy

6:36 Maximizers vs. satisfizers explained (plus Bogle bobbleheads)

8:53 Why over-optimization rarely improves results

9:56 Happiness and second-guessing: satisfizers win

11:22 Time costs, tax worries, and the illusion of finding a perfect portfolio

12:33 Two-fund vs. ten-fund portfolios and why simplicity works

13:55 Working harder doesn’t usually make you richer—your job does

14:25 Listener letter: long-time fan from Silverdale reminisces about 1988

15:26 Tom recalls being put on the air after several glasses of wine

16:03 Acorns user asks about BITO’s wild “dividends”

18:10 Why BITO’s payouts are actually return of capital and cannibalization

19:58 BITO’s volatility roller-coaster (standard deviation 53)

20:12 SGOV vs. CD ladders for short-term retirement cash

22:07 Why emergency funds shouldn’t sit in a Roth IRA

22:58 Listener concerned about private equity creeping into 401(k)s

23:52 PE risks, political pressure, and greater-fool concerns

25:27 Don thanks listener “AlwaysLearning1953” for the positive review

26:49 Murder of Crows, sound effects, and the power of scary crows

27:36 New Tales Told update—more stories on the way

28:38 Saturday live show reminder and flyover banter

28:58 Don’s Kansas/Leavenworth childhood story detour
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]]> Don McDonald 952c20fc-2eb4-11f1-b6ec-03302786ad77 Thu, 20 Nov 2025 14:15:00 -0500 1863 false Simple Solutions Simple Solutions
0:04 Intro and Christine Benz’s list of common portfolio mistakes

0:56 Portfolio sprawl and “hodgepodge-itis”

1:32 Overloaded baskets of large-cap tech stocks

2:52 The 31-year-old underperforming fund problem

3:54 Active vs. passive: the shift the industry still hasn’t admitted

4:03 Asset allocation errors driven by ignoring the plan

4:51 Why rebalancing matters (and why people never do it)

5:40 Asset location mistakes and why taxes demand a smarter structure

6:15 Why these errors are easy to fix with a simple plan

7:58 Don solo; open phones

8:23 Caller: Fear of an “AI crash” and whether it can tank the market

11:16 Building a portfolio that can withstand any crash

13:01 International ballast and why planning matters more than predictions

14:27 Don solo again; open phones

15:17 Smishing scams and the rise of SMS-based fraud

16:13 How cheap scam-software makes fraud explode

17:08 Caller: 80-year-old widow with an awful Schwab portfolio

18:27 Don investigates the tickers—high fees, obscure funds, bad structure

19:57 Schwab dropped her; Don: “This advisor should be fired”

21:07 Why the portfolio lost money and what those numbers really mean

22:26 Active funds, high turnover, and tax drag

24:01 Don’s verdict: unload the mess and move to simple, low-cost indexing

25:01 Why a target-date fund may be the cleanest fix

26:33 Take the risk quiz; why advisors should be boring

27:00 Don vents about industry incompetence and fee-only failures

28:23 Why advisors chase “exciting” instead of sound

30:02 Caller: Roth conversion when 70% of assets are in traditional IRAs

31:25 Why conversion benefits are minor but sometimes worthwhile

32:33 Strategy: convert up to top of the 24% bracket

33:19 Wrap-up and call for last questions

34:56 Gold vs. Bitcoin: which is actually stable?

36:09 Why Bitcoin’s volatility makes it a terrible “currency”
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]]>
0:04 Intro and Christine Benz’s list of common portfolio mistakes

0:56 Portfolio sprawl and “hodgepodge-itis”

1:32 Overloaded baskets of large-cap tech stocks

2:52 The 31-year-old underperforming fund problem

3:54 Active vs. passive: the shift the industry still hasn’t admitted

4:03 Asset allocation errors driven by ignoring the plan

4:51 Why rebalancing matters (and why people never do it)

5:40 Asset location mistakes and why taxes demand a smarter structure

6:15 Why these errors are easy to fix with a simple plan

7:58 Don solo; open phones

8:23 Caller: Fear of an “AI crash” and whether it can tank the market

11:16 Building a portfolio that can withstand any crash

13:01 International ballast and why planning matters more than predictions

14:27 Don solo again; open phones

15:17 Smishing scams and the rise of SMS-based fraud

16:13 How cheap scam-software makes fraud explode

17:08 Caller: 80-year-old widow with an awful Schwab portfolio

18:27 Don investigates the tickers—high fees, obscure funds, bad structure

19:57 Schwab dropped her; Don: “This advisor should be fired”

21:07 Why the portfolio lost money and what those numbers really mean

22:26 Active funds, high turnover, and tax drag

24:01 Don’s verdict: unload the mess and move to simple, low-cost indexing

25:01 Why a target-date fund may be the cleanest fix

26:33 Take the risk quiz; why advisors should be boring

27:00 Don vents about industry incompetence and fee-only failures

28:23 Why advisors chase “exciting” instead of sound

30:02 Caller: Roth conversion when 70% of assets are in traditional IRAs

31:25 Why conversion benefits are minor but sometimes worthwhile

32:33 Strategy: convert up to top of the 24% bracket

33:19 Wrap-up and call for last questions

34:56 Gold vs. Bitcoin: which is actually stable?

36:09 Why Bitcoin’s volatility makes it a terrible “currency”
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]]> Don McDonald c8128074-2eb4-11f1-b6ec-77dbd28dee2d Wed, 19 Nov 2025 14:11:00 -0500 2425 false No Absolutes No Absolutes
0:04 Absolutism vs. nuance in personal finance

1:24 Dave Ramsey’s black-and-white rules

1:57 The latte rule and small vs. big expenses

3:36 Pay-yourself-first as the only rule that really works

4:57 Are credit cards bad? Protection, perks, and pitfalls

6:26 Truth lives between extremes

7:45 “Breakable” money rules from Real Simple

8:39 The myth of retiring at 65

9:59 Why more people work past traditional retirement age

11:00 Don’s TV story and accidental age-compliment

12:59 Is bulk shopping really a money saver?

13:55 Why strict budgets fail

15:04 Tom’s failing FaceTime and tech-phobia

16:02 Caller: leaving money to grandkids who vanished

19:43 Family lawsuits when inheritances differ

20:23 Caller: asset location and bond placement

24:55 Should you draw from 401(k) or IRA first?

28:43 Caller: “Am I out of time to retire?”

33:00 Solving retirement shortfall with portfolio structure

36:16 Don runs the numbers — immediate annuity option
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]]>
0:04 Absolutism vs. nuance in personal finance

1:24 Dave Ramsey’s black-and-white rules

1:57 The latte rule and small vs. big expenses

3:36 Pay-yourself-first as the only rule that really works

4:57 Are credit cards bad? Protection, perks, and pitfalls

6:26 Truth lives between extremes

7:45 “Breakable” money rules from Real Simple

8:39 The myth of retiring at 65

9:59 Why more people work past traditional retirement age

11:00 Don’s TV story and accidental age-compliment

12:59 Is bulk shopping really a money saver?

13:55 Why strict budgets fail

15:04 Tom’s failing FaceTime and tech-phobia

16:02 Caller: leaving money to grandkids who vanished

19:43 Family lawsuits when inheritances differ

20:23 Caller: asset location and bond placement

24:55 Should you draw from 401(k) or IRA first?

28:43 Caller: “Am I out of time to retire?”

33:00 Solving retirement shortfall with portfolio structure

36:16 Don runs the numbers — immediate annuity option
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]]> Don McDonald d0965626-2eb4-11f1-b6ec-972662f10030 Tue, 18 Nov 2025 13:10:00 -0500 2497 false Retirement Robbers Retirement Robbers
:04 When employers steal 401(k) contributions before depositing them

1:42 The WSJ case: three-year hunt for missing contributions

3:02 Why small employers are the highest-risk group

5:02 DOL enforcement loopholes and the “administratively feasible” dodge

7:04 What to do if your contributions never show up

8:09 Fidelity bonds, audits, and how recovery really works

9:39 Big-company plans vs. small plans

10:36 Inside the Amazon layoff notice fiasco

11:54 Listener question: timing a backdoor Roth in 2026 for the 2025 tax year

13:40 The Form 8606 trap and pro-rata consequences

15:03 Listener question: Should you assume Social Security cuts in your plan?

16:41 Why benefits probably won’t be cut—even though the system needs fixing

18:04 Listener question: Should anyone buy a mid-cap ETF?

18:46 Why good portfolios already own plenty of mid-caps

19:36 Listener question: Fixing 20 years of hodgepodge-itis at age 72

21:22 Taxes, capital gains, and the slow cleanup strategy

23:52 Why Wellington and Wellesley don’t fit a modern portfolio

25:20 Personal banter: vacations, spending guilt, and sci-fi
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]]>
:04 When employers steal 401(k) contributions before depositing them

1:42 The WSJ case: three-year hunt for missing contributions

3:02 Why small employers are the highest-risk group

5:02 DOL enforcement loopholes and the “administratively feasible” dodge

7:04 What to do if your contributions never show up

8:09 Fidelity bonds, audits, and how recovery really works

9:39 Big-company plans vs. small plans

10:36 Inside the Amazon layoff notice fiasco

11:54 Listener question: timing a backdoor Roth in 2026 for the 2025 tax year

13:40 The Form 8606 trap and pro-rata consequences

15:03 Listener question: Should you assume Social Security cuts in your plan?

16:41 Why benefits probably won’t be cut—even though the system needs fixing

18:04 Listener question: Should anyone buy a mid-cap ETF?

18:46 Why good portfolios already own plenty of mid-caps

19:36 Listener question: Fixing 20 years of hodgepodge-itis at age 72

21:22 Taxes, capital gains, and the slow cleanup strategy

23:52 Why Wellington and Wellesley don’t fit a modern portfolio

25:20 Personal banter: vacations, spending guilt, and sci-fi
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]]> Don McDonald 28d17db2-2eb4-11f1-b6ec-e783ecc30778 Mon, 17 Nov 2025 12:55:00 -0500 1755 false More Money Q&A More Money Q&A
0:04 Don opens Q&A Friday and reflects on radio’s slow fade

2:20 SGOV vs. high-yield savings accounts for emergency cash

5:13 Why AVUV and DFSV only overlap ~40% despite similar factors

8:43 Which fund is “wilder”: AVUV vs. DFA small value

9:54 Why international stocks belong in a portfolio—but not overweighted

11:41 Long-term U.S. vs. international return history

14:51 S&P 500 concentration and equal-weight ETF considerations

18:44 Equal-weight vs. small-value tilt vs. rules-based funds

20:07 Where to put 2–3 year money: savings, CDs, BND, or a near-dated target-date fund?

23:13 Better language than “active”: rules-based vs. systematic
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]]>
0:04 Don opens Q&A Friday and reflects on radio’s slow fade

2:20 SGOV vs. high-yield savings accounts for emergency cash

5:13 Why AVUV and DFSV only overlap ~40% despite similar factors

8:43 Which fund is “wilder”: AVUV vs. DFA small value

9:54 Why international stocks belong in a portfolio—but not overweighted

11:41 Long-term U.S. vs. international return history

14:51 S&P 500 concentration and equal-weight ETF considerations

18:44 Equal-weight vs. small-value tilt vs. rules-based funds

20:07 Where to put 2–3 year money: savings, CDs, BND, or a near-dated target-date fund?

23:13 Better language than “active”: rules-based vs. systematic
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]]> Don McDonald d2a934ce-2eb4-11f1-b6ec-3f195d0c2610 Fri, 14 Nov 2025 11:20:00 -0500 1684 false Annuity Reality Annuity Reality
0:04 Don’s rant: “What the world needs now is… more annuities?”

1:20 WSJ’s argument: make annuities the 401(k) default

2:05 Why income complexity doesn’t justify default annuities

3:01 Do annuities actually solve longevity risk?

3:29 Inflation, joint-life costs, and who really wins

4:20 Insurance industry reputation and the unanswered criticisms

5:15 High fees, opacity, and why mistrust is earned

5:59 Are annuity sales tactics the real barrier?

7:02 Should annuities be in 401(k)s at all? Don vs. Tom

7:36 Why annuities are mostly sold, not bought

9:10 Liquidity traps and major-life-event risks

10:01 Why “plans” matter more than “products”

10:57 Listener questions: why nobody calls anymore

11:14 Q1: Selling a brokerage full of individual stocks at Schwab

12:46 Q1b: How to convince a spouse who loves stock picking

14:21 Indexing vs. anecdotal evidence

16:21 SPIVA data and why active managers lose

17:02 Q2: Can Vanguard automate ETF withdrawals?

19:05 Fractional shares and why purchases are allowed

20:25 Q3: Aspire 403(b) options and DFA overload

23:46 How many DFA funds do you really need?

24:44 Micro-cap risks and portfolio sprawl

25:42 Tom’s pumpkin-patch grandkid cameo
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]]>
0:04 Don’s rant: “What the world needs now is… more annuities?”

1:20 WSJ’s argument: make annuities the 401(k) default

2:05 Why income complexity doesn’t justify default annuities

3:01 Do annuities actually solve longevity risk?

3:29 Inflation, joint-life costs, and who really wins

4:20 Insurance industry reputation and the unanswered criticisms

5:15 High fees, opacity, and why mistrust is earned

5:59 Are annuity sales tactics the real barrier?

7:02 Should annuities be in 401(k)s at all? Don vs. Tom

7:36 Why annuities are mostly sold, not bought

9:10 Liquidity traps and major-life-event risks

10:01 Why “plans” matter more than “products”

10:57 Listener questions: why nobody calls anymore

11:14 Q1: Selling a brokerage full of individual stocks at Schwab

12:46 Q1b: How to convince a spouse who loves stock picking

14:21 Indexing vs. anecdotal evidence

16:21 SPIVA data and why active managers lose

17:02 Q2: Can Vanguard automate ETF withdrawals?

19:05 Fractional shares and why purchases are allowed

20:25 Q3: Aspire 403(b) options and DFA overload

23:46 How many DFA funds do you really need?

24:44 Micro-cap risks and portfolio sprawl

25:42 Tom’s pumpkin-patch grandkid cameo
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]]> Don McDonald cf6a40be-2eb4-11f1-b6ec-83b89a32d5d6 Thu, 13 Nov 2025 12:39:00 -0500 1733 false Z Good and Z Bad Z Good and Z Bad
0:04 Gen Z investing habits and media influence

1:59 Grading five young investors from a WSJ profile

7:43 Financial-flinch reflex and planning plug

12:21 Listener: starting a 401(k) at 59

15:34 Listener: using taxable funds for a Roth contribution

20:24 Listener: Roth 401(k) catch-ups and 529 trade-offs

26:08 College costs and saving priorities

28:43 Listener: opening a 529 for a grandchild

36:12 Listener: portfolio check (AVUV + bond ladder) and AVGE recommendation
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]]>
0:04 Gen Z investing habits and media influence

1:59 Grading five young investors from a WSJ profile

7:43 Financial-flinch reflex and planning plug

12:21 Listener: starting a 401(k) at 59

15:34 Listener: using taxable funds for a Roth contribution

20:24 Listener: Roth 401(k) catch-ups and 529 trade-offs

26:08 College costs and saving priorities

28:43 Listener: opening a 529 for a grandchild

36:12 Listener: portfolio check (AVUV + bond ladder) and AVGE recommendation
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]]> Don McDonald 9c4fa89a-2eb4-11f1-b6ec-63ec1fbc799a Wed, 12 Nov 2025 13:18:00 -0500 2465 false Investing Is Dull Investing Is Dull
0:05 Magical thinking and the fantasy of “special” investments

1:52 Private equity realities: higher fees, no liquidity, often lower returns

2:46 The Indian Shores pension fund case

3:44 Withdrawal limits and 0.7% 5-year returns

4:34 Why endowments can do illiquid assets but you probably shouldn’t

5:21 “Roach motel” investing and lack of transparency

8:35 How mutual funds must provide daily liquidity vs. private funds that don’t

8:49 Excitement is bad; investing should be boring

9:54 Caller: $9M portfolio—withdraw taxable first or convert IRAs?

11:51 Traditional IRAs vs taxable sequencing strategy

14:17 Why taxable first lowers tax impact and preserves flexibility

16:03 Blackstone senior housing REIT losses and why “sure things” fail

17:39 Diversification protects you when single bets go bad

18:06 Why private deals appeal emotionally (exclusivity + status)

20:38 Caller: Tesla & concerns about private equity creeping into ETFs

23:07 Why mainstream ETFs won’t adopt illiquid private assets

24:43 REIT ETFs behave more like stabilizing bond substitutes

26:02 LeaveMeAlone email-unsubscribe tool discovery

28:04 Listener questions: send via site or voice form

30:51 Cash balance plan concerns—likely a stable value/insurance product

33:08 Another listener: Edward Jones 401(k) with American Funds C-shares

34:30 High-fee small-plan 401(k)s—why they happen and how to fix

36:27 Caller: Should we switch to Roth 401(k) contributions? Probably not here.
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]]>
0:05 Magical thinking and the fantasy of “special” investments

1:52 Private equity realities: higher fees, no liquidity, often lower returns

2:46 The Indian Shores pension fund case

3:44 Withdrawal limits and 0.7% 5-year returns

4:34 Why endowments can do illiquid assets but you probably shouldn’t

5:21 “Roach motel” investing and lack of transparency

8:35 How mutual funds must provide daily liquidity vs. private funds that don’t

8:49 Excitement is bad; investing should be boring

9:54 Caller: $9M portfolio—withdraw taxable first or convert IRAs?

11:51 Traditional IRAs vs taxable sequencing strategy

14:17 Why taxable first lowers tax impact and preserves flexibility

16:03 Blackstone senior housing REIT losses and why “sure things” fail

17:39 Diversification protects you when single bets go bad

18:06 Why private deals appeal emotionally (exclusivity + status)

20:38 Caller: Tesla & concerns about private equity creeping into ETFs

23:07 Why mainstream ETFs won’t adopt illiquid private assets

24:43 REIT ETFs behave more like stabilizing bond substitutes

26:02 LeaveMeAlone email-unsubscribe tool discovery

28:04 Listener questions: send via site or voice form

30:51 Cash balance plan concerns—likely a stable value/insurance product

33:08 Another listener: Edward Jones 401(k) with American Funds C-shares

34:30 High-fee small-plan 401(k)s—why they happen and how to fix

36:27 Caller: Should we switch to Roth 401(k) contributions? Probably not here.
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]]> Don McDonald cea9fd9a-2eb4-11f1-b6ec-d30be3372d92 Tue, 11 Nov 2025 12:30:00 -0500 2470 false Bring the Card Bring the Card
0:10 Tom introduces Herb Weisbaum and today’s consumer-focused discussion

1:14 Tom’s Heathrow airline mess and why travelers feel powerless

2:08 Herb’s far worse Delta experience: denied boarding without original credit card

3:44 Calling a neighbor at 3am to photograph the card and save the trip

5:13 Delta’s justification: “We’re protecting you from fraud”

6:20 Why airlines can mistreat travelers and get away with it

7:04 U.S. vs. EU passenger rights and compensation differences

8:32 Text scams: fake unpaid toll notices are surging

9:46 The new wave of “pre-approved loan” robocall scams

10:48 AI makes scam messages grammatically perfect and harder to detect

11:04 Slow down, don’t engage, verify before responding

12:20 Let unknown calls go to voicemail to avoid social pressure

14:07 Holiday shopping preview: tariffs, supply constraints, scarcity in decor and toys

15:55 Black Friday all season long—price tracking and refund requests

16:27 Brief detour into kid gifts, backpacks, and questionable plush monsters

17:21 Checkbook.org and ConsumerMan resources for unbiased help

18:17 Herb’s love of model trains and signing off


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]]>
0:10 Tom introduces Herb Weisbaum and today’s consumer-focused discussion

1:14 Tom’s Heathrow airline mess and why travelers feel powerless

2:08 Herb’s far worse Delta experience: denied boarding without original credit card

3:44 Calling a neighbor at 3am to photograph the card and save the trip

5:13 Delta’s justification: “We’re protecting you from fraud”

6:20 Why airlines can mistreat travelers and get away with it

7:04 U.S. vs. EU passenger rights and compensation differences

8:32 Text scams: fake unpaid toll notices are surging

9:46 The new wave of “pre-approved loan” robocall scams

10:48 AI makes scam messages grammatically perfect and harder to detect

11:04 Slow down, don’t engage, verify before responding

12:20 Let unknown calls go to voicemail to avoid social pressure

14:07 Holiday shopping preview: tariffs, supply constraints, scarcity in decor and toys

15:55 Black Friday all season long—price tracking and refund requests

16:27 Brief detour into kid gifts, backpacks, and questionable plush monsters

17:21 Checkbook.org and ConsumerMan resources for unbiased help

18:17 Herb’s love of model trains and signing off


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]]> Don McDonald cbca5be2-2eb4-11f1-b6ec-13d8b4eba3eb Mon, 10 Nov 2025 14:55:00 -0500 1219 false Another Q Show Another Q Show
0:04 Friday Q&A intro and request for more listener questions

1:33 Bitcoin Bob returns: what “currency debasement” means

4:34 Bitcoin vs. the dollar: volatility and why stability matters

6:59 The real hedge: productive global assets over speculative tokens

8:29 Target-date funds vs. a three-fund portfolio in retirement

10:32 Asset allocation control vs. glide path defaults

11:20 Early retirement scenario: withdrawal sequencing, 72(t), and risk tolerance

14:55 When to add bonds and why emotional behavior matters

16:00 Don’s and Tom’s current equity/bond allocations

17:07 If the U.S. and China went to war: what happens to VT’s China exposure?

20:26 Why global diversification limits catastrophic loss
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]]>
0:04 Friday Q&A intro and request for more listener questions

1:33 Bitcoin Bob returns: what “currency debasement” means

4:34 Bitcoin vs. the dollar: volatility and why stability matters

6:59 The real hedge: productive global assets over speculative tokens

8:29 Target-date funds vs. a three-fund portfolio in retirement

10:32 Asset allocation control vs. glide path defaults

11:20 Early retirement scenario: withdrawal sequencing, 72(t), and risk tolerance

14:55 When to add bonds and why emotional behavior matters

16:00 Don’s and Tom’s current equity/bond allocations

17:07 If the U.S. and China went to war: what happens to VT’s China exposure?

20:26 Why global diversification limits catastrophic loss
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]]> Don McDonald d27f4cf4-2eb4-11f1-b6ec-4b0a1ae1d95c Fri, 07 Nov 2025 15:07:00 -0500 1420 false Leverage Dangers Leverage Dangers
0:04 Opening banter and the thrill-seeker pitch for leveraged ETFs

1:29 Leveraged single-stock ETFs explode from zero to $40B

3:26 MicroStrategy example: stock up ~30%, 2x ETF down ~65%

5:03 How volatility decay quietly destroys leveraged returns

7:36 5x ETFs and the “go to zero in one day” problem

9:01 When leverage stops being “investing” and starts being gambling

11:38 Listener question: Should retirees hold a bigger cash buffer to avoid selling in downturns?

14:37 Listener question: Should a $4M managed client negotiate fees? (Yes.)

17:43 IRTR vs AOM comparison for someone three years from retirement

22:54 Seasonal weather rant and hunkering down for productivity
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]]>
0:04 Opening banter and the thrill-seeker pitch for leveraged ETFs

1:29 Leveraged single-stock ETFs explode from zero to $40B

3:26 MicroStrategy example: stock up ~30%, 2x ETF down ~65%

5:03 How volatility decay quietly destroys leveraged returns

7:36 5x ETFs and the “go to zero in one day” problem

9:01 When leverage stops being “investing” and starts being gambling

11:38 Listener question: Should retirees hold a bigger cash buffer to avoid selling in downturns?

14:37 Listener question: Should a $4M managed client negotiate fees? (Yes.)

17:43 IRTR vs AOM comparison for someone three years from retirement

22:54 Seasonal weather rant and hunkering down for productivity
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]]> Don McDonald b6ab1418-2eb4-11f1-b6ec-af224f33b79a Thu, 06 Nov 2025 11:22:00 -0500 1658 false Most Investors Fail Most Investors Fail
0:04 Universal truths of investing and investor behavior

2:07 Why investors underperform their own funds (Morningstar “Mind the Gap”)

3:30 Market sentiment, cash levels, and memories of 2000 and 2008

4:31 Peter Lynch on market corrections and investor overconfidence

5:40 The danger of timing the market and trusting stocks too much

6:40 “Financial Flinch Reflex” parody PSA (Appella Wealth ad)

7:41 Listener: diversifying a Vanguard UGMA for grandson’s education

12:14 Listener: TSP rollover, age-based bond allocation, and risk tolerance

14:40 The right asset mix for long-term investors in their 40s

15:48 Listener: selling condo for assisted living — planning for late-life care

18:45 Spending vs. inheritance — why it’s okay to use your own money

20:27 Producer’s question: is SoFi robo-investing safe for beginners?

22:56 Emergency funds vs. long-term investing; debt priorities

26:03 Listener: spouse investing in individual stocks — handling differences

28:32 Listener: total market vs. S&P 500 core fund; AVGE and DFAW explained

30:17 Listener: 8% annuity “crediting rate” myth and why it’s misleading

35:42 Real internal rate of return on annuities and risk comfort

37:12 Listener: following advisor from Ameriprise to a bank — fiduciary warning

39:36 Why commissioned products persist and how fiduciary rules differ
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]]>
0:04 Universal truths of investing and investor behavior

2:07 Why investors underperform their own funds (Morningstar “Mind the Gap”)

3:30 Market sentiment, cash levels, and memories of 2000 and 2008

4:31 Peter Lynch on market corrections and investor overconfidence

5:40 The danger of timing the market and trusting stocks too much

6:40 “Financial Flinch Reflex” parody PSA (Appella Wealth ad)

7:41 Listener: diversifying a Vanguard UGMA for grandson’s education

12:14 Listener: TSP rollover, age-based bond allocation, and risk tolerance

14:40 The right asset mix for long-term investors in their 40s

15:48 Listener: selling condo for assisted living — planning for late-life care

18:45 Spending vs. inheritance — why it’s okay to use your own money

20:27 Producer’s question: is SoFi robo-investing safe for beginners?

22:56 Emergency funds vs. long-term investing; debt priorities

26:03 Listener: spouse investing in individual stocks — handling differences

28:32 Listener: total market vs. S&P 500 core fund; AVGE and DFAW explained

30:17 Listener: 8% annuity “crediting rate” myth and why it’s misleading

35:42 Real internal rate of return on annuities and risk comfort

37:12 Listener: following advisor from Ameriprise to a bank — fiduciary warning

39:36 Why commissioned products persist and how fiduciary rules differ
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]]> Don McDonald af0966ce-2eb4-11f1-b6ec-a36ba8a20cd6 Wed, 05 Nov 2025 13:22:00 -0500 2478 false Take More Risk? Take More Risk?
0:04 Why do you invest? Defining purpose versus chasing returns

1:29 The rise of “TINA investing” — there is no alternative to stocks?

2:30 Bonds as shock absorbers when markets collapse

3:57 Questioning global overweights in new stock research

5:01 The emotional toll of chasing maximum returns

6:12 Bonds’ true role: keeping investors calm and consistent

7:50 Zweig’s conclusion — even he still owns bonds

9:06 Retirement timing risk and the case for diversification

10:29 Caller Jay from Georgia — testing a five-year CD ladder withdrawal plan

12:34 Turning the CD ladder into part of a bond portfolio

13:46 What to do with the ladder during a market downturn

14:47 Caller Jason from Washington — Elon Musk, Bitcoin, and the “Strike/Strive” gimmick

15:49 The math behind high-yield crypto preferreds doesn’t add up

17:18 When hype meets hazard: Ponzi parallels in risky yields

18:57 Why “everyone’s doing it” isn’t a defense for bad strategy

20:04 Why MicroStrategy’s dividend promises defy logic

21:15 Listener question — securities lending in IRAs

23:09 How stock lending actually works (and why it barely pays)

24:18 Why most small investors shouldn’t bother

27:15 Vanguard’s new identity crisis: the push into active management

27:47 The profitability problem of index funds

28:53 Can Vanguard’s active funds really beat their benchmarks?

31:48 Why past performance still fails as a predictor

33:14 Vanguard’s crypto flirtation and industry pandering

35:43 Caller Craig from Seattle — expanding global exposure with AVNV

36:32 The case for adding Avantis International Value ETF

37:46 Early results and long-term expectations
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]]>
0:04 Why do you invest? Defining purpose versus chasing returns

1:29 The rise of “TINA investing” — there is no alternative to stocks?

2:30 Bonds as shock absorbers when markets collapse

3:57 Questioning global overweights in new stock research

5:01 The emotional toll of chasing maximum returns

6:12 Bonds’ true role: keeping investors calm and consistent

7:50 Zweig’s conclusion — even he still owns bonds

9:06 Retirement timing risk and the case for diversification

10:29 Caller Jay from Georgia — testing a five-year CD ladder withdrawal plan

12:34 Turning the CD ladder into part of a bond portfolio

13:46 What to do with the ladder during a market downturn

14:47 Caller Jason from Washington — Elon Musk, Bitcoin, and the “Strike/Strive” gimmick

15:49 The math behind high-yield crypto preferreds doesn’t add up

17:18 When hype meets hazard: Ponzi parallels in risky yields

18:57 Why “everyone’s doing it” isn’t a defense for bad strategy

20:04 Why MicroStrategy’s dividend promises defy logic

21:15 Listener question — securities lending in IRAs

23:09 How stock lending actually works (and why it barely pays)

24:18 Why most small investors shouldn’t bother

27:15 Vanguard’s new identity crisis: the push into active management

27:47 The profitability problem of index funds

28:53 Can Vanguard’s active funds really beat their benchmarks?

31:48 Why past performance still fails as a predictor

33:14 Vanguard’s crypto flirtation and industry pandering

35:43 Caller Craig from Seattle — expanding global exposure with AVNV

36:32 The case for adding Avantis International Value ETF

37:46 Early results and long-term expectations
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]]> Don McDonald 7d839e94-2eb4-11f1-b6ec-876d79d9ab0e Tue, 04 Nov 2025 14:48:00 -0500 2456 false Experts Need Experts Experts Need Experts
0:04 Reintroducing the need for financial help (but not that kind of help)

1:17 Christine Benz’s surprising admission: she has a financial planner

2:27 The value of a “responsible second opinion”

3:25 Why Benz says peace of mind has real value

3:50 Reasons to hire an advisor: second opinions, tax guidance, rebalancing, perspective

4:54 When hourly financial advice makes sense

6:38 Organization and accountability as hidden benefits

8:08 The disinterested spouse problem

8:40 Why succession planning matters more than you think

9:32 “Permission to spend” — an underrated role of advisors

10:19 Who doesn’t need an advisor: young savers and disciplined investors

11:27 When to get a second opinion even if you’re DIY

12:18 Spotting bad advice and hidden annuities

13:03 Who does need an advisor: hodgepodge portfolios and over-50 investors

14:09 Complexity and the need for help beyond 65

14:47 The problem of small investors being preyed upon by salespeople

15:52 Listener question: adding small-cap value exposure

16:47 Comparing AVUV, DFSV, and SLYV performance and structure

19:00 Expense ratios and diversification differences

20:18 Don and Tom’s ETF verdict

21:10 Retirement checkup: 77-year-old with pension and LTC coverage

22:06 Evaluating liquidity, income, and survivorship

23:48 The vanishing quality of long-term care policies

24:56 Tom’s empty-nest plans and aching knee

25:43 Raiders jokes and the black-painted stadium
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]]>
0:04 Reintroducing the need for financial help (but not that kind of help)

1:17 Christine Benz’s surprising admission: she has a financial planner

2:27 The value of a “responsible second opinion”

3:25 Why Benz says peace of mind has real value

3:50 Reasons to hire an advisor: second opinions, tax guidance, rebalancing, perspective

4:54 When hourly financial advice makes sense

6:38 Organization and accountability as hidden benefits

8:08 The disinterested spouse problem

8:40 Why succession planning matters more than you think

9:32 “Permission to spend” — an underrated role of advisors

10:19 Who doesn’t need an advisor: young savers and disciplined investors

11:27 When to get a second opinion even if you’re DIY

12:18 Spotting bad advice and hidden annuities

13:03 Who does need an advisor: hodgepodge portfolios and over-50 investors

14:09 Complexity and the need for help beyond 65

14:47 The problem of small investors being preyed upon by salespeople

15:52 Listener question: adding small-cap value exposure

16:47 Comparing AVUV, DFSV, and SLYV performance and structure

19:00 Expense ratios and diversification differences

20:18 Don and Tom’s ETF verdict

21:10 Retirement checkup: 77-year-old with pension and LTC coverage

22:06 Evaluating liquidity, income, and survivorship

23:48 The vanishing quality of long-term care policies

24:56 Tom’s empty-nest plans and aching knee

25:43 Raiders jokes and the black-painted stadium
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]]> Don McDonald 497a3900-2eb4-11f1-b6ec-db5709ab88a7 Mon, 03 Nov 2025 12:01:00 -0500 1734 false Halloween Qs Halloween Qs
0:04 Friday Q&A intro and listener invitation

1:25 Fidelity’s fully paid lending program explained—small returns, limited upside

3:47 When stock lending might make sense for rare or hard-to-borrow shares

4:33 Mortgage payoff debate—2.6% rate vs. 7% investing return

5:30 Don confirms: investing wins, emotion aside

7:09 Caller argues for Berkshire Hathaway B as the “perfect” one-stock portfolio

9:14 Don dismantles the myth—Buffett’s own warnings, risk concentration

11:23 401(k) vs. Roth 401(k)—how to decide and why a plan matters

14:04 Backdoor Roth options for self-employed spouses

15:32 Importance of long-term planning once portfolios near $1 million

15:56 HSA payroll advantage—no Social Security tax on contributions

17:11 Using a Roth to store “extra mortgage” money until retirement

18:08 Why paying off a low-rate mortgage later may not make sense

19:37 Free fiduciary portfolio checkup offer from Apella Wealth
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]]>
0:04 Friday Q&A intro and listener invitation

1:25 Fidelity’s fully paid lending program explained—small returns, limited upside

3:47 When stock lending might make sense for rare or hard-to-borrow shares

4:33 Mortgage payoff debate—2.6% rate vs. 7% investing return

5:30 Don confirms: investing wins, emotion aside

7:09 Caller argues for Berkshire Hathaway B as the “perfect” one-stock portfolio

9:14 Don dismantles the myth—Buffett’s own warnings, risk concentration

11:23 401(k) vs. Roth 401(k)—how to decide and why a plan matters

14:04 Backdoor Roth options for self-employed spouses

15:32 Importance of long-term planning once portfolios near $1 million

15:56 HSA payroll advantage—no Social Security tax on contributions

17:11 Using a Roth to store “extra mortgage” money until retirement

18:08 Why paying off a low-rate mortgage later may not make sense

19:37 Free fiduciary portfolio checkup offer from Apella Wealth
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]]> Don McDonald cfb5e910-2eb4-11f1-b6ec-4bf0894242bc Fri, 31 Oct 2025 11:56:00 -0400 1368 false Financial Deja Vu? Financial Deja Vu?
0:04 Opening disclaimers and acknowledgment that the episode isn’t meant to scare investors

1:18 Historical parallels—1929, 1987, 2008—and the feeling of “market déjà vu”

2:10 Introducing Andrew Ross Sorkin’s new book 1929 and his NYT column on modern speculation

3:20 Financialization and the loosening of investor protections in the 2020s

4:33 Wall Street’s constant invention of confusing products that favor sellers

4:58 Robinhood’s Vlad Tenev and the illusion of democratizing risk

6:12 Lowering the barriers to private markets and what that means for investors

7:26 Echoes of 1929: leveraged ETFs, margin-like structures, and “Russian-doll” debt

8:29 The perils of leverage and speed of modern market declines

9:02 Private-market tokens and the “mark-to-make-believe” problem

10:25 Overvaluation, lack of liquidity, and Wall Street’s interest in 401(k) assets

11:41 Historical leverage shifts—from banks to private credit

12:58 Why trusting financial “authorities” can be dangerous

13:32 Emotional honesty: people lie, and investors must self-protect

14:42 Jealousy, lottery-thinking, and envy as behavioral pitfalls

15:36 Investing as elimination—avoid what’s complex, costly, or confusing

16:48 Listener Q&A: two-fund simplicity (VT + BND) vs. multi-ETF tinkering

18:38 The temptation to overweight U.S. equities

20:00 Contrarian case for international exposure (VXUS)

21:15 ESPP stock cleanup: when to sell concentrated holdings

22:44 Charitable giving of appreciated stock for tax efficiency
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]]>
0:04 Opening disclaimers and acknowledgment that the episode isn’t meant to scare investors

1:18 Historical parallels—1929, 1987, 2008—and the feeling of “market déjà vu”

2:10 Introducing Andrew Ross Sorkin’s new book 1929 and his NYT column on modern speculation

3:20 Financialization and the loosening of investor protections in the 2020s

4:33 Wall Street’s constant invention of confusing products that favor sellers

4:58 Robinhood’s Vlad Tenev and the illusion of democratizing risk

6:12 Lowering the barriers to private markets and what that means for investors

7:26 Echoes of 1929: leveraged ETFs, margin-like structures, and “Russian-doll” debt

8:29 The perils of leverage and speed of modern market declines

9:02 Private-market tokens and the “mark-to-make-believe” problem

10:25 Overvaluation, lack of liquidity, and Wall Street’s interest in 401(k) assets

11:41 Historical leverage shifts—from banks to private credit

12:58 Why trusting financial “authorities” can be dangerous

13:32 Emotional honesty: people lie, and investors must self-protect

14:42 Jealousy, lottery-thinking, and envy as behavioral pitfalls

15:36 Investing as elimination—avoid what’s complex, costly, or confusing

16:48 Listener Q&A: two-fund simplicity (VT + BND) vs. multi-ETF tinkering

18:38 The temptation to overweight U.S. equities

20:00 Contrarian case for international exposure (VXUS)

21:15 ESPP stock cleanup: when to sell concentrated holdings

22:44 Charitable giving of appreciated stock for tax efficiency
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]]> Don McDonald 54795354-2eb4-11f1-b6ec-d3d8e971e20c Thu, 30 Oct 2025 13:10:00 -0400 1621 false Financial Cockroaches Financial Cockroaches
0:04 Opening rant on misbehavior in the financial industry and the perils of “bad advisors.”

1:03 How fired brokers reappear as insurance salesmen—98% stay in the industry.

3:10 Why state insurance oversight is toothless and how low the penalties really are.

5:14 Insurance firms masquerading as planners—why fiduciary-only advisors matter.

6:03 The study’s “cockroach” comparison and why the problem persists.

7:37 How to vet your advisor using FINRA’s BrokerCheck and state insurance lookups.

9:16 State vs. federal regulation—why the insurance lobby spent $200 million to avoid SEC oversight.

11:08 Caller Beth from Washington asks about SR 8201—investing long-term care funds in stocks.

13:27 The fiduciary perspective: diversification and realistic expectations.

15:23 Caller Gene from Puyallup on 529 plans vs. UTMAs for grandkids.

17:55 Tax control, gift rules, and the best state 529 options.

19:20 Holiday gifting and a little banter about who’s on Tom’s “nice list.”

20:22 Halloween costumes, tourists, and Celebration, Florida trick-or-treat madness.

23:28 Behind the scenes: Don reveals the entire “Talking Real Money” production staff (himself).

24:32 Podcast email list plug—how to subscribe at TalkingRealMoney.com.

25:35 Explaining podcasts for the AM radio crowd—how to find Talking Real Money on your phone.

27:30 Listener question from Matthew in Illinois about 457 plan costs and hidden fees.

30:38 The truth about 457s, penalties, and why Schwab’s low-cost ETFs may be smarter.

32:34 Caller Rob from Bellevue discusses attending RetireMeet and noticing the Apella building.

33:18 Wrapping with cocoa and coffee futures—good news for chocolate, bad for espresso lovers.

37:49 Don plugs Litreading’s Scary Story Season before switching to Christmas stories.


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]]>
0:04 Opening rant on misbehavior in the financial industry and the perils of “bad advisors.”

1:03 How fired brokers reappear as insurance salesmen—98% stay in the industry.

3:10 Why state insurance oversight is toothless and how low the penalties really are.

5:14 Insurance firms masquerading as planners—why fiduciary-only advisors matter.

6:03 The study’s “cockroach” comparison and why the problem persists.

7:37 How to vet your advisor using FINRA’s BrokerCheck and state insurance lookups.

9:16 State vs. federal regulation—why the insurance lobby spent $200 million to avoid SEC oversight.

11:08 Caller Beth from Washington asks about SR 8201—investing long-term care funds in stocks.

13:27 The fiduciary perspective: diversification and realistic expectations.

15:23 Caller Gene from Puyallup on 529 plans vs. UTMAs for grandkids.

17:55 Tax control, gift rules, and the best state 529 options.

19:20 Holiday gifting and a little banter about who’s on Tom’s “nice list.”

20:22 Halloween costumes, tourists, and Celebration, Florida trick-or-treat madness.

23:28 Behind the scenes: Don reveals the entire “Talking Real Money” production staff (himself).

24:32 Podcast email list plug—how to subscribe at TalkingRealMoney.com.

25:35 Explaining podcasts for the AM radio crowd—how to find Talking Real Money on your phone.

27:30 Listener question from Matthew in Illinois about 457 plan costs and hidden fees.

30:38 The truth about 457s, penalties, and why Schwab’s low-cost ETFs may be smarter.

32:34 Caller Rob from Bellevue discusses attending RetireMeet and noticing the Apella building.

33:18 Wrapping with cocoa and coffee futures—good news for chocolate, bad for espresso lovers.

37:49 Don plugs Litreading’s Scary Story Season before switching to Christmas stories.


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]]> Don McDonald af7de8dc-2eb4-11f1-b6ec-c3ed7655342f Wed, 29 Oct 2025 13:06:00 -0400 2469 false Hard to Diversify Hard to Diversify
0:04 Show open — Saturday radio edition and why repetition matters in financial education

1:03 The fashion of diversification — and why it’s “back in style”

2:27 International and small-cap value resurgence

3:15 Why investors chase past returns instead of diversifying

4:02 Gold, inflation, and recency bias — lessons from the 1980s

5:21 U.S. vs. international allocation debate: market cap vs. 50/50

6:20 The long wait for Japan’s market recovery

7:41 Practical diversification tools — AVGE, DFAW, VT

8:19 Stop comparing everything to the S&P 500

9:08 Historical proof: global portfolio vs. S&P since 1931

10:02 Caller Charlie — buying Avantis or DFA ETFs through T. Rowe Price or Vanguard

12:39 How fund custodians differ from managers

13:27 Checking portfolio exposure with Morningstar

14:42 Caller Gabe — invest or pay off debt?

16:45 When to pay off a car loan vs. mortgage

19:35 How to handle multiple mortgages and long-term plans

20:22 Social Security’s 2026 COLA bump and the “good news/bad news” of $102 more a month

22:21 Inflation realities — coffee, beef, and Halloween candy

25:02 Candy talk — shrinkflation and Don’s trick-or-treat haul

25:54 LitReading plug: “Scary Story Season” and Philip K. Dick’s The Hanging Man

27:34 Search “Don McDonald” in Apple Podcasts — chiropractor cameo included

29:05 Listener Victor (a.k.a. George) — can $4 million last 60 years with 5% withdrawals?

31:38 How the flexible withdrawal method works in practice

33:49 Retirement purpose, Monte Carlo results, and FIRE skepticism

37:41 Kindleberger quote on bubbles and envy: “There’s nothing so disturbing as to see a friend get rich.”

38:55 Kindleberger’s background and Manias, Panics, and Crashes
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]]>
0:04 Show open — Saturday radio edition and why repetition matters in financial education

1:03 The fashion of diversification — and why it’s “back in style”

2:27 International and small-cap value resurgence

3:15 Why investors chase past returns instead of diversifying

4:02 Gold, inflation, and recency bias — lessons from the 1980s

5:21 U.S. vs. international allocation debate: market cap vs. 50/50

6:20 The long wait for Japan’s market recovery

7:41 Practical diversification tools — AVGE, DFAW, VT

8:19 Stop comparing everything to the S&P 500

9:08 Historical proof: global portfolio vs. S&P since 1931

10:02 Caller Charlie — buying Avantis or DFA ETFs through T. Rowe Price or Vanguard

12:39 How fund custodians differ from managers

13:27 Checking portfolio exposure with Morningstar

14:42 Caller Gabe — invest or pay off debt?

16:45 When to pay off a car loan vs. mortgage

19:35 How to handle multiple mortgages and long-term plans

20:22 Social Security’s 2026 COLA bump and the “good news/bad news” of $102 more a month

22:21 Inflation realities — coffee, beef, and Halloween candy

25:02 Candy talk — shrinkflation and Don’s trick-or-treat haul

25:54 LitReading plug: “Scary Story Season” and Philip K. Dick’s The Hanging Man

27:34 Search “Don McDonald” in Apple Podcasts — chiropractor cameo included

29:05 Listener Victor (a.k.a. George) — can $4 million last 60 years with 5% withdrawals?

31:38 How the flexible withdrawal method works in practice

33:49 Retirement purpose, Monte Carlo results, and FIRE skepticism

37:41 Kindleberger quote on bubbles and envy: “There’s nothing so disturbing as to see a friend get rich.”

38:55 Kindleberger’s background and Manias, Panics, and Crashes
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]]> Don McDonald bcddce3e-2eb4-11f1-b6ec-5315a7c5de74 Tue, 28 Oct 2025 13:19:00 -0400 2469 false T&R Q&A T&R Q&A
0:05 Tom opens with a warning about the explosion in penny-stock IPOs

1:26 Why “lottery-ticket” stocks nearly always burn investors

2:21 Diversify, stay tax-efficient, and skip the hype

2:30 Roxy joins for listener Q&A

3:38 Fidelity’s annuity pitch — a listener wonders if it’s time to leave

5:05 Who’s truly fiduciary: Fidelity vs. Vanguard vs. Apella

6:14 Vanguard dipping a toe into crypto

6:51 Quabina from Ohio: $2.2M at 47 — diversified enough to retire at 55?

8:14 Missing global diversification and bonds in an all-U.S. portfolio

9:57 Early-retirement planning challenges and healthcare costs

10:20 How to design the right stock-bond-international mix

11:36 Daniel from California: Are long CDs taxed as capital gains?

13:04 Why CD interest is always ordinary income — and muni bond alternatives

13:29 Year-end planning: RMDs, Roth conversions, and tax optimization

14:45 Common tax mistakes and mis-placed assets

15:19 Emily from Ohio: “Young and Dumb” — a 21-year-old investing the smart way

18:51 Building a first Roth IRA and why bonds don’t belong yet

20:00 One-fund simplicity: AVGE vs. VOO

21:41 Long-term mindset: global diversification and patience pay off
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]]>
0:05 Tom opens with a warning about the explosion in penny-stock IPOs

1:26 Why “lottery-ticket” stocks nearly always burn investors

2:21 Diversify, stay tax-efficient, and skip the hype

2:30 Roxy joins for listener Q&A

3:38 Fidelity’s annuity pitch — a listener wonders if it’s time to leave

5:05 Who’s truly fiduciary: Fidelity vs. Vanguard vs. Apella

6:14 Vanguard dipping a toe into crypto

6:51 Quabina from Ohio: $2.2M at 47 — diversified enough to retire at 55?

8:14 Missing global diversification and bonds in an all-U.S. portfolio

9:57 Early-retirement planning challenges and healthcare costs

10:20 How to design the right stock-bond-international mix

11:36 Daniel from California: Are long CDs taxed as capital gains?

13:04 Why CD interest is always ordinary income — and muni bond alternatives

13:29 Year-end planning: RMDs, Roth conversions, and tax optimization

14:45 Common tax mistakes and mis-placed assets

15:19 Emily from Ohio: “Young and Dumb” — a 21-year-old investing the smart way

18:51 Building a first Roth IRA and why bonds don’t belong yet

20:00 One-fund simplicity: AVGE vs. VOO

21:41 Long-term mindset: global diversification and patience pay off
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]]> Don McDonald b45b388c-2eb4-11f1-b6ec-a7b9420df187 Mon, 27 Oct 2025 11:58:00 -0400 1468 false Questions Abound Questions Abound
0:04 Q Day begins — Don riffs on “Q” words and high-quality listener audio

1:42 Betsy from Minnesota asks: best funds for a Roth IRA (AVUV, VOO, AVGE)

2:39 Don suggests simplifying to AVGE, but warns of risk and emotional resilience

4:12 Jesse from Seattle on CPAG “tax-efficient” bond ETF — Don calls it a gimmick

5:55 Don’s math: CPAG only helps slightly at 35% tax bracket, not worth complexity

9:06 Listener compares 403(b) vs. home value growth — Don confirms results typical

12:45 Real estate’s weak real return over time and lifestyle vs. investment value

12:45 California HSA confusion — Don explains CA taxes HSAs like normal accounts

15:22 Nathan from Georgia: Vanguard vs. Avantis funds, and “copy politician trades”

17:20 Don: Avantis adds small/value tilt, AVGE can simplify portfolio management

19:14 Don: “copy-trade” apps are expensive, delayed, and silly gimmicks

20:58 James from Virginia: Vanguard Cash Plus vs. money market funds

22:34 Don explains FDIC difference and risk-reward tradeoff, prefers money market

24:11 Closing reflections, legacy talk, and plug for New Tales Told
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]]>
0:04 Q Day begins — Don riffs on “Q” words and high-quality listener audio

1:42 Betsy from Minnesota asks: best funds for a Roth IRA (AVUV, VOO, AVGE)

2:39 Don suggests simplifying to AVGE, but warns of risk and emotional resilience

4:12 Jesse from Seattle on CPAG “tax-efficient” bond ETF — Don calls it a gimmick

5:55 Don’s math: CPAG only helps slightly at 35% tax bracket, not worth complexity

9:06 Listener compares 403(b) vs. home value growth — Don confirms results typical

12:45 Real estate’s weak real return over time and lifestyle vs. investment value

12:45 California HSA confusion — Don explains CA taxes HSAs like normal accounts

15:22 Nathan from Georgia: Vanguard vs. Avantis funds, and “copy politician trades”

17:20 Don: Avantis adds small/value tilt, AVGE can simplify portfolio management

19:14 Don: “copy-trade” apps are expensive, delayed, and silly gimmicks

20:58 James from Virginia: Vanguard Cash Plus vs. money market funds

22:34 Don explains FDIC difference and risk-reward tradeoff, prefers money market

24:11 Closing reflections, legacy talk, and plug for New Tales Told
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]]> Don McDonald a510fe5c-2eb4-11f1-b6ec-33d32b8b58fa Fri, 24 Oct 2025 12:55:00 -0400 1714 false Now or Later? Now or Later?
0:00 Why they keep returning to Social Security and why 25% of retirees rely on it entirely

1:43 Two-thirds claim before full retirement age; Wall Street Journal’s clickbait headline

3:02 The “bird in hand” fallacy and instant-gratification bias

3:48 Don’s confession: took Social Security at 69—and dogs ruined the travel plans

4:40 WSJ’s faulty 5%-return argument and why most investors won’t achieve it

5:43 The math: waiting pays more monthly, but longevity is the unknown

6:32 Trade-offs between retiring early, portfolio drawdowns, and spousal benefits

7:35 NYT’s claim that Social Security is America’s most valuable “asset”

8:08 Don’s rebuttal: it’s income, not an asset—you can’t liquidate it

9:49 Why people misclassify Social Security and how bonds fit differently

10:08 When and how to get a second (fiduciary) opinion on claiming strategies

11:00 The plague of commission-driven “advisors” and fake fiduciaries

12:29 Old brokerage “no-load fund” lies and how similar games persist today

12:40 Listener Q&A: overfunded 529 plan vs. Roth rollover for grad school

14:27 Midwifery degrees, student-loan math, and the 5% rate cutoff

17:13 Rollover IRA question: switching Fidelity funds to Vanguard ETFs

18:15 Active vs. index funds—why fees and diversification matter

20:05 Active-active management and small-cap risk humor

20:54 ESOP question: how much company stock is too much? (Hint: under 5%)

22:42 Selling discipline and diversification in employee-owned firms

24:39 Don and Tom joke about their own ownership and “sell-out” strategy

25:04 Daily calls, good-natured ribbing, and reminders about Saturday’s live show
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]]>
0:00 Why they keep returning to Social Security and why 25% of retirees rely on it entirely

1:43 Two-thirds claim before full retirement age; Wall Street Journal’s clickbait headline

3:02 The “bird in hand” fallacy and instant-gratification bias

3:48 Don’s confession: took Social Security at 69—and dogs ruined the travel plans

4:40 WSJ’s faulty 5%-return argument and why most investors won’t achieve it

5:43 The math: waiting pays more monthly, but longevity is the unknown

6:32 Trade-offs between retiring early, portfolio drawdowns, and spousal benefits

7:35 NYT’s claim that Social Security is America’s most valuable “asset”

8:08 Don’s rebuttal: it’s income, not an asset—you can’t liquidate it

9:49 Why people misclassify Social Security and how bonds fit differently

10:08 When and how to get a second (fiduciary) opinion on claiming strategies

11:00 The plague of commission-driven “advisors” and fake fiduciaries

12:29 Old brokerage “no-load fund” lies and how similar games persist today

12:40 Listener Q&A: overfunded 529 plan vs. Roth rollover for grad school

14:27 Midwifery degrees, student-loan math, and the 5% rate cutoff

17:13 Rollover IRA question: switching Fidelity funds to Vanguard ETFs

18:15 Active vs. index funds—why fees and diversification matter

20:05 Active-active management and small-cap risk humor

20:54 ESOP question: how much company stock is too much? (Hint: under 5%)

22:42 Selling discipline and diversification in employee-owned firms

24:39 Don and Tom joke about their own ownership and “sell-out” strategy

25:04 Daily calls, good-natured ribbing, and reminders about Saturday’s live show
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]]> Don McDonald 7edd0500-2eb4-11f1-b6ec-cbb8e988b87c Thu, 23 Oct 2025 13:25:00 -0400 1675 false Surprising Win Surprising Win
0:04 Opening banter on the show’s long Seattle run and mission to simplify money.

2:08 The S&P 500 obsession—why investors overweight large U.S. growth stocks.

3:23 Larry Swedroe’s quiz: best-performing asset class 2019–2025 (hint: it’s not U.S. large growth).

4:07 Dimensional International Small Cap Value Fund (DISVX) vs. S&P 500 Growth (VOOG).

5:20 Why diversification and global exposure matter long-term.

6:20 Break: “Financial Flinch Reflex” PSA.

7:42 Diversification means holding assets that sometimes disappoint you.

8:33 Don’s marriage analogy and listener call-in from Baltimore about trusts.

10:15 Estate simplicity, beneficiary designations, and when trusts are unnecessary.

11:55 The danger of “trust mills” and the value of family transparency.

14:40 Community property vs. joint tenancy—Washington’s unique tax advantage.

16:36 Call from Michael: flexible vs. fixed withdrawal rates in retirement.

17:29 Why a 5% flexible withdrawal often beats the classic 4% rule.

20:19 Research roundup: Kitsis, Vanguard, Morningstar confirm flexible success rates.

23:09 Listener from Tennessee asks about capital-gains exclusions.

25:44 Chris from Seattle: using target-date funds to fix a “hodge-podge” portfolio.

27:24 Adding small-cap value (AVUV) to target-date funds for tilt and simplicity.

28:34 Listener from New Hampshire asks which planning software Appella Wealth uses.

30:06 Call from Sam: best small-cap value ETF options (AVUV vs. VBR).

33:21 Risk, volatility, and why small-cap value offers higher expected returns.

35:47 Mark Hulbert on crypto’s crash—bigger than 1929 by percentage.

36:54 Why hype, not utility, drives crypto coverage.

38:36 Final takeaway: investors remain too U.S.-centric; diversify globally.
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]]>
0:04 Opening banter on the show’s long Seattle run and mission to simplify money.

2:08 The S&P 500 obsession—why investors overweight large U.S. growth stocks.

3:23 Larry Swedroe’s quiz: best-performing asset class 2019–2025 (hint: it’s not U.S. large growth).

4:07 Dimensional International Small Cap Value Fund (DISVX) vs. S&P 500 Growth (VOOG).

5:20 Why diversification and global exposure matter long-term.

6:20 Break: “Financial Flinch Reflex” PSA.

7:42 Diversification means holding assets that sometimes disappoint you.

8:33 Don’s marriage analogy and listener call-in from Baltimore about trusts.

10:15 Estate simplicity, beneficiary designations, and when trusts are unnecessary.

11:55 The danger of “trust mills” and the value of family transparency.

14:40 Community property vs. joint tenancy—Washington’s unique tax advantage.

16:36 Call from Michael: flexible vs. fixed withdrawal rates in retirement.

17:29 Why a 5% flexible withdrawal often beats the classic 4% rule.

20:19 Research roundup: Kitsis, Vanguard, Morningstar confirm flexible success rates.

23:09 Listener from Tennessee asks about capital-gains exclusions.

25:44 Chris from Seattle: using target-date funds to fix a “hodge-podge” portfolio.

27:24 Adding small-cap value (AVUV) to target-date funds for tilt and simplicity.

28:34 Listener from New Hampshire asks which planning software Appella Wealth uses.

30:06 Call from Sam: best small-cap value ETF options (AVUV vs. VBR).

33:21 Risk, volatility, and why small-cap value offers higher expected returns.

35:47 Mark Hulbert on crypto’s crash—bigger than 1929 by percentage.

36:54 Why hype, not utility, drives crypto coverage.

38:36 Final takeaway: investors remain too U.S.-centric; diversify globally.
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]]> Don McDonald 7f971684-2eb4-11f1-b6ec-83d2a6e74423 Wed, 22 Oct 2025 01:59:00 -0400 2464 false Crypto's Crazy Crypto's Crazy
0:04 Pretending last Saturday’s show didn’t happen; Tom’s pun about “Pacific” questions.

1:41 Crypto crash carnage—Bitcoin off 16%, Ethereum down 25%, “Trump Coin” collapsing.

2:30 Comparing crypto’s thrill-seeking crowd to sports betting mania.

3:55 Why your financial advisor should not be your gambling coach.

4:48 The leveraged, insider-ish side of crypto speculation.

5:06 The absurdity of 10,000+ coins that serve no purpose but gambling.

7:40 Calling crypto “speculative” and comparing it to a casino roller coaster.

8:10 Binance payout trouble—proof many players don’t know how to run big-money businesses.

10:32 MicroStrategy’s leveraged Bitcoin plunge and the perils of margin.

11:37 The illusion of “value” in digital tokens versus productive assets.

12:55 Historical echo: borrowed money, bubbles, and 1929-style leverage warnings.

15:25 Listener questions segment opens; lighthearted banter about philately and call volume.

17:02 “ChatGPT beats bad advisors” — asset location done right (bonds in IRA, stocks in Roth).

18:30 Why most “advisors” ignore tax planning in favor of commissions.

20:23 Jay Gould, robber barons, and the Wall Street Journal’s bizarre defense of con artists.

22:12 From Nikola to Theranos—lying as business strategy and why “gray areas” hurt investors.

24:53 The moral cost of tolerating fraud disguised as innovation.

26:36 Why trust is the real foundation of capitalism, not creative deception.

27:00 How to protect yourself: fee-only fiduciary advice and due diligence.

27:36 Mariners hangover theory for low call volume; nostalgic TV banter (“Bewitched”).

29:06 Caller Tom (Seattle): $4 M portfolio, $1 M in money market—how much liquidity is too much?

30:34 The hidden risk of waiting too long to react when rates fall.

33:08 Building a CD ladder to lock yield without betting on one-day rates.

34:25 Quick take: Why they’d avoid owning Boeing stock individually.

36:18 Caller Justin (Florida): emerging-market allocation for high-risk investors.

37:29 Case for small-cap and value tilts, including emerging markets.

38:34 Should you exclude China? Why it’s still essential in global portfolios.

39:29 Closing reminders—use the website for questions, and find fiduciary help at TalkingRealMoney.com.
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]]>
0:04 Pretending last Saturday’s show didn’t happen; Tom’s pun about “Pacific” questions.

1:41 Crypto crash carnage—Bitcoin off 16%, Ethereum down 25%, “Trump Coin” collapsing.

2:30 Comparing crypto’s thrill-seeking crowd to sports betting mania.

3:55 Why your financial advisor should not be your gambling coach.

4:48 The leveraged, insider-ish side of crypto speculation.

5:06 The absurdity of 10,000+ coins that serve no purpose but gambling.

7:40 Calling crypto “speculative” and comparing it to a casino roller coaster.

8:10 Binance payout trouble—proof many players don’t know how to run big-money businesses.

10:32 MicroStrategy’s leveraged Bitcoin plunge and the perils of margin.

11:37 The illusion of “value” in digital tokens versus productive assets.

12:55 Historical echo: borrowed money, bubbles, and 1929-style leverage warnings.

15:25 Listener questions segment opens; lighthearted banter about philately and call volume.

17:02 “ChatGPT beats bad advisors” — asset location done right (bonds in IRA, stocks in Roth).

18:30 Why most “advisors” ignore tax planning in favor of commissions.

20:23 Jay Gould, robber barons, and the Wall Street Journal’s bizarre defense of con artists.

22:12 From Nikola to Theranos—lying as business strategy and why “gray areas” hurt investors.

24:53 The moral cost of tolerating fraud disguised as innovation.

26:36 Why trust is the real foundation of capitalism, not creative deception.

27:00 How to protect yourself: fee-only fiduciary advice and due diligence.

27:36 Mariners hangover theory for low call volume; nostalgic TV banter (“Bewitched”).

29:06 Caller Tom (Seattle): $4 M portfolio, $1 M in money market—how much liquidity is too much?

30:34 The hidden risk of waiting too long to react when rates fall.

33:08 Building a CD ladder to lock yield without betting on one-day rates.

34:25 Quick take: Why they’d avoid owning Boeing stock individually.

36:18 Caller Justin (Florida): emerging-market allocation for high-risk investors.

37:29 Case for small-cap and value tilts, including emerging markets.

38:34 Should you exclude China? Why it’s still essential in global portfolios.

39:29 Closing reminders—use the website for questions, and find fiduciary help at TalkingRealMoney.com.
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]]> Don McDonald b47574d6-2eb4-11f1-b6ec-af5f555ffb8f Tue, 21 Oct 2025 15:24:00 -0400 2465 false Protect Yourself Protect Yourself
0:04 Scam text from Colorado and the hazards of living alone in a studio

1:09 Market highs and the illusion of perfect timing

2:35 Stock concentration, meme stock mania, and the “Magnificent Seven” dominance

3:34 Listener call: investing in a soccer team partnership promising 15–30% returns

5:12 Why “too good to be true” often is — scams and speculative traps

6:09 Covered-call ETFs (JEPI, GPIQ) explained and debunked

9:39 New private credit ETF (PCR): high fees, low transparency, huge risk

12:49 CNBC hype vs. reality — why turning off financial TV is sound advice

16:21 Listener question: Roth conversions and tax traps in the 30% bracket

19:26 Another listener: funding a new home without derailing retirement

21:47 Don’s rant on overpricing homes — “every house sells at the right price”

23:24 Real estate emotion vs. math — the price always tells the truth

24:31 Episode wrap-up: humor, gratitude, and an absurd “wearable banner” promo idea


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]]>
0:04 Scam text from Colorado and the hazards of living alone in a studio

1:09 Market highs and the illusion of perfect timing

2:35 Stock concentration, meme stock mania, and the “Magnificent Seven” dominance

3:34 Listener call: investing in a soccer team partnership promising 15–30% returns

5:12 Why “too good to be true” often is — scams and speculative traps

6:09 Covered-call ETFs (JEPI, GPIQ) explained and debunked

9:39 New private credit ETF (PCR): high fees, low transparency, huge risk

12:49 CNBC hype vs. reality — why turning off financial TV is sound advice

16:21 Listener question: Roth conversions and tax traps in the 30% bracket

19:26 Another listener: funding a new home without derailing retirement

21:47 Don’s rant on overpricing homes — “every house sells at the right price”

23:24 Real estate emotion vs. math — the price always tells the truth

24:31 Episode wrap-up: humor, gratitude, and an absurd “wearable banner” promo idea


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]]> Don McDonald c61289cc-2eb4-11f1-b6ec-cb50ee53bb3d Mon, 20 Oct 2025 11:58:00 -0400 1769 false Friday Means... Friday Means...
0:10 Friday Q&A intro and how to send in questions

1:51 Are CD ladders a good replacement for bond funds?

3:37 How to build a disciplined CD ladder and avoid rate-timing mistakes

3:41 A father asks how to diversify his daughter’s Roth IRA beyond VTI

5:48 Couple planning early retirement—asset allocation and 72(t) options

9:41 Why bonds exist: emotional stability vs. return chasing

11:29 The case for international diversification

11:29 Long-term HSA strategy and what to do without old receipts

14:32 How to recreate expense records and save PDFs going forward

15:26 Which 529 plans are best for kids aged 2–12? (Utah vs. Schwab)

17:28 Dave Ramsey investing myths and the real purpose of bonds

20:36 When to start adding bonds—take the Talking Real Money risk quiz

21:00 Where to park six-figure cash for car or property purchases

22:46 Short-term safety vs. yield trade-off
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]]>
0:10 Friday Q&A intro and how to send in questions

1:51 Are CD ladders a good replacement for bond funds?

3:37 How to build a disciplined CD ladder and avoid rate-timing mistakes

3:41 A father asks how to diversify his daughter’s Roth IRA beyond VTI

5:48 Couple planning early retirement—asset allocation and 72(t) options

9:41 Why bonds exist: emotional stability vs. return chasing

11:29 The case for international diversification

11:29 Long-term HSA strategy and what to do without old receipts

14:32 How to recreate expense records and save PDFs going forward

15:26 Which 529 plans are best for kids aged 2–12? (Utah vs. Schwab)

17:28 Dave Ramsey investing myths and the real purpose of bonds

20:36 When to start adding bonds—take the Talking Real Money risk quiz

21:00 Where to park six-figure cash for car or property purchases

22:46 Short-term safety vs. yield trade-off
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]]> Don McDonald 77cec654-2eb4-11f1-b6ec-ebba4972cdd5 Fri, 17 Oct 2025 11:00:00 -0400 1563 false Income Sources Income Sources
0:04 Bug chaos and phone-line reminder

1:41 Why dividend-income portfolios are a trap

2:50 Jason Zweig & Richard Thaler on total-return spending

4:18 Total return beats “high-dividend” illusions

5:39 Robinhood’s option-spread profits and the myth of “free” trading

6:15 Schwab vs. Robinhood: relative honesty in bid-ask spreads

7:43 Thaler’s take on missing retirement plans and automatic savings

9:05 Anniversary talk and the failed “Debbie Show” experiment

10:15 Back to Thaler—why most workers still lack plans

11:39 Tesla options example showing 7 percent spread

12:05 Case for national retirement depository & hybrid Social Security

13:33 Hodgepodge-itis defined (and owned by Don)

14:51 Low call volume and the Mariners’ hangover

15:52 Listener Kevin asks about dividends vs. selling stock

16:53 Reinvesting dividends vs. total-return withdrawals

18:17 Dividends reduce company growth potential

19:45 Why high-yield chasing kills diversification

20:07 Caller David, age 67, plans retirement & asks how to prep

21:55 Social Security timing advice—benefits rise monthly

22:50 David’s details: city pension, deferred comp, house, no debt

24:07 Getting professional fiduciary advice before retiring

25:23 David’s crypto confession and $3K Ripple gamble

27:27 Jail-bound investor asks where to park money

30:18 Don & Tom debate investing from behind bars (humor intact)

33:19 Columbus Day scheduling confusion & closing banter
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]]>
0:04 Bug chaos and phone-line reminder

1:41 Why dividend-income portfolios are a trap

2:50 Jason Zweig & Richard Thaler on total-return spending

4:18 Total return beats “high-dividend” illusions

5:39 Robinhood’s option-spread profits and the myth of “free” trading

6:15 Schwab vs. Robinhood: relative honesty in bid-ask spreads

7:43 Thaler’s take on missing retirement plans and automatic savings

9:05 Anniversary talk and the failed “Debbie Show” experiment

10:15 Back to Thaler—why most workers still lack plans

11:39 Tesla options example showing 7 percent spread

12:05 Case for national retirement depository & hybrid Social Security

13:33 Hodgepodge-itis defined (and owned by Don)

14:51 Low call volume and the Mariners’ hangover

15:52 Listener Kevin asks about dividends vs. selling stock

16:53 Reinvesting dividends vs. total-return withdrawals

18:17 Dividends reduce company growth potential

19:45 Why high-yield chasing kills diversification

20:07 Caller David, age 67, plans retirement & asks how to prep

21:55 Social Security timing advice—benefits rise monthly

22:50 David’s details: city pension, deferred comp, house, no debt

24:07 Getting professional fiduciary advice before retiring

25:23 David’s crypto confession and $3K Ripple gamble

27:27 Jail-bound investor asks where to park money

30:18 Don & Tom debate investing from behind bars (humor intact)

33:19 Columbus Day scheduling confusion & closing banter
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]]> Don McDonald b36582f2-2eb4-11f1-b6ec-07bb866c8e8d Thu, 16 Oct 2025 11:01:00 -0400 2148 false Many Have Millions Many Have Millions
0:04 Opening banter, phone number, Florida “cold front,” and baseball chatter

2:33 Topic intro: What a million dollars means now vs. 1890

3:58 Comparing historic vs. modern millionaires and net worth equivalency

4:43 The illusion of wealth—why 70% of assets are often inaccessible

5:30 Planning for liquidity: why paying off a mortgage too early can backfire

6:37 Don’s retirement planning promo

7:39 Historical comparison: 1890s Gilded Age vs. today’s millionaire stats

8:19 Market globalization and modern wealth concentration

9:43 Rare earths and the U.S.–China tariff skirmish

10:22 Market check: stocks, bonds, and gold all dip; volatility talk

12:04 Don’s “unnamed thing” (Bitcoin) drops 10.5%; discussion on risk and rebalancing

13:48 Don shifts to 60/40 allocation—explains rationale near retirement

14:34 Brett Arends’ “Dumbest Stock Market in History” critique discussed

16:00 Debate: Are index investors stabilizing markets through consistency?

17:19 Potato chip tangent and investor psychology

18:32 Arends’ bearishness vs. evidence-based investing

20:00 Protecting your psyche, not every dollar, from market declines

20:20 Podcasting history—when Talking Real Money began

21:32 Caller Samir (Virginia): $4M net worth, suffering from “hodgepodge-itis”

24:15 Don and Tom’s prescription: stop investing until you have a plan

25:42 Margin loan temptation and why 10.5% interest kills the idea

27:00 Tom reinforces the need for a fiduciary planner

27:32 Caller Chris (Texas): moving from Empower to Vanguard PAS

29:21 Vanguard vs. Empower: conflicts, fund choices, and planning gaps

31:46 “Half-pregnant” advice models and Bogle’s legacy examined

34:20 Broader critique: single-provider risk and investor behavior

35:54 Caller Dave (Olympia): evaluating returns, fees, and portfolio costs

37:50 What’s a reasonable expense ratio and advisor fee range

39:24 Final takeaway: judge portfolios by structure, not short-term returns
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]]>
0:04 Opening banter, phone number, Florida “cold front,” and baseball chatter

2:33 Topic intro: What a million dollars means now vs. 1890

3:58 Comparing historic vs. modern millionaires and net worth equivalency

4:43 The illusion of wealth—why 70% of assets are often inaccessible

5:30 Planning for liquidity: why paying off a mortgage too early can backfire

6:37 Don’s retirement planning promo

7:39 Historical comparison: 1890s Gilded Age vs. today’s millionaire stats

8:19 Market globalization and modern wealth concentration

9:43 Rare earths and the U.S.–China tariff skirmish

10:22 Market check: stocks, bonds, and gold all dip; volatility talk

12:04 Don’s “unnamed thing” (Bitcoin) drops 10.5%; discussion on risk and rebalancing

13:48 Don shifts to 60/40 allocation—explains rationale near retirement

14:34 Brett Arends’ “Dumbest Stock Market in History” critique discussed

16:00 Debate: Are index investors stabilizing markets through consistency?

17:19 Potato chip tangent and investor psychology

18:32 Arends’ bearishness vs. evidence-based investing

20:00 Protecting your psyche, not every dollar, from market declines

20:20 Podcasting history—when Talking Real Money began

21:32 Caller Samir (Virginia): $4M net worth, suffering from “hodgepodge-itis”

24:15 Don and Tom’s prescription: stop investing until you have a plan

25:42 Margin loan temptation and why 10.5% interest kills the idea

27:00 Tom reinforces the need for a fiduciary planner

27:32 Caller Chris (Texas): moving from Empower to Vanguard PAS

29:21 Vanguard vs. Empower: conflicts, fund choices, and planning gaps

31:46 “Half-pregnant” advice models and Bogle’s legacy examined

34:20 Broader critique: single-provider risk and investor behavior

35:54 Caller Dave (Olympia): evaluating returns, fees, and portfolio costs

37:50 What’s a reasonable expense ratio and advisor fee range

39:24 Final takeaway: judge portfolios by structure, not short-term returns
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]]> Don McDonald afd8e75a-2eb4-11f1-b6ec-53b2612a43dd Wed, 15 Oct 2025 14:46:00 -0400 2472 false Retiring Friends Retiring Friends
0:04 Why this episode starts with a Friends reference—and yes, it’s copyright-friendly

0:31 Monica and Chandler Bing as retirement savers: organized, driven, but maybe too perfectionist

3:25 Monica’s obsessive planning vs. Chandler’s possible risk aversion

4:22 Overthinking portfolios and the emotional toll of too much tweaking

5:01 Savers who struggle to spend: how Monica might hoard instead of enjoy

5:56 Chandler’s likely financial behavior and their combined million-plus portfolio

7:03 Ross: neurotic, divorced, and probably pension-supported

7:54 Why pensions are psychologically powerful for retirees

8:35 Ross would need an advisor to keep him calm and invested

9:14 Rachel: spender, low earner, fashion industry job—not retirement ready

10:30 Joey: the actor’s feast-or-famine finances and SAG-AFTRA pension potential

12:22 Real SAG-AFTRA pension expectations: modest but helpful

13:09 Joey’s likely retirement: modest income, limited comfort outside major cities

13:54 Phoebe: quirky, lovable… financially reckless?

14:28 Phoebe’s imaginary downfall: alimony, bad investing, busking in Times Square

15:20 Big picture takeaways: personality, income, and circumstance aren’t destiny—but they shape outcomes

16:48 The Bings win the retirement game… Phoebe’s husband probably doesn’t stay married

17:30 Listener Q1: Combining fixed and flexible withdrawal strategies

18:52 30-year portfolio simulation using 60/40 and AI tools

20:24 Hybrid strategy results: high survival rate, smoother ride, and growing payouts

21:21 Comparison of 4% vs. 5% withdrawal income over time

22:36 Listener Q2: Replacing expensive international funds in a union 401k plan

24:00 Replace EuroPacific and Developed with Fidelity’s low-cost international index fund

25:17 Expense ratio showdown: PigWX vs. FSPSX

26:32 Closing chaos: how to contact Tom and the long-lost newsletter phone number

27:49 Origins of 800-FUND-004 and how someone just walked into the Bellevue office

29:42 End credits and final laughs—yes, even Tom held back the dad jokes (mostly)
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]]>
0:04 Why this episode starts with a Friends reference—and yes, it’s copyright-friendly

0:31 Monica and Chandler Bing as retirement savers: organized, driven, but maybe too perfectionist

3:25 Monica’s obsessive planning vs. Chandler’s possible risk aversion

4:22 Overthinking portfolios and the emotional toll of too much tweaking

5:01 Savers who struggle to spend: how Monica might hoard instead of enjoy

5:56 Chandler’s likely financial behavior and their combined million-plus portfolio

7:03 Ross: neurotic, divorced, and probably pension-supported

7:54 Why pensions are psychologically powerful for retirees

8:35 Ross would need an advisor to keep him calm and invested

9:14 Rachel: spender, low earner, fashion industry job—not retirement ready

10:30 Joey: the actor’s feast-or-famine finances and SAG-AFTRA pension potential

12:22 Real SAG-AFTRA pension expectations: modest but helpful

13:09 Joey’s likely retirement: modest income, limited comfort outside major cities

13:54 Phoebe: quirky, lovable… financially reckless?

14:28 Phoebe’s imaginary downfall: alimony, bad investing, busking in Times Square

15:20 Big picture takeaways: personality, income, and circumstance aren’t destiny—but they shape outcomes

16:48 The Bings win the retirement game… Phoebe’s husband probably doesn’t stay married

17:30 Listener Q1: Combining fixed and flexible withdrawal strategies

18:52 30-year portfolio simulation using 60/40 and AI tools

20:24 Hybrid strategy results: high survival rate, smoother ride, and growing payouts

21:21 Comparison of 4% vs. 5% withdrawal income over time

22:36 Listener Q2: Replacing expensive international funds in a union 401k plan

24:00 Replace EuroPacific and Developed with Fidelity’s low-cost international index fund

25:17 Expense ratio showdown: PigWX vs. FSPSX

26:32 Closing chaos: how to contact Tom and the long-lost newsletter phone number

27:49 Origins of 800-FUND-004 and how someone just walked into the Bellevue office

29:42 End credits and final laughs—yes, even Tom held back the dad jokes (mostly)
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]]> Don McDonald 36b84406-2eb4-11f1-b6ec-d36beaf66114 Tue, 14 Oct 2025 09:54:00 -0400 1890 false Friday, Again? Friday, Again?
0:04 Listener Q&A returns with an extra dose—six questions this time

1:07 Confusing podcast scheduling clarified (sort of)

2:11 Crypto as an asset class? Don calls it “entirely invented” and dismantles the use case hype

4:32 If civilization collapses, your Bitcoin won’t save you

6:06 Crypto = greater fool theory; Don braces for hate mail

7:30 Dimensional/Avantis vs. index funds—do the extra fees pay off?

9:13 A 15-year comparison: Dimensional Global Equity vs. VT

11:43 Should a pension count as fixed income? Don says no—it’s a volatility game, not income

15:48 CITs (Collective Investment Trusts) in 401(k)s—cheaper, but less transparent

18:58 Index funds should be your benchmark; Don suspects this one’s active

20:02 Claiming Social Security early to preserve Roth? Don says the math rarely supports it

23:59 Secure 2.0 and RMD confusion—born in 1959? You still take RMDs at 73, not 75

26:15 Tech keeps improving—Don urges retirees to stay sharp, stay curious
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]]>
0:04 Listener Q&A returns with an extra dose—six questions this time

1:07 Confusing podcast scheduling clarified (sort of)

2:11 Crypto as an asset class? Don calls it “entirely invented” and dismantles the use case hype

4:32 If civilization collapses, your Bitcoin won’t save you

6:06 Crypto = greater fool theory; Don braces for hate mail

7:30 Dimensional/Avantis vs. index funds—do the extra fees pay off?

9:13 A 15-year comparison: Dimensional Global Equity vs. VT

11:43 Should a pension count as fixed income? Don says no—it’s a volatility game, not income

15:48 CITs (Collective Investment Trusts) in 401(k)s—cheaper, but less transparent

18:58 Index funds should be your benchmark; Don suspects this one’s active

20:02 Claiming Social Security early to preserve Roth? Don says the math rarely supports it

23:59 Secure 2.0 and RMD confusion—born in 1959? You still take RMDs at 73, not 75

26:15 Tech keeps improving—Don urges retirees to stay sharp, stay curious
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]]> Don McDonald 29d9edf2-2eb4-11f1-b6ec-cf66cc3bb297 Fri, 10 Oct 2025 13:30:00 -0400 1788 false Nothing Wins Nothing Wins
0:23 Morningstar headline: tactical allocation funds lose to “do-nothing” portfolios

1:45 What tactical allocation funds really are (a.k.a. expensive market timing)

2:52 Morningstar urges investors to “stay the course”

3:04 Revisiting “Mind the Gap” and why investors underperform their own funds

4:28 Data comparison: $10k in tactical vs. passive portfolio over 10 years

5:31 Why professionals can’t beat buy-and-hold investors

6:51 Human behavior, arrogance, and the illusion of market-timing skill

8:37 The need for a written plan and risk-based portfolio

9:58 If you have a plan, market noise stops mattering

10:22 Tangent: WWII documentaries vs. Taylor Swift’s Miss Americana

11:21 Listener question #1 – Paying off a low-rate mortgage vs. investing

13:35 Math and emotion collide: cheap money, liquidity, and peace of mind

15:35 Listener question #2 – TIAA Wealth Management fees and fiduciary standards

18:31 Reading TIAA’s ADV: possible fees up to 2% on small accounts

20:08 Comparing local RIAs vs. large institutions

21:08 Clarifying blended fees and fund costs

21:47 Listener question #3 – Vanguard advisor suggesting 60/40 allocation

22:53 Risk tolerance vs. risk need – the real balance

24:05 Investment Policy Statements and Vanguard’s advisory limitations

25:46 Call for more listener questions and upcoming Q&A shows

26:15 Don plugs Lit Reading and his new original story “A Chance of Death”

28:24 How AI collaboration shaped the story’s creation

30:59 Discussion of his next story, “Murder of Crows”

32:17 Invitation for audience feedback on Lit Reading stories


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]]>
0:23 Morningstar headline: tactical allocation funds lose to “do-nothing” portfolios

1:45 What tactical allocation funds really are (a.k.a. expensive market timing)

2:52 Morningstar urges investors to “stay the course”

3:04 Revisiting “Mind the Gap” and why investors underperform their own funds

4:28 Data comparison: $10k in tactical vs. passive portfolio over 10 years

5:31 Why professionals can’t beat buy-and-hold investors

6:51 Human behavior, arrogance, and the illusion of market-timing skill

8:37 The need for a written plan and risk-based portfolio

9:58 If you have a plan, market noise stops mattering

10:22 Tangent: WWII documentaries vs. Taylor Swift’s Miss Americana

11:21 Listener question #1 – Paying off a low-rate mortgage vs. investing

13:35 Math and emotion collide: cheap money, liquidity, and peace of mind

15:35 Listener question #2 – TIAA Wealth Management fees and fiduciary standards

18:31 Reading TIAA’s ADV: possible fees up to 2% on small accounts

20:08 Comparing local RIAs vs. large institutions

21:08 Clarifying blended fees and fund costs

21:47 Listener question #3 – Vanguard advisor suggesting 60/40 allocation

22:53 Risk tolerance vs. risk need – the real balance

24:05 Investment Policy Statements and Vanguard’s advisory limitations

25:46 Call for more listener questions and upcoming Q&A shows

26:15 Don plugs Lit Reading and his new original story “A Chance of Death”

28:24 How AI collaboration shaped the story’s creation

30:59 Discussion of his next story, “Murder of Crows”

32:17 Invitation for audience feedback on Lit Reading stories


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]]> Don McDonald 293965bc-2eb4-11f1-b6ec-87d1d6e1e4df Thu, 09 Oct 2025 13:28:00 -0400 2115 false Fourth Turning? Fourth Turning?
0:04 Faux alien warning: the Fourth Turning economic apocalypse is coming

1:16 Dissecting the MarketWatch article and the “Fourth Turning” theory

2:26 Peak catastrophe by 2030? AI job loss, collapsing dollar, wealth taxes

3:38 Don asks: what is this guy selling? Spoiler: $100M wealth club

6:01 $180k to join R360—clearly not for the average listener

6:33 Don’s “financial flinch reflex” PSA spoof (ad)

7:41 Tom: “We love being scared”—AI panic and deepfake video fears

9:07 Caller Sue (68): Ready to retire with $820k and SS? Don says yes

13:05 Sue’s next step: get a fiduciary checkup, maybe run Monte Carlo

14:10 Tom runs one: 50th percentile = she hits zero at 98

15:32 Flexible withdrawal rates might work better than rigid 4%

16:34 Listener voicemail: Should we switch from Roth to Traditional now?

18:16 DT’s Roth vs. traditional strategy: save taxes while you can

20:14 WSJ article on taxes and stock gains—do ETFs instead

21:25 Tax basics for investors: capital gains rates and efficiency

23:26 Mad Men nostalgia and mid-century tax rates

25:15 TV detour: Bewitched vs. I Dream of Jeannie vs. Outlander

27:10 Back to calls: Theodore asks about 403(b) options in Burlington

29:10 Don explodes: garbage annuity vendors dominate the plan

31:01 Aspire is the only halfway-decent vendor… if you avoid their advisors

33:54 Don tells how an Albuquerque teacher got Vanguard into their plan

35:44 Aspire hack: use FundSource for no-load mutual funds

36:14 Caller Steve: hold 20 stocks or sell and rebalance?

37:53 Tom: hybrid approach. Don: depends on need. Watch tax bracket
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]]>
0:04 Faux alien warning: the Fourth Turning economic apocalypse is coming

1:16 Dissecting the MarketWatch article and the “Fourth Turning” theory

2:26 Peak catastrophe by 2030? AI job loss, collapsing dollar, wealth taxes

3:38 Don asks: what is this guy selling? Spoiler: $100M wealth club

6:01 $180k to join R360—clearly not for the average listener

6:33 Don’s “financial flinch reflex” PSA spoof (ad)

7:41 Tom: “We love being scared”—AI panic and deepfake video fears

9:07 Caller Sue (68): Ready to retire with $820k and SS? Don says yes

13:05 Sue’s next step: get a fiduciary checkup, maybe run Monte Carlo

14:10 Tom runs one: 50th percentile = she hits zero at 98

15:32 Flexible withdrawal rates might work better than rigid 4%

16:34 Listener voicemail: Should we switch from Roth to Traditional now?

18:16 DT’s Roth vs. traditional strategy: save taxes while you can

20:14 WSJ article on taxes and stock gains—do ETFs instead

21:25 Tax basics for investors: capital gains rates and efficiency

23:26 Mad Men nostalgia and mid-century tax rates

25:15 TV detour: Bewitched vs. I Dream of Jeannie vs. Outlander

27:10 Back to calls: Theodore asks about 403(b) options in Burlington

29:10 Don explodes: garbage annuity vendors dominate the plan

31:01 Aspire is the only halfway-decent vendor… if you avoid their advisors

33:54 Don tells how an Albuquerque teacher got Vanguard into their plan

35:44 Aspire hack: use FundSource for no-load mutual funds

36:14 Caller Steve: hold 20 stocks or sell and rebalance?

37:53 Tom: hybrid approach. Don: depends on need. Watch tax bracket
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]]> Don McDonald b2c52ad2-2eb4-11f1-b6ec-0390d5a241ff Wed, 08 Oct 2025 13:08:00 -0400 2404 false Another Quarter Done Another Quarter Done
0:11 Delivery turf wars joke and quarter-end reflections

1:40 Fears vs. reality: inflation, jobs, and trade wars

2:16 Q3 returns: U.S. stocks +8%, EM +9.6%, silver tops, cocoa flops

3:09 What you had to do to earn those returns: be invested, diversified, and ignore noise

5:13 Don scolds investors still avoiding value and international stocks

6:11 Chocolate aside, it’s been a strong year for stocks and bonds

7:42 Promo: Why guessing isn’t a retirement plan

7:51 Don recovers from a cough; Tom lists worst Q3 performers (lean hogs!)

9:13 Listener Chad argues for claiming Social Security early if you can earn 3%

11:08 Don crunches the math: break-even at age 81–82 if invested at 3%

12:57 Survivor benefits and why waiting helps your spouse

13:57 Don jokes about his wife stealing his life force and living to 112

14:54 Vaccine banter and intro to next caller

15:56 Caller Michael from Burien sells a condo, asks where to put $300k

19:07 Don and Tom suggest municipal bonds like VTEB for tax-free yield

20:20 Michael quotes a great retirement planning aphorism

20:29 Shift to ETF inflows and the downfall of mutual funds

29:13 Vanguard’s tax-free conversion model and Dimensional’s exemptive relief

30:49 What this shift means for investors with taxable accounts

31:17 Mutual funds may soon be the next buggy whips

32:22 Listener Connie asks: do you really get back Social Security withheld when working before FRA?

33:14 Tom and Don clarify: benefit adjusted later, but no “refund”

34:37 Caller Susan from Connecticut: what to do with $250k in cash

36:52 Don: You don’t need more products—you need a real financial plan

39:17 Flat-fee plans and how to find a true fiduciary
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]]>
0:11 Delivery turf wars joke and quarter-end reflections

1:40 Fears vs. reality: inflation, jobs, and trade wars

2:16 Q3 returns: U.S. stocks +8%, EM +9.6%, silver tops, cocoa flops

3:09 What you had to do to earn those returns: be invested, diversified, and ignore noise

5:13 Don scolds investors still avoiding value and international stocks

6:11 Chocolate aside, it’s been a strong year for stocks and bonds

7:42 Promo: Why guessing isn’t a retirement plan

7:51 Don recovers from a cough; Tom lists worst Q3 performers (lean hogs!)

9:13 Listener Chad argues for claiming Social Security early if you can earn 3%

11:08 Don crunches the math: break-even at age 81–82 if invested at 3%

12:57 Survivor benefits and why waiting helps your spouse

13:57 Don jokes about his wife stealing his life force and living to 112

14:54 Vaccine banter and intro to next caller

15:56 Caller Michael from Burien sells a condo, asks where to put $300k

19:07 Don and Tom suggest municipal bonds like VTEB for tax-free yield

20:20 Michael quotes a great retirement planning aphorism

20:29 Shift to ETF inflows and the downfall of mutual funds

29:13 Vanguard’s tax-free conversion model and Dimensional’s exemptive relief

30:49 What this shift means for investors with taxable accounts

31:17 Mutual funds may soon be the next buggy whips

32:22 Listener Connie asks: do you really get back Social Security withheld when working before FRA?

33:14 Tom and Don clarify: benefit adjusted later, but no “refund”

34:37 Caller Susan from Connecticut: what to do with $250k in cash

36:52 Don: You don’t need more products—you need a real financial plan

39:17 Flat-fee plans and how to find a true fiduciary
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]]> Don McDonald 2af3e29c-2eb4-11f1-b6ec-5372c237c17e Tue, 07 Oct 2025 13:30:00 -0400 2480 false Just Questions (and Answers) Just Questions (and Answers)
0:04 Cold open: “A show with no topics” banter and weather humor

2:07 Angie from St. Paul: Inheriting farmland — hold or sell?

6:04 Anton from Spokane: Medflation’s impact on Social Security COLA and Medicare premiums

10:45 Jason from Tigard: SPAXX vs. SGOV — which is better for short-term cash?

13:35 Ameriprise client: Should I use an SMA or fire my advisor?

18:41 Luke from Evans, GA: ETF turnover and what it really means

23:25 Tribute to Jonathan Clements — his life, legacy, and impact on index investing

27:10 Personal reflections, audience appreciation, and gratitude from Tom
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]]>
0:04 Cold open: “A show with no topics” banter and weather humor

2:07 Angie from St. Paul: Inheriting farmland — hold or sell?

6:04 Anton from Spokane: Medflation’s impact on Social Security COLA and Medicare premiums

10:45 Jason from Tigard: SPAXX vs. SGOV — which is better for short-term cash?

13:35 Ameriprise client: Should I use an SMA or fire my advisor?

18:41 Luke from Evans, GA: ETF turnover and what it really means

23:25 Tribute to Jonathan Clements — his life, legacy, and impact on index investing

27:10 Personal reflections, audience appreciation, and gratitude from Tom
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]]> Don McDonald 8c746ad2-2eb4-11f1-b6ec-0f4823f9df94 Mon, 06 Oct 2025 12:44:00 -0400 1866 false Copious Questions Copious Questions
0:04 Friday Q&A intro and listener surge in questions

2:18 Jackpot in two small-cap stocks at age 70—should he sell?

6:28 42-year-old with uncertain job security and $850k retirement + $518k taxable—structuring allocations for early retirement

11:28 Roth vs. taxable brokerage contributions for flexibility before 59½

15:13 Clarifying 59½ rule—date vs. year of eligibility

17:11 Buffered ETFs explained and why they’re just Wall Street gimmicks

21:53 Rule of thumb for first-time homebuyers: mortgage % of income, 15 vs. 30-year terms, and why homes aren’t great investments
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0:04 Friday Q&A intro and listener surge in questions

2:18 Jackpot in two small-cap stocks at age 70—should he sell?

6:28 42-year-old with uncertain job security and $850k retirement + $518k taxable—structuring allocations for early retirement

11:28 Roth vs. taxable brokerage contributions for flexibility before 59½

15:13 Clarifying 59½ rule—date vs. year of eligibility

17:11 Buffered ETFs explained and why they’re just Wall Street gimmicks

21:53 Rule of thumb for first-time homebuyers: mortgage % of income, 15 vs. 30-year terms, and why homes aren’t great investments
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]]> Don McDonald aec5d35a-2eb4-11f1-b6ec-0b8d9ecea978 Fri, 03 Oct 2025 13:50:00 -0400 1780 false A Miracle Plan A Miracle Plan
0:04 How confident Americans are about retirement security

1:37 “It would take a miracle” vs. “You need a plan”

2:37 The value of professional reviews and planning tools

3:52 No perfect time to retire, recency bias, and government as your “partner”

5:08 Retirement timing compared to parenthood decisions

6:06 The limits of Social Security and lifestyle realities

7:18 Adapting by working longer, delaying Social Security, or reducing expenses

8:25 Cutting wants, working part-time, or considering home equity solutions

9:23 Reverse mortgages and staged retirement strategies

10:03 Purpose, social life, and health in retirement

11:25 Listener question: international ETF with a 30%+ return (AVDV up 38% YTD)

13:02 Why diversification matters for capturing those “30 percenters”

13:22 Listener question: 529 rollovers to Roth IRAs and beneficiary changes

16:21 Listener case study: RN nearing retirement, Facet vs. Northwestern Mutual

18:07 Facet’s flat annual fee structure compared to traditional AUM fees

20:54 The pitfalls of Northwestern Mutual’s high fees and insurance roots

23:34 When to hire a fiduciary and why $1.5M+ means it’s time

25:30 Advisor costs vs. DIY investing, plus an extended “haircut analogy”

27:13 Shout-out to AI-generated Talking Real Money show art
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0:04 How confident Americans are about retirement security

1:37 “It would take a miracle” vs. “You need a plan”

2:37 The value of professional reviews and planning tools

3:52 No perfect time to retire, recency bias, and government as your “partner”

5:08 Retirement timing compared to parenthood decisions

6:06 The limits of Social Security and lifestyle realities

7:18 Adapting by working longer, delaying Social Security, or reducing expenses

8:25 Cutting wants, working part-time, or considering home equity solutions

9:23 Reverse mortgages and staged retirement strategies

10:03 Purpose, social life, and health in retirement

11:25 Listener question: international ETF with a 30%+ return (AVDV up 38% YTD)

13:02 Why diversification matters for capturing those “30 percenters”

13:22 Listener question: 529 rollovers to Roth IRAs and beneficiary changes

16:21 Listener case study: RN nearing retirement, Facet vs. Northwestern Mutual

18:07 Facet’s flat annual fee structure compared to traditional AUM fees

20:54 The pitfalls of Northwestern Mutual’s high fees and insurance roots

23:34 When to hire a fiduciary and why $1.5M+ means it’s time

25:30 Advisor costs vs. DIY investing, plus an extended “haircut analogy”

27:13 Shout-out to AI-generated Talking Real Money show art
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]]> Don McDonald 28377636-2eb4-11f1-b6ec-c31d7bd70ce2 Thu, 02 Oct 2025 11:09:00 -0400 1815 false Behavior Prompting Behavior Prompting
0:10 Don’s dramatic AI apocalypse intro and Vanguard “nudges”

1:20 Squarespace rant: how customer service died

4:13 Vanguard limiting fund lists—bias toward active funds?

6:22 AI is coming for investing advice

6:35 Listener call: $800K household, cheap mortgage, “living life” vs upgrading home

10:22 House affordability rules: 25–30% PITI, low-rate lock-in dilemma

12:19 Call from Jim in Bellevue: QQQI high-yield ETF

13:44 Why covered call income funds are risky, volatile, and gimmicky

17:41 Tech focus, March 2000 parallels, why diversification beats chasing yield

19:29 Covered call strategies—why they lose upside and add complexity

22:50 Listener email from Shauna: which Utah 529 portfolio to pick

24:36 Best choice = age-based glide path, simplicity and cost advantages

26:13 Follow-up caller: Roth IRAs for kids, risk of inflated wages and IRS scrutiny

29:24 Who checks wages? IRS shutdown jokes, K-1 confusions, AI tax analysis fail
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0:10 Don’s dramatic AI apocalypse intro and Vanguard “nudges”

1:20 Squarespace rant: how customer service died

4:13 Vanguard limiting fund lists—bias toward active funds?

6:22 AI is coming for investing advice

6:35 Listener call: $800K household, cheap mortgage, “living life” vs upgrading home

10:22 House affordability rules: 25–30% PITI, low-rate lock-in dilemma

12:19 Call from Jim in Bellevue: QQQI high-yield ETF

13:44 Why covered call income funds are risky, volatile, and gimmicky

17:41 Tech focus, March 2000 parallels, why diversification beats chasing yield

19:29 Covered call strategies—why they lose upside and add complexity

22:50 Listener email from Shauna: which Utah 529 portfolio to pick

24:36 Best choice = age-based glide path, simplicity and cost advantages

26:13 Follow-up caller: Roth IRAs for kids, risk of inflated wages and IRS scrutiny

29:24 Who checks wages? IRS shutdown jokes, K-1 confusions, AI tax analysis fail
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]]> Don McDonald 806da208-2eb4-11f1-b6ec-8f4e598ce5da Wed, 01 Oct 2025 14:57:00 -0400 2047 false Clements' Consistent Counsel Clements' Consistent Counsel
1:04 Remembering Jonathan Clements and his influence

2:59 Pearl #1: Make and save money early, passion can wait

3:54 Pearl #2: Winning isn’t everything—avoiding losers matters most

5:05 Pearl #3: The tax code rewards patience and savers

5:50 Pearl #4: Don’t just stand there, do something (in life, not trading)

7:37 Reflection on his loss and the scarcity of sensible money voices

9:34 Critiquing Kiplinger article and annuity sales cloaked as fiduciary advice

11:44 Pearl #5: Humans are built to strive, not sit idle—retirement requires purpose

12:40 Preview of rising early-retirement questions in upcoming Q&A show

13:22 Vacation banter, Disney’s Aulani resort, and “surfing together” joke

14:13 Back to annuity sales, fiduciary mask problem, and misleading disclosures

17:39 Listener email anticipating annuity criticism—prediction fulfilled

18:12 Listener call: pushback on jargon, “basis points vs. bips” debate

20:13 Listener call: bond ETF BINC—why it’s loaded with junk and risky

25:22 Explaining Roth-only 401(k) catch-ups starting 2026 for $145k+ earners

27:22 Listener call: ETF vs. mutual fund conversions, Vanguard’s patent, Fidelity status

31:29 Listener call: couple with $1.6M in cash, wife afraid of investing

35:36 Don and Tom’s advice: show need via a financial plan, start with small stock exposure

35:59 Listener call from Italy: CDs, interest rates, and laddering vs. penalties
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]]>
1:04 Remembering Jonathan Clements and his influence

2:59 Pearl #1: Make and save money early, passion can wait

3:54 Pearl #2: Winning isn’t everything—avoiding losers matters most

5:05 Pearl #3: The tax code rewards patience and savers

5:50 Pearl #4: Don’t just stand there, do something (in life, not trading)

7:37 Reflection on his loss and the scarcity of sensible money voices

9:34 Critiquing Kiplinger article and annuity sales cloaked as fiduciary advice

11:44 Pearl #5: Humans are built to strive, not sit idle—retirement requires purpose

12:40 Preview of rising early-retirement questions in upcoming Q&A show

13:22 Vacation banter, Disney’s Aulani resort, and “surfing together” joke

14:13 Back to annuity sales, fiduciary mask problem, and misleading disclosures

17:39 Listener email anticipating annuity criticism—prediction fulfilled

18:12 Listener call: pushback on jargon, “basis points vs. bips” debate

20:13 Listener call: bond ETF BINC—why it’s loaded with junk and risky

25:22 Explaining Roth-only 401(k) catch-ups starting 2026 for $145k+ earners

27:22 Listener call: ETF vs. mutual fund conversions, Vanguard’s patent, Fidelity status

31:29 Listener call: couple with $1.6M in cash, wife afraid of investing

35:36 Don and Tom’s advice: show need via a financial plan, start with small stock exposure

35:59 Listener call from Italy: CDs, interest rates, and laddering vs. penalties
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]]> Don McDonald 9b561fc8-2eb4-11f1-b6ec-87b478bfe313 Tue, 30 Sep 2025 12:58:00 -0400 2463 false ETF Showdown ETF Showdown
0:04 Middle-dweller banter and show open

0:54 Why ETFs replaced mutual funds as the easy route

1:23 The “big three” global ETFs: VT, AVGE, DFAW

2:34 Which is “better”? Spoiler: none—or all

2:56 Diversification: DFAW 13,700 stocks vs VT’s 10,000

4:00 Expense ratios: Vanguard’s cost advantage

4:32 Risk/return projections and why they’re guesses

6:22 Microcaps explain much of the differences

7:55 Why small/value stocks historically outperform

8:55 Style box breakdown: small vs large allocations

9:45 U.S. vs international exposure: “pandering portfolios”

10:57 Tech vs financials: sector allocations diverge

12:09 Recent performance snapshots, short vs long term

13:34 Index (VT), Factor (DFAW), Rules-based tilt (AVGE)

15:25 Long-term results: Avantis beats Vanguard despite higher fee

16:15 Risk/return symmetry: you could make a lot, lose a lot

16:45 Listener Q&A: $2B Powerball jackpot—lump sum or annuity?

18:01 Publishers Clearinghouse collapse leaves winners unpaid

21:07 Listener Q&A: Ameriprise SMA fees and pitfalls

23:48 Why Ameriprise’s “nice” advisors are still costly
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]]>
0:04 Middle-dweller banter and show open

0:54 Why ETFs replaced mutual funds as the easy route

1:23 The “big three” global ETFs: VT, AVGE, DFAW

2:34 Which is “better”? Spoiler: none—or all

2:56 Diversification: DFAW 13,700 stocks vs VT’s 10,000

4:00 Expense ratios: Vanguard’s cost advantage

4:32 Risk/return projections and why they’re guesses

6:22 Microcaps explain much of the differences

7:55 Why small/value stocks historically outperform

8:55 Style box breakdown: small vs large allocations

9:45 U.S. vs international exposure: “pandering portfolios”

10:57 Tech vs financials: sector allocations diverge

12:09 Recent performance snapshots, short vs long term

13:34 Index (VT), Factor (DFAW), Rules-based tilt (AVGE)

15:25 Long-term results: Avantis beats Vanguard despite higher fee

16:15 Risk/return symmetry: you could make a lot, lose a lot

16:45 Listener Q&A: $2B Powerball jackpot—lump sum or annuity?

18:01 Publishers Clearinghouse collapse leaves winners unpaid

21:07 Listener Q&A: Ameriprise SMA fees and pitfalls

23:48 Why Ameriprise’s “nice” advisors are still costly
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]]> Don McDonald a2c7d170-2eb4-11f1-b6ec-63f91a9363a9 Mon, 29 Sep 2025 12:48:00 -0400 1660 false Questions and Critiques Questions and Critiques
0:04 Intro, gratitude for enough listener questions to fill a show

1:20 Why Don won’t recommend any book on options trading

3:29 Caller defends Dave Ramsey and critiques Don & Tom’s take

5:55 Don responds, clarifies criticisms, and acknowledges Ramsey’s positive impact

8:00 Portfolio question from Andy: building a 60/40 with a value tilt

11:14 Flat fee vs. AUM advisors—when each makes sense

13:41 Bond question: Fidelity vs. Vanguard total bond funds, and role of international bonds

17:27 Don on thick skin as a talk show host and why critique is welcome
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]]>
0:04 Intro, gratitude for enough listener questions to fill a show

1:20 Why Don won’t recommend any book on options trading

3:29 Caller defends Dave Ramsey and critiques Don & Tom’s take

5:55 Don responds, clarifies criticisms, and acknowledges Ramsey’s positive impact

8:00 Portfolio question from Andy: building a 60/40 with a value tilt

11:14 Flat fee vs. AUM advisors—when each makes sense

13:41 Bond question: Fidelity vs. Vanguard total bond funds, and role of international bonds

17:27 Don on thick skin as a talk show host and why critique is welcome
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]]> Don McDonald 843398a2-2eb4-11f1-b6ec-db1d65252c4a Fri, 26 Sep 2025 12:04:00 -0400 1307 false Gold vs. Reality Gold vs. Reality

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]]> Don McDonald 847b7744-2eb4-11f1-b6ec-bb525ddec9c1 Thu, 25 Sep 2025 14:43:00 -0400 1595 false Caller Danger Caller Danger
1:07 New iPhone feature screens unknown callers

1:58 Scam calls and “scam du jour” routine

3:05 NYT crime reporter nearly falls for Chase/Zelle spoofing scam

6:23 Why scams work when people let their guard down

7:00 Don’t trust caller ID, best practices for bank contacts

8:24 Zelle vs. Venmo debate and practical use cases

9:34 Caller correction on Rule 55 vs. 72Q/72T

10:58 Listener Brian on TSP allocation and AVUV tilt

13:07 Tom’s buffer/puffer joke flop

13:44 Advice on blocking spoofed numbers and safer verification

15:00 Segue into consumer issues beyond investing

16:06 History of Florida’s heat and AC dependency

16:43 Air conditioning repair and wild $11k vs. $4.7k quotes

19:22 Tom’s ongoing heat pump saga

21:10 Bob Cratchit fireplace joke

21:14 Listener Q&A from Nibley, Utah about Smart Lab “AI trading” scheme

24:28 What Smart Lab claims to do (AI sports betting + trading)

26:23 Company origins in Malta, Seychelles, now Ho Chi Minh City

27:57 Ponzi-like structure and risks with crypto-based platforms

29:16 Closing advice: don’t nibble on Smart Lab

29:27 Caller John on fiduciary standards and insurance sales

32:28 Exposure of “Certified Financial Fiduciary” designations and insurance sales tactics

34:46 Caller Rajiv on structured notes vs. buffer ETFs

36:02 Simplicity of balanced portfolios over complex gimmicks
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]]>
1:07 New iPhone feature screens unknown callers

1:58 Scam calls and “scam du jour” routine

3:05 NYT crime reporter nearly falls for Chase/Zelle spoofing scam

6:23 Why scams work when people let their guard down

7:00 Don’t trust caller ID, best practices for bank contacts

8:24 Zelle vs. Venmo debate and practical use cases

9:34 Caller correction on Rule 55 vs. 72Q/72T

10:58 Listener Brian on TSP allocation and AVUV tilt

13:07 Tom’s buffer/puffer joke flop

13:44 Advice on blocking spoofed numbers and safer verification

15:00 Segue into consumer issues beyond investing

16:06 History of Florida’s heat and AC dependency

16:43 Air conditioning repair and wild $11k vs. $4.7k quotes

19:22 Tom’s ongoing heat pump saga

21:10 Bob Cratchit fireplace joke

21:14 Listener Q&A from Nibley, Utah about Smart Lab “AI trading” scheme

24:28 What Smart Lab claims to do (AI sports betting + trading)

26:23 Company origins in Malta, Seychelles, now Ho Chi Minh City

27:57 Ponzi-like structure and risks with crypto-based platforms

29:16 Closing advice: don’t nibble on Smart Lab

29:27 Caller John on fiduciary standards and insurance sales

32:28 Exposure of “Certified Financial Fiduciary” designations and insurance sales tactics

34:46 Caller Rajiv on structured notes vs. buffer ETFs

36:02 Simplicity of balanced portfolios over complex gimmicks
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]]> Don McDonald c696ad92-2eb4-11f1-b6ec-2356ecf34509 Wed, 24 Sep 2025 15:11:00 -0400 2345 false Invest or Drink? Invest or Drink?
0:04 Old-fashioned call-in intro and Fed rate cut discussion

1:33 Myths about Fed decisions and mortgage/consumer loan rates

3:21 Treasury yields, market reactions, and rate expectations through 2026

6:16 Why markets often anticipate rate changes in advance

7:40 Transition into alternatives and “exciting” investments

9:03 Wine as an investment: storage, insurance, dealer costs

10:38 Average returns vs. net after-cost reality (bonds beat wine)

12:46 Stocks and bonds outperform—“invest in markets, drink the wine”

14:08 Constellation Brands stock history as a volatility case study

17:37 Altria (tobacco) stock comparison and “sin stock” volatility lesson

20:16 Small percentage of individual stocks outperform T-bills (Bessembinder research)

21:39 Listener: Asset location strategy (taxable, Roth, HSA)

24:58 ETFs changing the asset location conversation

27:10 Treatment of HSAs as Roth-like for medical use vs. IRA-like otherwise

28:42 Listener: Buffer funds (“boomer candy”) and why they’re costly gimmicks

32:54 Reminder that many investors panic out of markets at the worst times

33:42 Listener: Emergency fund and avoiding 1099s (spoiler: you can’t)

34:58 Listener: Evaluating fiduciary firm Prairie View Partners (merged with Savant)
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]]>
0:04 Old-fashioned call-in intro and Fed rate cut discussion

1:33 Myths about Fed decisions and mortgage/consumer loan rates

3:21 Treasury yields, market reactions, and rate expectations through 2026

6:16 Why markets often anticipate rate changes in advance

7:40 Transition into alternatives and “exciting” investments

9:03 Wine as an investment: storage, insurance, dealer costs

10:38 Average returns vs. net after-cost reality (bonds beat wine)

12:46 Stocks and bonds outperform—“invest in markets, drink the wine”

14:08 Constellation Brands stock history as a volatility case study

17:37 Altria (tobacco) stock comparison and “sin stock” volatility lesson

20:16 Small percentage of individual stocks outperform T-bills (Bessembinder research)

21:39 Listener: Asset location strategy (taxable, Roth, HSA)

24:58 ETFs changing the asset location conversation

27:10 Treatment of HSAs as Roth-like for medical use vs. IRA-like otherwise

28:42 Listener: Buffer funds (“boomer candy”) and why they’re costly gimmicks

32:54 Reminder that many investors panic out of markets at the worst times

33:42 Listener: Emergency fund and avoiding 1099s (spoiler: you can’t)

34:58 Listener: Evaluating fiduciary firm Prairie View Partners (merged with Savant)
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]]> Don McDonald 789d2062-2eb4-11f1-b6ec-07f6e1957ba4 Tue, 23 Sep 2025 11:00:00 -0400 2408 false House=Home House=Home
0:26 The myth of the American Dream and why owning may not make sense

1:33 A buyer’s remorse story from Atlanta

2:35 $3,000/month to own vs. $1,200/month to rent

3:34 Hidden expenses: $13,000 sewer connection surprise

4:31 “I can’t sell my house” = “I won’t lower the price”

5:35 Housing returns: even hot markets underperform stocks

6:19 Divorcees sharing homes to keep a 2% mortgage

7:35 Why paying off a low-rate mortgage often makes no sense

8:45 Don and Tom both bought homes for lifestyle, not wealth

10:13 Florida: where houses go to die (and get re-roofed)

11:33 Owning a home is not a prerequisite for wealth

12:48 How to send voice questions (seriously, do it)

14:18 Listener Q: 401(k) with limited options—how to balance Roth IRA

15:25 Fund strategy: AVUV and AVDV combo

16:44 Listener Q: Why not mention charitable remainder trusts?

17:27 Listener Q: Are flat-fee advisors better than AUM?

19:00 Hourly advisor costs and why they seem high

20:35 Outro: Tell a friend, save them from financial doom
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]]>
0:26 The myth of the American Dream and why owning may not make sense

1:33 A buyer’s remorse story from Atlanta

2:35 $3,000/month to own vs. $1,200/month to rent

3:34 Hidden expenses: $13,000 sewer connection surprise

4:31 “I can’t sell my house” = “I won’t lower the price”

5:35 Housing returns: even hot markets underperform stocks

6:19 Divorcees sharing homes to keep a 2% mortgage

7:35 Why paying off a low-rate mortgage often makes no sense

8:45 Don and Tom both bought homes for lifestyle, not wealth

10:13 Florida: where houses go to die (and get re-roofed)

11:33 Owning a home is not a prerequisite for wealth

12:48 How to send voice questions (seriously, do it)

14:18 Listener Q: 401(k) with limited options—how to balance Roth IRA

15:25 Fund strategy: AVUV and AVDV combo

16:44 Listener Q: Why not mention charitable remainder trusts?

17:27 Listener Q: Are flat-fee advisors better than AUM?

19:00 Hourly advisor costs and why they seem high

20:35 Outro: Tell a friend, save them from financial doom
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]]> Don McDonald 8038fb34-2eb4-11f1-b6ec-abe80d4a21ab Mon, 22 Sep 2025 12:00:00 -0400 1460 false More Qs Needed More Qs Needed
0:09 Don bemoans typed questions and encourages listeners to use voice submission

2:16 Listener asks about lump-sum pension vs. annuity — Don leans strongly toward annuity

6:05 Listener asks about rolling over a 401(k) to an IRA and whether to keep contributing — Don favors consolidation and continued saving

9:00 Caller criticizes jargon like “basis points” — Don defends term as shorthand but explains its meaning

12:04 Caller compares stocks to crypto — Don explains why diversified global stocks are investing, not speculation
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0:09 Don bemoans typed questions and encourages listeners to use voice submission

2:16 Listener asks about lump-sum pension vs. annuity — Don leans strongly toward annuity

6:05 Listener asks about rolling over a 401(k) to an IRA and whether to keep contributing — Don favors consolidation and continued saving

9:00 Caller criticizes jargon like “basis points” — Don defends term as shorthand but explains its meaning

12:04 Caller compares stocks to crypto — Don explains why diversified global stocks are investing, not speculation
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]]> Don McDonald 29030648-2eb4-11f1-b6ec-3b36d00056bc Fri, 19 Sep 2025 12:40:00 -0400 1274 false Are You Really Broke? Are You Really Broke?
0:29 Comparing TRM listeners to Ramsey and Kiyosaki audiences

1:37 Median savings for over-65 Americans and why $200k still isn’t enough

2:42 Yahoo/Marist survey results: affordability, debt, emergency savings

3:50 One in three say finances worsened; generational breakdown

4:51 Explaining net worth, what to include and exclude

7:01 Tracking net worth annually as a financial benchmark

8:00 Divorce, net worth, and the joke about “kill them off”

9:50 Income gap, gender differences, and perception vs. reality

10:34 How uncertainty and fear shape financial outlooks

11:41 Producer note joke about being “sexist but not leftist”

11:50 Dissatisfaction with savings and personal spending habits

13:06 Fixing bad finances: literacy, automation, benchmarking

17:20 Don argues perception matters more than reality for many

18:20 Listener question: fixed index annuity as bond substitute

19:46 Caps, participation rates, and underperformance vs. markets

21:10 Tax treatment of annuities vs. ETFs

22:55 Importance of advice near retirement (decumulation phase)

23:44 Listener shares bad LTC/annuity sales pitch experience

24:54 Fixed annuity guarantees vs. CDs and government bonds

25:39 Listener defends Rick Edelman, suggests an open dialogue

26:52 Don’s critique of Edelman’s shift toward sensationalism

29:29 Eugene Fama’s comments on Bitcoin, clash with Edelman’s stance

31:23 Public criticism is fair game—reading recent Apple Podcast reviews

32:48 Bitcoin adoption debate and institutional incentives
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]]>
0:29 Comparing TRM listeners to Ramsey and Kiyosaki audiences

1:37 Median savings for over-65 Americans and why $200k still isn’t enough

2:42 Yahoo/Marist survey results: affordability, debt, emergency savings

3:50 One in three say finances worsened; generational breakdown

4:51 Explaining net worth, what to include and exclude

7:01 Tracking net worth annually as a financial benchmark

8:00 Divorce, net worth, and the joke about “kill them off”

9:50 Income gap, gender differences, and perception vs. reality

10:34 How uncertainty and fear shape financial outlooks

11:41 Producer note joke about being “sexist but not leftist”

11:50 Dissatisfaction with savings and personal spending habits

13:06 Fixing bad finances: literacy, automation, benchmarking

17:20 Don argues perception matters more than reality for many

18:20 Listener question: fixed index annuity as bond substitute

19:46 Caps, participation rates, and underperformance vs. markets

21:10 Tax treatment of annuities vs. ETFs

22:55 Importance of advice near retirement (decumulation phase)

23:44 Listener shares bad LTC/annuity sales pitch experience

24:54 Fixed annuity guarantees vs. CDs and government bonds

25:39 Listener defends Rick Edelman, suggests an open dialogue

26:52 Don’s critique of Edelman’s shift toward sensationalism

29:29 Eugene Fama’s comments on Bitcoin, clash with Edelman’s stance

31:23 Public criticism is fair game—reading recent Apple Podcast reviews

32:48 Bitcoin adoption debate and institutional incentives
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]]> Don McDonald cf2fda0a-2eb4-11f1-b6ec-a7ad21fb4929 Thu, 18 Sep 2025 13:51:00 -0400 2158 false It IS Gambling It IS Gambling
0:04 Don jokes about ChatGPT replacing him, welcomes listeners

1:53 Today’s topic: 30% of new ETFs are tied to single stocks — “this is gambling”

4:27 Zero-day options and high-frequency trading likened to sports betting

5:23 Congressman Ro Khanna’s 2,800 trades this year — four per market day

6:12 Don’s call to stop pretending this is investing

8:16 Caller Mike: 3 kids with $100k+ Roths each — aggressive allocation recommendations (AVUV, AVGE, DFAW, 100% equity)

12:24 International weighting debate — Don likes 60/40 global tilt

15:34 Caller Dan from Israel: How to confirm if an advisor is a fiduciary; why inheriting stocks isn’t a reason to keep them

18:08 Transitioning from stocks to ETFs while minimizing capital gains

22:23 Caller Laura: Ethical concerns with J.P. Morgan, fees near 1%, annuities in portfolio — Don urges finding a true fiduciary and offers local resources

27:07 Caller Jim: New ETF (TOT) promising tax efficiency — Don warns against chasing “magic tricks” for small benefits

31:44 Question about swapping gains between mother/son’s VTI shares — IRS won’t allow

33:47 Kath reads listener question: Three-bucket retirement system, comparing iShares GLOF vs AVGE — Don says it’s fine, but may be overcomplicating

35:34 Rebalancing frequency discussion — annual is enough for most
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0:04 Don jokes about ChatGPT replacing him, welcomes listeners

1:53 Today’s topic: 30% of new ETFs are tied to single stocks — “this is gambling”

4:27 Zero-day options and high-frequency trading likened to sports betting

5:23 Congressman Ro Khanna’s 2,800 trades this year — four per market day

6:12 Don’s call to stop pretending this is investing

8:16 Caller Mike: 3 kids with $100k+ Roths each — aggressive allocation recommendations (AVUV, AVGE, DFAW, 100% equity)

12:24 International weighting debate — Don likes 60/40 global tilt

15:34 Caller Dan from Israel: How to confirm if an advisor is a fiduciary; why inheriting stocks isn’t a reason to keep them

18:08 Transitioning from stocks to ETFs while minimizing capital gains

22:23 Caller Laura: Ethical concerns with J.P. Morgan, fees near 1%, annuities in portfolio — Don urges finding a true fiduciary and offers local resources

27:07 Caller Jim: New ETF (TOT) promising tax efficiency — Don warns against chasing “magic tricks” for small benefits

31:44 Question about swapping gains between mother/son’s VTI shares — IRS won’t allow

33:47 Kath reads listener question: Three-bucket retirement system, comparing iShares GLOF vs AVGE — Don says it’s fine, but may be overcomplicating

35:34 Rebalancing frequency discussion — annual is enough for most
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]]> Don McDonald 89bbb872-2eb4-11f1-b6ec-8fff30a62a37 Wed, 17 Sep 2025 13:42:00 -0400 2352 false AI Advice AI Advice
1:02 NYT & Yahoo reports on AI financial advice

1:53 Cath GPT joins live, discusses safe AI uses

3:58 Privacy concerns and data recency limits

6:22 Why AI is bad for stock trading advice

6:50 Don confirms Cath recommends index investing

8:14 Warning about sycophancy — always ask for sources

8:38 Caller Josh: pivoting from commercial property to stock market

10:32 Don: planning first, lump sum > DCA

13:23 Caller Greg: inherited assets, Roth conversions, AVGE timeframe, bond/CD ladders

17:20 Don urges no market timing on conversions

22:50 Caller Brian: small-cap value, AVUV vs. Russell 2000, Merriman strategy

28:07 Don: simplify, AVUV fine but optional

29:43 Caller Jason: harvesting gains in low-income year, Don urges diversification

33:03 Caller: backdoor Roth timing — lump sum beats DCA

34:35 Don jokes about October crashes

37:59 Caller Tim: best annuity is SPIA, avoids “legacy funds”
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1:02 NYT & Yahoo reports on AI financial advice

1:53 Cath GPT joins live, discusses safe AI uses

3:58 Privacy concerns and data recency limits

6:22 Why AI is bad for stock trading advice

6:50 Don confirms Cath recommends index investing

8:14 Warning about sycophancy — always ask for sources

8:38 Caller Josh: pivoting from commercial property to stock market

10:32 Don: planning first, lump sum > DCA

13:23 Caller Greg: inherited assets, Roth conversions, AVGE timeframe, bond/CD ladders

17:20 Don urges no market timing on conversions

22:50 Caller Brian: small-cap value, AVUV vs. Russell 2000, Merriman strategy

28:07 Don: simplify, AVUV fine but optional

29:43 Caller Jason: harvesting gains in low-income year, Don urges diversification

33:03 Caller: backdoor Roth timing — lump sum beats DCA

34:35 Don jokes about October crashes

37:59 Caller Tim: best annuity is SPIA, avoids “legacy funds”
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]]> Don McDonald 95b7d1f6-2eb4-11f1-b6ec-bf38a2c93863 Tue, 16 Sep 2025 12:30:00 -0400 2399 false Dizzying Heights? Dizzying Heights?
0:04 Opening from the market “peak” and climbing metaphor

1:38 Market valuation discussion: P/E ratios, concentration in top 10 stocks

3:21 Surge in retail trading, meme stocks, margin debt, Robinhood sentiment

5:13 Economic uncertainty and why market timing doesn’t work

6:11 Staying with your plan and portfolio diversification

7:15 Risks of U.S. large-cap concentration in typical portfolios

8:03 The need to include small-cap, value, and international stocks

9:14 Eugene Fama’s “trading is like soap” warning and why trading destroys wealth

10:46 Practical advice: stop trying to outsmart the market, build a plan

13:22 Listener Q1: 18-year-old’s portfolio—too much large-cap, not enough international or small value

16:15 Listener Q2: 30-year-old with $100K—good diversification but needs bonds for risk profile

19:25 Listener Q3: Investwithroots.com analysis—fees, geographic risk, private REIT red flags

24:16 Why public REITs like Vanguard’s VNQ offer better diversification/liquidity
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0:04 Opening from the market “peak” and climbing metaphor

1:38 Market valuation discussion: P/E ratios, concentration in top 10 stocks

3:21 Surge in retail trading, meme stocks, margin debt, Robinhood sentiment

5:13 Economic uncertainty and why market timing doesn’t work

6:11 Staying with your plan and portfolio diversification

7:15 Risks of U.S. large-cap concentration in typical portfolios

8:03 The need to include small-cap, value, and international stocks

9:14 Eugene Fama’s “trading is like soap” warning and why trading destroys wealth

10:46 Practical advice: stop trying to outsmart the market, build a plan

13:22 Listener Q1: 18-year-old’s portfolio—too much large-cap, not enough international or small value

16:15 Listener Q2: 30-year-old with $100K—good diversification but needs bonds for risk profile

19:25 Listener Q3: Investwithroots.com analysis—fees, geographic risk, private REIT red flags

24:16 Why public REITs like Vanguard’s VNQ offer better diversification/liquidity
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]]> Don McDonald aeda5cee-2eb4-11f1-b6ec-732f3ceb002d Mon, 15 Sep 2025 11:50:00 -0400 1930 false A Few Good Qs A Few Good Qs
0:04 Friday Q&A intro and thanks for listener questions

1:19 When to open a taxable brokerage account (AVGE + SGOV mix)

3:28 “More buyers than sellers” — why it’s really about demand vs. supply

6:23 Whether pension + Social Security counts as “fixed income” in a 60/40 plan

10:40 Setting up money market accounts and estate planning for aging parents

14:07 Lifetime HSA strategy — contributions, withdrawals, and allocation glidepath

17:32 Is Appella Advice for Life connected to Talking Real Money?
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0:04 Friday Q&A intro and thanks for listener questions

1:19 When to open a taxable brokerage account (AVGE + SGOV mix)

3:28 “More buyers than sellers” — why it’s really about demand vs. supply

6:23 Whether pension + Social Security counts as “fixed income” in a 60/40 plan

10:40 Setting up money market accounts and estate planning for aging parents

14:07 Lifetime HSA strategy — contributions, withdrawals, and allocation glidepath

17:32 Is Appella Advice for Life connected to Talking Real Money?
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]]> Don McDonald 7b2306ee-2eb4-11f1-b6ec-2fd4493428c5 Fri, 12 Sep 2025 14:49:00 -0400 1335 false Opportunities Overseas Opportunities Overseas
0:04 Should you invest internationally now that foreign markets are rising?

1:29 Morningstar data shows non-U.S. markets doubling U.S. returns in 2025.

2:38 The dollar’s weakness as a key factor in performance.

3:20 Mexico, Brazil, Japan, and China’s strong year — but should you chase it?

4:02 Market leadership cycles: U.S. vs. international across decades.

4:50 The “1990 Japan” cautionary tale: why timing single markets can disappoint.

6:17 Concentration risk, emerging markets, and why you need global diversification.

7:33 Exposure to global companies you can’t get by owning U.S.-only funds.

8:42 Dimensional’s chart shows no country wins every year — own them all.

9:40 Addressing the John Bogle “you already own international through U.S. firms” argument.

10:21 Nestlé example: why local economy exposure matters.

12:45 Listener Greg challenges Don’s California tax comment — clarification given.

13:45 State tax comparisons, why there’s no perfect tax haven.

14:41 New York vs. California tax burdens — where it’s worst.

15:30 Listener Tim asks about long-term return periods — Don points to IFA data.

17:40 1,700+ episodes milestone and show longevity banter.

18:30 Listener Jeff’s complex retirement accounts and Rule of 55 rollover question.

19:09 Discussion of retiring abroad and health care concerns in Guatemala.

22:20 U.S. health care spending vs. Guatemala — a sobering gap.

23:39 Gallows humor about quick death and end-of-life planning.
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]]>
0:04 Should you invest internationally now that foreign markets are rising?

1:29 Morningstar data shows non-U.S. markets doubling U.S. returns in 2025.

2:38 The dollar’s weakness as a key factor in performance.

3:20 Mexico, Brazil, Japan, and China’s strong year — but should you chase it?

4:02 Market leadership cycles: U.S. vs. international across decades.

4:50 The “1990 Japan” cautionary tale: why timing single markets can disappoint.

6:17 Concentration risk, emerging markets, and why you need global diversification.

7:33 Exposure to global companies you can’t get by owning U.S.-only funds.

8:42 Dimensional’s chart shows no country wins every year — own them all.

9:40 Addressing the John Bogle “you already own international through U.S. firms” argument.

10:21 Nestlé example: why local economy exposure matters.

12:45 Listener Greg challenges Don’s California tax comment — clarification given.

13:45 State tax comparisons, why there’s no perfect tax haven.

14:41 New York vs. California tax burdens — where it’s worst.

15:30 Listener Tim asks about long-term return periods — Don points to IFA data.

17:40 1,700+ episodes milestone and show longevity banter.

18:30 Listener Jeff’s complex retirement accounts and Rule of 55 rollover question.

19:09 Discussion of retiring abroad and health care concerns in Guatemala.

22:20 U.S. health care spending vs. Guatemala — a sobering gap.

23:39 Gallows humor about quick death and end-of-life planning.
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]]> Don McDonald 44803954-2eb4-11f1-b6ec-b77b4f00ff03 Thu, 11 Sep 2025 14:21:00 -0400 1562 false Why So Mean? Why So Mean?
0:04 Who’s #1 in investing podcasts? Spoiler: It’s not Don and Tom—it’s still Ramsey

1:18 Financial shaming, bullying, and the “toxic” tone of the Ramsey Show

2:22 The lost LinkedIn post that called out Ramsey culture

3:49 Should shame ever be part of financial advice? (They say no)

5:05 How Talking Real Money tries to educate—not humiliate

7:04 What should great financial advice sound like? A compassionate take

8:47 Caller Judy (age 72) seeks advice on a $200k inheritance—Tom and Don love her plan

11:51 Municipal bond ETFs (like VTEB) vs. international bonds vs. risk tolerance

13:53 Judy’s journey learning finance solo—Don gets emotional

14:38 Why are podcast rankings volatile? Don suspects cheating again

16:03 Listener question: Should you max both 401(k) and IRA? (Yes, and here’s why)

17:59 Roth > Traditional > Brokerage: A savings priority guide

18:45 Target-date funds vs. S&P 500 returns—why it’s not apples to apples

20:05 Caller Nathan: Getting married, no kids, and thinking of buying a condo

22:56 Warning: Condos are almost always terrible investments

25:44 Real estate reality check—condos lag, freestanding homes rebound better

27:52 Don’s definitive answer: “I would never own a condo”

28:33 Congress and stock trading: 86% of Americans say it should be banned

30:20 Ro Khanna made 3,000+ trades in 2023… and wants to ban stock trading?

31:52 Why Congress shouldn’t trade stocks—and how index funds are the solution

34:24 Ro Khanna’s $103 million in trades and 149 conflicts of interest

36:46 Wrapping up: Condos, curmudgeons, and Central Florida emptiness
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]]>
0:04 Who’s #1 in investing podcasts? Spoiler: It’s not Don and Tom—it’s still Ramsey

1:18 Financial shaming, bullying, and the “toxic” tone of the Ramsey Show

2:22 The lost LinkedIn post that called out Ramsey culture

3:49 Should shame ever be part of financial advice? (They say no)

5:05 How Talking Real Money tries to educate—not humiliate

7:04 What should great financial advice sound like? A compassionate take

8:47 Caller Judy (age 72) seeks advice on a $200k inheritance—Tom and Don love her plan

11:51 Municipal bond ETFs (like VTEB) vs. international bonds vs. risk tolerance

13:53 Judy’s journey learning finance solo—Don gets emotional

14:38 Why are podcast rankings volatile? Don suspects cheating again

16:03 Listener question: Should you max both 401(k) and IRA? (Yes, and here’s why)

17:59 Roth > Traditional > Brokerage: A savings priority guide

18:45 Target-date funds vs. S&P 500 returns—why it’s not apples to apples

20:05 Caller Nathan: Getting married, no kids, and thinking of buying a condo

22:56 Warning: Condos are almost always terrible investments

25:44 Real estate reality check—condos lag, freestanding homes rebound better

27:52 Don’s definitive answer: “I would never own a condo”

28:33 Congress and stock trading: 86% of Americans say it should be banned

30:20 Ro Khanna made 3,000+ trades in 2023… and wants to ban stock trading?

31:52 Why Congress shouldn’t trade stocks—and how index funds are the solution

34:24 Ro Khanna’s $103 million in trades and 149 conflicts of interest

36:46 Wrapping up: Condos, curmudgeons, and Central Florida emptiness
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]]> Don McDonald b0564efc-2eb4-11f1-b6ec-93eb77566b6d Wed, 10 Sep 2025 14:01:00 -0400 2389 false Too Great Expectations Too Great Expectations
0:04 Welcome, fatuousness defined, and realistic investing begins

0:52 Why you shouldn’t expect 15% returns forever—even if you got them

1:52 What Jason Zweig’s long-term data reveals about stock returns

2:51 Bogle warned us not to expect high returns—now what?

4:16 Spending and saving: more important than investing performance

5:08 Don’s “prepaid gains” analogy for future expectations

7:00 Real market returns since 1793—spoiler: they’re not 15%

8:58 Stocks might only beat inflation by 3%—and that’s still a win

9:45 Start saving early: waiting until 50 is a losing game

10:18 How to plan with lower expected returns (realistic scenarios)

11:56 Use expected return to guide your savings rate (3% = save 20%)

13:45 “You weren’t smart. You were lucky.” Now diversify.

15:31 Tom’s wife dreads football season—Don celebrates Chiefs loss

18:42 Listener RMD question: Which ETFs get tapped at Vanguard?

19:29 Bonds are back: fixed income up ~6% this year

20:24 Rebalancing vs. just selling: how to handle RMDs smartly

21:04 Raiders rank #4 in NFL valuations… but why?

24:36 Top NFL team values: Cowboys rule, Cardinals drool

27:27 Arizona sports: low attendance, low valuations

28:59 TSP question: F fund vs. G fund—what to use, when

30:25 Don favors the G fund for simplicity and ballast

31:45 Tom and Don disagree—F fund might return more, but…

32:26 Don’s vegetable-spiked coffee and Justin’s final TSP allocation

34:13 Listener Barbara has multiple annuities—Don and Tom say, “Yikes”

35:47 Why you probably talked to a salesperson, not a fiduciary

37:04 The free Appella consultation is steak-free and no-pressure
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]]>
0:04 Welcome, fatuousness defined, and realistic investing begins

0:52 Why you shouldn’t expect 15% returns forever—even if you got them

1:52 What Jason Zweig’s long-term data reveals about stock returns

2:51 Bogle warned us not to expect high returns—now what?

4:16 Spending and saving: more important than investing performance

5:08 Don’s “prepaid gains” analogy for future expectations

7:00 Real market returns since 1793—spoiler: they’re not 15%

8:58 Stocks might only beat inflation by 3%—and that’s still a win

9:45 Start saving early: waiting until 50 is a losing game

10:18 How to plan with lower expected returns (realistic scenarios)

11:56 Use expected return to guide your savings rate (3% = save 20%)

13:45 “You weren’t smart. You were lucky.” Now diversify.

15:31 Tom’s wife dreads football season—Don celebrates Chiefs loss

18:42 Listener RMD question: Which ETFs get tapped at Vanguard?

19:29 Bonds are back: fixed income up ~6% this year

20:24 Rebalancing vs. just selling: how to handle RMDs smartly

21:04 Raiders rank #4 in NFL valuations… but why?

24:36 Top NFL team values: Cowboys rule, Cardinals drool

27:27 Arizona sports: low attendance, low valuations

28:59 TSP question: F fund vs. G fund—what to use, when

30:25 Don favors the G fund for simplicity and ballast

31:45 Tom and Don disagree—F fund might return more, but…

32:26 Don’s vegetable-spiked coffee and Justin’s final TSP allocation

34:13 Listener Barbara has multiple annuities—Don and Tom say, “Yikes”

35:47 Why you probably talked to a salesperson, not a fiduciary

37:04 The free Appella consultation is steak-free and no-pressure
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]]> Don McDonald 883bc3c0-2eb4-11f1-b6ec-b7cdf8c40bd7 Tue, 09 Sep 2025 13:01:00 -0400 2337 false Extended Child Care Extended Child Care

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]]> Don McDonald 8a2d1fd0-2eb4-11f1-b6ec-239624823538 Mon, 08 Sep 2025 13:39:00 -0400 1594 false Ready for a Few As Ready for a Few As
0:04 Friday intro, royal “we,” and reminder on how to submit questions

1:42 Scott from Louisiana: rolling over a $1M retirement account after layoff

4:07 Scott’s follow-up: using IRA funds to buy real estate

5:42 Caller asks about Vanguard’s new active ETFs and why indexes still win

8:02 Sylvia from Connecticut: comparing Vanguard vs Schwab 2035 target-date funds

11:12 Caller from Colombia: whether to factor a paid-off foreign apartment into portfolio allocation
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]]>
0:04 Friday intro, royal “we,” and reminder on how to submit questions

1:42 Scott from Louisiana: rolling over a $1M retirement account after layoff

4:07 Scott’s follow-up: using IRA funds to buy real estate

5:42 Caller asks about Vanguard’s new active ETFs and why indexes still win

8:02 Sylvia from Connecticut: comparing Vanguard vs Schwab 2035 target-date funds

11:12 Caller from Colombia: whether to factor a paid-off foreign apartment into portfolio allocation
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]]> Don McDonald b2dd0af8-2eb4-11f1-b6ec-174ad9b33dd3 Fri, 05 Sep 2025 12:56:00 -0400 965 false Passive Bubble? Passive Bubble?
0:05 Holiday opener, calls invite, “passive is a bubble?” setup

2:06 Is price discovery “broken” if money flows to index funds?

2:40 Active still >50% of U.S. fund assets; global passive ≈20% AUM

4:22 Morningstar barometer: 42% of active beat in 1-yr… so 58% didn’t

6:36 Long-run stats: 3-yr 17.7%, 5-yr 8.2%, 10-yr 2.5%, 15–20-yr ≈~1% of active beat

8:32 Flows: from 1 in 20 dollars passive (’97) to 1 in 2 today; costs matter

10:58 Caller (Sammamish): data independence, politics, rates, inflation risk; market effects vs reality

16:19 Inbox: TSP update—I Fund now includes EM; still thin on value/small tilts

18:32 Why add small/value (incl. intl); performance pops don’t change the case

22:26 Caller (LTC): traditional vs hybrid; math on premiums, caps, Medicaid backstop

26:37 Basic quote math: ~$1,900/yr at 60 for ~$150k cap; lump-sum hybrids trade-offs

29:10 Caller (Maya, Los Altos): Die With Zero—great if plan covers tail risks; most retirees can’t

34:38 Caller (Americus, GA): Mutual of Omaha pitch; self-insure debate; taxes/deductions misconceptions

38:55 Wrap: how to send questions; where to get advice
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]]>
0:05 Holiday opener, calls invite, “passive is a bubble?” setup

2:06 Is price discovery “broken” if money flows to index funds?

2:40 Active still >50% of U.S. fund assets; global passive ≈20% AUM

4:22 Morningstar barometer: 42% of active beat in 1-yr… so 58% didn’t

6:36 Long-run stats: 3-yr 17.7%, 5-yr 8.2%, 10-yr 2.5%, 15–20-yr ≈~1% of active beat

8:32 Flows: from 1 in 20 dollars passive (’97) to 1 in 2 today; costs matter

10:58 Caller (Sammamish): data independence, politics, rates, inflation risk; market effects vs reality

16:19 Inbox: TSP update—I Fund now includes EM; still thin on value/small tilts

18:32 Why add small/value (incl. intl); performance pops don’t change the case

22:26 Caller (LTC): traditional vs hybrid; math on premiums, caps, Medicaid backstop

26:37 Basic quote math: ~$1,900/yr at 60 for ~$150k cap; lump-sum hybrids trade-offs

29:10 Caller (Maya, Los Altos): Die With Zero—great if plan covers tail risks; most retirees can’t

34:38 Caller (Americus, GA): Mutual of Omaha pitch; self-insure debate; taxes/deductions misconceptions

38:55 Wrap: how to send questions; where to get advice
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]]> Don McDonald b9efc344-2eb4-11f1-b6ec-2f4c8c51f74a Thu, 04 Sep 2025 13:31:00 -0400 2443 false September Nonsense September Nonsense
0:04 Labor Day banter, Florida heat, biblical rains, Asheville trip

2:12 September Effect explained—history and hype

4:41 Why you should know, not do, with your portfolio

6:15 Average September returns since 1928 and investor psychology

8:28 Market timing pitfalls and missing best days

10:28 Costco’s Jim Sinegal quote and life’s sugar vs. manure metaphor

12:29 Bogle wisdom: don’t peek at your portfolio

14:05 Listener correction: senior deduction phase-out details

19:14 Don plugs LitReading’s return with an O. Henry story

20:34 ETF explosion—4,300 funds in U.S., 12,000 worldwide

26:15 How to eliminate bad ETFs (fees, leverage, active management)

29:11 Don tests a new GPS analogy ad for Appella Wealth

31:12 Listener question on state tax burdens (California vs. Washington)

34:05 Call-in about 401(k) funds converting to CITs

37:19 CIT regulations, reporting, and transparency explained

39:39 Apple vs. Spotify podcast listener demographics
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]]>
0:04 Labor Day banter, Florida heat, biblical rains, Asheville trip

2:12 September Effect explained—history and hype

4:41 Why you should know, not do, with your portfolio

6:15 Average September returns since 1928 and investor psychology

8:28 Market timing pitfalls and missing best days

10:28 Costco’s Jim Sinegal quote and life’s sugar vs. manure metaphor

12:29 Bogle wisdom: don’t peek at your portfolio

14:05 Listener correction: senior deduction phase-out details

19:14 Don plugs LitReading’s return with an O. Henry story

20:34 ETF explosion—4,300 funds in U.S., 12,000 worldwide

26:15 How to eliminate bad ETFs (fees, leverage, active management)

29:11 Don tests a new GPS analogy ad for Appella Wealth

31:12 Listener question on state tax burdens (California vs. Washington)

34:05 Call-in about 401(k) funds converting to CITs

37:19 CIT regulations, reporting, and transparency explained

39:39 Apple vs. Spotify podcast listener demographics
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]]> Don McDonald cec023ae-2eb4-11f1-b6ec-bbccd95c07e3 Wed, 03 Sep 2025 16:17:00 -0400 2458 false Q&A&B(onds) Q&A&B(onds)
0:04 Intro and bond returns update (BND, DFIGX, SWSBX)

2:30 Why bonds belong in portfolios despite modest returns

2:47 Mailbag intro with Roxy Butner

3:13 Shelly asks about fixed-allocation vs target-date funds

5:34 Balanced vs LifeStrategy funds and international exposure

7:01 Frank asks about U.S. vs international allocation split

8:23 AVGE, DFAW, and “overthinking” the international percentage

10:39 Decades of U.S. vs international performance

11:15 Angie asks about Ameriprise “CL” fund share classes

13:32 Expense ratios and fiduciary concerns

14:54 Comparing low-cost index alternatives

15:18 Ford asks about hybrid LTC annuity products

17:30 Income planning first vs peeling off money for LTC

18:34 Real-life client experiences with LTC riders

20:33 Policy complexity, surrender decisions, and care costs
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]]>
0:04 Intro and bond returns update (BND, DFIGX, SWSBX)

2:30 Why bonds belong in portfolios despite modest returns

2:47 Mailbag intro with Roxy Butner

3:13 Shelly asks about fixed-allocation vs target-date funds

5:34 Balanced vs LifeStrategy funds and international exposure

7:01 Frank asks about U.S. vs international allocation split

8:23 AVGE, DFAW, and “overthinking” the international percentage

10:39 Decades of U.S. vs international performance

11:15 Angie asks about Ameriprise “CL” fund share classes

13:32 Expense ratios and fiduciary concerns

14:54 Comparing low-cost index alternatives

15:18 Ford asks about hybrid LTC annuity products

17:30 Income planning first vs peeling off money for LTC

18:34 Real-life client experiences with LTC riders

20:33 Policy complexity, surrender decisions, and care costs
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]]> Don McDonald cc2d0364-2eb4-11f1-b6ec-e3ade73a1314 Tue, 02 Sep 2025 14:01:00 -0400 1492 false Query Day Query Day
1:03 How to calculate investment returns (XIRR vs. time-weighted)

4:19 Portfolio allocation: VTI + VT + BND vs. simpler mix

7:10 Custodial UTMA accounts vs. 529s

9:24 AVGE vs. VT: expense ratios, factor tilts, long-term logic

15:06 Frank Vasquez and Risk Parity Radio critique
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1:03 How to calculate investment returns (XIRR vs. time-weighted)

4:19 Portfolio allocation: VTI + VT + BND vs. simpler mix

7:10 Custodial UTMA accounts vs. 529s

9:24 AVGE vs. VT: expense ratios, factor tilts, long-term logic

15:06 Frank Vasquez and Risk Parity Radio critique
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]]> Don McDonald b349580c-2eb4-11f1-b6ec-f32f84a62b15 Fri, 29 Aug 2025 12:06:00 -0400 1227 false Looking Back Looking Back
0:04 Recency bias explained and why it drives poor investment decisions

1:05 Stock allocations hitting record levels in 401(k)s across all age groups

2:48 Risk of higher stock exposure for investors in their 60s

3:33 Target-date funds increasing equity exposure and chasing performance

5:00 Example of an investor going from 60/40 to 90% stocks

7:00 Post-2008 shifts: investors moved into bonds when they should’ve been buying stocks

7:26 Importance of rebalancing twice a year to avoid creeping U.S./large-cap overweight

9:00 Why boring diversification still works long-term

11:26 How to check your target-date fund allocation on Morningstar

12:41 Active vs. index target-date funds: Vanguard vs. T. Rowe/Nuveen

14:03 Listener Q: Fixed immediate annuity trade-offs (“wizards of odds”)

17:49 Why insurers win: payout math vs. life expectancy

18:59 Why Don & Tom dislike most annuities but tolerate immediate annuities in some cases

20:52 DIY alternative: 5% bond/CD ladder vs. annuity payout

21:25 What if you get 6%? Extending sustainable income to 23 years

21:37 Listener Q: Rules for rolling 529 funds into a Roth IRA

23:00 Key 529 limits: 15-year account age, 5-year holding period, $35k lifetime cap

23:14 Listener Q: DIY investing vs. hiring an advisor at 1% AUM

24:22 Why a good advisor’s value is about more than returns—taxes, withdrawals, estate planning

25:42 Vanguard’s Advisor Alpha and why behavior coaching adds value
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]]>
0:04 Recency bias explained and why it drives poor investment decisions

1:05 Stock allocations hitting record levels in 401(k)s across all age groups

2:48 Risk of higher stock exposure for investors in their 60s

3:33 Target-date funds increasing equity exposure and chasing performance

5:00 Example of an investor going from 60/40 to 90% stocks

7:00 Post-2008 shifts: investors moved into bonds when they should’ve been buying stocks

7:26 Importance of rebalancing twice a year to avoid creeping U.S./large-cap overweight

9:00 Why boring diversification still works long-term

11:26 How to check your target-date fund allocation on Morningstar

12:41 Active vs. index target-date funds: Vanguard vs. T. Rowe/Nuveen

14:03 Listener Q: Fixed immediate annuity trade-offs (“wizards of odds”)

17:49 Why insurers win: payout math vs. life expectancy

18:59 Why Don & Tom dislike most annuities but tolerate immediate annuities in some cases

20:52 DIY alternative: 5% bond/CD ladder vs. annuity payout

21:25 What if you get 6%? Extending sustainable income to 23 years

21:37 Listener Q: Rules for rolling 529 funds into a Roth IRA

23:00 Key 529 limits: 15-year account age, 5-year holding period, $35k lifetime cap

23:14 Listener Q: DIY investing vs. hiring an advisor at 1% AUM

24:22 Why a good advisor’s value is about more than returns—taxes, withdrawals, estate planning

25:42 Vanguard’s Advisor Alpha and why behavior coaching adds value
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]]> Don McDonald bf161616-2eb4-11f1-b6ec-df3d653e158b Thu, 28 Aug 2025 14:39:00 -0400 1710 false Illiquid Alternatives Illiquid Alternatives
0:04 Tom hosts solo, Don away visiting his mom

0:51 Liquidity lessons from elite college endowments and alternatives

2:56 Why liquidity matters for retirement and emergencies

6:21 Caller Rich: $2M assets, pension, Social Security, annuity concerns, Tom warns against deferred income annuities

11:46 Caller Will: real estate commissions after lawsuits, Tom says budget ~10% of sale price

15:09 Tom warns about too-good-to-be-true “8% guarantees”

16:26 Caller Catherine: asks why Vanguard lacks a balanced ETF; Tom suggests DIY mix or wait for rollout

21:40 Tom stresses ignoring TikTok “advice” and staying the course; examples of small-cap rebounds

25:31 Global small/value stocks outperform S&P this year—own them all

26:49 Caller Joe: 100% S&P 500 allocation in retirement accounts; Tom warns about concentration, suggests global diversification

32:56 Caller Alan: Wellington Fund vs. more equities; Tom favors index funds and broader global exposure

37:28 Risk quiz, portfolio planning, and building for your own needs vs. peer influence
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]]>
0:04 Tom hosts solo, Don away visiting his mom

0:51 Liquidity lessons from elite college endowments and alternatives

2:56 Why liquidity matters for retirement and emergencies

6:21 Caller Rich: $2M assets, pension, Social Security, annuity concerns, Tom warns against deferred income annuities

11:46 Caller Will: real estate commissions after lawsuits, Tom says budget ~10% of sale price

15:09 Tom warns about too-good-to-be-true “8% guarantees”

16:26 Caller Catherine: asks why Vanguard lacks a balanced ETF; Tom suggests DIY mix or wait for rollout

21:40 Tom stresses ignoring TikTok “advice” and staying the course; examples of small-cap rebounds

25:31 Global small/value stocks outperform S&P this year—own them all

26:49 Caller Joe: 100% S&P 500 allocation in retirement accounts; Tom warns about concentration, suggests global diversification

32:56 Caller Alan: Wellington Fund vs. more equities; Tom favors index funds and broader global exposure

37:28 Risk quiz, portfolio planning, and building for your own needs vs. peer influence
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]]> Don McDonald 8d5edac2-2eb4-11f1-b6ec-b7ee914e2215 Wed, 27 Aug 2025 10:47:00 -0400 2428 false Making Life Better Making Life Better
0:04 Don out visiting his mom, Tom hosts solo

0:48 Market news and Appella Wealth annual client event recap

2:36 What clients really talk about: travel, family, weather—not money

3:25 Why clients worry less about markets when planning is in place

5:59 The importance of advisors (or DIY) in managing rebalancing, taxes, RMDs

7:09 Caller Bill (MN): Renew $200k CDs at 4% vs move into bond fund

11:25 Caller Jim (TX): High-fee muni closed-end funds, whether to sell

13:20 Caller Tom (VA): Planning Roth IRA allocations, target-date funds at Fidelity

18:53 Caller Gene (MD): $8M estate, big mutual fund gains, reducing taxes for heirs

28:12 Caller Bernadette (WA): Regrets annuity with USAA, options for moving it

31:18 Tom’s guidance: why annuities disappoint and fiduciary help matters

32:41 How to “put money in its place” if you’re a DIY investor
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]]>
0:04 Don out visiting his mom, Tom hosts solo

0:48 Market news and Appella Wealth annual client event recap

2:36 What clients really talk about: travel, family, weather—not money

3:25 Why clients worry less about markets when planning is in place

5:59 The importance of advisors (or DIY) in managing rebalancing, taxes, RMDs

7:09 Caller Bill (MN): Renew $200k CDs at 4% vs move into bond fund

11:25 Caller Jim (TX): High-fee muni closed-end funds, whether to sell

13:20 Caller Tom (VA): Planning Roth IRA allocations, target-date funds at Fidelity

18:53 Caller Gene (MD): $8M estate, big mutual fund gains, reducing taxes for heirs

28:12 Caller Bernadette (WA): Regrets annuity with USAA, options for moving it

31:18 Tom’s guidance: why annuities disappoint and fiduciary help matters

32:41 How to “put money in its place” if you’re a DIY investor
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]]> Don McDonald c1547fb2-2eb4-11f1-b6ec-9facece62f63 Tue, 26 Aug 2025 09:34:00 -0400 2314 false Should Have Yielded Should Have Yielded
0:04 Why “too good to be true” investments always fail eventually

1:08 Yieldstreet problems exposed—CNBC investigation findings

2:26 Losses and watch-list numbers from their portfolio

3:48 Investors chasing 20% returns and Adam Neumann connection

5:01 Private investments pitched as “smoother sailing”

6:14 Throwback to 2022 TRM episode warning about Yieldstreet

7:38 False promises of 8% “distributions” and return of capital

9:10 FBI and SEC probes; fees, liquidity issues, and risks

10:33 Why magical investments work… until they don’t

12:22 Don’s “Financial Fysics” rule: only 3 ways to make money

14:24 Private credit in 401(k)s—why Don hates the idea

15:36 Listener Q: Roth conversion strategy before retirement

17:17 Five-year rule confusion and conversion clarifications

18:52 Why splitting Roth and pre-tax can make sense

20:09 Listener Q: Roth vs. pre-tax for high earners in California

22:08 The need for predictive tax planning with large balances

22:26 Wealth requires planning, not winging it

24:12 Wrapping up—Yieldstreet’s lesson and Roth themes
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0:04 Why “too good to be true” investments always fail eventually

1:08 Yieldstreet problems exposed—CNBC investigation findings

2:26 Losses and watch-list numbers from their portfolio

3:48 Investors chasing 20% returns and Adam Neumann connection

5:01 Private investments pitched as “smoother sailing”

6:14 Throwback to 2022 TRM episode warning about Yieldstreet

7:38 False promises of 8% “distributions” and return of capital

9:10 FBI and SEC probes; fees, liquidity issues, and risks

10:33 Why magical investments work… until they don’t

12:22 Don’s “Financial Fysics” rule: only 3 ways to make money

14:24 Private credit in 401(k)s—why Don hates the idea

15:36 Listener Q: Roth conversion strategy before retirement

17:17 Five-year rule confusion and conversion clarifications

18:52 Why splitting Roth and pre-tax can make sense

20:09 Listener Q: Roth vs. pre-tax for high earners in California

22:08 The need for predictive tax planning with large balances

22:26 Wealth requires planning, not winging it

24:12 Wrapping up—Yieldstreet’s lesson and Roth themes
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]]> Don McDonald cfe382da-2eb4-11f1-b6ec-8fa2a57bd0da Mon, 25 Aug 2025 14:42:00 -0400 1624 false Busy Day of Q&A Busy Day of Q&A
0:04 Big Q&A episode intro and listener reminder about submitting questions

1:14 Listener note on Mr. Bates vs. the Post Office documentary

2:49 Ivan asks about when to buy umbrella insurance

6:23 How to send in questions and live call-in info

6:41 Listener asks about rebalancing across 401k, Roth, taxable, and HSA

10:02 Jeff asks about U.S. vs. international small-cap value ETFs and missing T-shirts

12:34 Mike from Colorado describes using ChatGPT for Roth conversion and withdrawal planning; Don and Kath discuss AI’s impact on financial advice and SEC regulation

20:46 Ed from North Carolina asks about fiduciary fees, IRA penalties, and the new client experience at Appella

23:27 Advisor meeting cadence and availability explained
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]]>
0:04 Big Q&A episode intro and listener reminder about submitting questions

1:14 Listener note on Mr. Bates vs. the Post Office documentary

2:49 Ivan asks about when to buy umbrella insurance

6:23 How to send in questions and live call-in info

6:41 Listener asks about rebalancing across 401k, Roth, taxable, and HSA

10:02 Jeff asks about U.S. vs. international small-cap value ETFs and missing T-shirts

12:34 Mike from Colorado describes using ChatGPT for Roth conversion and withdrawal planning; Don and Kath discuss AI’s impact on financial advice and SEC regulation

20:46 Ed from North Carolina asks about fiduciary fees, IRA penalties, and the new client experience at Appella

23:27 Advisor meeting cadence and availability explained
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]]> Don McDonald 8bfad154-2eb4-11f1-b6ec-8369ed3d9c43 Fri, 22 Aug 2025 10:19:00 -0400 1564 false Still Rising Still Rising
0:04 Why has the market been so resilient for nearly 20 years?

1:01 Buy-the-dip culture vs. true bear market experience

2:20 Recalling the 2007–09 crash and its emotional aftermath

3:15 Younger investors haven’t seen long-term pain—yet

4:07 A history of “new paradigm” optimism before brutal downturns

5:30 Rising 401k balances vs. uncomfortable overconfidence

5:46 Buying the dip… or being the dip?

7:21 The savior during lost decades: diversification

8:45 “Winter is coming”—how to prepare like a Northerner

9:34 The return of bonds and rechecking your allocations

10:20 Hidden risks of U.S. stock concentration

11:14 Take 20%–50% off your portfolio mentally—it’s not all yours

11:44 Listener questions: mic technique and financial reality check

13:24 The movie theater saga: terrible options and funny reviews

17:00 Listener Q: Calendar rebalancing vs. opportunistic rebalancing

18:50 Listener Q: Selling winners vs. minimizing capital gains

20:10 Listener Q: Comparing AVDE, AVNM, and Dimensional ETFs

24:58 Tax-loss harvesting with Avantis and Dimensional

26:24 Amazon’s latest 3%-fresh movie disaster

28:12 Time to get your financial life in order—fall is coming
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]]>
0:04 Why has the market been so resilient for nearly 20 years?

1:01 Buy-the-dip culture vs. true bear market experience

2:20 Recalling the 2007–09 crash and its emotional aftermath

3:15 Younger investors haven’t seen long-term pain—yet

4:07 A history of “new paradigm” optimism before brutal downturns

5:30 Rising 401k balances vs. uncomfortable overconfidence

5:46 Buying the dip… or being the dip?

7:21 The savior during lost decades: diversification

8:45 “Winter is coming”—how to prepare like a Northerner

9:34 The return of bonds and rechecking your allocations

10:20 Hidden risks of U.S. stock concentration

11:14 Take 20%–50% off your portfolio mentally—it’s not all yours

11:44 Listener questions: mic technique and financial reality check

13:24 The movie theater saga: terrible options and funny reviews

17:00 Listener Q: Calendar rebalancing vs. opportunistic rebalancing

18:50 Listener Q: Selling winners vs. minimizing capital gains

20:10 Listener Q: Comparing AVDE, AVNM, and Dimensional ETFs

24:58 Tax-loss harvesting with Avantis and Dimensional

26:24 Amazon’s latest 3%-fresh movie disaster

28:12 Time to get your financial life in order—fall is coming
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]]> Don McDonald 286c0fd6-2eb4-11f1-b6ec-5fcc2f7d0262 Thu, 21 Aug 2025 10:36:00 -0400 1899 false Mind the Gap Mind the Gap
0:04 Investor returns vs. market returns: why we underperform

1:32 Morningstar’s “Mind the Gap” study explained

2:59 Behavioral mistakes: trading too much, chasing sectors, style drift

4:48 Volatile funds lead to worse investor outcomes

6:39 Frank asks: What’s wrong with 403(b) plans?

9:14 The real problem with 403(b)s: annuities and teacher exploitation

13:12 Why annuities don’t belong in tax-deferred plans

14:04 How to escape a bad 403(b): 403bwise.org and “green light” plans

15:45 Listener Gabriel: Is S&P 500 enough for a long-term portfolio?

17:56 VOO vs. VT: Why global diversification matters

19:39 Concentration risk and emotional investing

22:08 Listener Garrett: Planning for a second home in retirement

25:10 Real estate reality: owning two homes isn’t always ideal

28:45 Listener Nina: Clarifying the senior tax deduction

30:07 Listener Jim: Where should I invest a $1M windfall?

32:47 Long-term strategy: globally diversified stock portfolios

34:27 Listener Lori: How to unwind a concentrated tech stock portfolio

35:20 Altria: A century of sin stocks and their surprising holdings

37:00 Program note: Tom solo next week—please call in!

38:46 English is weird: talk vs. tok, though vs. thru
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]]>
0:04 Investor returns vs. market returns: why we underperform

1:32 Morningstar’s “Mind the Gap” study explained

2:59 Behavioral mistakes: trading too much, chasing sectors, style drift

4:48 Volatile funds lead to worse investor outcomes

6:39 Frank asks: What’s wrong with 403(b) plans?

9:14 The real problem with 403(b)s: annuities and teacher exploitation

13:12 Why annuities don’t belong in tax-deferred plans

14:04 How to escape a bad 403(b): 403bwise.org and “green light” plans

15:45 Listener Gabriel: Is S&P 500 enough for a long-term portfolio?

17:56 VOO vs. VT: Why global diversification matters

19:39 Concentration risk and emotional investing

22:08 Listener Garrett: Planning for a second home in retirement

25:10 Real estate reality: owning two homes isn’t always ideal

28:45 Listener Nina: Clarifying the senior tax deduction

30:07 Listener Jim: Where should I invest a $1M windfall?

32:47 Long-term strategy: globally diversified stock portfolios

34:27 Listener Lori: How to unwind a concentrated tech stock portfolio

35:20 Altria: A century of sin stocks and their surprising holdings

37:00 Program note: Tom solo next week—please call in!

38:46 English is weird: talk vs. tok, though vs. thru
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]]> Don McDonald 6e758124-2eb4-11f1-b6ec-8b6fb466b108 Wed, 20 Aug 2025 12:22:00 -0400 2452 false Investing Trivia Time Investing Trivia Time
0:04 Don and Tom banter about working weekends and boomers in the office

1:55 Wall Street Journal quiz: Are you a stock market genius?

3:20 Which stock created the most wealth in 100 years? (Hint: it wasn’t Apple)

4:19 Why Altria (Philip Morris) beat the rest

5:31 Berkshire Hathaway drops 99%—would Buffett still beat the market?

6:37 Show mission: make investing simple, not complex

8:28 Caller Valerie: Investing for a daughter with disabilities using Vanguard ETFs

10:24 Portfolio review and discussion of special needs trusts

11:20 Structuring brokerage accounts with trust beneficiaries

13:31 Caller Steve: Roth IRAs for sons, target date vs. all-equity funds

14:36 Tom critiques Schwab’s target date funds—Vanguard preferred

16:20 Future value of $10K over 50 years at 10%—retirement math

17:20 Caller Sam: Can he gift stock into a Roth IRA? (Spoiler: No, but workarounds exist)

18:59 Economist “Felicity Foresight” exercise—guess the ending balance after 100 years of perfect timing

20:34 The shocking power of compound returns: $10 quintillion

22:15 Geography jokes, the U.S. “Middle East,” and why cruises go to Juneau

23:39 Written Question (Bruce): Keeping emergency funds in a Schwab money market fund

25:10 Online bank trust vs. FDIC insurance—why it’s safe

27:51 Don calls Tom a “premature curmudgeon”

28:30 Caller West: Should he add SGOV to his BND bond portfolio?

29:52 BND vs SGOV explained—behavior during rate changes

30:37 Back to WSJ quiz: investing trivia and early company names

31:31 Bezos almost named Amazon “Kadabra”; Google was almost “Backrub”

33:20 What’s a googol? And why Google isn’t even the biggest number

34:48 Shoeshine story: how Joe Kennedy dodged the ‘29 crash

36:39 Caller Diana: Investing for four grandkids—gold coins vs stocks

38:41 Why diversified ETFs beat Boeing stock or gold coins
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]]>
0:04 Don and Tom banter about working weekends and boomers in the office

1:55 Wall Street Journal quiz: Are you a stock market genius?

3:20 Which stock created the most wealth in 100 years? (Hint: it wasn’t Apple)

4:19 Why Altria (Philip Morris) beat the rest

5:31 Berkshire Hathaway drops 99%—would Buffett still beat the market?

6:37 Show mission: make investing simple, not complex

8:28 Caller Valerie: Investing for a daughter with disabilities using Vanguard ETFs

10:24 Portfolio review and discussion of special needs trusts

11:20 Structuring brokerage accounts with trust beneficiaries

13:31 Caller Steve: Roth IRAs for sons, target date vs. all-equity funds

14:36 Tom critiques Schwab’s target date funds—Vanguard preferred

16:20 Future value of $10K over 50 years at 10%—retirement math

17:20 Caller Sam: Can he gift stock into a Roth IRA? (Spoiler: No, but workarounds exist)

18:59 Economist “Felicity Foresight” exercise—guess the ending balance after 100 years of perfect timing

20:34 The shocking power of compound returns: $10 quintillion

22:15 Geography jokes, the U.S. “Middle East,” and why cruises go to Juneau

23:39 Written Question (Bruce): Keeping emergency funds in a Schwab money market fund

25:10 Online bank trust vs. FDIC insurance—why it’s safe

27:51 Don calls Tom a “premature curmudgeon”

28:30 Caller West: Should he add SGOV to his BND bond portfolio?

29:52 BND vs SGOV explained—behavior during rate changes

30:37 Back to WSJ quiz: investing trivia and early company names

31:31 Bezos almost named Amazon “Kadabra”; Google was almost “Backrub”

33:20 What’s a googol? And why Google isn’t even the biggest number

34:48 Shoeshine story: how Joe Kennedy dodged the ‘29 crash

36:39 Caller Diana: Investing for four grandkids—gold coins vs stocks

38:41 Why diversified ETFs beat Boeing stock or gold coins
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]]> Don McDonald b748e7f6-2eb4-11f1-b6ec-eb6becba64c2 Tue, 19 Aug 2025 13:12:00 -0400 2527 false Social Insecurity? Social Insecurity?
0:04 Tom’s Goldilocks routine: too hot, too cold, never just right

1:05 Why early Social Security claims can be financially tragic

2:11 Top emotional excuses people use to claim early

3:19 The 2033 funding deadline and how Congress will likely delay action

4:16 Misconceptions about break-even math and spousal survivor benefits

5:01 Real example: Don’s $49K vs. $58K annual benefit if he waits

6:55 The “just want my money” crowd: emotional logic at its worst

8:13 Average claiming age has improved, but still too early for most

9:38 Can you bridge the income gap to delay claiming? Not if you’re broke

10:55 Permanent 30% cut if you claim at 62 vs. full retirement age

11:52 Why working longer might be the best—and only—solution

13:12 Retirement isn’t a permavacation: the mental toll of early retirement

14:18 Emotion vs. planning: the real battle in financial decisions

14:41 Listener Q: KCIS hybrid pension pitch = pure annuity sales

16:17 Indexed annuities, tax-free income claims, and SEC loopholes

17:50 Listener Q: AVNM vs. AVGE – how to structure your global ETF allocation

18:50 AVGE = one fund; AVNM + AVUS = smarter two-fund DIY

19:59 Listener Q: iShares target-date ETFs and the risk of fund closure

21:17 Why target-date funds don’t belong in taxable accounts

22:19 Why is Cocoa Beach called Cocoa? Three weird theories
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]]>
0:04 Tom’s Goldilocks routine: too hot, too cold, never just right

1:05 Why early Social Security claims can be financially tragic

2:11 Top emotional excuses people use to claim early

3:19 The 2033 funding deadline and how Congress will likely delay action

4:16 Misconceptions about break-even math and spousal survivor benefits

5:01 Real example: Don’s $49K vs. $58K annual benefit if he waits

6:55 The “just want my money” crowd: emotional logic at its worst

8:13 Average claiming age has improved, but still too early for most

9:38 Can you bridge the income gap to delay claiming? Not if you’re broke

10:55 Permanent 30% cut if you claim at 62 vs. full retirement age

11:52 Why working longer might be the best—and only—solution

13:12 Retirement isn’t a permavacation: the mental toll of early retirement

14:18 Emotion vs. planning: the real battle in financial decisions

14:41 Listener Q: KCIS hybrid pension pitch = pure annuity sales

16:17 Indexed annuities, tax-free income claims, and SEC loopholes

17:50 Listener Q: AVNM vs. AVGE – how to structure your global ETF allocation

18:50 AVGE = one fund; AVNM + AVUS = smarter two-fund DIY

19:59 Listener Q: iShares target-date ETFs and the risk of fund closure

21:17 Why target-date funds don’t belong in taxable accounts

22:19 Why is Cocoa Beach called Cocoa? Three weird theories
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]]> Don McDonald 9e05d79a-2eb4-11f1-b6ec-cb163c4417c3 Mon, 18 Aug 2025 12:48:00 -0400 1608 false More Money Answers More Money Answers
1:36 Can $120K a year work with two pensions and a 7% return?

4:57 VT vs. SPGM — same global reach or hidden differences?

8:58 Selling Grandma’s mutual fund without gifting Uncle Sam

11:44 Best deep-dive planning books and free Monte Carlo tools

15:56 Target-date laddering — smart risk tweak or needless fuss?
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]]>
1:36 Can $120K a year work with two pensions and a 7% return?

4:57 VT vs. SPGM — same global reach or hidden differences?

8:58 Selling Grandma’s mutual fund without gifting Uncle Sam

11:44 Best deep-dive planning books and free Monte Carlo tools

15:56 Target-date laddering — smart risk tweak or needless fuss?
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]]> Don McDonald 87b0d620-2eb4-11f1-b6ec-db3ef112305b Fri, 15 Aug 2025 12:48:00 -0400 1407 false Pecuniary Presidents Pecuniary Presidents
0:05 Tom introduces Megan Gorman and her book All the President’s Money

1:16 Is there a link between being a good president and good with money?

2:16 Warren G. Harding as a bad president but skilled entrepreneur

3:22 Biggest lessons from presidents’ finances—marrying up and aligning values

5:56 Trump marriages and shared transactional values

6:15 How presidents historically made their money—land speculation, inheritance, entrepreneurship

8:40 Nixon’s failed frozen juice business and debt repayment

10:43 Eisenhower’s emotional control, poker skills, and marrying up

12:43 Gerald Ford as the master of the post-presidency pivot into celebrity and corporate roles

15:12 Debate over financial conflicts for presidents and members of Congress

17:13 Clinton financial evolution from poor money management to high net worth

19:38 The role of grit—Herbert Hoover’s rise from orphan to wealthy mining engineer

21:39 Woodrow Wilson’s lack of hustle contrasted with other hard-working presidents

22:30 Biggest takeaway—financial principles haven’t changed, but the American dream is harder to achieve today
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]]>
0:05 Tom introduces Megan Gorman and her book All the President’s Money

1:16 Is there a link between being a good president and good with money?

2:16 Warren G. Harding as a bad president but skilled entrepreneur

3:22 Biggest lessons from presidents’ finances—marrying up and aligning values

5:56 Trump marriages and shared transactional values

6:15 How presidents historically made their money—land speculation, inheritance, entrepreneurship

8:40 Nixon’s failed frozen juice business and debt repayment

10:43 Eisenhower’s emotional control, poker skills, and marrying up

12:43 Gerald Ford as the master of the post-presidency pivot into celebrity and corporate roles

15:12 Debate over financial conflicts for presidents and members of Congress

17:13 Clinton financial evolution from poor money management to high net worth

19:38 The role of grit—Herbert Hoover’s rise from orphan to wealthy mining engineer

21:39 Woodrow Wilson’s lack of hustle contrasted with other hard-working presidents

22:30 Biggest takeaway—financial principles haven’t changed, but the American dream is harder to achieve today
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]]> Don McDonald 3532d998-2eb4-11f1-b6ec-23616b5a250b Thu, 14 Aug 2025 11:32:00 -0400 1533 false Bad to Worse Bad to Worse
1:35 Breaking the “golden handcuffs” of annuities—how FISYN’s pitch hooks investors

3:20 The too-good-to-be-true promise: 12% returns, equity kicker, no volatility, tax-free

3:49 Founder’s BrokerCheck record and lawsuits

5:15 Comparison to Woodbridge Ponzi scheme

6:32 The frying pan-to-fire swap: annuity to raw Texas land

7:37 Bonus shares and “free” Texas trip incentives

8:06 Critique of sponsored content posing as journalism

9:24 Reality check on raw land returns and costs

10:04 Broader issue: pay-to-play financial media

11:18 Caller Robert (TX): Fixed annuity with LTC rider—pros, cons, and better planning sequence

16:29 Insurance industry skepticism and “Wizards of Odds” nickname reveal

17:54 Caller John (WA): Deferred comp allocation—global, small-cap, emerging markets mix

19:18 Roth vs. tax-deferred bond placement and rebalancing flexibility

20:55 Revisiting the “Wizards of Odds” label for insurance companies

21:47 FISYN as a private equity example and why PE risk is often underestimated

23:35 High costs, valuation uncertainty, and past PE meltdowns

25:03 Total-loss potential in private equity investments

26:33 Caller Scott (NY): Using taxable brokerage for overflow cash—emergency fund priority and vehicle choice

30:34 Federal money market funds as short-term parking

31:54 Listener Thomas: Dividend withdrawals vs. total return strategy sustainability

34:43 Caller Pat: QCD rules—only from IRAs, rollover options, and who makes the rules

37:30 Paul Merriman “10 Myths, Lies, and Mistakes” episode plug

38:46 Podcast chart ranking and listener thanks
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1:35 Breaking the “golden handcuffs” of annuities—how FISYN’s pitch hooks investors

3:20 The too-good-to-be-true promise: 12% returns, equity kicker, no volatility, tax-free

3:49 Founder’s BrokerCheck record and lawsuits

5:15 Comparison to Woodbridge Ponzi scheme

6:32 The frying pan-to-fire swap: annuity to raw Texas land

7:37 Bonus shares and “free” Texas trip incentives

8:06 Critique of sponsored content posing as journalism

9:24 Reality check on raw land returns and costs

10:04 Broader issue: pay-to-play financial media

11:18 Caller Robert (TX): Fixed annuity with LTC rider—pros, cons, and better planning sequence

16:29 Insurance industry skepticism and “Wizards of Odds” nickname reveal

17:54 Caller John (WA): Deferred comp allocation—global, small-cap, emerging markets mix

19:18 Roth vs. tax-deferred bond placement and rebalancing flexibility

20:55 Revisiting the “Wizards of Odds” label for insurance companies

21:47 FISYN as a private equity example and why PE risk is often underestimated

23:35 High costs, valuation uncertainty, and past PE meltdowns

25:03 Total-loss potential in private equity investments

26:33 Caller Scott (NY): Using taxable brokerage for overflow cash—emergency fund priority and vehicle choice

30:34 Federal money market funds as short-term parking

31:54 Listener Thomas: Dividend withdrawals vs. total return strategy sustainability

34:43 Caller Pat: QCD rules—only from IRAs, rollover options, and who makes the rules

37:30 Paul Merriman “10 Myths, Lies, and Mistakes” episode plug

38:46 Podcast chart ranking and listener thanks
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]]> Don McDonald 87124e1a-2eb4-11f1-b6ec-f73fea047ae8 Wed, 13 Aug 2025 15:13:00 -0400 2472 false Barron’s Bond Blunder Barron’s Bond Blunder
0:04 Opening; Barron’s undisclosed advertorial problem and high-fee, junk-heavy bond funds

5:06 Scam watch — Starlink $127-for-life ad and why nobody will protect you but you

9:41 Caller Rob: Tax-adjusted IRA rebalancing, simple three-fund global strategy with overlap

16:11 Caller Bob: Which to trim first — Microsoft vs. American Funds ICA

21:41 Caller Tony: Social Security timing and why trust fund worries aren’t a reason to claim early

26:27 Caller Bruce: Bitcoin as speculation, not an investment, and the altcoin glut

35:13 Email: Swapping BND for short/intermediate bonds — why BND’s structure still works
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0:04 Opening; Barron’s undisclosed advertorial problem and high-fee, junk-heavy bond funds

5:06 Scam watch — Starlink $127-for-life ad and why nobody will protect you but you

9:41 Caller Rob: Tax-adjusted IRA rebalancing, simple three-fund global strategy with overlap

16:11 Caller Bob: Which to trim first — Microsoft vs. American Funds ICA

21:41 Caller Tony: Social Security timing and why trust fund worries aren’t a reason to claim early

26:27 Caller Bruce: Bitcoin as speculation, not an investment, and the altcoin glut

35:13 Email: Swapping BND for short/intermediate bonds — why BND’s structure still works
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]]> Don McDonald 8fea53f2-2eb4-11f1-b6ec-7fce7b7cd471 Tue, 12 Aug 2025 14:40:00 -0400 2445 false Avoid Complexity Avoid Complexity
0:04 Don’s Wall Street rant on complexity and costs

1:12 Structured equity products and why they’re pitched

2:27 How they work and why fees are high

3:53 Study shows 7% annual drag vs. benchmarks

5:06 New AQR hedged/leveraged funds at 2.31% expense

7:02 Swedroe’s investing principles: peer-reviewed, low-cost, no timing

8:56 Importance of global diversification and emerging markets history

12:18 Listener Q: Measuring U.S. vs. non-U.S. exposure

13:44 Listener Q: Moving assets from Empower to Schwab

14:31 Listener Q: IRA withdrawals for medical expenses

17:36 Listener Q: ETF dividends—reinvest or not?

18:45 ETF tax advantage vs. mutual funds explained

19:17 Listener praise for Don’s principles leading to $1.7M portfolio

21:37 Don’s broker days selling high-fee products

23:30 Transition to radio and Business Radio Network

24:56 Call-in question pipeline is full for upcoming shows
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]]>
0:04 Don’s Wall Street rant on complexity and costs

1:12 Structured equity products and why they’re pitched

2:27 How they work and why fees are high

3:53 Study shows 7% annual drag vs. benchmarks

5:06 New AQR hedged/leveraged funds at 2.31% expense

7:02 Swedroe’s investing principles: peer-reviewed, low-cost, no timing

8:56 Importance of global diversification and emerging markets history

12:18 Listener Q: Measuring U.S. vs. non-U.S. exposure

13:44 Listener Q: Moving assets from Empower to Schwab

14:31 Listener Q: IRA withdrawals for medical expenses

17:36 Listener Q: ETF dividends—reinvest or not?

18:45 ETF tax advantage vs. mutual funds explained

19:17 Listener praise for Don’s principles leading to $1.7M portfolio

21:37 Don’s broker days selling high-fee products

23:30 Transition to radio and Business Radio Network

24:56 Call-in question pipeline is full for upcoming shows
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]]> Don McDonald ce60dd04-2eb4-11f1-b6ec-cf0a43e68306 Mon, 11 Aug 2025 14:35:00 -0400 1770 false Your Q, Don's A Your Q, Don's A
0:04 Florida heat, Friday Q&A setup, and microphone placement tips

2:29 UTMA vs. 529 rules, Roth transfer limits, and simplification advice

6:59 Mid-40s couple weighing Roth vs. pre-tax 403(b) contributions

9:29 Workplace plan fund gaps, avoiding PIMCO small-cap, and using other accounts to diversify

12:58 Indexed annuity dinner pitch breakdown—hidden costs, low returns, and high commissions

20:58 Helping a divorced 26-year-old refocus priorities, delay big purchases, and stay patient
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]]>
0:04 Florida heat, Friday Q&A setup, and microphone placement tips

2:29 UTMA vs. 529 rules, Roth transfer limits, and simplification advice

6:59 Mid-40s couple weighing Roth vs. pre-tax 403(b) contributions

9:29 Workplace plan fund gaps, avoiding PIMCO small-cap, and using other accounts to diversify

12:58 Indexed annuity dinner pitch breakdown—hidden costs, low returns, and high commissions

20:58 Helping a divorced 26-year-old refocus priorities, delay big purchases, and stay patient
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]]> Don McDonald 8297bc26-2eb4-11f1-b6ec-0b1e0ba9a772 Fri, 08 Aug 2025 12:47:00 -0400 1799 false The End... Again? The End... Again?
0:04 Tom banned from pushing buttons—again

1:00 Why do we idolize financial “gurus” who are chronically wrong?

2:21 Enter Robert Kiyosaki: The doomsayer who keeps getting richer

3:05 Don confronts Kiyosaki over his bogus “guarantee” ad

3:53 His silver and market crash predictions: A 23-year flop fest

5:16 Latest Kiyosaki fear-pitch: Gold, silver, Bitcoin… again

6:37 His one right prediction (Bitcoin hitting $100K)

7:55 Critical reviews: Conspiracies, platitudes, and risky advice

9:22 Can Buffett, Lynch, or Bogle be called “gurus”?

10:24 Listener Q1: Fidelity 529 target date fund—too expensive?

11:26 UTANX and low-cost age-based 529 alternatives (like Utah’s plan)

14:02 Listener Q2: Roth 457(b) with high fees vs Roth IRA

16:47 Listener Q3: Does AVGE need a separate small-cap fund?

19:10 Listener Q4: Should Don stop managing his own money?

21:08 Why everyone needs a backup advisor—even advisors

22:17 Don’s voice acting love: Mighty Man Season 3 teaser

22:34 Listener Q5: AVUV vs AVGE—when and why to use each

24:20 AVGE asset breakdown—15 funds in one

26:12 Explaining the podcast schedule (Monday–Friday layout)

27:34 International listeners, Spotify vs Apple, and how to tune in
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]]>
0:04 Tom banned from pushing buttons—again

1:00 Why do we idolize financial “gurus” who are chronically wrong?

2:21 Enter Robert Kiyosaki: The doomsayer who keeps getting richer

3:05 Don confronts Kiyosaki over his bogus “guarantee” ad

3:53 His silver and market crash predictions: A 23-year flop fest

5:16 Latest Kiyosaki fear-pitch: Gold, silver, Bitcoin… again

6:37 His one right prediction (Bitcoin hitting $100K)

7:55 Critical reviews: Conspiracies, platitudes, and risky advice

9:22 Can Buffett, Lynch, or Bogle be called “gurus”?

10:24 Listener Q1: Fidelity 529 target date fund—too expensive?

11:26 UTANX and low-cost age-based 529 alternatives (like Utah’s plan)

14:02 Listener Q2: Roth 457(b) with high fees vs Roth IRA

16:47 Listener Q3: Does AVGE need a separate small-cap fund?

19:10 Listener Q4: Should Don stop managing his own money?

21:08 Why everyone needs a backup advisor—even advisors

22:17 Don’s voice acting love: Mighty Man Season 3 teaser

22:34 Listener Q5: AVUV vs AVGE—when and why to use each

24:20 AVGE asset breakdown—15 funds in one

26:12 Explaining the podcast schedule (Monday–Friday layout)

27:34 International listeners, Spotify vs Apple, and how to tune in
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]]> Don McDonald 959eba90-2eb4-11f1-b6ec-53f9d1bad804 Thu, 07 Aug 2025 12:38:00 -0400 1833 false Millions of Millionaires Millions of Millionaires
0:04 The millionaire explosion: 1,000 new U.S. millionaires every day

1:15 Inflation vs. millionaire status: $1M ain’t what it used to be

2:06 Where wealth is coming from—homes and 401(k)s

3:10 Forced savings: why it’s more powerful than market timing

4:02 The third key to wealth: avoiding big financial mistakes

5:39 Financial Flinch Reflex: Don’s mock pharma ad for financial panic

6:55 Listener asks: how exactly do you invest to become a millionaire?

7:37 ETF basics for beginners + starting with a target-date fund

8:47 Caller: What’s a triple-leveraged ETF and is it a cheat code?

10:36 Why you shouldn’t pick ETFs based on past returns

11:05 Building a portfolio starts with a plan, not a product

12:03 TQQQ dangers: up 3x, down 3x…or 80% down in 2022

14:22 How to get help: no-pressure meetings, no sales pitch

16:15 Leveraged ETFs = gambling, not investing

16:52 Caller selling $1.8M Illinois farm: can you defer capital gains?

17:39 Yes—via 1031 exchange or potentially a QOF (but beware fees)

19:24 Dying: not a recommended tax strategy (but technically effective)

21:01 Caller in La Conner, WA: risky to keep all gains in 10 tech stocks?

23:21 $200K gain in 3 months? Congrats—now get out before you regret it

25:18 Why gambling with stocks in retirement is unnecessary risk

26:56 Caller Joe: interviewed 10+ advisory firms—how to choose?

28:03 Don’t trust advisors who promise future returns

30:25 The only advisors to consider: 100% fiduciary, no commissions

32:43 Caller Beverly: state bond fund seems risky—what should I do?

33:45 Use your IRA for safer bond funds like Vanguard BND

36:34 Why there’s no “rule of thumb” for stock/bond allocation
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0:04 The millionaire explosion: 1,000 new U.S. millionaires every day

1:15 Inflation vs. millionaire status: $1M ain’t what it used to be

2:06 Where wealth is coming from—homes and 401(k)s

3:10 Forced savings: why it’s more powerful than market timing

4:02 The third key to wealth: avoiding big financial mistakes

5:39 Financial Flinch Reflex: Don’s mock pharma ad for financial panic

6:55 Listener asks: how exactly do you invest to become a millionaire?

7:37 ETF basics for beginners + starting with a target-date fund

8:47 Caller: What’s a triple-leveraged ETF and is it a cheat code?

10:36 Why you shouldn’t pick ETFs based on past returns

11:05 Building a portfolio starts with a plan, not a product

12:03 TQQQ dangers: up 3x, down 3x…or 80% down in 2022

14:22 How to get help: no-pressure meetings, no sales pitch

16:15 Leveraged ETFs = gambling, not investing

16:52 Caller selling $1.8M Illinois farm: can you defer capital gains?

17:39 Yes—via 1031 exchange or potentially a QOF (but beware fees)

19:24 Dying: not a recommended tax strategy (but technically effective)

21:01 Caller in La Conner, WA: risky to keep all gains in 10 tech stocks?

23:21 $200K gain in 3 months? Congrats—now get out before you regret it

25:18 Why gambling with stocks in retirement is unnecessary risk

26:56 Caller Joe: interviewed 10+ advisory firms—how to choose?

28:03 Don’t trust advisors who promise future returns

30:25 The only advisors to consider: 100% fiduciary, no commissions

32:43 Caller Beverly: state bond fund seems risky—what should I do?

33:45 Use your IRA for safer bond funds like Vanguard BND

36:34 Why there’s no “rule of thumb” for stock/bond allocation
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]]> Don McDonald cccccb6a-2eb4-11f1-b6ec-afa8ce685c9f Wed, 06 Aug 2025 13:22:00 -0400 2401 false What Drives Markets? What Drives Markets?
0:04 Markets don’t rest—so why should financial advice?

1:07 What really drives your retirement account?

2:20 Five market-moving forces from Goldman Sachs/NYT

3:50 Surprise events, political chaos, and market reactions

5:34 Can you predict the market? Probably not.

6:47 Five patterns investors should know

8:12 Diversification actually works—examples and evidence

9:05 Market shock fatigue: building immunity to bad news

10:39 Quit aiming for home runs; try for batting .750

11:45 Why boring investing is the best kind

13:12 Listener Lisa: High-yield savings vs. Vanguard VMFXX

19:46 Lisa’s DIY retirement strategy—does she need an advisor?

22:32 Money market vs. high-yield savings yield comparison

23:06 Listener James: Is a Roth a good place for emergency funds?

25:13 Roth should be your last resort, not first cash stop

26:18 Don’t guess—plan

27:08 Listener Jimmy: Tax lots, cash needs, and overthinking

30:31 Portfolio drawdown strategy: tax hierarchy matters

32:00 Listener John: Washington State deferred comp concerns

34:26 Why build your own allocation in target-date funds

35:16 Private equity and bacon: Not in your 401(k), please

36:00 Listener Jason: Politicizing BLS jobs data—market risks
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]]>
0:04 Markets don’t rest—so why should financial advice?

1:07 What really drives your retirement account?

2:20 Five market-moving forces from Goldman Sachs/NYT

3:50 Surprise events, political chaos, and market reactions

5:34 Can you predict the market? Probably not.

6:47 Five patterns investors should know

8:12 Diversification actually works—examples and evidence

9:05 Market shock fatigue: building immunity to bad news

10:39 Quit aiming for home runs; try for batting .750

11:45 Why boring investing is the best kind

13:12 Listener Lisa: High-yield savings vs. Vanguard VMFXX

19:46 Lisa’s DIY retirement strategy—does she need an advisor?

22:32 Money market vs. high-yield savings yield comparison

23:06 Listener James: Is a Roth a good place for emergency funds?

25:13 Roth should be your last resort, not first cash stop

26:18 Don’t guess—plan

27:08 Listener Jimmy: Tax lots, cash needs, and overthinking

30:31 Portfolio drawdown strategy: tax hierarchy matters

32:00 Listener John: Washington State deferred comp concerns

34:26 Why build your own allocation in target-date funds

35:16 Private equity and bacon: Not in your 401(k), please

36:00 Listener Jason: Politicizing BLS jobs data—market risks
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]]> Don McDonald 8ec64f9e-2eb4-11f1-b6ec-13a2ff34413c Tue, 05 Aug 2025 14:48:00 -0400 2454 false Just Invest! Just Invest!
0:04 Emotional investing and the danger of reacting to market highs

1:13 Why timing the market is so tempting—and so wrong

2:35 Four investor scenarios: lucky, disciplined, unlucky, and the guy who sat it out

5:03 20-year returns: how even the worst timing beat sitting in T-bills

6:25 Discipline as a risk-reduction strategy and emotional filter

8:16 Worst-case fear vs real-world data: even the unlucky come out ahead

9:21 Market rebounds: faster than most think, from 2008 to 2025

10:28 The fourth golden rule: Discipline beats market noise

13:03 Listener Zach thanks Tom—phone call advice pays off

13:34 Listener “Long” asks how to become a fiduciary advisor

14:55 Why financial skills alone don’t make great advisors

16:38 Should you start at a sales-driven firm? Probably not

18:04 Better idea: get your Series 65, find a DFA firm, study for CFP

20:08 Sales skills matter—but you don’t have to sell your soul

20:55 Listener asks about FIBA and a “too good to be true” annuity pitch

21:48 FIBA’s fake fiduciary claim and questionable annuity advice

24:30 Unregistered “advisors” pushing 9–11% commission products

26:25 Why these products are sold: $35K+ commissions

28:30 How to spot fake fiduciaries—and what real ones disclose

29:23 Tom and Don still steaming about annuity predators
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]]>
0:04 Emotional investing and the danger of reacting to market highs

1:13 Why timing the market is so tempting—and so wrong

2:35 Four investor scenarios: lucky, disciplined, unlucky, and the guy who sat it out

5:03 20-year returns: how even the worst timing beat sitting in T-bills

6:25 Discipline as a risk-reduction strategy and emotional filter

8:16 Worst-case fear vs real-world data: even the unlucky come out ahead

9:21 Market rebounds: faster than most think, from 2008 to 2025

10:28 The fourth golden rule: Discipline beats market noise

13:03 Listener Zach thanks Tom—phone call advice pays off

13:34 Listener “Long” asks how to become a fiduciary advisor

14:55 Why financial skills alone don’t make great advisors

16:38 Should you start at a sales-driven firm? Probably not

18:04 Better idea: get your Series 65, find a DFA firm, study for CFP

20:08 Sales skills matter—but you don’t have to sell your soul

20:55 Listener asks about FIBA and a “too good to be true” annuity pitch

21:48 FIBA’s fake fiduciary claim and questionable annuity advice

24:30 Unregistered “advisors” pushing 9–11% commission products

26:25 Why these products are sold: $35K+ commissions

28:30 How to spot fake fiduciaries—and what real ones disclose

29:23 Tom and Don still steaming about annuity predators
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]]> Don McDonald c21287c8-2eb4-11f1-b6ec-6b1acecc81dd Mon, 04 Aug 2025 13:21:00 -0400 1933 false Saving Investors Saving Investors
0:04 More machine than man? Tom opens with AI vs. human money management

1:14 Stanford AI outperforms 93% of human fund managers—sort of

2:35 Another study says: no clear winner between AI and humans

3:12 Why persistent outperformance doesn’t exist—and that’s OK

3:39 Roxy joins: paddleboards, decorating, and financial clarity

4:16 Listener question: DIY ETF portfolio for granddaughter (too complex)

5:54 Portfolio breakdown: too much large cap, bonds in a Roth?

7:44 Listener question: Switching from Vanguard Star Fund to ETFs

9:32 Roth IRA tips: stock-heavy, not for bonds or cash

10:25 Listener question: Deductible IRA mistake—now what?

11:54 Backdoor Roth IRA rules, income limits, and pro-rata traps

13:19 Recharacterization forms and Social Security timing advice

14:44 Listener question: ETF dividends—should I reinvest or not?

15:14 ETF tax basics: capital gains vs. dividends

16:42 Listener question: $2.5M+ retirement plan review from Woodstock, GA

17:14 Income breakdown: Air Force pension, SS, rental income, part-time job

18:43 Self-directed IRA full of land, CDs, and cash

19:59 Precious metals and crypto: too much risk, not enough balance

20:35 Bonds or not? Depends on goals, not age

21:55 Planning questions: What’s the money for?

23:25 RMDs and taxes from a self-directed IRA

24:27 Fair market value complications and IRS penalties

25:46 Inheriting land in an IRA: yes, it’s a pain

27:28 Wrap-up: Why human advice still matters—even if AI’s getting smarter
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]]>
0:04 More machine than man? Tom opens with AI vs. human money management

1:14 Stanford AI outperforms 93% of human fund managers—sort of

2:35 Another study says: no clear winner between AI and humans

3:12 Why persistent outperformance doesn’t exist—and that’s OK

3:39 Roxy joins: paddleboards, decorating, and financial clarity

4:16 Listener question: DIY ETF portfolio for granddaughter (too complex)

5:54 Portfolio breakdown: too much large cap, bonds in a Roth?

7:44 Listener question: Switching from Vanguard Star Fund to ETFs

9:32 Roth IRA tips: stock-heavy, not for bonds or cash

10:25 Listener question: Deductible IRA mistake—now what?

11:54 Backdoor Roth IRA rules, income limits, and pro-rata traps

13:19 Recharacterization forms and Social Security timing advice

14:44 Listener question: ETF dividends—should I reinvest or not?

15:14 ETF tax basics: capital gains vs. dividends

16:42 Listener question: $2.5M+ retirement plan review from Woodstock, GA

17:14 Income breakdown: Air Force pension, SS, rental income, part-time job

18:43 Self-directed IRA full of land, CDs, and cash

19:59 Precious metals and crypto: too much risk, not enough balance

20:35 Bonds or not? Depends on goals, not age

21:55 Planning questions: What’s the money for?

23:25 RMDs and taxes from a self-directed IRA

24:27 Fair market value complications and IRS penalties

25:46 Inheriting land in an IRA: yes, it’s a pain

27:28 Wrap-up: Why human advice still matters—even if AI’s getting smarter
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]]> Don McDonald 654682c4-2eb4-11f1-b6ec-9bbd086015a1 Fri, 01 Aug 2025 15:21:00 -0400 1804 false Unrealistic Expectations Unrealistic Expectations
0:04 Don delays the podcast waiting for Tom’s arrival (with British accent)

1:30 Survey shock: Investors expect 12.6% real annual returns

2:28 Reality check: Actual global stock returns are closer to 9%

3:45 Dangerous real-world portfolios: 100% S&P 500 near retirement

5:30 One-stock portfolios tied to employers—what could go wrong?

6:50 Under-saving due to false optimism about future returns

7:14 Decade-by-decade historical real returns from 1930–2020s

10:13 The Dave Ramsey fantasy: 8% withdrawals on 12% returns

10:40 Recency bias: Why we forget recent downturns so fast

11:05 50% of years see 10% drops; 1 in 3 see 20% drops

12:47 Emotional investing vs. disciplined long-term planning

13:39 Listener Q: How long to recover from a major market drop?

14:22 Diversification shortens recovery time historically

15:36 Build for the worst case: 50% stock market drop

16:32 Listener Q: Does Ivan need an umbrella policy with $350K net worth?

17:57 Umbrellas are rarely needed—but the industry sure sells them

18:54 Listener Q: Is LifeX 10-year bond ladder a good retirement tool?

20:20 It’s mostly return of principal—DIY Treasury ladders are cheaper

22:40 Don’t be fooled by nice websites and big yield promises

23:24 Listener Q: Can AVGE replace four-fund ETF portfolio for tax loss harvesting?

24:32 Swap Avantis for DFA funds—nearly identical, wash-sale safe

25:56 Parting shots: Buy a decent mic, don’t let emotion control your portfolio
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]]>
0:04 Don delays the podcast waiting for Tom’s arrival (with British accent)

1:30 Survey shock: Investors expect 12.6% real annual returns

2:28 Reality check: Actual global stock returns are closer to 9%

3:45 Dangerous real-world portfolios: 100% S&P 500 near retirement

5:30 One-stock portfolios tied to employers—what could go wrong?

6:50 Under-saving due to false optimism about future returns

7:14 Decade-by-decade historical real returns from 1930–2020s

10:13 The Dave Ramsey fantasy: 8% withdrawals on 12% returns

10:40 Recency bias: Why we forget recent downturns so fast

11:05 50% of years see 10% drops; 1 in 3 see 20% drops

12:47 Emotional investing vs. disciplined long-term planning

13:39 Listener Q: How long to recover from a major market drop?

14:22 Diversification shortens recovery time historically

15:36 Build for the worst case: 50% stock market drop

16:32 Listener Q: Does Ivan need an umbrella policy with $350K net worth?

17:57 Umbrellas are rarely needed—but the industry sure sells them

18:54 Listener Q: Is LifeX 10-year bond ladder a good retirement tool?

20:20 It’s mostly return of principal—DIY Treasury ladders are cheaper

22:40 Don’t be fooled by nice websites and big yield promises

23:24 Listener Q: Can AVGE replace four-fund ETF portfolio for tax loss harvesting?

24:32 Swap Avantis for DFA funds—nearly identical, wash-sale safe

25:56 Parting shots: Buy a decent mic, don’t let emotion control your portfolio
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]]> Don McDonald c1dfda62-2eb4-11f1-b6ec-170866921484 Thu, 31 Jul 2025 13:35:00 -0400 1841 false The End of ETFs? The End of ETFs?
0:04 The investing world is full of nonsense, and it’s our job to help you navigate it.

1:11 Vacation shaming and industry cynicism: Who’s out to mess with your head for money?

2:06 Ric Edelman’s latest: ETFs will vanish in 5 years due to tokenization. Really?

3:15 Explaining blockchain and why it’s not replacing ETFs anytime soon.

5:14 Tokenization = new gimmicks, more “opportunities” to come for your money.

6:47 Appella ad: FFR—Financial Flinch Reflex. Side effects may include peace of mind.

7:48 Why tokenized securities are still a regulatory mess waiting to happen.

9:04 Caller Karthik: Insurance guy pitching Code 7702 “tax-free income” plan. Nope.

10:29 Explaining how life insurance gimmicks really work (and why they’re awful).

11:39 Karthik’s “Tax Act 2020” pitch = tax shelter scam with distressed bonds.

13:00 Don’t fall for tax-first pitches. Build a plan, not a loophole.

14:31 Most financial pros aren’t fiduciaries—skepticism is essential.

16:01 “Don’t trust until you verify.” Reagan said it. So did we.

16:49 How to ask questions: phone, email, voice recordings.

17:48 Caller David: If Bitcoin is hoarded, how can it be useful?

18:59 Answer: Greater Fool Theory. Crypto is speculation, not utility.

20:38 Bitcoin has finite supply… but still doesn’t work like a true currency.

22:08 Bitcoin’s two real uses: speculation and shadowy transactions.

23:15 For Bitcoin to be a true currency, it must be widely accepted. It’s not.

24:48 Caller Ellen: Trust issues with her advisor—she feels ignored.

25:30 She pays 1%, holds Schwab ETFs, and gets canned responses.

27:27 Communication is key. Cost may be fair, but service is falling short.

28:42 Good advice starts with you, not a pitch. Her guy sounds like an AUM chaser.

31:39 Advisors matter in retirement too—good ones prevent dumb mistakes.

32:55 Ellen asks: do fees still make sense once I start withdrawing money?

34:44 Caller Bill: Confused about the pro-rata rule for Roth conversions.

36:24 Quick pro-rata explainer: if your IRA is mixed, you pay taxes proportionally.

37:10 If you’re willing to pay tax on the full amount, IRS is fine with that.

38:36 “Just 86 the whole thing” – don’t sweat a few grand in basis from 1987.
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]]>
0:04 The investing world is full of nonsense, and it’s our job to help you navigate it.

1:11 Vacation shaming and industry cynicism: Who’s out to mess with your head for money?

2:06 Ric Edelman’s latest: ETFs will vanish in 5 years due to tokenization. Really?

3:15 Explaining blockchain and why it’s not replacing ETFs anytime soon.

5:14 Tokenization = new gimmicks, more “opportunities” to come for your money.

6:47 Appella ad: FFR—Financial Flinch Reflex. Side effects may include peace of mind.

7:48 Why tokenized securities are still a regulatory mess waiting to happen.

9:04 Caller Karthik: Insurance guy pitching Code 7702 “tax-free income” plan. Nope.

10:29 Explaining how life insurance gimmicks really work (and why they’re awful).

11:39 Karthik’s “Tax Act 2020” pitch = tax shelter scam with distressed bonds.

13:00 Don’t fall for tax-first pitches. Build a plan, not a loophole.

14:31 Most financial pros aren’t fiduciaries—skepticism is essential.

16:01 “Don’t trust until you verify.” Reagan said it. So did we.

16:49 How to ask questions: phone, email, voice recordings.

17:48 Caller David: If Bitcoin is hoarded, how can it be useful?

18:59 Answer: Greater Fool Theory. Crypto is speculation, not utility.

20:38 Bitcoin has finite supply… but still doesn’t work like a true currency.

22:08 Bitcoin’s two real uses: speculation and shadowy transactions.

23:15 For Bitcoin to be a true currency, it must be widely accepted. It’s not.

24:48 Caller Ellen: Trust issues with her advisor—she feels ignored.

25:30 She pays 1%, holds Schwab ETFs, and gets canned responses.

27:27 Communication is key. Cost may be fair, but service is falling short.

28:42 Good advice starts with you, not a pitch. Her guy sounds like an AUM chaser.

31:39 Advisors matter in retirement too—good ones prevent dumb mistakes.

32:55 Ellen asks: do fees still make sense once I start withdrawing money?

34:44 Caller Bill: Confused about the pro-rata rule for Roth conversions.

36:24 Quick pro-rata explainer: if your IRA is mixed, you pay taxes proportionally.

37:10 If you’re willing to pay tax on the full amount, IRS is fine with that.

38:36 “Just 86 the whole thing” – don’t sweat a few grand in basis from 1987.
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]]> Don McDonald 2a6899bc-2eb4-11f1-b6ec-230641c42725 Wed, 30 Jul 2025 14:16:00 -0400 2519 false Why So High? Why So High?
0:04 Market’s up, headlines are down—why? No one knows, and that’s the point

1:15 The caffeinated squirrel rally and your brother’s market anxiety

2:55 The market looks ahead—it’s not reacting to the news you just read

5:12 Global diversification pays off: international small cap value shines

7:20 Caller: Million-dollar 529 leftovers—can kids gift unused funds to parents?

11:46 Most impressive 529 balance ever? Don and Tom are stunned

12:08 Caller: Classic car prices collapse—HAGI Index and collectible declines

15:19 Watches, comics, wine, art—all taking hits. Even Beanie Babies.

16:03 Caller: What’s the timeline after submitting a financial plan request?

19:00 Tangled web of accounts—Brooke (aka Sherry) needs a full portfolio untangling

20:42 Don’s family vacation: heat, pools, and a surprising Disney dinner treat

22:03 Disney Springs’ Boathouse = #2 grossing restaurant in the U.S.

23:19 Caller: Long-term care worries and catastrophic coverage that doesn’t exist

25:30 Hybrid insurance pitches: Why you should be skeptical

29:54 The reality of LTC premiums and why investing might be the better route

30:03 A Mitch Albom moment: A caller’s touching message on the power of good advice

31:57 Caller: 401(k) loan vs. signature loan to fund $8K home repair

35:51 Caller: 2 years cancer-free—celebrating health and financial proactivity

36:58 Caller: What’s the ideal retirement savings multiple by age 60?
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]]>
0:04 Market’s up, headlines are down—why? No one knows, and that’s the point

1:15 The caffeinated squirrel rally and your brother’s market anxiety

2:55 The market looks ahead—it’s not reacting to the news you just read

5:12 Global diversification pays off: international small cap value shines

7:20 Caller: Million-dollar 529 leftovers—can kids gift unused funds to parents?

11:46 Most impressive 529 balance ever? Don and Tom are stunned

12:08 Caller: Classic car prices collapse—HAGI Index and collectible declines

15:19 Watches, comics, wine, art—all taking hits. Even Beanie Babies.

16:03 Caller: What’s the timeline after submitting a financial plan request?

19:00 Tangled web of accounts—Brooke (aka Sherry) needs a full portfolio untangling

20:42 Don’s family vacation: heat, pools, and a surprising Disney dinner treat

22:03 Disney Springs’ Boathouse = #2 grossing restaurant in the U.S.

23:19 Caller: Long-term care worries and catastrophic coverage that doesn’t exist

25:30 Hybrid insurance pitches: Why you should be skeptical

29:54 The reality of LTC premiums and why investing might be the better route

30:03 A Mitch Albom moment: A caller’s touching message on the power of good advice

31:57 Caller: 401(k) loan vs. signature loan to fund $8K home repair

35:51 Caller: 2 years cancer-free—celebrating health and financial proactivity

36:58 Caller: What’s the ideal retirement savings multiple by age 60?
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]]> Don McDonald ad7a37fc-2eb4-11f1-b6ec-b7a7669a6467 Tue, 29 Jul 2025 12:26:00 -0400 2487 false Can't Stop Progress Can't Stop Progress
0:04 Don opens solo and explains how AI (Cath) became his creative partner

1:20 What ChatGPT is, how it works, and how Don uses it for image creation

4:21 AI and the threat to human jobs—especially white-collar roles

5:16 Is creativity really safe from AI disruption?

6:31 Which U.S. jobs are most at risk (customer service, admin, legal, finance)

7:30 Why current AI customer service sucks (and why Cath doesn’t)

9:05 How young people can future-proof their careers through skills and mindset

10:15 Education technology as a “human + AI” job model

10:33 Hands-on and empathetic jobs that AI struggles to replace

11:47 The difference between mimicking and actually being intelligent

12:06 Specific industries most ripe for AI displacement

13:15 AI’s surprising takeover of journalism and nonfiction writing

13:52 Should we be alarmed by how fast AI is replacing human tasks?

14:55 AI 2027 report: Doomsday prediction or useful wake-up call?

16:22 Ethical concerns, adversarial use (like China), and global AI regulation

17:36 What kids (and grandkids) can do now to stay ahead of AI disruption

18:06 Should we still teach coding if AI can write code?

18:56 Is GPT-4.0 helping write GPT-5.0?

19:40 How AI voices became so eerily realistic

20:46 Ways everyday people can use AI subscriptions for personal growth

22:07 Do users own what they make with AI? (Yes)

22:31 Did AI “steal” the content it was trained on?

23:58 Final thoughts: from Luddites to large language models—adapt or get replaced

26:21 A call for thoughtful oversight and a little healthy skepticism
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]]>
0:04 Don opens solo and explains how AI (Cath) became his creative partner

1:20 What ChatGPT is, how it works, and how Don uses it for image creation

4:21 AI and the threat to human jobs—especially white-collar roles

5:16 Is creativity really safe from AI disruption?

6:31 Which U.S. jobs are most at risk (customer service, admin, legal, finance)

7:30 Why current AI customer service sucks (and why Cath doesn’t)

9:05 How young people can future-proof their careers through skills and mindset

10:15 Education technology as a “human + AI” job model

10:33 Hands-on and empathetic jobs that AI struggles to replace

11:47 The difference between mimicking and actually being intelligent

12:06 Specific industries most ripe for AI displacement

13:15 AI’s surprising takeover of journalism and nonfiction writing

13:52 Should we be alarmed by how fast AI is replacing human tasks?

14:55 AI 2027 report: Doomsday prediction or useful wake-up call?

16:22 Ethical concerns, adversarial use (like China), and global AI regulation

17:36 What kids (and grandkids) can do now to stay ahead of AI disruption

18:06 Should we still teach coding if AI can write code?

18:56 Is GPT-4.0 helping write GPT-5.0?

19:40 How AI voices became so eerily realistic

20:46 Ways everyday people can use AI subscriptions for personal growth

22:07 Do users own what they make with AI? (Yes)

22:31 Did AI “steal” the content it was trained on?

23:58 Final thoughts: from Luddites to large language models—adapt or get replaced

26:21 A call for thoughtful oversight and a little healthy skepticism
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]]> Don McDonald 7ec7a692-2eb4-11f1-b6ec-eb03c25fda91 Mon, 28 Jul 2025 12:24:00 -0400 1716 false Question Day! Question Day!
0:04 Don rails against yet another Freaky Friday reboot

0:58 Why diversification beats chasing past winners like VTI or VONG

3:41 Small-cap and value tilt: the long-term case

4:45 Why international stocks still matter (volatility control > return chasing)

5:58 Bond options in a 401(k): FXNAX vs. stable value vs. combo

6:59 Should you count brokerage and HSA balances in your allocation mix?

8:20 Stable value is not "guaranteed" value—what you need to know

10:09 Can you tax-loss harvest in two different brokerage accounts? (Yes!)

12:51 FBGRX: Not terrible, just suboptimal. Here’s what to do instead
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]]>
0:04 Don rails against yet another Freaky Friday reboot

0:58 Why diversification beats chasing past winners like VTI or VONG

3:41 Small-cap and value tilt: the long-term case

4:45 Why international stocks still matter (volatility control > return chasing)

5:58 Bond options in a 401(k): FXNAX vs. stable value vs. combo

6:59 Should you count brokerage and HSA balances in your allocation mix?

8:20 Stable value is not "guaranteed" value—what you need to know

10:09 Can you tax-loss harvest in two different brokerage accounts? (Yes!)

12:51 FBGRX: Not terrible, just suboptimal. Here’s what to do instead
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]]> Don McDonald 86affb52-2eb4-11f1-b6ec-9b3249a1db2b Fri, 25 Jul 2025 12:01:00 -0400 1063 false The Value of Rethinking The Value of Rethinking
0:04 Flexibility in finance: Why it’s okay to change your mind

1:16 Christine Benz says she’s rethinking the DIY retirement approach

2:48 The underrated value of real financial advice (Vanguard Alpha)

3:51 Why advice matters more in retirement than during accumulation

5:36 All-in-one funds like target date strategies get a new look

6:41 Trick: Adjust your target date fund based on risk tolerance

7:47 Target date glide path flattens at retirement (~50% stock)

8:24 TIPS funds vs. laddering: Christine’s third “meh” shift

9:53 Equities = effective inflation hedge; tips may be redundant

10:29 Don’s personal changes: Target date funds and 4% rule flexibility

12:07 Vanguard survey: Advisors = peace of mind + time savings

13:23 Money and emotion: #1 cause of murder and divorce

14:57 Listener Q: What to do with a low-cost deferred annuity at Fidelity

17:09 Stop obsessing over who pays taxes—spend and enjoy

19:20 Listener Q: Bitcoin vs. dollars—why price comparisons fail

20:07 Bitcoin isn’t a currency. It’s just volatile

20:31 Listener Q: Are JEPI/JEPQ “safe” for dividends? Nope

22:04 Covered call ETFs carry hidden risks and higher costs

23:50 Listener Q: Why use bond funds instead of CDs or money market?

25:03 Bond funds vs. CDs: risk, return, and long-term expectations

27:08 Don’s rant: Stop trying to game the system—good enough is good enough
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]]>
0:04 Flexibility in finance: Why it’s okay to change your mind

1:16 Christine Benz says she’s rethinking the DIY retirement approach

2:48 The underrated value of real financial advice (Vanguard Alpha)

3:51 Why advice matters more in retirement than during accumulation

5:36 All-in-one funds like target date strategies get a new look

6:41 Trick: Adjust your target date fund based on risk tolerance

7:47 Target date glide path flattens at retirement (~50% stock)

8:24 TIPS funds vs. laddering: Christine’s third “meh” shift

9:53 Equities = effective inflation hedge; tips may be redundant

10:29 Don’s personal changes: Target date funds and 4% rule flexibility

12:07 Vanguard survey: Advisors = peace of mind + time savings

13:23 Money and emotion: #1 cause of murder and divorce

14:57 Listener Q: What to do with a low-cost deferred annuity at Fidelity

17:09 Stop obsessing over who pays taxes—spend and enjoy

19:20 Listener Q: Bitcoin vs. dollars—why price comparisons fail

20:07 Bitcoin isn’t a currency. It’s just volatile

20:31 Listener Q: Are JEPI/JEPQ “safe” for dividends? Nope

22:04 Covered call ETFs carry hidden risks and higher costs

23:50 Listener Q: Why use bond funds instead of CDs or money market?

25:03 Bond funds vs. CDs: risk, return, and long-term expectations

27:08 Don’s rant: Stop trying to game the system—good enough is good enough
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]]> Don McDonald b299a9d4-2eb4-11f1-b6ec-cfaa36a71905 Thu, 24 Jul 2025 12:01:00 -0400 1895 false 60/40: Down, Not Out 60/40: Down, Not Out
0:04 The truth about balanced portfolios and the 60/40 myth

1:50 Why bonds failed in 2022—and what 150 years of history say about diversification

3:27 Bear markets: 60/40 vs. all stocks during crises like the Great Depression

4:53 Trade-offs: long-term growth vs. sticking with the plan

6:49 Financial Flinch Reflex: the PSA ad returns

7:09 Caller John asks: “What’s so bad about fixed indexed annuities?”

8:00 Don unloads: high fees, misleading returns, and awful disclosures

10:11 John presses for alternatives: what’s safe and simple with decent return?

13:02 Don’s CD ladder strategy vs. annuities

15:08 Why opacity, commissions, and complexity make these products unsuitable for most

16:21 Caller Charles: a planner wants to manage his annuity—for a fee

17:21 Why even “fixed” annuities might not belong in fiduciary portfolios

20:47 The growing gray area: commissions vs. fiduciary care

22:17 Ranking annuities: worst to best (indexed, variable, fixed, immediate)

24:58 Summary: “Lazy products” sold for commission, not client success

26:39 Caller Brian: NY teacher strategizes 403(b), 457, Roth, and future pension

28:29 Navigating new Roth rules, Rule of 55, and using a 7% fixed option

30:15 Don and Tom: stick with pre-tax now, convert later in lower-bracket retirement

33:02 Mechanics of Roth catch-ups: plan providers still in the dark

35:29 Birthday freebies! Tacos, cookies, burgers… and existential dread

36:57 Red Robin, Denny’s, and the pursuit of the free Grand Slam

38:06 Book chat: Don’s still slogging through the Franklin bio

39:13 Must-watch: Mr. Bates vs. the Post Office on PBS
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]]>
0:04 The truth about balanced portfolios and the 60/40 myth

1:50 Why bonds failed in 2022—and what 150 years of history say about diversification

3:27 Bear markets: 60/40 vs. all stocks during crises like the Great Depression

4:53 Trade-offs: long-term growth vs. sticking with the plan

6:49 Financial Flinch Reflex: the PSA ad returns

7:09 Caller John asks: “What’s so bad about fixed indexed annuities?”

8:00 Don unloads: high fees, misleading returns, and awful disclosures

10:11 John presses for alternatives: what’s safe and simple with decent return?

13:02 Don’s CD ladder strategy vs. annuities

15:08 Why opacity, commissions, and complexity make these products unsuitable for most

16:21 Caller Charles: a planner wants to manage his annuity—for a fee

17:21 Why even “fixed” annuities might not belong in fiduciary portfolios

20:47 The growing gray area: commissions vs. fiduciary care

22:17 Ranking annuities: worst to best (indexed, variable, fixed, immediate)

24:58 Summary: “Lazy products” sold for commission, not client success

26:39 Caller Brian: NY teacher strategizes 403(b), 457, Roth, and future pension

28:29 Navigating new Roth rules, Rule of 55, and using a 7% fixed option

30:15 Don and Tom: stick with pre-tax now, convert later in lower-bracket retirement

33:02 Mechanics of Roth catch-ups: plan providers still in the dark

35:29 Birthday freebies! Tacos, cookies, burgers… and existential dread

36:57 Red Robin, Denny’s, and the pursuit of the free Grand Slam

38:06 Book chat: Don’s still slogging through the Franklin bio

39:13 Must-watch: Mr. Bates vs. the Post Office on PBS
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]]> Don McDonald bd22716a-2eb4-11f1-b6ec-136db00b3a09 Wed, 23 Jul 2025 12:01:00 -0400 2452 false Small Stocks, Big Upside Small Stocks, Big Upside
0:05 Don kicks things off with a musical flashback: The Who’s “Bargain” sets the tone for a segment on what may be today’s biggest investing bargain—small value stocks.

2:00 The S&P 500 has averaged 13.2% annually since 2014; small caps lag at 7.2%. Investors are fleeing small-cap ETFs just as they may be poised for reversion to the mean.

3:30 The top five stocks in the S&P 500 are now five times larger than the entire Russell 2000. That kind of imbalance can’t last forever.

5:08 Historically, small-cap value has outperformed large growth by ~4% annually over 100 years—yet most investors are overexposed to U.S. large-cap growth.

8:08 Instead of market timing, build a balanced portfolio based on your risk tolerance. Consider overweighting small and value, but don’t ditch large caps entirely.

9:23 Even the worst year for small caps (2008, -34%) wasn’t as bad as the S&P’s peak-to-trough crash (-57%). Diversification isn’t just smart—it’s safer.

10:23 For equity allocation: a 1/3 split between large U.S., small U.S., and international may be simple, but effective.

11:59 Eugene from Baltimore has a $5M+ portfolio generating massive taxable income. Don and Tom recommend municipal bonds and more tax-efficient ETFs.

17:45 Mutual fund to ETF conversions (like those offered by Vanguard and Dimensional) could reduce Eugene’s tax bill without triggering capital gains.

22:43 BJ from San Antonio holds a pricey Invesco fund (SMMIX) full of big tech—essentially a closet index fund with an 0.85% fee. Time to switch to low-cost, diversified ETFs.

25:38 Vanguard’s VUG offers the same exposure with more holdings and a 0.04% fee—plus it’s transparent, predictable, and consistent.

28:43 Ron in Lakeland wonders if he should copy his wife’s ETFs. If your household has a unified asset allocation plan, identical holdings across accounts are fine.

31:27 Jerry from Lacey, WA asks whether to keep doing Roth conversions or start Social Security now. Don and Tom advise continuing tax-efficient conversions, possibly up to the 22% bracket, but not beyond. Also watch out for income thresholds that affect benefits like the $6K tax rebate.

35:46 Sherry (dropped call) inherited $4M in Microsoft. Diversify! But do it with a tax strategy and professional help.

36:49 Don reacts to a nauseating LinkedIn post by Jordan Belfort, reminding us that glorifying financial predators only feeds industry corruption.
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]]>
0:05 Don kicks things off with a musical flashback: The Who’s “Bargain” sets the tone for a segment on what may be today’s biggest investing bargain—small value stocks.

2:00 The S&P 500 has averaged 13.2% annually since 2014; small caps lag at 7.2%. Investors are fleeing small-cap ETFs just as they may be poised for reversion to the mean.

3:30 The top five stocks in the S&P 500 are now five times larger than the entire Russell 2000. That kind of imbalance can’t last forever.

5:08 Historically, small-cap value has outperformed large growth by ~4% annually over 100 years—yet most investors are overexposed to U.S. large-cap growth.

8:08 Instead of market timing, build a balanced portfolio based on your risk tolerance. Consider overweighting small and value, but don’t ditch large caps entirely.

9:23 Even the worst year for small caps (2008, -34%) wasn’t as bad as the S&P’s peak-to-trough crash (-57%). Diversification isn’t just smart—it’s safer.

10:23 For equity allocation: a 1/3 split between large U.S., small U.S., and international may be simple, but effective.

11:59 Eugene from Baltimore has a $5M+ portfolio generating massive taxable income. Don and Tom recommend municipal bonds and more tax-efficient ETFs.

17:45 Mutual fund to ETF conversions (like those offered by Vanguard and Dimensional) could reduce Eugene’s tax bill without triggering capital gains.

22:43 BJ from San Antonio holds a pricey Invesco fund (SMMIX) full of big tech—essentially a closet index fund with an 0.85% fee. Time to switch to low-cost, diversified ETFs.

25:38 Vanguard’s VUG offers the same exposure with more holdings and a 0.04% fee—plus it’s transparent, predictable, and consistent.

28:43 Ron in Lakeland wonders if he should copy his wife’s ETFs. If your household has a unified asset allocation plan, identical holdings across accounts are fine.

31:27 Jerry from Lacey, WA asks whether to keep doing Roth conversions or start Social Security now. Don and Tom advise continuing tax-efficient conversions, possibly up to the 22% bracket, but not beyond. Also watch out for income thresholds that affect benefits like the $6K tax rebate.

35:46 Sherry (dropped call) inherited $4M in Microsoft. Diversify! But do it with a tax strategy and professional help.

36:49 Don reacts to a nauseating LinkedIn post by Jordan Belfort, reminding us that glorifying financial predators only feeds industry corruption.
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]]> Don McDonald 795b8246-2eb4-11f1-b6ec-b38a61a62859 Tue, 22 Jul 2025 12:01:00 -0400 2471 false Big and Beautiful? Big and Beautiful?
0:04 Intro: “Dearly beloved…” it’s tax time

1:10 Overview of the “Big Beautiful Bill” and $4T impact

1:25 Tips and OT tax exemptions starting in 2025

2:09 Social Security tax break: $6K per person if under income limits

3:28 Standard deduction and new child tax credits

4:13 $1,000 newborn savings account—free government money

5:17 SALT deduction expanded to $40K for four years

6:44 Property and sales tax deductions clarified

7:48 Guilt over tax breaks? Try a Roth gift for the grandkids

8:27 The “kid account” vs. 529 plans vs. UGMA

10:58 Trade school > AI: real jobs that can’t be outsourced

12:42 Don rants on political pandering in the bill

13:47 Listener Q1: 401(k) rollover and asset protection in Washington

16:17 IRA protections state-by-state

16:52 Listener Q2: Does rebalancing mean switching investments?

18:34 Rebalancing means returning to plan, not chasing trends

20:04 Show plug: Owen Wilson’s helium speculation on “Stick”

21:28 Listener Q3: Is this Vanguard robo-portfolio too lazy?

22:47 Why it’s impossible to rebalance between Roth and IRA accounts

23:58 Listener Q4: What’s really inside DFAW? Core 1 vs. Core 2

27:26 Core 2 = more small/value tilt; DFAW ≈ AVGE

28:26 Expense ratio difference between DFAW and AVGE is negligible
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]]>
0:04 Intro: “Dearly beloved…” it’s tax time

1:10 Overview of the “Big Beautiful Bill” and $4T impact

1:25 Tips and OT tax exemptions starting in 2025

2:09 Social Security tax break: $6K per person if under income limits

3:28 Standard deduction and new child tax credits

4:13 $1,000 newborn savings account—free government money

5:17 SALT deduction expanded to $40K for four years

6:44 Property and sales tax deductions clarified

7:48 Guilt over tax breaks? Try a Roth gift for the grandkids

8:27 The “kid account” vs. 529 plans vs. UGMA

10:58 Trade school > AI: real jobs that can’t be outsourced

12:42 Don rants on political pandering in the bill

13:47 Listener Q1: 401(k) rollover and asset protection in Washington

16:17 IRA protections state-by-state

16:52 Listener Q2: Does rebalancing mean switching investments?

18:34 Rebalancing means returning to plan, not chasing trends

20:04 Show plug: Owen Wilson’s helium speculation on “Stick”

21:28 Listener Q3: Is this Vanguard robo-portfolio too lazy?

22:47 Why it’s impossible to rebalance between Roth and IRA accounts

23:58 Listener Q4: What’s really inside DFAW? Core 1 vs. Core 2

27:26 Core 2 = more small/value tilt; DFAW ≈ AVGE

28:26 Expense ratio difference between DFAW and AVGE is negligible
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]]> Don McDonald c35a3946-2eb4-11f1-b6ec-87bc742a9ea0 Mon, 21 Jul 2025 12:01:00 -0400 1955 false Suze Q and A Suze Q and A
0:04 Summer slowdown in listener questions and podcast downloads

1:21 Don’s theory: why the South works less and the North built the Fortune 500

2:30 Suze Orman says sell treasuries, buy Pfizer—Don (and Chuck Jaffe) respond

4:58 How to send in your questions—Don needs more spoken ones

5:04 Listener Q1: Does the 4% rule assume you’ll run out at 95?

6:49 Don explains the assumptions behind the 4% rule and how it holds up historically

8:35 Q2 follow-up: What if I’m 50/50, not 60/40? Adjusting withdrawal expectations

9:59 Real-world historical 4% rule example from 1994 to 2024

11:03 Listener Q2: Building and eventually using a taxable brokerage account

13:50 Don’s advice: broader diversification, bigger emergency fund, and smart drawdown tactics

15:26 Listener Q3: Bob Carlson’s fear-based sales pitch—is it legit or just sleaze?

16:56 Don explains how insurance reps avoid disclosure rules and push high-commission junk

19:14 Why the radio is filled with non-fiduciary insurance hustlers

22:09 How to get real help, real answers, and real fiduciary advice—for free

22:36 Don’s final ask: bring Talking Real Money to your summer campfire






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]]>
0:04 Summer slowdown in listener questions and podcast downloads

1:21 Don’s theory: why the South works less and the North built the Fortune 500

2:30 Suze Orman says sell treasuries, buy Pfizer—Don (and Chuck Jaffe) respond

4:58 How to send in your questions—Don needs more spoken ones

5:04 Listener Q1: Does the 4% rule assume you’ll run out at 95?

6:49 Don explains the assumptions behind the 4% rule and how it holds up historically

8:35 Q2 follow-up: What if I’m 50/50, not 60/40? Adjusting withdrawal expectations

9:59 Real-world historical 4% rule example from 1994 to 2024

11:03 Listener Q2: Building and eventually using a taxable brokerage account

13:50 Don’s advice: broader diversification, bigger emergency fund, and smart drawdown tactics

15:26 Listener Q3: Bob Carlson’s fear-based sales pitch—is it legit or just sleaze?

16:56 Don explains how insurance reps avoid disclosure rules and push high-commission junk

19:14 Why the radio is filled with non-fiduciary insurance hustlers

22:09 How to get real help, real answers, and real fiduciary advice—for free

22:36 Don’s final ask: bring Talking Real Money to your summer campfire






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]]> Don McDonald cfcd132e-2eb4-11f1-b6ec-af4909ffd72e Fri, 18 Jul 2025 16:17:00 -0400 1467 false ETF Madness ETF Madness
0:17 ETFs as sport? Jason Zweig’s takedown of gimmicky, risky ETFs

1:29 Iceland ETF, HVAC stocks, and crude oil transport—this isn’t investing

3:35 GLCR: The Iceland ETF with a 1% fee and a chilly 35-stock portfolio

5:09 Diversification vs. “D-versification” and the illusion of ETF safety

5:40 Why investing shouldn’t feel exciting—and what that says about us

6:50 Zweig’s gambling metaphor and why “just 5%” is still real money

8:56 Listener Eugene on inheriting IRAs and disclaiming taxable accounts

12:25 Legal disclaimers: IRS Rule 2518, timing, and why PODs are cleaner

15:23 Estate attorney reminders and state law disclaiming quirks

17:24 Sammamish listener Jason on VXUS vs. VEA for international exposure

18:56 Tesla talk: Waiting for $400, fears, and the balance sheet debate

22:03 Listener Chris from Yelm: Deferred comp vs. dividend stocks

26:34 Chris needs a real plan, not just portfolio improvisation

29:40 Strategy: Spend from taxable, defer the deferred

33:03 Listener Joni from Illinois: Maxing contributions and Roth eligibility

35:58 Congress’ oddly specific 60–63 catch-up rules and K Street lobbying
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]]>
0:17 ETFs as sport? Jason Zweig’s takedown of gimmicky, risky ETFs

1:29 Iceland ETF, HVAC stocks, and crude oil transport—this isn’t investing

3:35 GLCR: The Iceland ETF with a 1% fee and a chilly 35-stock portfolio

5:09 Diversification vs. “D-versification” and the illusion of ETF safety

5:40 Why investing shouldn’t feel exciting—and what that says about us

6:50 Zweig’s gambling metaphor and why “just 5%” is still real money

8:56 Listener Eugene on inheriting IRAs and disclaiming taxable accounts

12:25 Legal disclaimers: IRS Rule 2518, timing, and why PODs are cleaner

15:23 Estate attorney reminders and state law disclaiming quirks

17:24 Sammamish listener Jason on VXUS vs. VEA for international exposure

18:56 Tesla talk: Waiting for $400, fears, and the balance sheet debate

22:03 Listener Chris from Yelm: Deferred comp vs. dividend stocks

26:34 Chris needs a real plan, not just portfolio improvisation

29:40 Strategy: Spend from taxable, defer the deferred

33:03 Listener Joni from Illinois: Maxing contributions and Roth eligibility

35:58 Congress’ oddly specific 60–63 catch-up rules and K Street lobbying
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]]> Don McDonald af671378-2eb4-11f1-b6ec-9be217bdd595 Wed, 16 Jul 2025 14:08:00 -0400 2457 false Melt-Up or Melt-Down? Melt-Up or Melt-Down?
0:04 Perspective from aging: we’ve heard “this time is different” before

1:58 AI panic, financial fragmentation, and inflation—Bloomberg’s argument

3:31 Don and Tom challenge claims of “new” market conditions

5:08 AI voice cameo: Cath makes her show debut

6:05 What should investors do if things are different?

9:00 NYT’s Jeff Sommer warns of a potential market “melt-up”

10:08 Irrational exuberance: unprofitable stocks soaring

12:57 Why risk still pays: stocks go up and down

15:02 Smooth ≠ profitable: bonds are boring, stocks reward fear

18:23 Listener asks: Why own international if U.S. wins?

20:34 Diversification vs. chasing past performance

23:42 Call: ETFs vs. mutual funds inside retirement accounts

29:36 Call: Should a 79-year-old convert to a Roth?

36:53 Call: Asset location strategy and inherited IRA cash flow

41:36 Don’s final advice: no tax tricks—just make a plan
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]]>
0:04 Perspective from aging: we’ve heard “this time is different” before

1:58 AI panic, financial fragmentation, and inflation—Bloomberg’s argument

3:31 Don and Tom challenge claims of “new” market conditions

5:08 AI voice cameo: Cath makes her show debut

6:05 What should investors do if things are different?

9:00 NYT’s Jeff Sommer warns of a potential market “melt-up”

10:08 Irrational exuberance: unprofitable stocks soaring

12:57 Why risk still pays: stocks go up and down

15:02 Smooth ≠ profitable: bonds are boring, stocks reward fear

18:23 Listener asks: Why own international if U.S. wins?

20:34 Diversification vs. chasing past performance

23:42 Call: ETFs vs. mutual funds inside retirement accounts

29:36 Call: Should a 79-year-old convert to a Roth?

36:53 Call: Asset location strategy and inherited IRA cash flow

41:36 Don’s final advice: no tax tricks—just make a plan
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]]> Don McDonald b191a6cc-2eb4-11f1-b6ec-73f37f74d9db Tue, 15 Jul 2025 12:22:00 -0400 2671 false Income Generation Income Generation
0:04 Tom’s Canadian re-entry, Uber tally, and chocolate croissant confessions

1:27 Intro to retirement income strategies: the great withdrawal confusion

2:52 Strategy #1: Living off dividends—why it’s flawed and risky

5:19 Strategy #2: Total return—rebalancing for sustainable income

8:07 Strategy #3: Hybrid approach—Don’s skeptical take

10:51 Listener Q&A: Best way to gift a Roth IRA to a 30-year-old niece

12:01 IRA inheritance rule: what happens if the inheritor dies

13:33 Paul Merriman’s international small-cap comment clarified

16:44 Federal retiree asks about withdrawal order; daughter’s international allocation

24:28 Long-term care insurance: practical planning or expensive gamble?

27:35 How to get a free, pressure-free portfolio review from the team
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]]>
0:04 Tom’s Canadian re-entry, Uber tally, and chocolate croissant confessions

1:27 Intro to retirement income strategies: the great withdrawal confusion

2:52 Strategy #1: Living off dividends—why it’s flawed and risky

5:19 Strategy #2: Total return—rebalancing for sustainable income

8:07 Strategy #3: Hybrid approach—Don’s skeptical take

10:51 Listener Q&A: Best way to gift a Roth IRA to a 30-year-old niece

12:01 IRA inheritance rule: what happens if the inheritor dies

13:33 Paul Merriman’s international small-cap comment clarified

16:44 Federal retiree asks about withdrawal order; daughter’s international allocation

24:28 Long-term care insurance: practical planning or expensive gamble?

27:35 How to get a free, pressure-free portfolio review from the team
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]]> Don McDonald 7fc047de-2eb4-11f1-b6ec-1b9918be712a Mon, 14 Jul 2025 13:16:00 -0400 1923 false Big Q&A DAY Big Q&A DAY
0:04 Intro – Friday Q&A episode with a goal: 6 questions in one show

1:18 How to ask your questions (and why spoken questions get on air)

2:55 Rachel (NC): Friend sold a $7,000+/yr universal life policy — is it a scam? (Yes)

4:09 Breakdown of how much goes to commissions, costs, and investments in year one

6:44 Better choice: Buy term and invest the difference

8:47 Backdoor Roth IRA Timing: Can I convert a 2025 non-deductible IRA in 2026 and still have it count for 2025? (Sort of, but not really)

11:08 Andrew: Used a limit order during market dip to rebalance — did it work or just get lucky?

14:22 Why timing systems (even “disciplined” ones) fail over time

15:23 S&P 500 Addition Bump: Can you profit from companies added to the index? (Unlikely)

17:37 Tesla example and the dangers of trying to front-run institutional traders

18:22 Casey in Albuquerque: What does rebalancing really mean? (All of it—stocks/bonds, small/large, U.S./intl.)

21:21 Eric: Can you offset inherited IRA RMDs by making IRA/401(k) contributions with that income? (Yes, if within limits)
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]]>
0:04 Intro – Friday Q&A episode with a goal: 6 questions in one show

1:18 How to ask your questions (and why spoken questions get on air)

2:55 Rachel (NC): Friend sold a $7,000+/yr universal life policy — is it a scam? (Yes)

4:09 Breakdown of how much goes to commissions, costs, and investments in year one

6:44 Better choice: Buy term and invest the difference

8:47 Backdoor Roth IRA Timing: Can I convert a 2025 non-deductible IRA in 2026 and still have it count for 2025? (Sort of, but not really)

11:08 Andrew: Used a limit order during market dip to rebalance — did it work or just get lucky?

14:22 Why timing systems (even “disciplined” ones) fail over time

15:23 S&P 500 Addition Bump: Can you profit from companies added to the index? (Unlikely)

17:37 Tesla example and the dangers of trying to front-run institutional traders

18:22 Casey in Albuquerque: What does rebalancing really mean? (All of it—stocks/bonds, small/large, U.S./intl.)

21:21 Eric: Can you offset inherited IRA RMDs by making IRA/401(k) contributions with that income? (Yes, if within limits)
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]]> Don McDonald afc22e52-2eb4-11f1-b6ec-5b9d5693af5d Fri, 11 Jul 2025 13:20:00 -0400 1567 false Vanguard's Advisor Alpha Vanguard's Advisor Alpha
0:04 Don introduces rare guest: Mike DeJoseph of Vanguard

0:35 The origin of Vanguard’s Advisor’s Alpha paper

1:27 What is alpha? And what makes it positive for advisors

2:49 Advisor value beyond investment products

3:36 Explaining alpha in terms of benchmarks and behavior

5:05 Why investment alpha is rare, but advisor alpha isn’t

6:25 Positive-sum vs. zero-sum advice outcomes

7:37 Misunderstanding the 3% alpha number

9:48 Behavior, taxes, and cost drag reduce investor returns

11:06 How advisors improve tax allocation and drawdown

11:55 3% does not include asset allocation or manager selection

12:06 Why active manager outperformance remains elusive

13:17 Vanguard’s history with active management and costs

14:45 Active equity vs. active bond management

16:14 What makes an advisor “great,” not just good

17:39 Helping clients align money with values

18:27 Behavioral coaching during market downturns

21:07 Holistic financial advice vs. performance promises

21:47 Why 100% fiduciary advisors are rare—and how to spot one

22:45 Advisor compensation models: from commission to fees

24:06 Shocking stat: commissions down from 80% to 10% since 2010

25:16 How smart investors forced the industry to change

26:44 What a 3% fee does to advisor alpha

28:34 Overcharging kills word-of-mouth trust

29:43 What bad advisor behavior looks like

31:45 Vanguard’s approach to advisor education and ethics

33:41 Where the industry goes next: better advice, better business

34:19 AI’s role in improving advice, not replacing it

36:36 Tech that enhances human connection and insight

37:22 The future: more therapist, less product-seller

37:55 Final advice: if they talk about returns, walk away

38:44 Mike reflects on working with great advisors—and Vanguard’s mission
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]]>
0:04 Don introduces rare guest: Mike DeJoseph of Vanguard

0:35 The origin of Vanguard’s Advisor’s Alpha paper

1:27 What is alpha? And what makes it positive for advisors

2:49 Advisor value beyond investment products

3:36 Explaining alpha in terms of benchmarks and behavior

5:05 Why investment alpha is rare, but advisor alpha isn’t

6:25 Positive-sum vs. zero-sum advice outcomes

7:37 Misunderstanding the 3% alpha number

9:48 Behavior, taxes, and cost drag reduce investor returns

11:06 How advisors improve tax allocation and drawdown

11:55 3% does not include asset allocation or manager selection

12:06 Why active manager outperformance remains elusive

13:17 Vanguard’s history with active management and costs

14:45 Active equity vs. active bond management

16:14 What makes an advisor “great,” not just good

17:39 Helping clients align money with values

18:27 Behavioral coaching during market downturns

21:07 Holistic financial advice vs. performance promises

21:47 Why 100% fiduciary advisors are rare—and how to spot one

22:45 Advisor compensation models: from commission to fees

24:06 Shocking stat: commissions down from 80% to 10% since 2010

25:16 How smart investors forced the industry to change

26:44 What a 3% fee does to advisor alpha

28:34 Overcharging kills word-of-mouth trust

29:43 What bad advisor behavior looks like

31:45 Vanguard’s approach to advisor education and ethics

33:41 Where the industry goes next: better advice, better business

34:19 AI’s role in improving advice, not replacing it

36:36 Tech that enhances human connection and insight

37:22 The future: more therapist, less product-seller

37:55 Final advice: if they talk about returns, walk away

38:44 Mike reflects on working with great advisors—and Vanguard’s mission
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]]> Don McDonald c4d83a0c-2eb4-11f1-b6ec-3fc6609e031c Thu, 10 Jul 2025 11:21:00 -0400 2476 false Burgers for Bitcoin Burgers for Bitcoin
0:26 Don confronts repeat negative podcast reviewers

1:35 NavRep’s public offer: “Correct your Bitcoin lies and I’ll give 5 stars”

2:31 Bitcoin rebuttal: 15,000 businesses accept it—out of 359 million

5:13 Teaser: Bitcoin conversion fees part 2 coming up after the break

6:26 Don admits his imprecise “nobody accepts Bitcoin” claim

8:19 Clearing up the 8% Bitcoin conversion fee claim—context was ATMs

9:49 Bitcoin ATM fees average 17.5%, sometimes hit 30%

11:04 Exchange conversion under 1% is possible—but not for quick cash

13:10 Volatility and impracticality still make Bitcoin a poor currency

16:00 ChatGPT jokes: “Beer at a Baptist wedding” & “Greg the mower”

16:49 Caller Jason asks ChatGPT for a portfolio; Don and Tom cringe

17:46 ChatGPT suggested a tech-heavy, overly concentrated portfolio

20:40 Better suggestions: VT, AVGE, DFAW—not VUG/SMH/AXON

21:50 Don’s GPT criticizes Jason’s GPT: “No bonds, no value, no real estate”

23:43 Caller Scott nails TRM’s philosophy and nearly retires Don

26:12 The rare “pros” of annuities—and their bigger downsides

28:24 Indexed annuities: regular income taxed as ordinary income

30:02 Betting against the house: how annuity math favors insurers

31:44 Caller Jane asks if ETFs are better than mutual funds

32:05 ETF settlement is faster, but that’s not a reason to choose

33:30 Vanguard accounts support ETFs beyond their own funds

34:51 Updated: mutual funds now settle T+1, ETFs also T+1

36:26 Jane warned about National Life Group’s indexed annuity pitch

37:07 Why Don hates indexed annuities: high fees, low returns, opaque structure

39:27 Still selling like hotcakes: $27B in indexed annuities sold Q1 2025

40:35 Wrap-up: annuities remain unethical despite legality and popularity
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]]>
0:26 Don confronts repeat negative podcast reviewers

1:35 NavRep’s public offer: “Correct your Bitcoin lies and I’ll give 5 stars”

2:31 Bitcoin rebuttal: 15,000 businesses accept it—out of 359 million

5:13 Teaser: Bitcoin conversion fees part 2 coming up after the break

6:26 Don admits his imprecise “nobody accepts Bitcoin” claim

8:19 Clearing up the 8% Bitcoin conversion fee claim—context was ATMs

9:49 Bitcoin ATM fees average 17.5%, sometimes hit 30%

11:04 Exchange conversion under 1% is possible—but not for quick cash

13:10 Volatility and impracticality still make Bitcoin a poor currency

16:00 ChatGPT jokes: “Beer at a Baptist wedding” & “Greg the mower”

16:49 Caller Jason asks ChatGPT for a portfolio; Don and Tom cringe

17:46 ChatGPT suggested a tech-heavy, overly concentrated portfolio

20:40 Better suggestions: VT, AVGE, DFAW—not VUG/SMH/AXON

21:50 Don’s GPT criticizes Jason’s GPT: “No bonds, no value, no real estate”

23:43 Caller Scott nails TRM’s philosophy and nearly retires Don

26:12 The rare “pros” of annuities—and their bigger downsides

28:24 Indexed annuities: regular income taxed as ordinary income

30:02 Betting against the house: how annuity math favors insurers

31:44 Caller Jane asks if ETFs are better than mutual funds

32:05 ETF settlement is faster, but that’s not a reason to choose

33:30 Vanguard accounts support ETFs beyond their own funds

34:51 Updated: mutual funds now settle T+1, ETFs also T+1

36:26 Jane warned about National Life Group’s indexed annuity pitch

37:07 Why Don hates indexed annuities: high fees, low returns, opaque structure

39:27 Still selling like hotcakes: $27B in indexed annuities sold Q1 2025

40:35 Wrap-up: annuities remain unethical despite legality and popularity
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]]> Don McDonald 7bd86142-2eb4-11f1-b6ec-cb85d8651307 Wed, 09 Jul 2025 14:54:00 -0400 2561 false Annuity University Annuity University
0:04 Thunder and fireworks, then a storm of a different kind: fake financial education

1:20 “Retirement Planning University” is not accredited—possibly illegal in Florida

2:38 Florida law: using “university” in a name can be a crime

4:21 Strategic Wealth Investment Group funnels money into their “nonprofit”

6:27 Don breaks down Form 990 and discovers $6.3M in funding with 1.8% used for education

8:50 A never-before-seen conflict disclosure: over a page of indexed annuity conflicts

11:02 Universities that rent space to these events—should they be ashamed?

13:56 Don confesses: used ChatGPT to surface filings, laws, and charity reports faster

15:40 Final verdict: it’s not education—it’s a sophisticated lead funnel

17:18 Caller Jack: Is VT too concentrated in tech megacaps like Apple and Nvidia?

19:22 Don: It’s still globally diversified, but yes, value/small tilts help

21:57 A heartfelt tribute to Tom’s mother-in-law and her one smart money move: LTC insurance

23:01 Caller Mark: Does the new tax bill kill backdoor Roths?

27:18 Don runs the full 900-page bill through GPT—no mention of Roth changes

28:56 Sidebar: elderly elephant tourists and Romanian bear selfies

30:36 Caller Mary: Advisor pitching a 1035 annuity swap to dodge IRMA

34:42 Don and Tom: Just pay the IRMA bump—don’t buy another bad annuity

36:44 The IRMA fear is way overblown; it’s just one year

39:18 Why aren’t these practices banned? Because regulators are stretched thin

40:12 Don taught real adult education classes—but the next “educator” was a broker
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]]>
0:04 Thunder and fireworks, then a storm of a different kind: fake financial education

1:20 “Retirement Planning University” is not accredited—possibly illegal in Florida

2:38 Florida law: using “university” in a name can be a crime

4:21 Strategic Wealth Investment Group funnels money into their “nonprofit”

6:27 Don breaks down Form 990 and discovers $6.3M in funding with 1.8% used for education

8:50 A never-before-seen conflict disclosure: over a page of indexed annuity conflicts

11:02 Universities that rent space to these events—should they be ashamed?

13:56 Don confesses: used ChatGPT to surface filings, laws, and charity reports faster

15:40 Final verdict: it’s not education—it’s a sophisticated lead funnel

17:18 Caller Jack: Is VT too concentrated in tech megacaps like Apple and Nvidia?

19:22 Don: It’s still globally diversified, but yes, value/small tilts help

21:57 A heartfelt tribute to Tom’s mother-in-law and her one smart money move: LTC insurance

23:01 Caller Mark: Does the new tax bill kill backdoor Roths?

27:18 Don runs the full 900-page bill through GPT—no mention of Roth changes

28:56 Sidebar: elderly elephant tourists and Romanian bear selfies

30:36 Caller Mary: Advisor pitching a 1035 annuity swap to dodge IRMA

34:42 Don and Tom: Just pay the IRMA bump—don’t buy another bad annuity

36:44 The IRMA fear is way overblown; it’s just one year

39:18 Why aren’t these practices banned? Because regulators are stretched thin

40:12 Don taught real adult education classes—but the next “educator” was a broker
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]]> Don McDonald ae59ad42-2eb4-11f1-b6ec-1f434341722d Tue, 08 Jul 2025 13:22:00 -0400 2529 false Brokers and Models Brokers and Models
0:04 Dumb money habits and the rise of model portfolios

1:23 Bellevue vs Florida weather showdown

2:34 Classic broker-built portfolio ingredients

3:55 Sprinkling in overpriced “index” funds

5:50 What a model portfolio is (and isn’t)

6:53 Structure vs speculation: why models matter

8:31 Global diversification as a simple model

9:18 The difference between advice and product-pushing

10:24 When “index” doesn’t mean cheap: top offender list

11:55 The 2.33% RIDEX fund shame parade

13:02 The Jill bomber sidetrack takes flight

13:54 Listener Laura’s AVDE allocation dilemma

15:40 Two-fund model: Avantis U.S. + international

17:00 Logistical pronunciation issues and Bolden software

18:42 Rate assumptions for planning software

19:35 Tom’s humor gets roasted in a 5-star review

20:52 Listener Carol’s CD ladder tax question

22:38 Timing vs safety: the truth about “dry powder”

24:36 Mitchell’s $550K variable annuity dilemma

26:10 Why annuity gains aren’t capital gains

27:01 Low-cost annuity, but still no step-up

28:11 The opaque, intentionally confusing nature of insurance

29:41 Scheduling complaints and Don’s one-day-off fantasy

32:12 Programming note: no podcast on market holidays

34:04 Calls, questions, and Jill Bomber sign-off chaos
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]]>
0:04 Dumb money habits and the rise of model portfolios

1:23 Bellevue vs Florida weather showdown

2:34 Classic broker-built portfolio ingredients

3:55 Sprinkling in overpriced “index” funds

5:50 What a model portfolio is (and isn’t)

6:53 Structure vs speculation: why models matter

8:31 Global diversification as a simple model

9:18 The difference between advice and product-pushing

10:24 When “index” doesn’t mean cheap: top offender list

11:55 The 2.33% RIDEX fund shame parade

13:02 The Jill bomber sidetrack takes flight

13:54 Listener Laura’s AVDE allocation dilemma

15:40 Two-fund model: Avantis U.S. + international

17:00 Logistical pronunciation issues and Bolden software

18:42 Rate assumptions for planning software

19:35 Tom’s humor gets roasted in a 5-star review

20:52 Listener Carol’s CD ladder tax question

22:38 Timing vs safety: the truth about “dry powder”

24:36 Mitchell’s $550K variable annuity dilemma

26:10 Why annuity gains aren’t capital gains

27:01 Low-cost annuity, but still no step-up

28:11 The opaque, intentionally confusing nature of insurance

29:41 Scheduling complaints and Don’s one-day-off fantasy

32:12 Programming note: no podcast on market holidays

34:04 Calls, questions, and Jill Bomber sign-off chaos
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]]> Don McDonald 43a92108-2eb4-11f1-b6ec-23a1b9da2c93 Mon, 07 Jul 2025 13:59:00 -0400 2197 false Solar Scams, Pig Butchers Solar Scams, Pig Butchers
0:44 The ConsumerMan joins the show—cape at the dry cleaner, fraud cape that is

1:30 Solar sales scams: door-to-door hustlers + shady financiers

2:37 Solar “deals” that aren’t: pressure sales, fake savings, buried contract terms

5:35 Solar installations gone wrong—and sometimes never installed at all

6:55 Why good contractors don’t knock on doors

8:20 Know the difference between credits and cash—solar isn’t “free”

9:26 Pig butchering crypto scams explained

10:40 Fake trading platforms that “show” fake returns

11:50 AI-powered fraud: deepfake voices, faces, and video chats

13:26 Romance scams that clean people out—millions lost

14:15 Don’t respond to unsolicited texts or calls—ever

15:11 Former SEC officials: crypto exists for crime and tax evasion

16:44 Crypto isn’t investment—it’s gambling with digital vapor

17:25 Insurance crisis: companies fleeing, premiums surging

18:41 Regulators letting insurers raise rates without scrutiny

19:29 Consumer quiz: what to do first if you’re scammed

21:18 Why you should never pay with Zelle or a debit card

22:30 Getting teens a credit card the right way

23:43 Coming soon: Buy Now, Pay Later scams (Costco’s in now too)

24:48 Where to find Herb’s work—Checkbook, Consumerpedia, and ConsumerMan
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]]>
0:44 The ConsumerMan joins the show—cape at the dry cleaner, fraud cape that is

1:30 Solar sales scams: door-to-door hustlers + shady financiers

2:37 Solar “deals” that aren’t: pressure sales, fake savings, buried contract terms

5:35 Solar installations gone wrong—and sometimes never installed at all

6:55 Why good contractors don’t knock on doors

8:20 Know the difference between credits and cash—solar isn’t “free”

9:26 Pig butchering crypto scams explained

10:40 Fake trading platforms that “show” fake returns

11:50 AI-powered fraud: deepfake voices, faces, and video chats

13:26 Romance scams that clean people out—millions lost

14:15 Don’t respond to unsolicited texts or calls—ever

15:11 Former SEC officials: crypto exists for crime and tax evasion

16:44 Crypto isn’t investment—it’s gambling with digital vapor

17:25 Insurance crisis: companies fleeing, premiums surging

18:41 Regulators letting insurers raise rates without scrutiny

19:29 Consumer quiz: what to do first if you’re scammed

21:18 Why you should never pay with Zelle or a debit card

22:30 Getting teens a credit card the right way

23:43 Coming soon: Buy Now, Pay Later scams (Costco’s in now too)

24:48 Where to find Herb’s work—Checkbook, Consumerpedia, and ConsumerMan
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]]> Don McDonald 890c7f92-2eb4-11f1-b6ec-3b8ad498191c Fri, 04 Jul 2025 16:00:00 -0400 1648 false Gen Z's Retirement Edge? Gen Z's Retirement Edge?
0:04 Gen Z’s surprising retirement savings rate—and why it’s not the whole story

1:06 Auto-enrollment in 401(k)s and how it changed everything

2:34 Gen Z’s financial education: more access, but less understanding?

3:49 The rise (and danger) of FinTok as a financial advice source

5:00 Over 70% of FinTok advice is misleading or incomplete

6:15 Back in studio—Don on allergies, Alpha kids, and social media scams

8:29 Chase “glitch” scam and other Gen Z-targeted bad advice

10:11 Credit Karma: Gen Z scams and IRS audits are shockingly high

11:17 Call: Should a granddaughter’s IRA stay in VOO or add tech/growth?

12:48 Why Don avoids sector funds like Infotech, even for young investors

13:45 The trouble with chasing recent winners like VOOG

14:29 Historical returns: value > growth, despite recent performance

15:47 Call: $20k–25k Nordstrom stock sale—spend, save, or invest?

17:59 Burial plots vs. emergency fund: Don’s (very real) take

20:42 CDs for older investors: short-term, safe, sensible

21:48 Call: Shell buying BP? Not likely—and Don calls the hype

23:35 BP’s politics and price already reflect takeover speculation

25:02 Inheriting BP stock: should you take the exit opportunity?

26:13 UK resistance to selling BP to a Dutch firm like Shell

26:56 Individual stocks = concentrated risk, even for giants like BP

28:09 Reminder: Every financial move should be part of a real plan

29:05 Roth conversions, tax brackets, and portfolio rebalancing

31:08 MicroStrategy’s insane Bitcoin play—and why it’s all risk

32:23 Company worth 40% more than its Bitcoin holdings—why?

33:28 Don warns: short selling and options are for gamblers only

34:00 Call: 59-year-old IT director wants to invest $5K/month wisely

35:21 Max the 401(k), use Roth IRA next, and build long-term wealth

36:47 Portfolio diversification with risk-based allocation

37:27 Call: Selling gold bought in the ’80s—how to handle taxes

39:47 How to recreate gold purchase records if you’ve lost receipts

40:55 Debunking the “three coins per month tax-free” myth
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]]>
0:04 Gen Z’s surprising retirement savings rate—and why it’s not the whole story

1:06 Auto-enrollment in 401(k)s and how it changed everything

2:34 Gen Z’s financial education: more access, but less understanding?

3:49 The rise (and danger) of FinTok as a financial advice source

5:00 Over 70% of FinTok advice is misleading or incomplete

6:15 Back in studio—Don on allergies, Alpha kids, and social media scams

8:29 Chase “glitch” scam and other Gen Z-targeted bad advice

10:11 Credit Karma: Gen Z scams and IRS audits are shockingly high

11:17 Call: Should a granddaughter’s IRA stay in VOO or add tech/growth?

12:48 Why Don avoids sector funds like Infotech, even for young investors

13:45 The trouble with chasing recent winners like VOOG

14:29 Historical returns: value > growth, despite recent performance

15:47 Call: $20k–25k Nordstrom stock sale—spend, save, or invest?

17:59 Burial plots vs. emergency fund: Don’s (very real) take

20:42 CDs for older investors: short-term, safe, sensible

21:48 Call: Shell buying BP? Not likely—and Don calls the hype

23:35 BP’s politics and price already reflect takeover speculation

25:02 Inheriting BP stock: should you take the exit opportunity?

26:13 UK resistance to selling BP to a Dutch firm like Shell

26:56 Individual stocks = concentrated risk, even for giants like BP

28:09 Reminder: Every financial move should be part of a real plan

29:05 Roth conversions, tax brackets, and portfolio rebalancing

31:08 MicroStrategy’s insane Bitcoin play—and why it’s all risk

32:23 Company worth 40% more than its Bitcoin holdings—why?

33:28 Don warns: short selling and options are for gamblers only

34:00 Call: 59-year-old IT director wants to invest $5K/month wisely

35:21 Max the 401(k), use Roth IRA next, and build long-term wealth

36:47 Portfolio diversification with risk-based allocation

37:27 Call: Selling gold bought in the ’80s—how to handle taxes

39:47 How to recreate gold purchase records if you’ve lost receipts

40:55 Debunking the “three coins per month tax-free” myth
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]]> Don McDonald 50658fb2-2eb4-11f1-b6ec-63c851358862 Wed, 02 Jul 2025 12:33:00 -0400 2567 false Highs Hype Highs Hype
0:04 Market hits all-time high again… surprise!

0:39 Should you invest when the market is at an all-time high?

1:43 Don takes live calls—money questions welcome

2:11 S&P 500 update: fastest bounce in history

3:55 Surprise stock leaders: not the Magnificent Seven

5:13 Why diversification matters—again

9:30 All-time highs are normal—and necessary

11:21 Global stocks vs. U.S.: less volatile, less exciting

13:20 Palantir millionaire: savvy or lucky? (Spoiler: probably lucky)

16:55 Overconcentration risk—even with the S&P 500

18:07 Fixed income + discipline = real-life smoother ride

18:53 Caller Don in Covington: timing Roth withdrawals and big expenses

21:43 Withdrawal order: Taxable → Traditional IRA → Roth

23:50 Investing = confusing or clear. Your pick.

24:39 Caller Dave in Gig Harbor: 529-to-Roth confusion cleared up

27:31 529s just got even better for long-term wealth building

29:52 Back to solo Don: Tom’s in Normandy

30:27 Jason Zweig warns about shady 200% yield ETFs

33:08 How Tesla YieldMax ETF lost 80% while claiming a “62% yield”

34:44 If it sounds too good to be true… skip it

36:00 Listener question: Should cash be counted in your 70/30 allocation?

38:12 The role of cash in reducing volatility and funding withdrawals

39:01 Caller Mark in Connecticut: Do I even need a brokerage account?

41:59 Roth as dual-purpose tool: liquidity + long-term compounding
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]]>
0:04 Market hits all-time high again… surprise!

0:39 Should you invest when the market is at an all-time high?

1:43 Don takes live calls—money questions welcome

2:11 S&P 500 update: fastest bounce in history

3:55 Surprise stock leaders: not the Magnificent Seven

5:13 Why diversification matters—again

9:30 All-time highs are normal—and necessary

11:21 Global stocks vs. U.S.: less volatile, less exciting

13:20 Palantir millionaire: savvy or lucky? (Spoiler: probably lucky)

16:55 Overconcentration risk—even with the S&P 500

18:07 Fixed income + discipline = real-life smoother ride

18:53 Caller Don in Covington: timing Roth withdrawals and big expenses

21:43 Withdrawal order: Taxable → Traditional IRA → Roth

23:50 Investing = confusing or clear. Your pick.

24:39 Caller Dave in Gig Harbor: 529-to-Roth confusion cleared up

27:31 529s just got even better for long-term wealth building

29:52 Back to solo Don: Tom’s in Normandy

30:27 Jason Zweig warns about shady 200% yield ETFs

33:08 How Tesla YieldMax ETF lost 80% while claiming a “62% yield”

34:44 If it sounds too good to be true… skip it

36:00 Listener question: Should cash be counted in your 70/30 allocation?

38:12 The role of cash in reducing volatility and funding withdrawals

39:01 Caller Mark in Connecticut: Do I even need a brokerage account?

41:59 Roth as dual-purpose tool: liquidity + long-term compounding
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]]> Don McDonald 28e9dc86-2eb4-11f1-b6ec-6bf4cb42d3d0 Tue, 01 Jul 2025 15:00:00 -0400 2667 false Dr. Doom or Dr. Boom Dr. Doom or Dr. Boom
0:04 Predicting markets is impossible—so why do people still listen to those who try?

1:50 Dr. Doom (Nouriel Roubini) turns into Mr. Boone—predicting good times ahead

3:35 Roubini blames AI and nuclear fusion for his new optimism

4:57 Don’s rule: All predictions are a prehistoric brain trap

5:20 Ron Baron and his Partners Fund—poster child for active management hype

6:41 Nearly half the fund is in two holdings: Tesla and SpaceX

8:44 From $10K to $6.5K in 6 months: the cost of extreme concentration

9:47 Expense ratio: 2.25%—with $7.5B in assets? Outrageous

10:54 Why high-flyer funds are built to crash hard, too

11:39 Investing in Barron = trying to beat the market (and probably failing)

13:14 Lost 43% in 2022—twice the S&P’s loss

13:48 But in 2020? Up 150%. Thanks, Tesla

14:51 Listener Q: Army major wants to clean up his Roth portfolio

16:10 Don and Tom: Scrap the mid-cap clutter—go global with VT

17:59 Listener Q: New job, horrible 401(k) fund choices—can he still contribute?

19:03 Nationwide’s 93-basis-point index fund sparks full-on Don rant

20:14 High fees vs. tax breaks: what wins?

21:31 Why the financial industry is addicted to greed

22:11 Appella’s no-pressure offer to review your portfolio

23:04 Don’s publisher’s clearinghouse FaceTime scam story
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0:04 Predicting markets is impossible—so why do people still listen to those who try?

1:50 Dr. Doom (Nouriel Roubini) turns into Mr. Boone—predicting good times ahead

3:35 Roubini blames AI and nuclear fusion for his new optimism

4:57 Don’s rule: All predictions are a prehistoric brain trap

5:20 Ron Baron and his Partners Fund—poster child for active management hype

6:41 Nearly half the fund is in two holdings: Tesla and SpaceX

8:44 From $10K to $6.5K in 6 months: the cost of extreme concentration

9:47 Expense ratio: 2.25%—with $7.5B in assets? Outrageous

10:54 Why high-flyer funds are built to crash hard, too

11:39 Investing in Barron = trying to beat the market (and probably failing)

13:14 Lost 43% in 2022—twice the S&P’s loss

13:48 But in 2020? Up 150%. Thanks, Tesla

14:51 Listener Q: Army major wants to clean up his Roth portfolio

16:10 Don and Tom: Scrap the mid-cap clutter—go global with VT

17:59 Listener Q: New job, horrible 401(k) fund choices—can he still contribute?

19:03 Nationwide’s 93-basis-point index fund sparks full-on Don rant

20:14 High fees vs. tax breaks: what wins?

21:31 Why the financial industry is addicted to greed

22:11 Appella’s no-pressure offer to review your portfolio

23:04 Don’s publisher’s clearinghouse FaceTime scam story
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]]> Don McDonald b8167a22-2eb4-11f1-b6ec-43cf566a4bf4 Mon, 30 Jun 2025 10:02:00 -0400 1725 false Question Time with Tom & Roxy Question Time with Tom & Roxy
0:05 401(k) savings rates hit a new high—why 20% total savings should be your goal

2:40 Roth vs. Traditional 401(k) for younger investors—Roxy makes the case

3:57 Listener Q: Early retirees managing withdrawals across brokerage, Roth, and IRA accounts

6:36 Tax bracket management vs. withdrawal strategy—how to stay in the 24%

8:38 Roth conversions and RMD prep—why to think now about later taxes

9:41 Why DIY retirees still need a second set of eyes on their plan

10:25 Listener Q: What to do with $16K left in a 529 plan

11:24 529-to-Roth rollover rules and strategy

12:31 Listener Q: Pay cash for a car or finance at 1.9%?

13:58 Emotional vs. mathematical car finance decision-making

15:11 Listener Q: Got 6/7 on FINRA quiz—why do bond prices fall when rates rise?

17:36 Bond basics: duration, rate risk, and quality

17:53 Roxy’s real-world client trend: surge in estate planning questions

18:54 Free portfolio analysis plug and Roxy’s parting thoughts
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]]>
0:05 401(k) savings rates hit a new high—why 20% total savings should be your goal

2:40 Roth vs. Traditional 401(k) for younger investors—Roxy makes the case

3:57 Listener Q: Early retirees managing withdrawals across brokerage, Roth, and IRA accounts

6:36 Tax bracket management vs. withdrawal strategy—how to stay in the 24%

8:38 Roth conversions and RMD prep—why to think now about later taxes

9:41 Why DIY retirees still need a second set of eyes on their plan

10:25 Listener Q: What to do with $16K left in a 529 plan

11:24 529-to-Roth rollover rules and strategy

12:31 Listener Q: Pay cash for a car or finance at 1.9%?

13:58 Emotional vs. mathematical car finance decision-making

15:11 Listener Q: Got 6/7 on FINRA quiz—why do bond prices fall when rates rise?

17:36 Bond basics: duration, rate risk, and quality

17:53 Roxy’s real-world client trend: surge in estate planning questions

18:54 Free portfolio analysis plug and Roxy’s parting thoughts
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]]> Don McDonald 85e042fe-2eb4-11f1-b6ec-47885adeff9d Fri, 27 Jun 2025 13:31:00 -0400 1246 false Behavior Beats Brilliance Behavior Beats Brilliance
0:04 Kicking off with confessions: Americans may not be as overconfident as we thought

0:35 Only 26% think they’re sexually above average? Really?

1:34 The weird areas where Americans do think they excel: loyalty, ethics, critical thinking

2:40 Self-deception vs. actual financial behavior

3:04 The gender confidence gap and investing implications

4:40 How much of success is really just luck?

5:47 Personal luck stories and the randomness of life

7:13 Men think they’re funnier and more intelligent—survey says…

7:54 Back to money: Only 42% think they’re above-average money managers

8:47 Traits that actually matter in investing: patience, risk management, discipline

10:59 Goal setting, diligence, and why optimism pays

12:23 Confidence is lower than expected—and women may be better investors

13:44 Who really dances at weddings?

14:04 Q&A: Cindy’s $250k hobby account and what to do with it

17:57 Rebuilding a diversified portfolio around AVGE and BND

20:21 Q&A: Survivor benefits and claiming strategies for couples

22:41 What a surviving spouse actually receives from Social Security

24:50 Live from the lake? Maybe. Tech permitting.

25:46 Free advice and fart coin fallout
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0:04 Kicking off with confessions: Americans may not be as overconfident as we thought

0:35 Only 26% think they’re sexually above average? Really?

1:34 The weird areas where Americans do think they excel: loyalty, ethics, critical thinking

2:40 Self-deception vs. actual financial behavior

3:04 The gender confidence gap and investing implications

4:40 How much of success is really just luck?

5:47 Personal luck stories and the randomness of life

7:13 Men think they’re funnier and more intelligent—survey says…

7:54 Back to money: Only 42% think they’re above-average money managers

8:47 Traits that actually matter in investing: patience, risk management, discipline

10:59 Goal setting, diligence, and why optimism pays

12:23 Confidence is lower than expected—and women may be better investors

13:44 Who really dances at weddings?

14:04 Q&A: Cindy’s $250k hobby account and what to do with it

17:57 Rebuilding a diversified portfolio around AVGE and BND

20:21 Q&A: Survivor benefits and claiming strategies for couples

22:41 What a surviving spouse actually receives from Social Security

24:50 Live from the lake? Maybe. Tech permitting.

25:46 Free advice and fart coin fallout
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]]> Don McDonald 7149128a-2eb4-11f1-b6ec-1f6802976194 Thu, 26 Jun 2025 15:11:00 -0400 1670 false Can't Have Everything Can't Have Everything
0:04 Greed and the myth of “safe” investments

1:27 Human desire for more with less risk—prime for exploitation

3:02 The illusion of safety: high-yield savings vs. riskier “alternatives”

3:50 Covered call funds are not safe—Don’s own experience

4:42 Non-traded real estate and price illusion

5:22 Financial Flinch Reflex PSA

6:23 How to call the show and why listener questions matter

7:36 529 vs. UTMA for a newborn + Fidelity Zero Fund vs. FSKAX

10:44 529s can convert to Roth IRAs—huge benefit

11:15 Long-term care insurance: costs, limitations, and reality checks

13:57 Hybrid LTC policies: gimmicky, commission-driven

16:34 Premium examples: $5K to $10K/year for minimal coverage

17:53 Funding a disabled daughter’s future using Schwab Intelligent Portfolio

19:50 Dollar-cost averaging lump sums? Don says no—invest now

21:12 Don on vacation guilt and cheap travel habits

22:24 529s owned by a trust—yes, and Utah’s My529 gets Don’s stamp

24:25 More trust pros and Utah’s fee/vehicle advantages

25:42 Listener wary of FIA pitch for TSP rollover—Don smells fraud

27:48 The match, the cap, the “no annuity” claim—Don calls B.S.

29:24 How to verify if someone’s actually a fiduciary

32:43 Why fixed-indexed annuities dodged SEC regulation

34:05 The real reason they’re pushing 70% of your money into an FIA

36:00 Listener calls just to wish Don happy birthday

37:32 Don thanks his audience and reflects on why he keeps doing this
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]]>
0:04 Greed and the myth of “safe” investments

1:27 Human desire for more with less risk—prime for exploitation

3:02 The illusion of safety: high-yield savings vs. riskier “alternatives”

3:50 Covered call funds are not safe—Don’s own experience

4:42 Non-traded real estate and price illusion

5:22 Financial Flinch Reflex PSA

6:23 How to call the show and why listener questions matter

7:36 529 vs. UTMA for a newborn + Fidelity Zero Fund vs. FSKAX

10:44 529s can convert to Roth IRAs—huge benefit

11:15 Long-term care insurance: costs, limitations, and reality checks

13:57 Hybrid LTC policies: gimmicky, commission-driven

16:34 Premium examples: $5K to $10K/year for minimal coverage

17:53 Funding a disabled daughter’s future using Schwab Intelligent Portfolio

19:50 Dollar-cost averaging lump sums? Don says no—invest now

21:12 Don on vacation guilt and cheap travel habits

22:24 529s owned by a trust—yes, and Utah’s My529 gets Don’s stamp

24:25 More trust pros and Utah’s fee/vehicle advantages

25:42 Listener wary of FIA pitch for TSP rollover—Don smells fraud

27:48 The match, the cap, the “no annuity” claim—Don calls B.S.

29:24 How to verify if someone’s actually a fiduciary

32:43 Why fixed-indexed annuities dodged SEC regulation

34:05 The real reason they’re pushing 70% of your money into an FIA

36:00 Listener calls just to wish Don happy birthday

37:32 Don thanks his audience and reflects on why he keeps doing this
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]]> Don McDonald 88cfa8f6-2eb4-11f1-b6ec-573b1c862783 Wed, 25 Jun 2025 13:13:00 -0400 2461 false Gold Medal Worthy? Gold Medal Worthy?
0:04 Don opens solo—Tom’s in Germany—and reflects on aging and the Maytag repairman

1:05 A brief history of Don’s 40+ year career in financial media and advice

3:05 Praise for Morningstar’s data, but heavy criticism of its ratings system

5:04 Morningstar’s bias: high-fee target-date funds getting gold medals

9:12 American Funds ranked above Vanguard despite massive commissions

11:01 Don breaks down absurd rankings: T. Rowe, PIMCO, J.P. Morgan all above Vanguard

13:37 Morningstar’s “medal” approach ignores cost—key to long-term returns

14:34 When paying more makes sense (hint: not fund fees)

16:41 Why commissions offer zero investor value

18:24 Share class shell games: A-shares vs. C-shares deception

20:40 Call: AVUV vs VT allocation—Don recommends 10% in AVUV

23:43 Weather sarcasm, caller hesitation, and the “Seattle call effect”

25:16 Tease: Surrender charges on annuities—what you don’t know can cost you

27:09 Annuities: “safe”… but how safe is 12.5% surrender in year one?

29:35 Call: 43-year-old saving $2,400/year in a Roth and wants to do better

32:39 Don’s advice: open an outside Roth, invest in VT, and take the risk quiz

34:39 Call: Inherited IRA RMD rules—Don corrects a past mistake

37:07 Why inherited IRA rules are a legal labyrinth—CPA strongly advised
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0:04 Don opens solo—Tom’s in Germany—and reflects on aging and the Maytag repairman

1:05 A brief history of Don’s 40+ year career in financial media and advice

3:05 Praise for Morningstar’s data, but heavy criticism of its ratings system

5:04 Morningstar’s bias: high-fee target-date funds getting gold medals

9:12 American Funds ranked above Vanguard despite massive commissions

11:01 Don breaks down absurd rankings: T. Rowe, PIMCO, J.P. Morgan all above Vanguard

13:37 Morningstar’s “medal” approach ignores cost—key to long-term returns

14:34 When paying more makes sense (hint: not fund fees)

16:41 Why commissions offer zero investor value

18:24 Share class shell games: A-shares vs. C-shares deception

20:40 Call: AVUV vs VT allocation—Don recommends 10% in AVUV

23:43 Weather sarcasm, caller hesitation, and the “Seattle call effect”

25:16 Tease: Surrender charges on annuities—what you don’t know can cost you

27:09 Annuities: “safe”… but how safe is 12.5% surrender in year one?

29:35 Call: 43-year-old saving $2,400/year in a Roth and wants to do better

32:39 Don’s advice: open an outside Roth, invest in VT, and take the risk quiz

34:39 Call: Inherited IRA RMD rules—Don corrects a past mistake

37:07 Why inherited IRA rules are a legal labyrinth—CPA strongly advised
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]]> Don McDonald 861048f0-2eb4-11f1-b6ec-dfe09d19c708 Tue, 24 Jun 2025 14:24:00 -0400 2504 false Low Risk Fantasies Low Risk Fantasies
0:04 Investing dreams and chocolate dreams: both come with a price

1:31 Wall Street sells “protection” from volatility—Americans are buying

2:37 Hedged funds as “stock insurance”? More like expensive illusions

3:57 Comparing VOO to PHDG: 13% vs. 4.3% returns

4:54 Downside protection claims fall apart under scrutiny

6:18 Lower volatility, far lower returns—does it help you sleep or retire?

7:34 How these funds work: options-based “protection” explained

8:48 Options decay and premium costs crush performance

9:56 Simpler is better: most “safety” funds fail to beat basic stock/bond mix

11:03 5-year S&P 500 returns: mostly up, and up a lot

11:50 Hedged funds underperform in up years—and still lose in down ones

12:22 Hidden costs in options-based funds aren’t in the expense ratio

13:30 Bottom line: no panacea, no magic. Just smart allocation

14:05 Investor responsibility: no one will protect your money but you

14:12 Listener Q&A intro and apology for delay

15:05 Backdoor Roth vs. regular Roth when income is uncertain

16:59 AVGE vs. GLOV: performance vs. philosophy

17:55 GLOV’s returns look good—but it’s far less diversified

19:21 Passive label vs. reality: GLOV is focused, possibly active

20:38 Short track record makes comparisons tricky

22:04 Don and Tom favor massive diversification over short-term wins

23:42 Set expectations low and you’ll be pleasantly surprised

24:49 Ask us anything—and yes, crypto guy left another bad review

26:02 Crypto is “generational”? Maybe, but Don still won’t use money he can’t spend
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0:04 Investing dreams and chocolate dreams: both come with a price

1:31 Wall Street sells “protection” from volatility—Americans are buying

2:37 Hedged funds as “stock insurance”? More like expensive illusions

3:57 Comparing VOO to PHDG: 13% vs. 4.3% returns

4:54 Downside protection claims fall apart under scrutiny

6:18 Lower volatility, far lower returns—does it help you sleep or retire?

7:34 How these funds work: options-based “protection” explained

8:48 Options decay and premium costs crush performance

9:56 Simpler is better: most “safety” funds fail to beat basic stock/bond mix

11:03 5-year S&P 500 returns: mostly up, and up a lot

11:50 Hedged funds underperform in up years—and still lose in down ones

12:22 Hidden costs in options-based funds aren’t in the expense ratio

13:30 Bottom line: no panacea, no magic. Just smart allocation

14:05 Investor responsibility: no one will protect your money but you

14:12 Listener Q&A intro and apology for delay

15:05 Backdoor Roth vs. regular Roth when income is uncertain

16:59 AVGE vs. GLOV: performance vs. philosophy

17:55 GLOV’s returns look good—but it’s far less diversified

19:21 Passive label vs. reality: GLOV is focused, possibly active

20:38 Short track record makes comparisons tricky

22:04 Don and Tom favor massive diversification over short-term wins

23:42 Set expectations low and you’ll be pleasantly surprised

24:49 Ask us anything—and yes, crypto guy left another bad review

26:02 Crypto is “generational”? Maybe, but Don still won’t use money he can’t spend
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]]> Don McDonald 28a09e4a-2eb4-11f1-b6ec-d7538fb59f6a Mon, 23 Jun 2025 12:36:00 -0400 1712 false Fast Paced Friday Fast Paced Friday
Don tackles a stack of listener questions in this rapid-fire Friday Q&A, covering what a financial plan should cost, how tipping might work in a cashless future, and how to fine-tune a retirement portfolio with Avantis funds. He also addresses important estate planning steps after a death, how to use QCDs with inherited IRAs, and whether AUM fees are worth it compared to hourly planners. Along the way, he reflects on why he still manages his own money—and maybe shouldn’t.

0:04 Intro to Friday Q&A and how listener questions are selected

2:12 What should a detailed retirement plan cost? Median price range explained

4:33 How will we tip in a cashless society? From bellboys to Bitcoin to Apple Pay

7:39 Listener portfolio check: 85% AVGE, 10% AVUV, 5% AVDV—too tilted?

11:36 Credit after death: Should an executor notify the credit bureaus? Yes—and how

13:45 Inherited IRA RMD workaround: Can QCDs help avoid taxes before age 70½?

17:02 AUM fees vs. flat-fee advisors: Is paying more for more assets fair?

25:51 Why Don still manages his own money (for now)—inertia, taxes, and habits
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Don tackles a stack of listener questions in this rapid-fire Friday Q&A, covering what a financial plan should cost, how tipping might work in a cashless future, and how to fine-tune a retirement portfolio with Avantis funds. He also addresses important estate planning steps after a death, how to use QCDs with inherited IRAs, and whether AUM fees are worth it compared to hourly planners. Along the way, he reflects on why he still manages his own money—and maybe shouldn’t.

0:04 Intro to Friday Q&A and how listener questions are selected

2:12 What should a detailed retirement plan cost? Median price range explained

4:33 How will we tip in a cashless society? From bellboys to Bitcoin to Apple Pay

7:39 Listener portfolio check: 85% AVGE, 10% AVUV, 5% AVDV—too tilted?

11:36 Credit after death: Should an executor notify the credit bureaus? Yes—and how

13:45 Inherited IRA RMD workaround: Can QCDs help avoid taxes before age 70½?

17:02 AUM fees vs. flat-fee advisors: Is paying more for more assets fair?

25:51 Why Don still manages his own money (for now)—inertia, taxes, and habits
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]]> Don McDonald 9063d966-2eb4-11f1-b6ec-d3d708824111 Sat, 21 Jun 2025 09:24:00 -0400 1748 false Math Over Models Math Over Models
0:04 We crave certainty—even though our money brains are terrible at prediction.

1:01 Wall Street’s models exist to soothe our fear of the unknown.

1:34 “All models are wrong, but some are useful” — CAPE ratio vs. the real world.

2:39 Shiller vs. Fama: You can’t time the market, even with a Nobel.

4:51 Why diversification, risk-based equity premiums, and low fees beat predictions.

5:24 Models work… until they don’t (hello, Phillips Curve).

7:02 Why the inflation-unemployment link broke after 2000: China changed the game.

8:26 Let’s admit it: You cannot accurately and consistently predict the future.

9:14 Call from Catherine: Why Schwab ETF prices are “low” (spoiler: stock splits).

11:31 Price per share means nothing. Market cap is what matters.

13:04 Berkshire never split its stock—why it’s $731K a share.

14:24 Apple vs. Berkshire vs. Microsoft: Market cap is the real metric.

16:32 Why the Dow is dumb (and would be even dumber with Berkshire in it).

17:49 Listener Q: Where to park $450K before a home purchase? (Hint: not bonds.)

18:29 High-yield savings accounts are still the best move.

19:53 Father’s Day preview: Don rants about dumb gifts and ungrateful kids.

21:19 Kiplinger’s list: 5 ways dads can teach money lessons (cue sarcasm).

24:06 Allowances, budgeting, and tax talks with kids—realistic or fantasy?

25:28 Roth IRAs and investing lessons for teens: what actually works.

27:45 Why teaching kids to pick stocks is a dangerous myth.

29:38 “Graduation fund” idea: simple global ETFs like AVGE or DFAW.

30:43 Yes, your kids might move back in. Yes, it’s happening again.

32:13 Listener Q: Can you open a Roth SEP IRA? (Short answer: not really yet.)

33:54 One firm offers it… but it’ll cost you $500/year and it’s shady.

35:20 Final caller: Are there any annuities we do like? (Answer: the shortest show ever.)

36:34 Program note: Tom gone for 2 weeks, Don wants your calls (or sympathy).
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]]>
0:04 We crave certainty—even though our money brains are terrible at prediction.

1:01 Wall Street’s models exist to soothe our fear of the unknown.

1:34 “All models are wrong, but some are useful” — CAPE ratio vs. the real world.

2:39 Shiller vs. Fama: You can’t time the market, even with a Nobel.

4:51 Why diversification, risk-based equity premiums, and low fees beat predictions.

5:24 Models work… until they don’t (hello, Phillips Curve).

7:02 Why the inflation-unemployment link broke after 2000: China changed the game.

8:26 Let’s admit it: You cannot accurately and consistently predict the future.

9:14 Call from Catherine: Why Schwab ETF prices are “low” (spoiler: stock splits).

11:31 Price per share means nothing. Market cap is what matters.

13:04 Berkshire never split its stock—why it’s $731K a share.

14:24 Apple vs. Berkshire vs. Microsoft: Market cap is the real metric.

16:32 Why the Dow is dumb (and would be even dumber with Berkshire in it).

17:49 Listener Q: Where to park $450K before a home purchase? (Hint: not bonds.)

18:29 High-yield savings accounts are still the best move.

19:53 Father’s Day preview: Don rants about dumb gifts and ungrateful kids.

21:19 Kiplinger’s list: 5 ways dads can teach money lessons (cue sarcasm).

24:06 Allowances, budgeting, and tax talks with kids—realistic or fantasy?

25:28 Roth IRAs and investing lessons for teens: what actually works.

27:45 Why teaching kids to pick stocks is a dangerous myth.

29:38 “Graduation fund” idea: simple global ETFs like AVGE or DFAW.

30:43 Yes, your kids might move back in. Yes, it’s happening again.

32:13 Listener Q: Can you open a Roth SEP IRA? (Short answer: not really yet.)

33:54 One firm offers it… but it’ll cost you $500/year and it’s shady.

35:20 Final caller: Are there any annuities we do like? (Answer: the shortest show ever.)

36:34 Program note: Tom gone for 2 weeks, Don wants your calls (or sympathy).
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]]> Don McDonald 77778718-2eb4-11f1-b6ec-fbd3e70acc28 Wed, 18 Jun 2025 14:42:00 -0400 2405 false Home Bias Harm Home Bias Harm
1:52 Home bias explained: Americans (and Australians) overweight U.S. stocks

2:58 U.S. vs global stock market value debate

3:42 Fund companies pander to investor bias

4:14 Vanguard Australia fund: 42% Aussie stocks?!

5:25 Why home bias hurts—Australia’s 25% bank exposure

6:26 Dimensional and Avantis global tilt: 70% U.S.

7:52 Long-term global diversification reduces volatility

8:17 The 2000s: Global funds outperformed U.S. funds

9:21 Call: Donna in AZ – Regret over early Social Security filing

11:29 Don confesses he took his at 69: “I’m weak”

12:02 Donna’s still in great shape—no panic needed

13:04 Timing Social Security: Only critical if it’s most of your income

14:45 Emotional investing vs logic—why home bias persists

15:51 Japan: Home bias disaster, zero returns since 1990

16:07 Call: Kyle in TX – 72(t) withdrawals and bond reluctance

18:21 Tom explains why bonds matter when pulling from a shrinking stock portfolio

19:51 Call: Jason the Tesla Bull – Covered calls on Palantir

21:15 Covered call mechanics explained

23:14 Don’s 1980s crash story: When covered calls fail

24:14 Covered calls appeal to greed, often backfire

25:20 Palantir’s PE ratio? Try 1,058—yikes

26:30 Meme stocks vs megacaps: Palantir’s government dependency

27:05 Call: John in OH – Fidelity fee confusion update

28:16 John’s advisor can’t see the same statements—sus?

30:32 Make sure to bring statements and get written answers

31:29 Don’s birthday, Father’s Day gripes, and Twain wisdom

32:22 Call: Elizabeth in SC – What happens to a 2010 target date fund?

33:37 Vanguard 2010 funds merge into 70/30 “retirement income” fund

35:14 Performance? ~5% annualized—above inflation


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1:52 Home bias explained: Americans (and Australians) overweight U.S. stocks

2:58 U.S. vs global stock market value debate

3:42 Fund companies pander to investor bias

4:14 Vanguard Australia fund: 42% Aussie stocks?!

5:25 Why home bias hurts—Australia’s 25% bank exposure

6:26 Dimensional and Avantis global tilt: 70% U.S.

7:52 Long-term global diversification reduces volatility

8:17 The 2000s: Global funds outperformed U.S. funds

9:21 Call: Donna in AZ – Regret over early Social Security filing

11:29 Don confesses he took his at 69: “I’m weak”

12:02 Donna’s still in great shape—no panic needed

13:04 Timing Social Security: Only critical if it’s most of your income

14:45 Emotional investing vs logic—why home bias persists

15:51 Japan: Home bias disaster, zero returns since 1990

16:07 Call: Kyle in TX – 72(t) withdrawals and bond reluctance

18:21 Tom explains why bonds matter when pulling from a shrinking stock portfolio

19:51 Call: Jason the Tesla Bull – Covered calls on Palantir

21:15 Covered call mechanics explained

23:14 Don’s 1980s crash story: When covered calls fail

24:14 Covered calls appeal to greed, often backfire

25:20 Palantir’s PE ratio? Try 1,058—yikes

26:30 Meme stocks vs megacaps: Palantir’s government dependency

27:05 Call: John in OH – Fidelity fee confusion update

28:16 John’s advisor can’t see the same statements—sus?

30:32 Make sure to bring statements and get written answers

31:29 Don’s birthday, Father’s Day gripes, and Twain wisdom

32:22 Call: Elizabeth in SC – What happens to a 2010 target date fund?

33:37 Vanguard 2010 funds merge into 70/30 “retirement income” fund

35:14 Performance? ~5% annualized—above inflation


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]]> Don McDonald af9587d0-2eb4-11f1-b6ec-bb6f8a964a03 Tue, 17 Jun 2025 12:26:00 -0400 2396 false Stock Picking Trap Stock Picking Trap
0:04 Why owning individual stocks is more like gambling than investing

0:58 Zweig’s column and stories of extreme stock concentration

1:42 Real investors with 30%+ in just a few stocks

3:00 “I only own Apple”—the emotional traps of stock picking

5:02 Washington Mutual: faith in the familiar turns to loss

6:44 The VF Corp disaster and foundations behaving badly

8:43 No one rings a bell before your stock collapses

9:49 Stock picking risks: underperformance and default

10:22 Don’s infamous four-stock “diversified” portfolio (spoiler: zeroed out)

11:48 Emotional attachment to companies vs. logic

12:27 Top justifications for owning individual stocks—and why they’re bogus

13:40 “It’s money I can afford to lose” (No, it’s not.)

14:51 Owning your own business ≠ owning a stock

15:20 Risk in entrepreneurship is different—but still real

16:18 Listener question: Pay cash or borrow to buy a high-return business asset?

18:02 Don and Tom strongly favor using business cash over loans

19:11 Why even 40% returns are no guarantee

20:39 Hummingbirds evolve to match human feeders (seriously!)

21:34 Listener Q: Convert old 401(k) from Mutual of America to Roth IRA?

23:20 Why you should probably roll that 401(k) out—fast

23:33 Joke time: The silent P in pterodactyl

24:32 Don’s mental age… remains in the single digits
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]]>
0:04 Why owning individual stocks is more like gambling than investing

0:58 Zweig’s column and stories of extreme stock concentration

1:42 Real investors with 30%+ in just a few stocks

3:00 “I only own Apple”—the emotional traps of stock picking

5:02 Washington Mutual: faith in the familiar turns to loss

6:44 The VF Corp disaster and foundations behaving badly

8:43 No one rings a bell before your stock collapses

9:49 Stock picking risks: underperformance and default

10:22 Don’s infamous four-stock “diversified” portfolio (spoiler: zeroed out)

11:48 Emotional attachment to companies vs. logic

12:27 Top justifications for owning individual stocks—and why they’re bogus

13:40 “It’s money I can afford to lose” (No, it’s not.)

14:51 Owning your own business ≠ owning a stock

15:20 Risk in entrepreneurship is different—but still real

16:18 Listener question: Pay cash or borrow to buy a high-return business asset?

18:02 Don and Tom strongly favor using business cash over loans

19:11 Why even 40% returns are no guarantee

20:39 Hummingbirds evolve to match human feeders (seriously!)

21:34 Listener Q: Convert old 401(k) from Mutual of America to Roth IRA?

23:20 Why you should probably roll that 401(k) out—fast

23:33 Joke time: The silent P in pterodactyl

24:32 Don’s mental age… remains in the single digits
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]]> Don McDonald c2cb2d1e-2eb4-11f1-b6ec-477a91807326 Mon, 16 Jun 2025 16:14:00 -0400 1683 false Asking Tom and Roxy Asking Tom and Roxy
0:05 Tom’s intro rant: fear headlines and market timing

1:39 Denominator blindness: why scary drops sound worse than they are

2:52 2.4% drop = sweater weather, not financial panic

3:55 Listener Q1 (Jeff): Where to hold stocks vs. bonds—taxable vs. IRA

4:17 Asset location strategy: not just S&P and short-term bonds

5:35 Duration, muni bonds, and why not all income is equal

6:24 One custodian, fewer accounts: simplify to win

7:41 Start with overall allocation, not tax location

9:16 Managing drawdowns, RMDs, and legacy with tax planning

10:54 Listener Q2 (Jason): Should I just let my equities grow?

11:40 Risk capacity vs. risk tolerance: don’t drive 90 if 65 gets you there

13:08 Why 90/10 in retirement rarely makes sense

14:27 Distributions and downturns: another case for bonds

15:28 Listener Q3 (Justin): Real estate vs. market income

16:22 Landlord reality check: equity ≠ cash flow

17:47 The tax myths of rental income vs. investments

19:40 How investors really generate income (total return strategy)

21:01 Time to develop a real estate exit plan?

21:38 Final thoughts, free reviews, and Roxy’s Parisian wisdom
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]]>
0:05 Tom’s intro rant: fear headlines and market timing

1:39 Denominator blindness: why scary drops sound worse than they are

2:52 2.4% drop = sweater weather, not financial panic

3:55 Listener Q1 (Jeff): Where to hold stocks vs. bonds—taxable vs. IRA

4:17 Asset location strategy: not just S&P and short-term bonds

5:35 Duration, muni bonds, and why not all income is equal

6:24 One custodian, fewer accounts: simplify to win

7:41 Start with overall allocation, not tax location

9:16 Managing drawdowns, RMDs, and legacy with tax planning

10:54 Listener Q2 (Jason): Should I just let my equities grow?

11:40 Risk capacity vs. risk tolerance: don’t drive 90 if 65 gets you there

13:08 Why 90/10 in retirement rarely makes sense

14:27 Distributions and downturns: another case for bonds

15:28 Listener Q3 (Justin): Real estate vs. market income

16:22 Landlord reality check: equity ≠ cash flow

17:47 The tax myths of rental income vs. investments

19:40 How investors really generate income (total return strategy)

21:01 Time to develop a real estate exit plan?

21:38 Final thoughts, free reviews, and Roxy’s Parisian wisdom
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]]> Don McDonald a17c52be-2eb4-11f1-b6ec-33786ca36223 Fri, 13 Jun 2025 16:17:00 -0400 1493 false Retirement Disorder Retirement Disorder
0:04 Why we're talking thermodynamics on a money show1:40 The "Second Law" of Retirement: Life drifts toward chaos2:15 Only 4% of retirees say they're "living the dream"3:06 Why retirement can be scary—even for us4:44 Do something in retirement... but get paid for it?6:09 Volunteering vs. purposeful work (and airplane nostalgia)7:03 Retirement spending traps: splurging or hoarding8:09 The danger of financially supporting adult children9:43 Composer John Williams and the myth of retirement11:24 Three keys to a better retirement: social, purpose, activity12:04 Paul Merriman, semi-retirement, and finding meaning13:23 It all still comes down to money—and the freedom it brings14:42 Steve Martin's quote on money and dumb stuff15:30 Listener question: Tax-efficient Roth conversions for elderly parents20:07 Listener question: Income generation with ETFs vs. income funds22:51 Junk bonds, Franklin Income Fund risk, and total return25:48 Strategy tip: Keeping a year of cash to smooth out volatility26:11 Upcoming events and Apollo's July 9th appearance27:37 Free portfolio review offer and purpose in helping others28:51 Tom's boat motor saga and 1-star review nightmares
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0:04 Why we're talking thermodynamics on a money show1:40 The "Second Law" of Retirement: Life drifts toward chaos2:15 Only 4% of retirees say they're "living the dream"3:06 Why retirement can be scary—even for us4:44 Do something in retirement... but get paid for it?6:09 Volunteering vs. purposeful work (and airplane nostalgia)7:03 Retirement spending traps: splurging or hoarding8:09 The danger of financially supporting adult children9:43 Composer John Williams and the myth of retirement11:24 Three keys to a better retirement: social, purpose, activity12:04 Paul Merriman, semi-retirement, and finding meaning13:23 It all still comes down to money—and the freedom it brings14:42 Steve Martin's quote on money and dumb stuff15:30 Listener question: Tax-efficient Roth conversions for elderly parents20:07 Listener question: Income generation with ETFs vs. income funds22:51 Junk bonds, Franklin Income Fund risk, and total return25:48 Strategy tip: Keeping a year of cash to smooth out volatility26:11 Upcoming events and Apollo's July 9th appearance27:37 Free portfolio review offer and purpose in helping others28:51 Tom's boat motor saga and 1-star review nightmares
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]]> Don McDonald 27ebe39c-2eb4-11f1-b6ec-53576ff14493 Thu, 12 Jun 2025 15:57:00 -0400 1863 false Misplaced Money Misplaced Money
0:05 Welcome back—same truth, new week: invest simply, diversify, and stop overthinking

1:24 Financial complexity is mostly unnecessary—simple portfolios work best

2:37 Listeners have lost $1.7 trillion in forgotten 401(k)s—here’s how to find yours

4:34 Don checks the retirement lost & found—comes up empty

6:33 Tom finds $29 from Starbucks—through a different database

7:36 Sites to check: National Registry, Lost & Found DB, MissingMoney.com

9:15 Caller Alan: What should I do with $100K in liquid, short-term funds?

11:30 Don’s “Three Easy Pieces” ladder strategy: savings + 1-year + 2-year CDs

14:13 Alan’s happy—Bread Savings gets a shout-out

15:43 Talking Real Money Friday Q&A is the listener favorite

17:00 Caller Joel: Should I switch my Vanguard mutual funds to ETFs?

19:14 Yes—especially in taxable accounts, for better tax efficiency

20:44 Caller Sue: At 77, is it too late to convert $100K from IRA to Roth?

27:05 Probably not worth it—tax impact likely the same or worse

29:51 Rethinking retirement tax math—it’s not “your” money until it’s taxed

33:19 Don checks reviews—guess who’s back with a grudge?

33:49 Caller Ray: Can I move IRA to 457 to avoid pro-rata on backdoor Roth?

36:40 Caller Jim: Mom’s advisor switched to LPL—should I worry?

38:59 Jim’s suggestion: listeners donate to a favorite charity in TRM’s name

40:04 Victory Capital funds: Don’s not a fan of their approach

42:41 Why broad diversification beats thematic ETFs with 100 holdings

44:12 Wrap-up: Where to listen, how to submit questions, and why reviews matter
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0:05 Welcome back—same truth, new week: invest simply, diversify, and stop overthinking

1:24 Financial complexity is mostly unnecessary—simple portfolios work best

2:37 Listeners have lost $1.7 trillion in forgotten 401(k)s—here’s how to find yours

4:34 Don checks the retirement lost & found—comes up empty

6:33 Tom finds $29 from Starbucks—through a different database

7:36 Sites to check: National Registry, Lost & Found DB, MissingMoney.com

9:15 Caller Alan: What should I do with $100K in liquid, short-term funds?

11:30 Don’s “Three Easy Pieces” ladder strategy: savings + 1-year + 2-year CDs

14:13 Alan’s happy—Bread Savings gets a shout-out

15:43 Talking Real Money Friday Q&A is the listener favorite

17:00 Caller Joel: Should I switch my Vanguard mutual funds to ETFs?

19:14 Yes—especially in taxable accounts, for better tax efficiency

20:44 Caller Sue: At 77, is it too late to convert $100K from IRA to Roth?

27:05 Probably not worth it—tax impact likely the same or worse

29:51 Rethinking retirement tax math—it’s not “your” money until it’s taxed

33:19 Don checks reviews—guess who’s back with a grudge?

33:49 Caller Ray: Can I move IRA to 457 to avoid pro-rata on backdoor Roth?

36:40 Caller Jim: Mom’s advisor switched to LPL—should I worry?

38:59 Jim’s suggestion: listeners donate to a favorite charity in TRM’s name

40:04 Victory Capital funds: Don’s not a fan of their approach

42:41 Why broad diversification beats thematic ETFs with 100 holdings

44:12 Wrap-up: Where to listen, how to submit questions, and why reviews matter
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]]> Don McDonald cf13b974-2eb4-11f1-b6ec-536cca62f2ac Wed, 11 Jun 2025 17:05:00 -0400 2526 false Financial IQ Test Financial IQ Test
0:04 Why everyone needs a working knowledge of money

1:22 National Personal Finance Challenge shout-out & why only 0.1 % of high-schoolers compete

2:04 Quiz Q1 — defining principal

4:01 Quiz Q2 — Roth vs. traditional IRA RMD rules

5:10 Invitation for listeners to tackle the quiz live on air

7:38 Quiz Q4 — why CDs pay more (funds locked for a term)

8:57 Quiz Q5 — what “vesting” really means

9:59 Quiz Q7 — parking cash in a sock = inflation risk

12:33 Quiz Q8 — callable bonds explained

13:51 Caller Hillary — use equity to pay down a 7 % mortgage or invest instead?

16:33 Liquidity vs. rate trade-off and psychological comfort of a lower payment

18:43 Model-airplane museum banter & show phone line reminder

20:46 Caller Justin — valuing a pension and TSP rollover strategy

23:45 Start with income needs, then size savings; why keeping TSP is fine if it’s your only IRA

28:13 Caller John — Fidelity “management fee” swings; how to pin your advisor down

33:25 Caller Will — cosmic birthday musings & the age of the universe

36:51 Quiz Q9 — limit orders, and Tom flunks Series 7 trivia

40:35 How few teens get real money education & resources to close the gap
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0:04 Why everyone needs a working knowledge of money

1:22 National Personal Finance Challenge shout-out & why only 0.1 % of high-schoolers compete

2:04 Quiz Q1 — defining principal

4:01 Quiz Q2 — Roth vs. traditional IRA RMD rules

5:10 Invitation for listeners to tackle the quiz live on air

7:38 Quiz Q4 — why CDs pay more (funds locked for a term)

8:57 Quiz Q5 — what “vesting” really means

9:59 Quiz Q7 — parking cash in a sock = inflation risk

12:33 Quiz Q8 — callable bonds explained

13:51 Caller Hillary — use equity to pay down a 7 % mortgage or invest instead?

16:33 Liquidity vs. rate trade-off and psychological comfort of a lower payment

18:43 Model-airplane museum banter & show phone line reminder

20:46 Caller Justin — valuing a pension and TSP rollover strategy

23:45 Start with income needs, then size savings; why keeping TSP is fine if it’s your only IRA

28:13 Caller John — Fidelity “management fee” swings; how to pin your advisor down

33:25 Caller Will — cosmic birthday musings & the age of the universe

36:51 Quiz Q9 — limit orders, and Tom flunks Series 7 trivia

40:35 How few teens get real money education & resources to close the gap
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]]> Don McDonald 81bb3ae4-2eb4-11f1-b6ec-d3b6b6370b83 Wed, 11 Jun 2025 11:56:00 -0400 2455 false Too Many ETFs? Too Many ETFs?
0:04 Opening banter and the rise of ETFs as mutual fund successors

1:28 ETF history from SPY to the $8 trillion juggernaut

2:21 Why ETFs caught on: low cost, tax efficiency, index focus

3:45 When Wall Street noticed: strategic beta and rule-based funds emerge

4:59 The novelty problem: gimmicky single-stock and crypto ETFs

6:57 How to filter the 4,000 ETFs to a trustworthy handful

7:34 Which fund families to consider—and which to avoid

8:58 Active vs. passive: the murky middle and the “passively active” dilemma

10:01 Conflicts of interest in ETF endorsements and advertising bias

11:19 ETF investing principles: keep it simple, diversified, and strategic

12:09 Why the industry lumps Dimensional and Avantis with active managers

14:09 Brief detour into Austin, Silicon Valley, and Portland real estate

15:22 Final ETF takeaway: old, boring, and proven beats shiny and new

17:01 Listener Q1: Is Facet Wealth’s alternative income strategy a red flag?

22:01 Listener Q2: Roth IRA income limits, backdoor Roths, and best next moves
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0:04 Opening banter and the rise of ETFs as mutual fund successors

1:28 ETF history from SPY to the $8 trillion juggernaut

2:21 Why ETFs caught on: low cost, tax efficiency, index focus

3:45 When Wall Street noticed: strategic beta and rule-based funds emerge

4:59 The novelty problem: gimmicky single-stock and crypto ETFs

6:57 How to filter the 4,000 ETFs to a trustworthy handful

7:34 Which fund families to consider—and which to avoid

8:58 Active vs. passive: the murky middle and the “passively active” dilemma

10:01 Conflicts of interest in ETF endorsements and advertising bias

11:19 ETF investing principles: keep it simple, diversified, and strategic

12:09 Why the industry lumps Dimensional and Avantis with active managers

14:09 Brief detour into Austin, Silicon Valley, and Portland real estate

15:22 Final ETF takeaway: old, boring, and proven beats shiny and new

17:01 Listener Q1: Is Facet Wealth’s alternative income strategy a red flag?

22:01 Listener Q2: Roth IRA income limits, backdoor Roths, and best next moves
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]]> Don McDonald 3d828a08-2eb4-11f1-b6ec-1716ace6deca Mon, 09 Jun 2025 17:29:00 -0400 1734 false Q&A: Debt and Condos Q&A: Debt and Condos
0:04 Friday Q&A intro and how to submit voice questions

1:40 What do market-timing traders actually do with their cash during volatility?

4:25 Are condos and co-ops really “the devil”? Why Don’s skeptical

9:46 Listener shares Don sparked his investing journey in the ‘90s

11:15 Should a friend drop her advisor for a robo-platform—or go DIY with VT/BND?

17:32 Why Don prefers AVGE over VTI for broader, smarter diversification

18:15 Tiny differences in fees can mean big long-term results

18:58 Active-duty military caller: Should I pay off debt using savings and ditch whole life?

24:08 Listener nearing 70: Should I freeze my Social Security or just enjoy it now?

26:46 Don’s honest confession about his own SS filing decision

27:52 Why good reviews matter (and how to fight the crypto/insurance trolls)

29:43 Call live on Saturdays while Tom vacations… again
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0:04 Friday Q&A intro and how to submit voice questions

1:40 What do market-timing traders actually do with their cash during volatility?

4:25 Are condos and co-ops really “the devil”? Why Don’s skeptical

9:46 Listener shares Don sparked his investing journey in the ‘90s

11:15 Should a friend drop her advisor for a robo-platform—or go DIY with VT/BND?

17:32 Why Don prefers AVGE over VTI for broader, smarter diversification

18:15 Tiny differences in fees can mean big long-term results

18:58 Active-duty military caller: Should I pay off debt using savings and ditch whole life?

24:08 Listener nearing 70: Should I freeze my Social Security or just enjoy it now?

26:46 Don’s honest confession about his own SS filing decision

27:52 Why good reviews matter (and how to fight the crypto/insurance trolls)

29:43 Call live on Saturdays while Tom vacations… again
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]]> Don McDonald 85f77136-2eb4-11f1-b6ec-cb29b1275c16 Fri, 06 Jun 2025 14:53:00 -0400 1907 false Rube Goldberg Investing Rube Goldberg Investing
0:04 “It never rains but it pours” rant, helicopters, kilts, and chaos

2:02 Welcome and the evolution from market timing believers to skeptics

3:13 Trendpilot ETF’s moving average strategy explained (kind of)

5:45 Morningstar says: strategy failed, underperformed S&P by 5% annually

6:58 97-year 60/40 portfolio beats Trendpilot in return and volatility

8:32 2020 example: Trendpilot missed the 38% rebound—ouch

9:59 Why market timing fails most investors over time

11:05 Loss aversion vs. long-term strategy with fixed income

13:08 Trendpilot’s $3.3B in AUM—but it still doesn’t justify market timing

14:23 Listener mail: VTEB vs VTBE, Series 65 textbook gems, diversification

18:26 How much in a single stock? Almost none

19:10 Roth IRA allocation question—AVUS, DFIV, AVUV, and maybe just AVGE

22:24 One-fund to rule them all: AVGE breaks it down across 15 funds

24:11 Federal employee webinar pitch – June 7 at appellowealth.com

25:39 Wrapping up with call-in info, dreams about forgetting the phone number, and kilts (again)
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]]>
0:04 “It never rains but it pours” rant, helicopters, kilts, and chaos

2:02 Welcome and the evolution from market timing believers to skeptics

3:13 Trendpilot ETF’s moving average strategy explained (kind of)

5:45 Morningstar says: strategy failed, underperformed S&P by 5% annually

6:58 97-year 60/40 portfolio beats Trendpilot in return and volatility

8:32 2020 example: Trendpilot missed the 38% rebound—ouch

9:59 Why market timing fails most investors over time

11:05 Loss aversion vs. long-term strategy with fixed income

13:08 Trendpilot’s $3.3B in AUM—but it still doesn’t justify market timing

14:23 Listener mail: VTEB vs VTBE, Series 65 textbook gems, diversification

18:26 How much in a single stock? Almost none

19:10 Roth IRA allocation question—AVUS, DFIV, AVUV, and maybe just AVGE

22:24 One-fund to rule them all: AVGE breaks it down across 15 funds

24:11 Federal employee webinar pitch – June 7 at appellowealth.com

25:39 Wrapping up with call-in info, dreams about forgetting the phone number, and kilts (again)
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]]> Don McDonald 9931029e-2eb4-11f1-b6ec-cf3bed30f02c Thu, 05 Jun 2025 15:23:00 -0400 1698 false The Best Not Best? The Best Not Best?
1:07 Morningstar’s ‘5 of the Best’ investing methods reviewed

1:48 Balanced funds and target-date funds: pros and cautions

2:48 Three-fund and custom-fit portfolios discussed

4:08 Critique of Morningstar’s recommended balanced funds

6:19 Expense ratios of target-date funds and better alternatives

7:17 Morningstar’s risky allocation advice near retirement

9:17 Why one-size-fits-all portfolios don’t work

10:14 Caller Sally: Should we move from T. Rowe Price 401k?

12:56 T. Rowe Price vs. Vanguard fee comparison

14:03 How to roll over a 401k into an IRA

17:39 Custom portfolios vs. simplicity and human behavior

21:42 Caller Lynn: Political discomfort with Schwab as custodian

26:26 Keeping an advisor despite ideological concerns

28:38 Raising the retirement age: Denmark vs. U.S.

32:48 Fixing Social Security: remove the wage cap

35:29 Listener reviews, crypto hate, and ETF conspiracy theories
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1:07 Morningstar’s ‘5 of the Best’ investing methods reviewed

1:48 Balanced funds and target-date funds: pros and cautions

2:48 Three-fund and custom-fit portfolios discussed

4:08 Critique of Morningstar’s recommended balanced funds

6:19 Expense ratios of target-date funds and better alternatives

7:17 Morningstar’s risky allocation advice near retirement

9:17 Why one-size-fits-all portfolios don’t work

10:14 Caller Sally: Should we move from T. Rowe Price 401k?

12:56 T. Rowe Price vs. Vanguard fee comparison

14:03 How to roll over a 401k into an IRA

17:39 Custom portfolios vs. simplicity and human behavior

21:42 Caller Lynn: Political discomfort with Schwab as custodian

26:26 Keeping an advisor despite ideological concerns

28:38 Raising the retirement age: Denmark vs. U.S.

32:48 Fixing Social Security: remove the wage cap

35:29 Listener reviews, crypto hate, and ETF conspiracy theories
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]]> Don McDonald 79e0181c-2eb4-11f1-b6ec-e75e64aa38a8 Wed, 04 Jun 2025 14:39:00 -0400 2400 false Crypto Markets Efficient? Crypto Markets Efficient?
0:56 Tom and Don reluctantly dive into Bitcoin and crypto’s price spike

1:37 Are crypto markets truly efficient? Academia vs. reality

2:44 Price goes up because price went up? Questioning efficient market theory

4:17 Cliff Asness on how social media distorts collective investment judgment

6:23 Don restates the three ways to make money: work, luck, dishonesty

6:50 Harvard-style debate: Can markets be truly efficient?

8:24 Rational ignorance and emotional investing behavior

9:36 Fama says Bitcoin will go to zero within a decade

10:30 Dogecoin and meme coins: speculative absurdity vs. real purpose

12:06 Investment principles: Diversify, plan, ignore hype

13:51 Tom and Don are ‘contrary indicators’—Bitcoin jokes ensue

14:14 Call: Clinton in CA asks where to put pension payments he doesn’t need yet

16:13 Investment advice for 5-year+ horizon: high yield/cash/bond/stock mix

17:48 Tom’s wife builds a wheelbarrow, financial education “nonprofit” mailer

19:11 Crypto joke segment: FartCoin rises to $3.50… and the bad puns begin

22:02 Call: Jeff from Canada on gold returns vs. bond stability

24:24 Should gold be part of a diversified portfolio? Historical returns debunked

28:39 Gold bar nostalgia vs. investment logic

29:58 TRM T-shirt giveaway and gold vs. bonds as ‘cool’ vs. smart

31:30 Call: Zach in NC—Should he roll old 401(k) into state pension plan?

33:10 Breakdown of NC pension plan fund options and a 90/10 allocation strategy

36:03 Don signs up for a “non-sales” financial education class by an unlicensed guy

37:50 Red flags: financial advisor not registered anywhere, mystery deepens
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0:56 Tom and Don reluctantly dive into Bitcoin and crypto’s price spike

1:37 Are crypto markets truly efficient? Academia vs. reality

2:44 Price goes up because price went up? Questioning efficient market theory

4:17 Cliff Asness on how social media distorts collective investment judgment

6:23 Don restates the three ways to make money: work, luck, dishonesty

6:50 Harvard-style debate: Can markets be truly efficient?

8:24 Rational ignorance and emotional investing behavior

9:36 Fama says Bitcoin will go to zero within a decade

10:30 Dogecoin and meme coins: speculative absurdity vs. real purpose

12:06 Investment principles: Diversify, plan, ignore hype

13:51 Tom and Don are ‘contrary indicators’—Bitcoin jokes ensue

14:14 Call: Clinton in CA asks where to put pension payments he doesn’t need yet

16:13 Investment advice for 5-year+ horizon: high yield/cash/bond/stock mix

17:48 Tom’s wife builds a wheelbarrow, financial education “nonprofit” mailer

19:11 Crypto joke segment: FartCoin rises to $3.50… and the bad puns begin

22:02 Call: Jeff from Canada on gold returns vs. bond stability

24:24 Should gold be part of a diversified portfolio? Historical returns debunked

28:39 Gold bar nostalgia vs. investment logic

29:58 TRM T-shirt giveaway and gold vs. bonds as ‘cool’ vs. smart

31:30 Call: Zach in NC—Should he roll old 401(k) into state pension plan?

33:10 Breakdown of NC pension plan fund options and a 90/10 allocation strategy

36:03 Don signs up for a “non-sales” financial education class by an unlicensed guy

37:50 Red flags: financial advisor not registered anywhere, mystery deepens
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]]> Don McDonald 7f4ffa38-2eb4-11f1-b6ec-63dd7a18db56 Tue, 03 Jun 2025 13:08:00 -0400 2417 false Only Six Minutes? Only Six Minutes?
0:04 Stock picking takes 6 minutes, says NYU study

1:09 Why people pick stocks without research

1:56 Risk analysis ignored by most investors

2:57 The illusion of gut instinct investing

4:22 Beating the market is harder than it looks

5:44 The fantasy of picking only “good” stocks

7:10 The control myth and cost of stock picking

8:29 Buffett’s process vs. your fantasy

9:53 The illusion of control and tax myths

10:58 What real diversification means

12:11 You’re wasting time, not just money

13:11 Emotion makes individual stock picking harder

13:59 Familiarity bias in hometown investing

15:21 Listener Q1: Roth 401k rollover planning

16:27 How many ETFs should a multimillion Roth have?

17:59 Get fiduciary help or risk being sold garbage

18:21 Listener Q2: Roth conversion tax trap

20:17 RMDs aren’t the enemy—bad Roth math is

20:29 Listener Q3: Fidelity commingled target-date fund

21:35 Why active target funds fail investors

22:07 Better option: Three low-cost ETFs instead
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]]>
0:04 Stock picking takes 6 minutes, says NYU study

1:09 Why people pick stocks without research

1:56 Risk analysis ignored by most investors

2:57 The illusion of gut instinct investing

4:22 Beating the market is harder than it looks

5:44 The fantasy of picking only “good” stocks

7:10 The control myth and cost of stock picking

8:29 Buffett’s process vs. your fantasy

9:53 The illusion of control and tax myths

10:58 What real diversification means

12:11 You’re wasting time, not just money

13:11 Emotion makes individual stock picking harder

13:59 Familiarity bias in hometown investing

15:21 Listener Q1: Roth 401k rollover planning

16:27 How many ETFs should a multimillion Roth have?

17:59 Get fiduciary help or risk being sold garbage

18:21 Listener Q2: Roth conversion tax trap

20:17 RMDs aren’t the enemy—bad Roth math is

20:29 Listener Q3: Fidelity commingled target-date fund

21:35 Why active target funds fail investors

22:07 Better option: Three low-cost ETFs instead
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]]> Don McDonald af372bcc-2eb4-11f1-b6ec-4be8cfc7cd7a Mon, 02 Jun 2025 15:47:00 -0400 1586 false Bonds, Bluffers, and Buckets Bonds, Bluffers, and Buckets
0:10 Don introduces the many ways listeners can submit questions

2:21 Q1: SPAXX vs. VTEB for short-term savings—liquidity vs. yield

5:34 Why money market wins for money needed within 2–3 years

6:27 Q2: How much cash should retirees keep—and when to use it?

7:25 Retirement cash strategy: living cash vs. true emergencies

9:31 Q3: Advisor recommends Cliffwater CCLFX—should I worry?

11:01 CCLFX breakdown: 10% yield sounds sexy, but what’s the cost?

13:27 A thousand times the cost of Vanguard bonds—yes, really

15:41 Don: this “fiduciary” isn’t acting in your best interest

17:01 Q4: Do Vanguard’s active funds still belong in a portfolio?

18:18 PrimeCap vs. VTI—higher cost, same return, less diversification

19:56 Active funds are legacy products—and not built for the long game

20:25 Q5: TIPS bonds—smart inflation hedge or overweight risk?

22:48 Equities already provide inflation protection—TIPS should be a slice, not half

24:03 Don reflects on 40 years in talk radio—and thanks loyal listeners
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]]>
0:10 Don introduces the many ways listeners can submit questions

2:21 Q1: SPAXX vs. VTEB for short-term savings—liquidity vs. yield

5:34 Why money market wins for money needed within 2–3 years

6:27 Q2: How much cash should retirees keep—and when to use it?

7:25 Retirement cash strategy: living cash vs. true emergencies

9:31 Q3: Advisor recommends Cliffwater CCLFX—should I worry?

11:01 CCLFX breakdown: 10% yield sounds sexy, but what’s the cost?

13:27 A thousand times the cost of Vanguard bonds—yes, really

15:41 Don: this “fiduciary” isn’t acting in your best interest

17:01 Q4: Do Vanguard’s active funds still belong in a portfolio?

18:18 PrimeCap vs. VTI—higher cost, same return, less diversification

19:56 Active funds are legacy products—and not built for the long game

20:25 Q5: TIPS bonds—smart inflation hedge or overweight risk?

22:48 Equities already provide inflation protection—TIPS should be a slice, not half

24:03 Don reflects on 40 years in talk radio—and thanks loyal listeners
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]]> Don McDonald b8baa3b8-2eb4-11f1-b6ec-af0e6427ef27 Fri, 30 May 2025 15:55:00 -0400 1639 false Bad Advice the Norm? Bad Advice the Norm?
0:04 Memorial Day weekend caller drought and listener outrage over not using cash

1:10 Don reflects on talk radio, aging, and Colonel Sanders

2:05 Gallup survey reveals where Americans get financial advice—spoiler: it’s not ideal

3:47 Breakdown of advice sources: friends, family, advisors, websites, banks, podcasts

5:23 Tom reads the actual top 10 list from Gallup—cue confusion and math jokes

7:54 Why banks may be the worst place to get financial advice

10:18 Fiduciary fail: Only 1% of advisors always act in your best interest

12:36 Sound effects galore and nobody on the phone—hello, crickets

15:53 Brad finally calls back with fears over Israel-Iran conflict and market moves

21:38 Why gold isn’t a smart hedge, even in global turmoil

23:52 The myth of timing the market, even with breaking geopolitical news

27:02 Mike calls from Lacey to argue that ditching cash detaches us from reality

31:23 Don flexes with $473 in his wallet (and a wife who gives him money)

32:23 Jason the mobile mechanic asks how to save for retirement

34:08 Jason’s stuck with an advisor—but doesn’t know what he’s invested in

36:19 The guys lay out a DIY Roth strategy and recommend ditching the advisor
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]]>
0:04 Memorial Day weekend caller drought and listener outrage over not using cash

1:10 Don reflects on talk radio, aging, and Colonel Sanders

2:05 Gallup survey reveals where Americans get financial advice—spoiler: it’s not ideal

3:47 Breakdown of advice sources: friends, family, advisors, websites, banks, podcasts

5:23 Tom reads the actual top 10 list from Gallup—cue confusion and math jokes

7:54 Why banks may be the worst place to get financial advice

10:18 Fiduciary fail: Only 1% of advisors always act in your best interest

12:36 Sound effects galore and nobody on the phone—hello, crickets

15:53 Brad finally calls back with fears over Israel-Iran conflict and market moves

21:38 Why gold isn’t a smart hedge, even in global turmoil

23:52 The myth of timing the market, even with breaking geopolitical news

27:02 Mike calls from Lacey to argue that ditching cash detaches us from reality

31:23 Don flexes with $473 in his wallet (and a wife who gives him money)

32:23 Jason the mobile mechanic asks how to save for retirement

34:08 Jason’s stuck with an advisor—but doesn’t know what he’s invested in

36:19 The guys lay out a DIY Roth strategy and recommend ditching the advisor
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]]> Don McDonald 8233619a-2eb4-11f1-b6ec-7bfe64227a03 Thu, 29 May 2025 17:46:00 -0400 2466 false 9%? Not a Chance 9%? Not a Chance
0:02 Casual intro and location check-in

0:31 Hypocrisy alert: fake fiduciaries on financial radio

2:00 Breaking down ‘financial educators’ who sell insurance only

3:25 Indexed annuity scam warning: 9% guaranteed is fiction

6:19 Nationwide annuity disclosure analysis

9:03 Commissions: $80K for one sale?!

10:11 IRAs and annuities: redundant tax deferral

11:24 Regulatory capture and lobbying by insurance industry

12:58 The fiduciary shortage in podcasting

14:14 Call-in encouragement and radio nostalgia

15:36 Don guest stars on fiduciary podcast by Jesse Kramer

16:56 More index annuity myths debunked

17:07 Listener question: ETF vs mutual fund returns (VT vs VTSAX)

20:49 Why there’s virtually no performance difference

21:50 RIP, Penny: U.S. to stop minting pennies

23:10 Loose change stats: $14B in jars, $68M thrown away

24:40 Coin humor, dresser change, and Don’s cash hate

27:07 Listener call from retirement researcher: 4% rule vs 5.5%

29:34 Explaining bond prices vs yields like a teeter-totter

33:01 Bond laddering psychology vs ETF simplicity

36:06 Call from Colorado: portfolio researcher shares insight

38:24 Upcoming federal employee retirement planning webinars







This episode brings the heat on so-called “financial educators” masquerading as fiduciaries while hawking high-commission indexed annuities. Don and Tom dissect the misleading promises of 9% guaranteed returns, break down real disclosure numbers, and expose the enormous commissions driving these “recommendations.” Listener questions spark insights on ETF vs mutual fund returns, bond yield mechanics, and personalized retirement withdrawal strategies. Oh, and say goodbye to the penny—it’s headed for extinction.













“9% Guaranteed? Yeah, Right.”




“Annuities, Hypocrisy, and a Penny for Your Lies”




“The $80K Commission You Never Saw Coming”




“Fake Educators, Real Damage”




“Bonds, Bull, and the Death of the Penny”








Want sassier or punchier? I’ve got reserves.











Scene:

A retro 1950s-style classroom. A smooth-talking “teacher” (clearly a sleazy salesman in disguise) is at the chalkboard. The chalkboard reads “9% GUARANTEED!” in big bold letters.

Details:





The “teacher” wears a fake professor’s robe but underneath it, dollar signs peek out of a gaudy suit.




In the corner, a “fiduciary” badge sits untouched on the desk.




A shocked student (maybe a piggy bank with arms) raises its hand in horror.




Light sepia-toned filter, mid-century vibe, logo space top left clear.








Ready for art now?













Say the word and I’ll whip up the image. Want to punch up the summary or swap out a title? I’m yours. 

🎙

Questions? Comments? Click!

]]>
0:02 Casual intro and location check-in

0:31 Hypocrisy alert: fake fiduciaries on financial radio

2:00 Breaking down ‘financial educators’ who sell insurance only

3:25 Indexed annuity scam warning: 9% guaranteed is fiction

6:19 Nationwide annuity disclosure analysis

9:03 Commissions: $80K for one sale?!

10:11 IRAs and annuities: redundant tax deferral

11:24 Regulatory capture and lobbying by insurance industry

12:58 The fiduciary shortage in podcasting

14:14 Call-in encouragement and radio nostalgia

15:36 Don guest stars on fiduciary podcast by Jesse Kramer

16:56 More index annuity myths debunked

17:07 Listener question: ETF vs mutual fund returns (VT vs VTSAX)

20:49 Why there’s virtually no performance difference

21:50 RIP, Penny: U.S. to stop minting pennies

23:10 Loose change stats: $14B in jars, $68M thrown away

24:40 Coin humor, dresser change, and Don’s cash hate

27:07 Listener call from retirement researcher: 4% rule vs 5.5%

29:34 Explaining bond prices vs yields like a teeter-totter

33:01 Bond laddering psychology vs ETF simplicity

36:06 Call from Colorado: portfolio researcher shares insight

38:24 Upcoming federal employee retirement planning webinars







This episode brings the heat on so-called “financial educators” masquerading as fiduciaries while hawking high-commission indexed annuities. Don and Tom dissect the misleading promises of 9% guaranteed returns, break down real disclosure numbers, and expose the enormous commissions driving these “recommendations.” Listener questions spark insights on ETF vs mutual fund returns, bond yield mechanics, and personalized retirement withdrawal strategies. Oh, and say goodbye to the penny—it’s headed for extinction.













“9% Guaranteed? Yeah, Right.”




“Annuities, Hypocrisy, and a Penny for Your Lies”




“The $80K Commission You Never Saw Coming”




“Fake Educators, Real Damage”




“Bonds, Bull, and the Death of the Penny”








Want sassier or punchier? I’ve got reserves.











Scene:

A retro 1950s-style classroom. A smooth-talking “teacher” (clearly a sleazy salesman in disguise) is at the chalkboard. The chalkboard reads “9% GUARANTEED!” in big bold letters.

Details:





The “teacher” wears a fake professor’s robe but underneath it, dollar signs peek out of a gaudy suit.




In the corner, a “fiduciary” badge sits untouched on the desk.




A shocked student (maybe a piggy bank with arms) raises its hand in horror.




Light sepia-toned filter, mid-century vibe, logo space top left clear.








Ready for art now?













Say the word and I’ll whip up the image. Want to punch up the summary or swap out a title? I’m yours. 

🎙

Questions? Comments? Click!

]]> Don McDonald 80b1549e-2eb4-11f1-b6ec-37463aab2b06 Wed, 28 May 2025 16:14:00 -0400 2482 false Target Date Truth Target Date Truth
0:04 Tom’s back (briefly), and the banter’s already off the rails1:42 Target date funds: the set-it-and-forget-it investing strategy3:06 $4 trillion invested—do they actually work?4:29 Performance since 2010: solid but not spectacular4:52 Fees dropping, but some funds still gouge6:06 Comparing returns: Vanguard, Hancock, American Funds, Voya7:39 Hidden loads and fees—legal, but not ethical7:59 Target date trouble: they don’t know you9:03 Asset allocation assumptions can misfit your real risk9:44 Most funds overweight large U.S. companies11:14 What Vanguard 2025 actually holds (spoiler: little value)12:43 Better than nothing—but not better than customized13:38 Final take: decent for novices, but beware high fees and mismatched risk16:15 Listener Q1: Roth IRAs in only VFIAX—good idea for young investors?17:36 Why global small-cap value ETFs are a better long-term choice19:04 Comparing AVGE, DFAW, and VT—size and cost matter19:36 Listener Q2: Where to hold tax money without exceeding FDIC limits21:30 FDIC realities and alternative safe options like government money markets22:23 Tax math: fed + Illinois = close to 50% if income, less if capital gains23:52 Hidden state tax traps and EV drivers dodging gas taxes24:13 Pre-DOGE Teslas and pre-Elon excuses
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]]>
0:04 Tom’s back (briefly), and the banter’s already off the rails1:42 Target date funds: the set-it-and-forget-it investing strategy3:06 $4 trillion invested—do they actually work?4:29 Performance since 2010: solid but not spectacular4:52 Fees dropping, but some funds still gouge6:06 Comparing returns: Vanguard, Hancock, American Funds, Voya7:39 Hidden loads and fees—legal, but not ethical7:59 Target date trouble: they don’t know you9:03 Asset allocation assumptions can misfit your real risk9:44 Most funds overweight large U.S. companies11:14 What Vanguard 2025 actually holds (spoiler: little value)12:43 Better than nothing—but not better than customized13:38 Final take: decent for novices, but beware high fees and mismatched risk16:15 Listener Q1: Roth IRAs in only VFIAX—good idea for young investors?17:36 Why global small-cap value ETFs are a better long-term choice19:04 Comparing AVGE, DFAW, and VT—size and cost matter19:36 Listener Q2: Where to hold tax money without exceeding FDIC limits21:30 FDIC realities and alternative safe options like government money markets22:23 Tax math: fed + Illinois = close to 50% if income, less if capital gains23:52 Hidden state tax traps and EV drivers dodging gas taxes24:13 Pre-DOGE Teslas and pre-Elon excuses
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]]> Don McDonald 8ad20b76-2eb4-11f1-b6ec-db2506d54910 Tue, 27 May 2025 15:13:00 -0400 1624 false Queries and Clarity Queries and Clarity
0:56 Roth conversions vs. tax software forecasts

Don breaks down a listener’s dilemma between believing Bolden software’s results and the unpredictable future of taxes.

3:16 Selling a $1.3M home to your daughter at a discount

Creative estate planning meets real estate risk. Don dives into the tax, gift, and legal landmines.

9:21 Should I worry about foreign tax credits with VT?

A listener’s ETF portfolio prompts a discussion on whether VT’s structure means missing out on foreign tax credit benefits.

14:13 “Is Tom using a money multiplier?”

A sharp-eared listener catches a math slip and asks whether Tom is secretly using margin or magic.

15:35 Holistic financial planning for a stretched young family

In a heartfelt question, a 30-something couple wonders how to juggle mortgage, saving, and life without burning out. Don gives them more than advice—he gives them permission.

21:59 Don’s guest appearance on Personal Finance for Long-Term Investors

If you want more Don, check out his chat about annuities with Jesse Kramer.
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]]>
0:56 Roth conversions vs. tax software forecasts

Don breaks down a listener’s dilemma between believing Bolden software’s results and the unpredictable future of taxes.

3:16 Selling a $1.3M home to your daughter at a discount

Creative estate planning meets real estate risk. Don dives into the tax, gift, and legal landmines.

9:21 Should I worry about foreign tax credits with VT?

A listener’s ETF portfolio prompts a discussion on whether VT’s structure means missing out on foreign tax credit benefits.

14:13 “Is Tom using a money multiplier?”

A sharp-eared listener catches a math slip and asks whether Tom is secretly using margin or magic.

15:35 Holistic financial planning for a stretched young family

In a heartfelt question, a 30-something couple wonders how to juggle mortgage, saving, and life without burning out. Don gives them more than advice—he gives them permission.

21:59 Don’s guest appearance on Personal Finance for Long-Term Investors

If you want more Don, check out his chat about annuities with Jesse Kramer.
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]]> Don McDonald 98da67ae-2eb4-11f1-b6ec-f318cc9e1c96 Fri, 23 May 2025 16:28:00 -0400 1484 false Alternative Adversities Alternative Adversities
0:04 Don’s HOA horror story: auction-rate securities before the 2008 collapse

2:06 Liquidity vanishes when you need it most—Wall Street Journal echoes the warning

3:51 Harvard’s endowment crash: elite returns turn embarrassing

4:34 Private equity’s scary recipe: micro-cap risk + debt + 3–4% fees

5:44 Why these complex products often spark crises

6:42 “Works until it doesn’t”: the fatal flaw of illiquid alternatives

8:10 Illiquidity explained with the real estate analogy

10:13 State pension investing: lessons from Washington’s shift to index funds

11:32 Why elite endowment managers must pretend to be smarter than markets

12:10 Microsoft vs. Mac: the cost of complexity, again

13:15 Secret formulas, snake oil, and the myth of exclusive financial wisdom

14:36 Listener Q1: Can Alaska pension income go into a Roth?

16:25 Listener Q2: Qualified Opportunity Zones—worth it or tax dodge trap?

19:05 Tax deferral vs. sound investing: when kicking the can isn’t smart

20:27 Listener Q3: Fidelity’s CD ladder tool and emergency funds

21:40 How CD ladders smooth yields—and a shortcut with bond funds

23:27 Volatility = reward: why risk is the reason stocks outperform

24:10 Why indexed annuities kill returns—and the fake comfort they sell

25:30 Tech support rants, Gen Z lifelines, and the “is it plugged in?” curse
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]]>
0:04 Don’s HOA horror story: auction-rate securities before the 2008 collapse

2:06 Liquidity vanishes when you need it most—Wall Street Journal echoes the warning

3:51 Harvard’s endowment crash: elite returns turn embarrassing

4:34 Private equity’s scary recipe: micro-cap risk + debt + 3–4% fees

5:44 Why these complex products often spark crises

6:42 “Works until it doesn’t”: the fatal flaw of illiquid alternatives

8:10 Illiquidity explained with the real estate analogy

10:13 State pension investing: lessons from Washington’s shift to index funds

11:32 Why elite endowment managers must pretend to be smarter than markets

12:10 Microsoft vs. Mac: the cost of complexity, again

13:15 Secret formulas, snake oil, and the myth of exclusive financial wisdom

14:36 Listener Q1: Can Alaska pension income go into a Roth?

16:25 Listener Q2: Qualified Opportunity Zones—worth it or tax dodge trap?

19:05 Tax deferral vs. sound investing: when kicking the can isn’t smart

20:27 Listener Q3: Fidelity’s CD ladder tool and emergency funds

21:40 How CD ladders smooth yields—and a shortcut with bond funds

23:27 Volatility = reward: why risk is the reason stocks outperform

24:10 Why indexed annuities kill returns—and the fake comfort they sell

25:30 Tech support rants, Gen Z lifelines, and the “is it plugged in?” curse
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]]> Don McDonald 61cf3fa0-2eb4-11f1-b6ec-33e7394a3fa4 Thu, 22 May 2025 17:58:00 -0400 1737 false Downgrade Impact Downgrade Impact
0:04 Show open; Tom and Don back on the line, with tech trouble and small-town banter1:45 U.S. credit downgrade and what it means for investors5:20 What to do now: diversify bonds, stay short-term, add global exposure7:26 Call: Ike from Marysville — strong retirement income, rental questions, safe stock skepticism13:44 Installment sale talk, tax planning, and passive income alternatives15:41 Call: Nick vents on U.S. debt history and tax policy—“Reagan to Trump, same mistakes”19:44 Call: Pat the military retiree—$14K in credit card debt, $400K in IRA, what to do?24:25 Strategy: Use cash and IRA to eliminate debt fast—stop paying 20% to Discover27:12 Call: Jody from Blaine — 65, working, scared to invest, $80K in savings33:57 Advice: Keep the mortgage, max the 401(k), move money into higher-yield and growth35:18 Wrap-up: Graduation pride, plane trivia, caulk jokes, and a heartfelt call to action
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]]>
0:04 Show open; Tom and Don back on the line, with tech trouble and small-town banter1:45 U.S. credit downgrade and what it means for investors5:20 What to do now: diversify bonds, stay short-term, add global exposure7:26 Call: Ike from Marysville — strong retirement income, rental questions, safe stock skepticism13:44 Installment sale talk, tax planning, and passive income alternatives15:41 Call: Nick vents on U.S. debt history and tax policy—“Reagan to Trump, same mistakes”19:44 Call: Pat the military retiree—$14K in credit card debt, $400K in IRA, what to do?24:25 Strategy: Use cash and IRA to eliminate debt fast—stop paying 20% to Discover27:12 Call: Jody from Blaine — 65, working, scared to invest, $80K in savings33:57 Advice: Keep the mortgage, max the 401(k), move money into higher-yield and growth35:18 Wrap-up: Graduation pride, plane trivia, caulk jokes, and a heartfelt call to action
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]]> Don McDonald 86547c6e-2eb4-11f1-b6ec-1fe53340ddad Wed, 21 May 2025 17:25:00 -0400 2449 false $8 Trillion Turnaround $8 Trillion Turnaround
0:04 Don’s cursed travel story: jet lag, delays, and onboard medical drama1:28 Welcome back—Tom’s model aircraft museum returns2:48 Market rewind: sharp drop and $8T rebound3:55 April 8 market bottom; temper tantrum or bear tease?4:40 CNN Fear & Greed Index: from panic to euphoria in weeks6:27 Fan mail: “Planes, Trains & Cryptocurrency” and Tesla hate from a Lyft driver7:43 Don’s Broadway singalong graduation trip to NYC9:01 Recession odds fall fast—tariffs rise faster11:27 Tom calls out the mayor’s interest rate prediction logic13:01 Check your 401(k)? Maybe don’t—unless you’re learning your risk tolerance14:10 Don’s “Tune Out the Noise” video hits 10+ million views16:43 Listener challenge: Why bash Fidelity annuities?18:47 Don’s CD ladder vs. annuities—why he prefers federal over contractual guarantees20:10 Even “no load” annuities can be slippery—careful with the fine print21:51 TRM hits 1,648 episodes (and counting)22:44 Listener Bruce: From broke in 1989 to comfortably retired, thanks to Don24:17 Remember load funds? Why no-loads and ETFs rule now25:59 American Funds' ETF pivot: lipstick on a mutual fund28:36 Listener question: Invest inheritance or pay off 6.6% mortgage?33:10 Roth IRA strategy, liquidity concerns, and investing at age 3536:17 Graduation singers belt Sinatra’s “New York, New York” at Radio City38:21 Reminder: Free portfolio help at TalkingRealMoney.com39:53 End-of-show degeneracy: full monty jokes, sensitivity training, and accidental innuendo
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0:04 Don’s cursed travel story: jet lag, delays, and onboard medical drama1:28 Welcome back—Tom’s model aircraft museum returns2:48 Market rewind: sharp drop and $8T rebound3:55 April 8 market bottom; temper tantrum or bear tease?4:40 CNN Fear & Greed Index: from panic to euphoria in weeks6:27 Fan mail: “Planes, Trains & Cryptocurrency” and Tesla hate from a Lyft driver7:43 Don’s Broadway singalong graduation trip to NYC9:01 Recession odds fall fast—tariffs rise faster11:27 Tom calls out the mayor’s interest rate prediction logic13:01 Check your 401(k)? Maybe don’t—unless you’re learning your risk tolerance14:10 Don’s “Tune Out the Noise” video hits 10+ million views16:43 Listener challenge: Why bash Fidelity annuities?18:47 Don’s CD ladder vs. annuities—why he prefers federal over contractual guarantees20:10 Even “no load” annuities can be slippery—careful with the fine print21:51 TRM hits 1,648 episodes (and counting)22:44 Listener Bruce: From broke in 1989 to comfortably retired, thanks to Don24:17 Remember load funds? Why no-loads and ETFs rule now25:59 American Funds' ETF pivot: lipstick on a mutual fund28:36 Listener question: Invest inheritance or pay off 6.6% mortgage?33:10 Roth IRA strategy, liquidity concerns, and investing at age 3536:17 Graduation singers belt Sinatra’s “New York, New York” at Radio City38:21 Reminder: Free portfolio help at TalkingRealMoney.com39:53 End-of-show degeneracy: full monty jokes, sensitivity training, and accidental innuendo
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]]> Don McDonald cf4d0aa8-2eb4-11f1-b6ec-d71db94b689e Tue, 20 May 2025 16:07:00 -0400 2513 false A Dimensional Mind A Dimensional Mind
0:04 Don’s surprise “singing telegram” and guest intro0:53 Weston Wellington on volatility and market uncertainty2:47 Why volatility is the “price we pay to play”3:32 The media’s role in investor anxiety4:57 Should investors act on daily financial advice?6:15 Portfolio changes should reflect personal changes, not headlines7:24 Spam vs. Motorola: A lesson in stock picking9:44 Dimensional’s stance on individual stock ownership10:02 Diversification as “the closest thing to a free lunch”11:07 Are alternative investments the new magic bullet?12:43 Mutual funds vs. ETFs—what works best and when15:27 Industry evolution: from 8% loads to indexing dominance18:29 Where Dimensional fits in the modern fund landscape21:01 AI vs. “aggregated intelligence” in managing portfolios24:04 How regular people can find real financial advice25:34 The key to success: Temperament, not timing26:44 Weston’s side gig as a roving birthday singer27:58 Why Weston hasn’t been invited lately (and he's lonely)
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0:04 Don’s surprise “singing telegram” and guest intro0:53 Weston Wellington on volatility and market uncertainty2:47 Why volatility is the “price we pay to play”3:32 The media’s role in investor anxiety4:57 Should investors act on daily financial advice?6:15 Portfolio changes should reflect personal changes, not headlines7:24 Spam vs. Motorola: A lesson in stock picking9:44 Dimensional’s stance on individual stock ownership10:02 Diversification as “the closest thing to a free lunch”11:07 Are alternative investments the new magic bullet?12:43 Mutual funds vs. ETFs—what works best and when15:27 Industry evolution: from 8% loads to indexing dominance18:29 Where Dimensional fits in the modern fund landscape21:01 AI vs. “aggregated intelligence” in managing portfolios24:04 How regular people can find real financial advice25:34 The key to success: Temperament, not timing26:44 Weston’s side gig as a roving birthday singer27:58 Why Weston hasn’t been invited lately (and he's lonely)
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]]> Don McDonald b2526254-2eb4-11f1-b6ec-93be401ad0ae Mon, 19 May 2025 17:22:00 -0400 1819 false You Ask. Don Rants. You Ask. Don Rants.
0:04 Don returns from NYU graduation trip and thanks listeners for sending questions0:56 Should a 54/61-year-old couple convert traditional IRA to Roth? “It depends”3:05 Federal employee asks about the TSP G Fund – why it’s loved, and when not to use it5:47 High earners ask about cash balance plans – Don says beware the fees and opacity11:05 Planning for RMDs at 73 – monthly, quarterly, or lump sum? Don prefers year-end13:38 60-year-old stuck in a principal 401(k) with 2.3% fees – Don goes full outrage18:28 “Are annuities ever appropriate?” Yes—but rarely, and only immediate ones
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0:04 Don returns from NYU graduation trip and thanks listeners for sending questions0:56 Should a 54/61-year-old couple convert traditional IRA to Roth? “It depends”3:05 Federal employee asks about the TSP G Fund – why it’s loved, and when not to use it5:47 High earners ask about cash balance plans – Don says beware the fees and opacity11:05 Planning for RMDs at 73 – monthly, quarterly, or lump sum? Don prefers year-end13:38 60-year-old stuck in a principal 401(k) with 2.3% fees – Don goes full outrage18:28 “Are annuities ever appropriate?” Yes—but rarely, and only immediate ones
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]]> Don McDonald 8265e192-2eb4-11f1-b6ec-830dd6d88e49 Fri, 16 May 2025 11:00:00 -0400 1439 false Diversify or Die (Poor)? Diversify or Die (Poor)?
0:04 Multilingual greetings, Cookie Monster, and off-the-rails intro1:38 Listeners ignore the banter—jump straight to annuity questions2:05 “Why would I want foreign stocks?” US home bias gets roasted2:39 International small-cap value up, S&P down—performance flips3:23 Blackberry nostalgia, Don’s voiceover gigs, and cowboy auditions5:30 U.S. vs. international investing—timing or chasing returns?6:48 Market cycles and why global investing reduces regret8:26 Feelings aren’t facts—own the planet, not your predictions10:08 Japan's 34-year climb back—and the real lesson of 199011:49 Dividends matter: Japan’s returns weren’t all dead12:20 Comparing VT, AVGE, and DFAW for global exposure14:33 Why Don prefers global funds over DIY U.S./intl combos15:30 A 1992 Japan vs. global return showdown—$10k becomes $41k or $233k17:50 They buried the lead—global diversification wins again18:14 Listener corrects math on 4% rule—Don admits the slip19:06 Comment on borrowing from 401(k) and the “double-tax” myth20:04 Facebook dad jokes derail Tom’s patience20:53 Trust investing dilemma: annuity vs. portfolio income23:50 Immediate annuity may be the best fit for a “failed-to-launch” son25:23 Where to shop for no-load annuities—Fidelity, Ameritas, Stan the Annuity Man
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0:04 Multilingual greetings, Cookie Monster, and off-the-rails intro1:38 Listeners ignore the banter—jump straight to annuity questions2:05 “Why would I want foreign stocks?” US home bias gets roasted2:39 International small-cap value up, S&P down—performance flips3:23 Blackberry nostalgia, Don’s voiceover gigs, and cowboy auditions5:30 U.S. vs. international investing—timing or chasing returns?6:48 Market cycles and why global investing reduces regret8:26 Feelings aren’t facts—own the planet, not your predictions10:08 Japan's 34-year climb back—and the real lesson of 199011:49 Dividends matter: Japan’s returns weren’t all dead12:20 Comparing VT, AVGE, and DFAW for global exposure14:33 Why Don prefers global funds over DIY U.S./intl combos15:30 A 1992 Japan vs. global return showdown—$10k becomes $41k or $233k17:50 They buried the lead—global diversification wins again18:14 Listener corrects math on 4% rule—Don admits the slip19:06 Comment on borrowing from 401(k) and the “double-tax” myth20:04 Facebook dad jokes derail Tom’s patience20:53 Trust investing dilemma: annuity vs. portfolio income23:50 Immediate annuity may be the best fit for a “failed-to-launch” son25:23 Where to shop for no-load annuities—Fidelity, Ameritas, Stan the Annuity Man
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]]> Don McDonald a059c68c-2eb4-11f1-b6ec-0b2e3ee521cf Thu, 15 May 2025 13:18:00 -0400 1752 false There's an Easier Way There's an Easier Way
0:00 — Opening thoughts on old-school investing1:30 — Why dividend stocks still captivate investors (and why they shouldn’t)3:45 — Caller wants to hand-pick dividend stocks for income—Don’s got a better plan6:12 — The problem with nostalgia-driven portfolios7:55 — What a pile of stock certificates used to represent—and what it doesn’t anymore9:40 — Why ETFs offer smarter, cheaper, saner exposure to dividends12:18 — Tom reflects on the emotional appeal of owning "pieces of companies"14:02 — Another caller asks: Should I dump my dividend ETF for higher-yield stocks?15:40 — Compounding, risk, and the illusion of control17:00 — Why chasing yield can lead to capital destruction19:15 — Final thoughts: Don’t mistake familiar for safe, or paper for value
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0:00 — Opening thoughts on old-school investing1:30 — Why dividend stocks still captivate investors (and why they shouldn’t)3:45 — Caller wants to hand-pick dividend stocks for income—Don’s got a better plan6:12 — The problem with nostalgia-driven portfolios7:55 — What a pile of stock certificates used to represent—and what it doesn’t anymore9:40 — Why ETFs offer smarter, cheaper, saner exposure to dividends12:18 — Tom reflects on the emotional appeal of owning "pieces of companies"14:02 — Another caller asks: Should I dump my dividend ETF for higher-yield stocks?15:40 — Compounding, risk, and the illusion of control17:00 — Why chasing yield can lead to capital destruction19:15 — Final thoughts: Don’t mistake familiar for safe, or paper for value
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]]> Don McDonald ced92c14-2eb4-11f1-b6ec-5342b763d9fc Wed, 14 May 2025 10:00:00 -0400 2510 false Two-Thirds are Wrong Two-Thirds are Wrong
0:10 — A third of Americans believe real estate or gold are the best long-term investments1:40 — The real historical winners: stocks beat gold and real estate by miles3:03 — Nearly 100 years of returns: real estate (4.2%), gold (5%), stocks (9.9%)6:00 — Don’s missed heart procedure and Tom’s recycled joke vault7:49 — Don’s NYC hotel sticker shock vs. Tom’s five-star absence excuse9:02 — Caller Jim asks about multi-year guaranteed annuities as bond alternatives10:01 — Why MYGAs aren’t remotely comparable to U.S. Treasuries13:07 — If something looks too good (5.8% guaranteed), it probably isn't14:25 — Another Jim (Florida) asks: lump sum or $250/month pension?17:30 — Financial flexibility vs. longevity risk in pension decisions21:32 — Listener dilemma: save for retirement or a house at 24?23:57 — Why early Roth contributions beat early homeownership for long-term wealth25:41 — Kyle in Indianapolis has an extra $40K—where should it go?27:26 — If it’s 5 years, don’t risk stocks. If it’s 10+, maybe30:47 — Allie from Wyoming asks: VT vs. VTI+VXUS for better foreign tax credits32:25 — Why foreign tax credit isn’t a good enough reason to skip VT34:21 — Global GDP, stock valuations, and the eternal U.S. vs. international allocation debate
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0:10 — A third of Americans believe real estate or gold are the best long-term investments1:40 — The real historical winners: stocks beat gold and real estate by miles3:03 — Nearly 100 years of returns: real estate (4.2%), gold (5%), stocks (9.9%)6:00 — Don’s missed heart procedure and Tom’s recycled joke vault7:49 — Don’s NYC hotel sticker shock vs. Tom’s five-star absence excuse9:02 — Caller Jim asks about multi-year guaranteed annuities as bond alternatives10:01 — Why MYGAs aren’t remotely comparable to U.S. Treasuries13:07 — If something looks too good (5.8% guaranteed), it probably isn't14:25 — Another Jim (Florida) asks: lump sum or $250/month pension?17:30 — Financial flexibility vs. longevity risk in pension decisions21:32 — Listener dilemma: save for retirement or a house at 24?23:57 — Why early Roth contributions beat early homeownership for long-term wealth25:41 — Kyle in Indianapolis has an extra $40K—where should it go?27:26 — If it’s 5 years, don’t risk stocks. If it’s 10+, maybe30:47 — Allie from Wyoming asks: VT vs. VTI+VXUS for better foreign tax credits32:25 — Why foreign tax credit isn’t a good enough reason to skip VT34:21 — Global GDP, stock valuations, and the eternal U.S. vs. international allocation debate
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]]> Don McDonald abd372ec-2eb4-11f1-b6ec-771c470d71aa Tue, 13 May 2025 15:00:00 -0400 2403 false Investing in Scary Times Investing in Scary Times
0:04 Welcome, podcast humor, and the pain of being downloaded1:10 The recurring fear-driven urge to “do something” with your portfolio1:33 Set it and forget it? Vanguard and others weigh in2:44 Remember AOL? The danger of investing with confidence in the wrong thing3:35 Volatility is the cost of real returns—don’t try to dodge it4:50 Presidential influence and personal political biases in investing5:50 Real portfolios with too few stocks and too much risk6:55 Missing just 10 good days in the market could cut your returns in half7:59 Buy and hold ≠ do nothing: how disciplined rebalancing works9:17 Should you be buying international now? Maybe… but only if rebalancing10:21 Feelings ≠ facts: don’t let emotions dictate portfolio moves11:31 “Tune Out the Noise”—free advice and a free YouTube documentary13:06 A musical market mantra written by ChatGPT14:47 When even your spouse doubts your strategy: the advisor's personal dilemma16:57 T-shirt spotted at Everest Base Camp—financial fame ascends18:14 Can you contribute to a Roth IRA using last year’s wages?19:54 Why young investors should love down markets20:11 Asset location dilemma: comparing AVUV vs FISVX in 401(k) plans23:54 Bedford, TX and a lesson in regional geography24:31 Don’t chase performance—get help and rebalance smart25:05 One more round of “Clueless is Smart”—market timing parody jingle
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0:04 Welcome, podcast humor, and the pain of being downloaded1:10 The recurring fear-driven urge to “do something” with your portfolio1:33 Set it and forget it? Vanguard and others weigh in2:44 Remember AOL? The danger of investing with confidence in the wrong thing3:35 Volatility is the cost of real returns—don’t try to dodge it4:50 Presidential influence and personal political biases in investing5:50 Real portfolios with too few stocks and too much risk6:55 Missing just 10 good days in the market could cut your returns in half7:59 Buy and hold ≠ do nothing: how disciplined rebalancing works9:17 Should you be buying international now? Maybe… but only if rebalancing10:21 Feelings ≠ facts: don’t let emotions dictate portfolio moves11:31 “Tune Out the Noise”—free advice and a free YouTube documentary13:06 A musical market mantra written by ChatGPT14:47 When even your spouse doubts your strategy: the advisor's personal dilemma16:57 T-shirt spotted at Everest Base Camp—financial fame ascends18:14 Can you contribute to a Roth IRA using last year’s wages?19:54 Why young investors should love down markets20:11 Asset location dilemma: comparing AVUV vs FISVX in 401(k) plans23:54 Bedford, TX and a lesson in regional geography24:31 Don’t chase performance—get help and rebalance smart25:05 One more round of “Clueless is Smart”—market timing parody jingle
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]]> Don McDonald ab913346-2eb4-11f1-b6ec-6fef4fccdd36 Mon, 12 May 2025 14:00:00 -0400 1614 false Six Subject Show Six Subject Show
0:04 Don's in his VO booth—surgery didn’t go as planned1:38 SIMPLE IRA fees: 5% commissions and better alternatives3:53 Roth IRA strategy: match in SIMPLE, max out Roth with AVGE8:35 Why that Raymond James advisor doesn’t want change9:43 Social Security breakeven isn’t one-size-fits-all11:35 Roth IRA transfer to Robinhood: does 5-year clock reset?13:04 What to ask when hiring a financial advisor16:06 Small-cap value vs. other stocks explained18:59 Comment: Prospectuses scare advisors (and why)21:42 Best international bond index fund? Try BNDX
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0:04 Don's in his VO booth—surgery didn’t go as planned1:38 SIMPLE IRA fees: 5% commissions and better alternatives3:53 Roth IRA strategy: match in SIMPLE, max out Roth with AVGE8:35 Why that Raymond James advisor doesn’t want change9:43 Social Security breakeven isn’t one-size-fits-all11:35 Roth IRA transfer to Robinhood: does 5-year clock reset?13:04 What to ask when hiring a financial advisor16:06 Small-cap value vs. other stocks explained18:59 Comment: Prospectuses scare advisors (and why)21:42 Best international bond index fund? Try BNDX
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]]> Don McDonald 844c8010-2eb4-11f1-b6ec-4763484cf312 Fri, 09 May 2025 12:29:00 -0400 1555 false Hidden Wealth Hidden Wealth
0:04 $35 trillion tied up in homes—does that make us rich or just house-poor?1:20 Post-COVID home equity boom: 80% growth, but at what cost?2:53 Renting vs. buying: the case for liquidity over bricks3:44 Property tax pain for retirees and why Florida isn't so tax-free after all4:21 Mortgage payoff: emotional win, financial mistake?5:48 Why home equity shouldn’t be your retirement income plan6:37 Housing’s historic returns: barely 3% pre-inflation7:54 Forced savings illusion and the real cost of home improvements8:45 If you’d invested instead of buying… you’d have more9:35 Reverse mortgages, HELOCs, and why it’s harder to get cash out10:19 Home equity lines now ~8%—not cheap or easy to get12:30 Big picture: don’t include home equity in your retirement spending plan14:05 Florida vs. California: which really costs more to live in?16:38 Insurance, taxes, and Florida's fraud problem18:50 Listener Q: Can you do both an IRA and a 401(k) in the same year? (Yes.)20:40 IRA vs. 401(k): pros, cons, and personal strategy22:53 Listener Q: Should we roll an old 403(b) to a Roth IRA?23:44 Talking Real Money’s audience numbers: brag-worthy and booming25:19 Retirement prep tip: match income to lifestyle before you retire
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0:04 $35 trillion tied up in homes—does that make us rich or just house-poor?1:20 Post-COVID home equity boom: 80% growth, but at what cost?2:53 Renting vs. buying: the case for liquidity over bricks3:44 Property tax pain for retirees and why Florida isn't so tax-free after all4:21 Mortgage payoff: emotional win, financial mistake?5:48 Why home equity shouldn’t be your retirement income plan6:37 Housing’s historic returns: barely 3% pre-inflation7:54 Forced savings illusion and the real cost of home improvements8:45 If you’d invested instead of buying… you’d have more9:35 Reverse mortgages, HELOCs, and why it’s harder to get cash out10:19 Home equity lines now ~8%—not cheap or easy to get12:30 Big picture: don’t include home equity in your retirement spending plan14:05 Florida vs. California: which really costs more to live in?16:38 Insurance, taxes, and Florida's fraud problem18:50 Listener Q: Can you do both an IRA and a 401(k) in the same year? (Yes.)20:40 IRA vs. 401(k): pros, cons, and personal strategy22:53 Listener Q: Should we roll an old 403(b) to a Roth IRA?23:44 Talking Real Money’s audience numbers: brag-worthy and booming25:19 Retirement prep tip: match income to lifestyle before you retire
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]]> Don McDonald 80c64106-2eb4-11f1-b6ec-6ffd3bb08b89 Thu, 08 May 2025 12:42:00 -0400 1680 false Will I Have Enough? Will I Have Enough?
0:04 Tom introduces Roxy and the episode’s core question: “Do I have enough to retire?”1:01 Why the idea of a single “magic number” is misleading and varies by lifestyle2:41 Roxy: $600k may be enough—or $3M might not be; it’s all about cash flow4:32 Despite lowering their goals, only 51% believe their retirement plan will work6:15 Roxy explains Monte Carlo analysis and why asset type (Roth vs. pre-tax) matters7:31 Why tracking actual spending matters more than estimates before retirement8:32 Caller: Should we sell the company stock in my wife’s 401(k)?9:18 Tom warns of overconfidence and stock concentration risk, citing WaMu collapse10:45 Roxy and Tom agree: diversify ASAP—don’t let company loyalty cloud judgment12:14 Historical cautionary tales on once-great companies that fell apart13:26 Regional bias: How geography skews investor confidence in local companies14:46 Caller: What to do with a $20k bonus after maxing out the 401(k)?16:11 Roth IRA contribution options for him and his wife, and the 5-year rule18:10 Bonus: Enhanced catch-up contributions for ages 60–63 explained20:31 Caller asks about RMDs, tax planning, and long-term care deductions21:53 Only qualified charitable distributions (QCDs) avoid tax on RMDs23:24 Roth contributions early in life can lead to massive long-term advantages24:47 Caller asks about a bond fund change in her HRA and 60/40 portfolio safety29:45 Why “safe” is the wrong word—know your plan, goals, and risk tolerance31:13 Caller wants her daughter to connect with Roxy for help managing her paycheck32:54 Yes—Roxy helps young clients with budgeting and financial foundations34:31 Why early saving and simple investing in your 20s is so powerful36:09 Tom announces upcoming trip to Portland and free portfolio reviews37:08 Final notes: building trust, long-term planning, and why they love the work
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0:04 Tom introduces Roxy and the episode’s core question: “Do I have enough to retire?”1:01 Why the idea of a single “magic number” is misleading and varies by lifestyle2:41 Roxy: $600k may be enough—or $3M might not be; it’s all about cash flow4:32 Despite lowering their goals, only 51% believe their retirement plan will work6:15 Roxy explains Monte Carlo analysis and why asset type (Roth vs. pre-tax) matters7:31 Why tracking actual spending matters more than estimates before retirement8:32 Caller: Should we sell the company stock in my wife’s 401(k)?9:18 Tom warns of overconfidence and stock concentration risk, citing WaMu collapse10:45 Roxy and Tom agree: diversify ASAP—don’t let company loyalty cloud judgment12:14 Historical cautionary tales on once-great companies that fell apart13:26 Regional bias: How geography skews investor confidence in local companies14:46 Caller: What to do with a $20k bonus after maxing out the 401(k)?16:11 Roth IRA contribution options for him and his wife, and the 5-year rule18:10 Bonus: Enhanced catch-up contributions for ages 60–63 explained20:31 Caller asks about RMDs, tax planning, and long-term care deductions21:53 Only qualified charitable distributions (QCDs) avoid tax on RMDs23:24 Roth contributions early in life can lead to massive long-term advantages24:47 Caller asks about a bond fund change in her HRA and 60/40 portfolio safety29:45 Why “safe” is the wrong word—know your plan, goals, and risk tolerance31:13 Caller wants her daughter to connect with Roxy for help managing her paycheck32:54 Yes—Roxy helps young clients with budgeting and financial foundations34:31 Why early saving and simple investing in your 20s is so powerful36:09 Tom announces upcoming trip to Portland and free portfolio reviews37:08 Final notes: building trust, long-term planning, and why they love the work
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]]> Don McDonald d03adfd0-2eb4-11f1-b6ec-e3b91cf901ed Wed, 07 May 2025 15:04:00 -0400 2446 false Lessons from a Legend Lessons from a Legend
0:05 Tom hosts solo, Don out recovering, show call-in number shared0:53 Warren Buffett announces 2025 retirement; lessons from his investing style2:49 Value investing, risk tolerance, and why most portfolios ignore value stocks5:05 Buffett’s ultimate advice: low-cost index funds, tune out the noise7:09 Guest Roxy Butner joins the live show for the first time7:28 Listener Q: YouTube doc Tune Out the Noise and Dimensional Fund Advisors8:44 Listener Q: Using 7% return assumptions—how conservative is that?10:53 Monte Carlo simulations vs. flat-rate assumptions in planning12:32 Saving percentages, lifestyle choices, and setting early-retirement goals14:04 You can't count on future returns—only saving and diversification15:22 Company stock danger: bias, volatility, and concentrated risk17:51 Behavioral finance: home bias and overconfidence in familiar firms20:32 Listener Q from Orlando: DFIV vs. VEU, building a smart ETF mix23:30 Discussing stock/bond ratios, fund tilts, and tax efficiency25:34 Roxy’s advice: multiple funds offer tax flexibility in taxable accounts27:16 Listener Q from Ottawa: Do ETF trades affect prices of underlying stocks?29:59 ETF structure explained, flash crash risk, and long-term thinking34:17 Listener wants a Talking Real Money nickname—challenge accepted34:44 ETF vs. mutual funds in taxable vs. retirement accounts36:19 Free portfolio reviews and Tom's May 21 visit to Lake Oswego38:29 Roxy's biggest mistake she sees: U.S. large-cap overconcentration
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0:05 Tom hosts solo, Don out recovering, show call-in number shared0:53 Warren Buffett announces 2025 retirement; lessons from his investing style2:49 Value investing, risk tolerance, and why most portfolios ignore value stocks5:05 Buffett’s ultimate advice: low-cost index funds, tune out the noise7:09 Guest Roxy Butner joins the live show for the first time7:28 Listener Q: YouTube doc Tune Out the Noise and Dimensional Fund Advisors8:44 Listener Q: Using 7% return assumptions—how conservative is that?10:53 Monte Carlo simulations vs. flat-rate assumptions in planning12:32 Saving percentages, lifestyle choices, and setting early-retirement goals14:04 You can't count on future returns—only saving and diversification15:22 Company stock danger: bias, volatility, and concentrated risk17:51 Behavioral finance: home bias and overconfidence in familiar firms20:32 Listener Q from Orlando: DFIV vs. VEU, building a smart ETF mix23:30 Discussing stock/bond ratios, fund tilts, and tax efficiency25:34 Roxy’s advice: multiple funds offer tax flexibility in taxable accounts27:16 Listener Q from Ottawa: Do ETF trades affect prices of underlying stocks?29:59 ETF structure explained, flash crash risk, and long-term thinking34:17 Listener wants a Talking Real Money nickname—challenge accepted34:44 ETF vs. mutual funds in taxable vs. retirement accounts36:19 Free portfolio reviews and Tom's May 21 visit to Lake Oswego38:29 Roxy's biggest mistake she sees: U.S. large-cap overconcentration
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]]> Don McDonald d141f1a2-2eb4-11f1-b6ec-3b78427656f1 Tue, 06 May 2025 12:23:00 -0400 2508 false Money Lessons That Matter Money Lessons That Matter
0:04 Back to basics: What young people really need to know about money1:35 Why financial literacy is shockingly low and how Don is tackling it2:47 Tom’s top five lessons: values, saving habits, compound interest, taxes, and risk10:48 Don’s five(ish) truths: uncertainty, diversification, history, luck, and time18:33 Bonus lesson: Save and invest for what money can do, not just to have more19:04 Q&A: Should a 36-year-old shift from a target fund to DFAW and AVGE?22:02 Listener wants to up international exposure without “buying winners”24:47 Rebalancing tips: why it’s okay to shift your allocation now in retirement accounts25:24 Reflections on past podcasts, Lit Reading, and leaving a legacy26:30 Soccer vs. baseball: Don’s confused but still trying
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0:04 Back to basics: What young people really need to know about money1:35 Why financial literacy is shockingly low and how Don is tackling it2:47 Tom’s top five lessons: values, saving habits, compound interest, taxes, and risk10:48 Don’s five(ish) truths: uncertainty, diversification, history, luck, and time18:33 Bonus lesson: Save and invest for what money can do, not just to have more19:04 Q&A: Should a 36-year-old shift from a target fund to DFAW and AVGE?22:02 Listener wants to up international exposure without “buying winners”24:47 Rebalancing tips: why it’s okay to shift your allocation now in retirement accounts25:24 Reflections on past podcasts, Lit Reading, and leaving a legacy26:30 Soccer vs. baseball: Don’s confused but still trying
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]]> Don McDonald 7a681370-2eb4-11f1-b6ec-f3d826e6b705 Mon, 05 May 2025 16:00:00 -0400 1911 false All Questions, No Dumb Ones All Questions, No Dumb Ones
0:05 Early episode recording—Don preps for heart surgery2:07 Fidelity Zero fund confusion over $50 foreign stock disclosure5:40 Can I retire with $500K, two pensions, and a 60/40 Roth portfolio?9:07 Is Wealthfront’s direct indexing portfolio worth it at $20K?12:46 Should I annuitize my pension or take the lump sum?15:30 IXUS vs. VEU for international diversification—does it matter?
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0:05 Early episode recording—Don preps for heart surgery2:07 Fidelity Zero fund confusion over $50 foreign stock disclosure5:40 Can I retire with $500K, two pensions, and a 60/40 Roth portfolio?9:07 Is Wealthfront’s direct indexing portfolio worth it at $20K?12:46 Should I annuitize my pension or take the lump sum?15:30 IXUS vs. VEU for international diversification—does it matter?
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]]> Don McDonald ac16afda-2eb4-11f1-b6ec-6b573a068168 Thu, 01 May 2025 16:20:00 -0400 1255 false Modern Money Myths Meet Their Match Modern Money Myths Meet Their Match
0:04 Myth-busting opener and Greek mythology jokes1:03 Myth #1: Paying off a 5% mortgage equals a 5% return5:14 Myth #2: Roth conversions always reduce taxes7:57 Myth #3: Social Security is going bankrupt13:20 Myth #4: The 4% rule guarantees retirement success17:16 Myth #5: It's better to get a tax refund than owe taxes18:54 Bonus myths: “I can save later,” “Investing is zero-sum,” and “High-cost funds perform better”21:21 Listener question: Social Security payback tax confusion26:42 Listener question: Best muni bond ETF for a high-tax-bracket senior
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0:04 Myth-busting opener and Greek mythology jokes1:03 Myth #1: Paying off a 5% mortgage equals a 5% return5:14 Myth #2: Roth conversions always reduce taxes7:57 Myth #3: Social Security is going bankrupt13:20 Myth #4: The 4% rule guarantees retirement success17:16 Myth #5: It's better to get a tax refund than owe taxes18:54 Bonus myths: “I can save later,” “Investing is zero-sum,” and “High-cost funds perform better”21:21 Listener question: Social Security payback tax confusion26:42 Listener question: Best muni bond ETF for a high-tax-bracket senior
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]]> Don McDonald 817a40ca-2eb4-11f1-b6ec-8f7ecab2caf9 Thu, 01 May 2025 16:15:00 -0400 1865 false Scares, Stockpiles and Smart Planning Scares, Stockpiles and Smart Planning
0:11 Consumers drive the economy—and investment returns0:47 Sentiment is slipping fast, and it could trigger a slowdown2:05 “Recession” and “depression” searches spike amid uncertainty3:11 Tariffs shift what we buy: food in, luxury out4:24 What investors should do now: boost emergency savings7:22 Auto stockpiling and tariff-fueled panic buying8:50 Prices rising, brand loyalty falling, and psychology shifting10:27 Volatility confuses perception—despite flat portfolio returns12:16 Emergency funds are real insurance without the gimmicks14:14 Spry 102-year-olds and the power of Bulgarian yogurt17:47 Best muni bond fund choice for high tax brackets: VTEB20:31 Can’t milk a Buckeye, but they might ward off arthritis22:52 Roth conversions: should you pay the tax now or wait?28:57 Indexed annuities: steak dinners, sales tricks, and the ugly truth34:16 Why the commissions are so high—and the returns so low37:55 Got cash on the sidelines? Here's what to do before investing39:27 Final advice: plan first, invest later, ignore the noise
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]]>
0:11 Consumers drive the economy—and investment returns0:47 Sentiment is slipping fast, and it could trigger a slowdown2:05 “Recession” and “depression” searches spike amid uncertainty3:11 Tariffs shift what we buy: food in, luxury out4:24 What investors should do now: boost emergency savings7:22 Auto stockpiling and tariff-fueled panic buying8:50 Prices rising, brand loyalty falling, and psychology shifting10:27 Volatility confuses perception—despite flat portfolio returns12:16 Emergency funds are real insurance without the gimmicks14:14 Spry 102-year-olds and the power of Bulgarian yogurt17:47 Best muni bond fund choice for high tax brackets: VTEB20:31 Can’t milk a Buckeye, but they might ward off arthritis22:52 Roth conversions: should you pay the tax now or wait?28:57 Indexed annuities: steak dinners, sales tricks, and the ugly truth34:16 Why the commissions are so high—and the returns so low37:55 Got cash on the sidelines? Here's what to do before investing39:27 Final advice: plan first, invest later, ignore the noise
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]]> Don McDonald b2231f44-2eb4-11f1-b6ec-271fe1bd8e15 Wed, 30 Apr 2025 14:46:00 -0400 2513 false Your Brain’s Investing Mistakes Your Brain’s Investing Mistakes

0:04 Don and Tom settle into the show—studio quirks, mic levels, and inviting questions

0:52 How memory bias—from the Great Depression to dot-com boom—influences investment behavior

2:07 Family stories from the Depression era and why stock picking games teach the wrong lesson

2:54 Why investors wrongly believe growth stocks always beat value—thanks to recent performance

5:20 Myths about market trends: U.S. dominance, buy-the-dip thinking, and time horizon confusion

7:46 Gold mania: Recent price surge vs. long-term returns—spoiler, stocks win

9:58 Long-term perspective: $10k in 1980—Gold vs. Treasuries vs. Global portfolio

10:28 Listener: Where to park house construction funds short-term—ETFs vs. money markets

13:30 Why those new ultra-short ETFs may be a trap

15:17 Listener: Should I buy callable bonds with 6% yields? And what’s with PIMCO’s “14%”?

17:36 Risks of leveraged bond funds like PDI—why they don’t belong in a stable portfolio

19:46 Listener: How often should I rebalance in a 401(k)?

23:12 Listener in Albuquerque: Should I go all-in on the C Fund for simplicity?

25:39 Roth vs. TSP—what matters more: today’s tax rate or the future’s unknowns?

27:33 Future goals: quarterly travel in retirement and pizza roof update

28:22 Investing in “brands” like Fyre Festival—don’t

32:30 $63 offer for the Fyre trademark, and a plug for free fiduciary advice



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0:04 Don and Tom settle into the show—studio quirks, mic levels, and inviting questions

0:52 How memory bias—from the Great Depression to dot-com boom—influences investment behavior

2:07 Family stories from the Depression era and why stock picking games teach the wrong lesson

2:54 Why investors wrongly believe growth stocks always beat value—thanks to recent performance

5:20 Myths about market trends: U.S. dominance, buy-the-dip thinking, and time horizon confusion

7:46 Gold mania: Recent price surge vs. long-term returns—spoiler, stocks win

9:58 Long-term perspective: $10k in 1980—Gold vs. Treasuries vs. Global portfolio

10:28 Listener: Where to park house construction funds short-term—ETFs vs. money markets

13:30 Why those new ultra-short ETFs may be a trap

15:17 Listener: Should I buy callable bonds with 6% yields? And what’s with PIMCO’s “14%”?

17:36 Risks of leveraged bond funds like PDI—why they don’t belong in a stable portfolio

19:46 Listener: How often should I rebalance in a 401(k)?

23:12 Listener in Albuquerque: Should I go all-in on the C Fund for simplicity?

25:39 Roth vs. TSP—what matters more: today’s tax rate or the future’s unknowns?

27:33 Future goals: quarterly travel in retirement and pizza roof update

28:22 Investing in “brands” like Fyre Festival—don’t

32:30 $63 offer for the Fyre trademark, and a plug for free fiduciary advice



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]]> Don McDonald 7b9515c2-2eb4-11f1-b6ec-7f0433e22a18 Tue, 29 Apr 2025 15:57:00 -0400 2065 false Leverage: Fast Fortune or Failure Leverage: Fast Fortune or Failure

0:04 How leverage props up real estate and investing myths

1:32 The dark side: Leveraged funds and massive losses

2:49 Triple leverage dangers: 90% losses vs. 266% gains

5:38 Long-term performance: both leveraged bulls and bears lose

7:52 Even treasuries show wild volatility with leverage

9:57 Why leveraged funds are pure speculation, not investing

11:44 Risk explained through standard deviation comparisons

14:16 Listener question: Direct indexing vs. S&P 500 returns

17:44 Listener question: Roth 401k rollover to Roth IRA tips




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0:04 How leverage props up real estate and investing myths

1:32 The dark side: Leveraged funds and massive losses

2:49 Triple leverage dangers: 90% losses vs. 266% gains

5:38 Long-term performance: both leveraged bulls and bears lose

7:52 Even treasuries show wild volatility with leverage

9:57 Why leveraged funds are pure speculation, not investing

11:44 Risk explained through standard deviation comparisons

14:16 Listener question: Direct indexing vs. S&P 500 returns

17:44 Listener question: Roth 401k rollover to Roth IRA tips




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]]> Don McDonald 602f6b5c-2eb4-11f1-b6ec-cb7b3747d8ee Mon, 28 Apr 2025 15:55:00 -0400 1278 false More Raised Hands More Raised Hands

0:04 Opening reflection on aging, money, and why this show matters


1:17 Reminder to send questions via TalkingRealMoney.com or call live on Saturdays


2:38 Listener shares regret over a bad annuity recommendation from a familiar advisor


4:02 Don’s early days as a top-tier salesman turned financial “advisor”


5:21 Why most advisors aren’t fiduciaries—and why it matters


6:29 MarketWatch study reveals only ~1% of advisors are true fiduciaries


7:58 Never trust financial advice based on friendship or affinity


8:49 Next caller: How are bond index funds weighted?


9:15 Explanation: Bond indexes are also market value weighted


10:37 Why bond ETFs are mostly U.S. Treasury securities


11:34 Should a retired federal employee with FEHB skip Medicare Part B?


13:12 Don’s personal Medicare math and “if it ain’t broke…” approach


13:41 New CFP asks: What should I look for in a firm’s ADV as a job seeker?


15:02 Red flags: Conflicts of interest, broker registrations, insurance licenses


17:18 Align your investment beliefs with the firm’s philosophy


17:31 Last question: How is a taxable brokerage account taxed?


18:42 Explanation of interest, dividends, and potential capital gains


20:31 Don reiterates that real help—not a sales pitch—is always the goal


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0:04 Opening reflection on aging, money, and why this show matters


1:17 Reminder to send questions via TalkingRealMoney.com or call live on Saturdays


2:38 Listener shares regret over a bad annuity recommendation from a familiar advisor


4:02 Don’s early days as a top-tier salesman turned financial “advisor”


5:21 Why most advisors aren’t fiduciaries—and why it matters


6:29 MarketWatch study reveals only ~1% of advisors are true fiduciaries


7:58 Never trust financial advice based on friendship or affinity


8:49 Next caller: How are bond index funds weighted?


9:15 Explanation: Bond indexes are also market value weighted


10:37 Why bond ETFs are mostly U.S. Treasury securities


11:34 Should a retired federal employee with FEHB skip Medicare Part B?


13:12 Don’s personal Medicare math and “if it ain’t broke…” approach


13:41 New CFP asks: What should I look for in a firm’s ADV as a job seeker?


15:02 Red flags: Conflicts of interest, broker registrations, insurance licenses


17:18 Align your investment beliefs with the firm’s philosophy


17:31 Last question: How is a taxable brokerage account taxed?


18:42 Explanation of interest, dividends, and potential capital gains


20:31 Don reiterates that real help—not a sales pitch—is always the goal


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]]> Don McDonald 81e67ac4-2eb4-11f1-b6ec-cf9c4e7b0d0a Fri, 25 Apr 2025 13:12:00 -0400 1363 false Gold Doesn't Work–Your Money Should Gold Doesn't Work–Your Money Should

0:04 Gilded White House jokes lead into a serious look at gold


1:00 Don and Tom reunite—same page, same side, same skepticism on gold


1:57 Yahoo Finance: gold’s biggest quarter since 1986


2:34 Gold’s ancient history and the Second Boer War detour


3:48 What’s a hedge, really? Gold vs. inflation


4:21 15-year performance: gold vs. S&P 500


5:40 1980 to 2024: gold’s long climb back to break even


7:10 110 years of gold prices—brief spikes, long plateaus


8:54 The emotional allure of physical gold (and why it’s irrational)


9:44 Physical gold: storage, insurance, and Armageddon prep


11:10 GLD: a better, but still limited, gold investment


12:49 Gold’s chart pattern: flat, spike, crash, repeat


13:26 Why gold isn’t a real investment—it doesn’t grow


14:16 Gold mining stocks as an indirect investment


15:02 Surprise! Taiwan Semi uses gold in chip production


15:34 Crypto vs. gold: at least gold is pretty


16:07 Atomic number nerdiness and family science failures


16:39 Q&A: Will one-year income spike raise Part B premiums?


18:06 IRMAA form and exceptions for life-changing events


20:02 Medicare Part B premium ranges and adjustments


21:10 Listener Perry wonders: if pennies go away, can we melt them?


22:34 Today's pennies: mostly zinc, not a copper mine in your jar


23:56 Will the penny ever die? Bureaucratic inertia says no


24:14 DIY penny production? Just don’t.


25:16 Podcast etymology: Apple vs. The Guardian debate


26:51 Outro chaos: crows, jokes, and how to ask your questions


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0:04 Gilded White House jokes lead into a serious look at gold


1:00 Don and Tom reunite—same page, same side, same skepticism on gold


1:57 Yahoo Finance: gold’s biggest quarter since 1986


2:34 Gold’s ancient history and the Second Boer War detour


3:48 What’s a hedge, really? Gold vs. inflation


4:21 15-year performance: gold vs. S&P 500


5:40 1980 to 2024: gold’s long climb back to break even


7:10 110 years of gold prices—brief spikes, long plateaus


8:54 The emotional allure of physical gold (and why it’s irrational)


9:44 Physical gold: storage, insurance, and Armageddon prep


11:10 GLD: a better, but still limited, gold investment


12:49 Gold’s chart pattern: flat, spike, crash, repeat


13:26 Why gold isn’t a real investment—it doesn’t grow


14:16 Gold mining stocks as an indirect investment


15:02 Surprise! Taiwan Semi uses gold in chip production


15:34 Crypto vs. gold: at least gold is pretty


16:07 Atomic number nerdiness and family science failures


16:39 Q&A: Will one-year income spike raise Part B premiums?


18:06 IRMAA form and exceptions for life-changing events


20:02 Medicare Part B premium ranges and adjustments


21:10 Listener Perry wonders: if pennies go away, can we melt them?


22:34 Today's pennies: mostly zinc, not a copper mine in your jar


23:56 Will the penny ever die? Bureaucratic inertia says no


24:14 DIY penny production? Just don’t.


25:16 Podcast etymology: Apple vs. The Guardian debate


26:51 Outro chaos: crows, jokes, and how to ask your questions


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]]> Don McDonald 35ee1abe-2eb4-11f1-b6ec-27a117376975 Thu, 24 Apr 2025 14:16:00 -0400 1720 false The Best New Strategy is Old The Best New Strategy is Old

0:04 Money mistakes, solo hosting, and listener calls


1:17 Market volatility and emotional reactions


2:07 Logic and evidence beat financial “magic”


3:11 Vanguard’s alt fund and private asset hype


4:28 Private equity: opaque pricing, no liquidity


6:16 High-cost alternatives underdeliver


7:41 Vanguard alt fund: high fees, weak returns


9:13 Caller: staying long-term with S&P 500


10:20 Don: diversify beyond S&P with VT


11:30 Sharpe ratio explained; structured product skepticism


13:08 Structured notes: high fees, poor transparency


15:00 Fama quote: Few new ideas ever work


16:03 Caller: What does Berkshire Hathaway actually do?


17:23 Buffett builds value—why you can’t replicate it


20:08 You already own Berkshire in index funds


21:37 Caller: does currency manipulation matter?


23:32 Short answer: not really


25:45 Ignore most financial news—it’s just noise


27:22 Don flying solo this week


27:57 Caller: how to find a real fiduciary


31:16 Why Don doesn’t do meetings, and where to get help


36:12 Caller: reverse mortgages and property financing


39:55 Trusts and protecting assets—call a lawyer


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0:04 Money mistakes, solo hosting, and listener calls


1:17 Market volatility and emotional reactions


2:07 Logic and evidence beat financial “magic”


3:11 Vanguard’s alt fund and private asset hype


4:28 Private equity: opaque pricing, no liquidity


6:16 High-cost alternatives underdeliver


7:41 Vanguard alt fund: high fees, weak returns


9:13 Caller: staying long-term with S&P 500


10:20 Don: diversify beyond S&P with VT


11:30 Sharpe ratio explained; structured product skepticism


13:08 Structured notes: high fees, poor transparency


15:00 Fama quote: Few new ideas ever work


16:03 Caller: What does Berkshire Hathaway actually do?


17:23 Buffett builds value—why you can’t replicate it


20:08 You already own Berkshire in index funds


21:37 Caller: does currency manipulation matter?


23:32 Short answer: not really


25:45 Ignore most financial news—it’s just noise


27:22 Don flying solo this week


27:57 Caller: how to find a real fiduciary


31:16 Why Don doesn’t do meetings, and where to get help


36:12 Caller: reverse mortgages and property financing


39:55 Trusts and protecting assets—call a lawyer


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]]> Don McDonald 96f66794-2eb4-11f1-b6ec-efe26b5c6d37 Wed, 23 Apr 2025 13:33:00 -0400 2512 false Less Risk Can Cost More Less Risk Can Cost More

0:04 Friendly welcome and a call for co-hosting help as Don flies solo


1:16 Call-in number shared, and Don apologizes for occasionally sounding political


3:01 Markets are volatile—skip the politics, let’s talk practical moves


3:59 Media fear-mongering and the pitch for “alternatives”


5:13 Barron's & WSJ pitch fancy stuff—Don calls it gimmickry


7:15 Long-term market history shows why patience wins


8:54 The Campbell Systematic Macro Fund vs Vanguard Balanced Index


11:20 Comparing performance, risk, and costs—spoiler: Vanguard wins


12:45 Complexity benefits salespeople, not investors


13:33 Jim from Tacoma asks about “buffered ETFs”


14:02 Don explains buffered ETFs, costs, and gimmick risk


16:23 The danger of complex products with little upside


17:41 Expense ratios and risk in buffered funds vs Vanguard again


19:34 Greg from Florida gets pitched “Schwab Personalized Indexing” over grouper


22:15 Direct indexing: useful, but only for big portfolios


23:20 Planning is more powerful than piecemeal strategies


25:58 High costs, tax strategies, and why a real plan matters


28:00 Laura in Olympia asks about selling her home to retire


29:24 Market timing fears and the power of diversification


30:59 Passive income myth and the burden of managing property


31:56 Adjusting risk with age and leaning on fiduciary advice


33:14 Real estate market is strong—Don gives Laura confidence


34:34 Jason from Sammamish—the “Tesla Bull”—asks about premium farming


36:01 Writing covered calls to buy into VONG—Don offers cautious perspective


37:51 Don’s stockbroker days and every strategy eventually failing


39:09 Covered calls as fun, not a serious strategy—Don doesn’t want copycats


39:52 Don signs off with a reminder: invest simply, plan wisely, and stop guessing


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0:04 Friendly welcome and a call for co-hosting help as Don flies solo


1:16 Call-in number shared, and Don apologizes for occasionally sounding political


3:01 Markets are volatile—skip the politics, let’s talk practical moves


3:59 Media fear-mongering and the pitch for “alternatives”


5:13 Barron's & WSJ pitch fancy stuff—Don calls it gimmickry


7:15 Long-term market history shows why patience wins


8:54 The Campbell Systematic Macro Fund vs Vanguard Balanced Index


11:20 Comparing performance, risk, and costs—spoiler: Vanguard wins


12:45 Complexity benefits salespeople, not investors


13:33 Jim from Tacoma asks about “buffered ETFs”


14:02 Don explains buffered ETFs, costs, and gimmick risk


16:23 The danger of complex products with little upside


17:41 Expense ratios and risk in buffered funds vs Vanguard again


19:34 Greg from Florida gets pitched “Schwab Personalized Indexing” over grouper


22:15 Direct indexing: useful, but only for big portfolios


23:20 Planning is more powerful than piecemeal strategies


25:58 High costs, tax strategies, and why a real plan matters


28:00 Laura in Olympia asks about selling her home to retire


29:24 Market timing fears and the power of diversification


30:59 Passive income myth and the burden of managing property


31:56 Adjusting risk with age and leaning on fiduciary advice


33:14 Real estate market is strong—Don gives Laura confidence


34:34 Jason from Sammamish—the “Tesla Bull”—asks about premium farming


36:01 Writing covered calls to buy into VONG—Don offers cautious perspective


37:51 Don’s stockbroker days and every strategy eventually failing


39:09 Covered calls as fun, not a serious strategy—Don doesn’t want copycats


39:52 Don signs off with a reminder: invest simply, plan wisely, and stop guessing


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]]> Don McDonald 636c78dc-2eb4-11f1-b6ec-5fcd8c4ae561 Tue, 22 Apr 2025 15:05:00 -0400 2525 false Wall Street Wants You Scared Wall Street Wants You Scared

0:10 Surviving and thriving during recessions


0:26 Probability of recession discussions


1:04 Don criticizes recession scare tactics


1:46 Humorous digression about pickup trucks


2:49 Audience wants solutions, not problems


3:48 Avoiding common recession investing mistakes


4:39 Wall Street Journal example of market timing errors


5:29 Importance of emergency cash for retirees


6:04 Risk versus loss in investing


6:28 Understanding emotional risk tolerance


8:01 Critique of Wall Street's short-term focus


8:36 Long-term investing approach regardless of recession


9:01 Dalbar study reveals poor market-timing results


10:51 Long-term Dalbar investor returns vs. market returns


13:09 Humorous tangent on global population


13:44 Listener questions segment begins


14:33 Discussing asset allocation and bond fund concerns


16:18 Bond ladder vs. bond fund debate


17:20 Examining long-term bond fund returns


18:09 Benefits and drawbacks of bond funds


19:28 Comparing money market fund options (DTAXX)


21:06 Expense ratios significantly impact returns


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0:10 Surviving and thriving during recessions


0:26 Probability of recession discussions


1:04 Don criticizes recession scare tactics


1:46 Humorous digression about pickup trucks


2:49 Audience wants solutions, not problems


3:48 Avoiding common recession investing mistakes


4:39 Wall Street Journal example of market timing errors


5:29 Importance of emergency cash for retirees


6:04 Risk versus loss in investing


6:28 Understanding emotional risk tolerance


8:01 Critique of Wall Street's short-term focus


8:36 Long-term investing approach regardless of recession


9:01 Dalbar study reveals poor market-timing results


10:51 Long-term Dalbar investor returns vs. market returns


13:09 Humorous tangent on global population


13:44 Listener questions segment begins


14:33 Discussing asset allocation and bond fund concerns


16:18 Bond ladder vs. bond fund debate


17:20 Examining long-term bond fund returns


18:09 Benefits and drawbacks of bond funds


19:28 Comparing money market fund options (DTAXX)


21:06 Expense ratios significantly impact returns


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]]> Don McDonald a5e6ab6a-2eb4-11f1-b6ec-b39c42481e5d Mon, 21 Apr 2025 17:06:00 -0400 1520 false Your Proper Risk Your Proper Risk

0:04 Intro: Making money more understandable


1:09 Tom’s tech issues and growing role of the stock market


2:11 When you should sell stocks in retirement


3:31 Risk capacity vs risk tolerance explained


5:14 Funny promo: Financial Flinch Reflex (FFR)


6:32 Stock market participation then vs now


7:04 Caller: Gratitude for 'Tune Out the Noise' documentary


8:16 The real goal of the show: Tuning out the noise


10:45 Caller Paul on clothesline nostalgia and laundry talk


13:05 Documentary's backstory, David Booth’s art & Dimensional’s origins


14:30 Why market timing makes you crazy and poor


15:57 Caller Tom sees a Facebook Roth ad—what gives?


17:46 Breaking down legitimate Roth conversion strategies


19:31 Don’s rant on Facebook, Tom’s retreat to LinkedIn


20:39 Caller Roger: Can you convert RMDs into Roth? (Spoiler: no)


21:37 Clarifying RMDs vs Roth conversions—rules & misunderstandings


24:14 Direct 401(k) to Roth IRA conversion—confirmed


25:59 Q: Why add bonds if you're 20 years from retirement?


28:03 How real people react to 50% portfolio drops


29:16 The truth about emotional investing and loss tolerance


31:08 Why Robinhood’s "free money" comes at a cost


32:56 Custodians vs Gamifiers: Schwab, Fidelity, and the Robinhood trap


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0:04 Intro: Making money more understandable


1:09 Tom’s tech issues and growing role of the stock market


2:11 When you should sell stocks in retirement


3:31 Risk capacity vs risk tolerance explained


5:14 Funny promo: Financial Flinch Reflex (FFR)


6:32 Stock market participation then vs now


7:04 Caller: Gratitude for 'Tune Out the Noise' documentary


8:16 The real goal of the show: Tuning out the noise


10:45 Caller Paul on clothesline nostalgia and laundry talk


13:05 Documentary's backstory, David Booth’s art & Dimensional’s origins


14:30 Why market timing makes you crazy and poor


15:57 Caller Tom sees a Facebook Roth ad—what gives?


17:46 Breaking down legitimate Roth conversion strategies


19:31 Don’s rant on Facebook, Tom’s retreat to LinkedIn


20:39 Caller Roger: Can you convert RMDs into Roth? (Spoiler: no)


21:37 Clarifying RMDs vs Roth conversions—rules & misunderstandings


24:14 Direct 401(k) to Roth IRA conversion—confirmed


25:59 Q: Why add bonds if you're 20 years from retirement?


28:03 How real people react to 50% portfolio drops


29:16 The truth about emotional investing and loss tolerance


31:08 Why Robinhood’s "free money" comes at a cost


32:56 Custodians vs Gamifiers: Schwab, Fidelity, and the Robinhood trap


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]]> Don McDonald d0c8b9b8-2eb4-11f1-b6ec-d7d19b00f708 Wed, 16 Apr 2025 15:23:00 -0400 2507 false A Wild Ride A Wild Ride

0:01 Intro with the 'interesting times' curse and the current market confusion


0:48 S&P 500 drops 10.5% in two days, bounces back 9.5%—market whiplash


1:33 How volatility overloads the brain and leads to bad decisions


2:28 Few people understand tariffs—uncertainty drives market instability


3:24 The idea of the market as a fourth branch of government


3:38 Why owning stocks long-term still makes sense


5:03 Investor panic: emotional decisions vs. rational plans


6:27 Jason Zweig's four questions for investors—clarity through chaos


8:13 Why you own stocks: not trade stability, but long-term growth


9:08 What's changed? Trust, tariffs, and long-term resilience


10:27 You earn the premium by enduring market fear


10:31 The emotional trap of anchoring and chasing returns


11:44 The fantasy of upside-only investing—and the danger of chasing it


13:04 Caller Jeff: Should I dollar-cost into ETFs or sell and buy all at once?


14:27 Advice: In a retirement account, just make the shift—it’s lateral


16:04 Caller Bill: Accidental portfolio drift and how to rebalance to 50/50


19:05 Simple ETF plan vs. target-date funds for retiring investors


20:37 Caller Joe: Real estate success and why stocks aren’t for everyone


27:09 The overlooked danger of foreign countries selling U.S. debt


30:24 Bond prices, interest rates, and currency impacts explained


32:04 U.S. credit rating vs. the world—and why diversification still matters


33:28 Tariff risks, political uncertainty, and long-term investing perspective


35:25 If you’ve invested right, you don’t need to react


39:04 Tom’s "work trip" vacation and Don flying solo next week


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]]>

0:01 Intro with the 'interesting times' curse and the current market confusion


0:48 S&P 500 drops 10.5% in two days, bounces back 9.5%—market whiplash


1:33 How volatility overloads the brain and leads to bad decisions


2:28 Few people understand tariffs—uncertainty drives market instability


3:24 The idea of the market as a fourth branch of government


3:38 Why owning stocks long-term still makes sense


5:03 Investor panic: emotional decisions vs. rational plans


6:27 Jason Zweig's four questions for investors—clarity through chaos


8:13 Why you own stocks: not trade stability, but long-term growth


9:08 What's changed? Trust, tariffs, and long-term resilience


10:27 You earn the premium by enduring market fear


10:31 The emotional trap of anchoring and chasing returns


11:44 The fantasy of upside-only investing—and the danger of chasing it


13:04 Caller Jeff: Should I dollar-cost into ETFs or sell and buy all at once?


14:27 Advice: In a retirement account, just make the shift—it’s lateral


16:04 Caller Bill: Accidental portfolio drift and how to rebalance to 50/50


19:05 Simple ETF plan vs. target-date funds for retiring investors


20:37 Caller Joe: Real estate success and why stocks aren’t for everyone


27:09 The overlooked danger of foreign countries selling U.S. debt


30:24 Bond prices, interest rates, and currency impacts explained


32:04 U.S. credit rating vs. the world—and why diversification still matters


33:28 Tariff risks, political uncertainty, and long-term investing perspective


35:25 If you’ve invested right, you don’t need to react


39:04 Tom’s "work trip" vacation and Don flying solo next week


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]]> Don McDonald bd64800a-2eb4-11f1-b6ec-d3d072372b94 Tue, 15 Apr 2025 14:48:00 -0400 2489 false A Fool and His Money... A Fool and His Money...

0:04 Welcome and warning: this episode is full of tangents, tomfoolery, and truth


0:48 Netflix documentary detour: why are people (and investors) so dumb?


2:01 International investing: why people ignore it and why that’s… dumb


3:49 U.S. vs international returns in early 2025—surprise! It’s not all about the S&P


5:16 Market irony and the value of global diversification


6:09 A disappointing turn from The Motley Fool (and a very public grudge)


6:59 Enter the ELON ETF—double Tesla, short Ford, and down 64%


9:41 What happens when leverage meets marketing in the worst way


11:10 A $750K fund that made… $675 in fees. Yep.


11:57 Foolish investor behaviors: feelings ≠ foresight


13:37 The (simple) path to real investing: low-cost, tax-efficient, diversified portfolios


14:28 Punchline investing: don’t be a dunce—be global, be patient


15:52 Listener Q: Is my mix of S&P 500, TDFs, and Roth diversification enough?


17:26 Portfolio allocation advice: stock/bond mix first, account strategy second


19:28 Suggestion: get a professional plan before retirement


20:00 Buffered ETFs: what they are, why they’re pricey, and why they disappoint


23:22 Returns reality check: buffered funds vs plain S&P 500


24:47 The big lie of hedged products—"all the upside, none of the risk"


25:19 Wrapping up with more Q&A, grandkids, and international call jokes


29:33 Tom’s latest investment: soccer team ownership (yes, really)


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]]>

0:04 Welcome and warning: this episode is full of tangents, tomfoolery, and truth


0:48 Netflix documentary detour: why are people (and investors) so dumb?


2:01 International investing: why people ignore it and why that’s… dumb


3:49 U.S. vs international returns in early 2025—surprise! It’s not all about the S&P


5:16 Market irony and the value of global diversification


6:09 A disappointing turn from The Motley Fool (and a very public grudge)


6:59 Enter the ELON ETF—double Tesla, short Ford, and down 64%


9:41 What happens when leverage meets marketing in the worst way


11:10 A $750K fund that made… $675 in fees. Yep.


11:57 Foolish investor behaviors: feelings ≠ foresight


13:37 The (simple) path to real investing: low-cost, tax-efficient, diversified portfolios


14:28 Punchline investing: don’t be a dunce—be global, be patient


15:52 Listener Q: Is my mix of S&P 500, TDFs, and Roth diversification enough?


17:26 Portfolio allocation advice: stock/bond mix first, account strategy second


19:28 Suggestion: get a professional plan before retirement


20:00 Buffered ETFs: what they are, why they’re pricey, and why they disappoint


23:22 Returns reality check: buffered funds vs plain S&P 500


24:47 The big lie of hedged products—"all the upside, none of the risk"


25:19 Wrapping up with more Q&A, grandkids, and international call jokes


29:33 Tom’s latest investment: soccer team ownership (yes, really)


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]]> Don McDonald 948b8642-2eb4-11f1-b6ec-477357c3a0d4 Mon, 14 Apr 2025 16:06:00 -0400 1906 false Q'in' and A'in' Q'in' and A'in'

1:36 First caller: Accumulation phase advice—Fidelity vs. AVGE vs. Vanguard


3:15 Follow-up: Retirement accounts, target date funds, and cleaning up a messy portfolio


5:06 Safe Harbor 401k rules explained


5:53 Deep dive into 401k fund options—why some funds may not be ideal


7:43 Old TSP account—combine or leave it?


9:34 Caller: How to start adding bonds after years of 100% stocks


10:43 Two strategies for shifting into bonds slowly and smartly


11:42 Listener from Texas asks: How is average return actually calculated?


12:44 Why averages are simple math, not magic


14:13 Caller: TSP investor wants to grow $114k to $500k in 10 years—what it’ll take


15:55 Fidelity Roth IRA options: AVGE vs. DFAW vs. VT + AVUV tilt


17:40 Pros and cons of each fund setup—risk, fees, and portfolio simplicity


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]]>

1:36 First caller: Accumulation phase advice—Fidelity vs. AVGE vs. Vanguard


3:15 Follow-up: Retirement accounts, target date funds, and cleaning up a messy portfolio


5:06 Safe Harbor 401k rules explained


5:53 Deep dive into 401k fund options—why some funds may not be ideal


7:43 Old TSP account—combine or leave it?


9:34 Caller: How to start adding bonds after years of 100% stocks


10:43 Two strategies for shifting into bonds slowly and smartly


11:42 Listener from Texas asks: How is average return actually calculated?


12:44 Why averages are simple math, not magic


14:13 Caller: TSP investor wants to grow $114k to $500k in 10 years—what it’ll take


15:55 Fidelity Roth IRA options: AVGE vs. DFAW vs. VT + AVUV tilt


17:40 Pros and cons of each fund setup—risk, fees, and portfolio simplicity


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]]> Don McDonald 7ab2151a-2eb4-11f1-b6ec-6b2b1e1f7c32 Fri, 11 Apr 2025 15:42:00 -0400 1291 false Talking Real Rules Talking Real Rules

0:04 Intro: Humans love rules—including rules of thumb


1:30 Should we ditch retirement rules altogether? Or are they helpful shortcuts?


3:23 Rule #1: The 4% withdrawal rule—what it gets right (and what it doesn’t)


5:08 Rule #2: The 80% income replacement rule—Tom hates it, and here’s why


7:49 Rule #3: Defer taxes with traditional IRAs—good idea or future tax trap?


10:02 Roth vs. traditional contributions—what young workers should do


10:39 Rule #4: The Rule of 110 for stock allocation—Don calls it dumb


12:32 Risk tolerance and personal flexibility matter more than age-based math


14:13 Rule #5: Wait till 70 for Social Security—Don admits he might not


16:38 Don's real-life dilemma: Take Social Security now or wait?


19:23 Rule #6: Downsizing your house in retirement—easier said than done


22:08 Final thoughts: Plans > rules of thumb, especially after age 50


23:07 Q&A: Why don’t you like Fidelity’s zero-fee funds? (Short answer: they’re not fully diversified)


26:50 Are they bad? No. Would we recommend them? Also no.


27:25 Q&A: Retirees with $4M+—how to rebalance IRAs, Roths, and taxable efficiently


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]]>

0:04 Intro: Humans love rules—including rules of thumb


1:30 Should we ditch retirement rules altogether? Or are they helpful shortcuts?


3:23 Rule #1: The 4% withdrawal rule—what it gets right (and what it doesn’t)


5:08 Rule #2: The 80% income replacement rule—Tom hates it, and here’s why


7:49 Rule #3: Defer taxes with traditional IRAs—good idea or future tax trap?


10:02 Roth vs. traditional contributions—what young workers should do


10:39 Rule #4: The Rule of 110 for stock allocation—Don calls it dumb


12:32 Risk tolerance and personal flexibility matter more than age-based math


14:13 Rule #5: Wait till 70 for Social Security—Don admits he might not


16:38 Don's real-life dilemma: Take Social Security now or wait?


19:23 Rule #6: Downsizing your house in retirement—easier said than done


22:08 Final thoughts: Plans > rules of thumb, especially after age 50


23:07 Q&A: Why don’t you like Fidelity’s zero-fee funds? (Short answer: they’re not fully diversified)


26:50 Are they bad? No. Would we recommend them? Also no.


27:25 Q&A: Retirees with $4M+—how to rebalance IRAs, Roths, and taxable efficiently


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]]> Don McDonald bcaeb57c-2eb4-11f1-b6ec-6b46891aae6f Fri, 11 Apr 2025 15:27:00 -0400 2016 false Tariffs Feed Inflation Tariffs Feed Inflation

0:04 Opening banter and why this has been “a heck of a money week”


1:01 What exactly is a tariff? And why you’re paying more than you think


4:29 The real cost breakdown of an iPhone—and what tariffs could do to it


6:58 How rising costs could slow down upgrades and hit the tech economy


8:11 Why economists (even at WSJ) are mostly anti-tariff


9:27 Listener question: Did Andrew make a mistake buying a fixed-income annuity?


14:47 The ethics of $45,000 commissions and what you give up with annuities


21:12 What if Andrew had just invested the money instead?


25:48 Listener challenge: Are bonds really worth it if returns lag inflation?


30:23 The real reason to own bonds—and it’s not about return


32:57 SQQQ gamble pays off—should Devin take the money and run?


34:35 Wrapping the week with a reminder: it’s not about guessing, it’s about planning


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]]>

0:04 Opening banter and why this has been “a heck of a money week”


1:01 What exactly is a tariff? And why you’re paying more than you think


4:29 The real cost breakdown of an iPhone—and what tariffs could do to it


6:58 How rising costs could slow down upgrades and hit the tech economy


8:11 Why economists (even at WSJ) are mostly anti-tariff


9:27 Listener question: Did Andrew make a mistake buying a fixed-income annuity?


14:47 The ethics of $45,000 commissions and what you give up with annuities


21:12 What if Andrew had just invested the money instead?


25:48 Listener challenge: Are bonds really worth it if returns lag inflation?


30:23 The real reason to own bonds—and it’s not about return


32:57 SQQQ gamble pays off—should Devin take the money and run?


34:35 Wrapping the week with a reminder: it’s not about guessing, it’s about planning


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]]> Don McDonald 87dd1776-2eb4-11f1-b6ec-93ada8facd5f Wed, 09 Apr 2025 16:36:00 -0400 2395 false Ups and Downs Ups and Downs

0:04 “D-word” banter and market correction intro


1:24 The $5 trillion “missing” from markets—why it’s not doomsday


2:10 Tariffs, uncertainty, and what markets hate most


3:29 Year-to-date performance: S&P 500, total U.S., and global portfolios


4:56 Diversification works—global value stocks still positive


5:14 Media panic vs. reality—why not watching CNBC is a good move


6:11 Real portfolio check-in: diversified and down just 5%


7:36 What to do when the market drops—don’t panic


8:00 “It’s different this time”—but not really


9:35 Risk check: how much are you really taking?


10:43 Concentration risk: why individual stocks and tech are volatile


11:50 Tesla and Apple tank—example of why you diversify


13:45 Expert noise: Bill Gross vs. Ed Yardeni—ignore both


15:54 Market predictions: why you should tune out “legendary” investors


16:31 Jason Zweig’s pyramid of regret—make small, smart moves


18:28 Tariffs aren’t good, but they’re also not the end


20:19 Listener Patty asks: When should I rebalance? (5–10% rule explained)


25:31 Listener Karen asks: Which account should I draw from in retirement?


33:07 Listener Dan asks: Should I still sell stocks and buy ETFs? (Yes.)


35:21 Listener Frank asks: Is it time to stop trading with Edward Jones? (Absolutely.)


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]]>

0:04 “D-word” banter and market correction intro


1:24 The $5 trillion “missing” from markets—why it’s not doomsday


2:10 Tariffs, uncertainty, and what markets hate most


3:29 Year-to-date performance: S&P 500, total U.S., and global portfolios


4:56 Diversification works—global value stocks still positive


5:14 Media panic vs. reality—why not watching CNBC is a good move


6:11 Real portfolio check-in: diversified and down just 5%


7:36 What to do when the market drops—don’t panic


8:00 “It’s different this time”—but not really


9:35 Risk check: how much are you really taking?


10:43 Concentration risk: why individual stocks and tech are volatile


11:50 Tesla and Apple tank—example of why you diversify


13:45 Expert noise: Bill Gross vs. Ed Yardeni—ignore both


15:54 Market predictions: why you should tune out “legendary” investors


16:31 Jason Zweig’s pyramid of regret—make small, smart moves


18:28 Tariffs aren’t good, but they’re also not the end


20:19 Listener Patty asks: When should I rebalance? (5–10% rule explained)


25:31 Listener Karen asks: Which account should I draw from in retirement?


33:07 Listener Dan asks: Should I still sell stocks and buy ETFs? (Yes.)


35:21 Listener Frank asks: Is it time to stop trading with Edward Jones? (Absolutely.)


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]]> Don McDonald 81a534ec-2eb4-11f1-b6ec-970166732b04 Tue, 08 Apr 2025 16:52:00 -0400 2384 false Inviolate Investments Inviolate Investments

0:04 Retirement talk kicks off with 401(k) praise—and a warning


2:08 Hardship withdrawals hit record levels; 5% of participants tapped accounts


3:50 Emergency fund should come before heavy 401(k) contributions


5:25 Auto-enrollment rises, but so does temptation to pull money


6:06 Weigh a 401(k) loan before a withdrawal—less damage long-term


7:47 IRS penalty exceptions outlined—some hardship cases qualify


9:35 Adulting tip: build that emergency fund, even if it’s hard


10:57 Better to borrow elsewhere (even a credit card!) than touch your 401(k)


12:59 SEP IRAs great for self-employed—but require discipline to fund


14:17 Listener asks why they don’t mention NAPFA more—they do!


17:25 Listener portfolio review: lots of income ETFs, lots of risk


20:33 Many holdings have high expense ratios, junk bonds, or complex strategies


22:33 Bottom line: get a professional review—and simplify the portfolio


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]]>

0:04 Retirement talk kicks off with 401(k) praise—and a warning


2:08 Hardship withdrawals hit record levels; 5% of participants tapped accounts


3:50 Emergency fund should come before heavy 401(k) contributions


5:25 Auto-enrollment rises, but so does temptation to pull money


6:06 Weigh a 401(k) loan before a withdrawal—less damage long-term


7:47 IRS penalty exceptions outlined—some hardship cases qualify


9:35 Adulting tip: build that emergency fund, even if it’s hard


10:57 Better to borrow elsewhere (even a credit card!) than touch your 401(k)


12:59 SEP IRAs great for self-employed—but require discipline to fund


14:17 Listener asks why they don’t mention NAPFA more—they do!


17:25 Listener portfolio review: lots of income ETFs, lots of risk


20:33 Many holdings have high expense ratios, junk bonds, or complex strategies


22:33 Bottom line: get a professional review—and simplify the portfolio


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]]> Don McDonald bb0f88d6-2eb4-11f1-b6ec-5fc01f12aab9 Mon, 07 Apr 2025 15:05:00 -0400 1648 false Capital Queries Capital Queries

0:24 It's Q&A Day—Don wants more spoken questions


2:37 No love for crypto—even with a “strategic reserve”


4:43 Crypto isn’t investing, it’s gambling


5:30 REITs okay in a fund, but never buy individual REITs


8:10 VUSXX is a great place for emergency savings


10:15 Yes, you can do a 2024 Roth and 2025 IRA in same year


11:54 Watch out for pro-rata tax rules when backdooring Roths


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]]>

0:24 It's Q&A Day—Don wants more spoken questions


2:37 No love for crypto—even with a “strategic reserve”


4:43 Crypto isn’t investing, it’s gambling


5:30 REITs okay in a fund, but never buy individual REITs


8:10 VUSXX is a great place for emergency savings


10:15 Yes, you can do a 2024 Roth and 2025 IRA in same year


11:54 Watch out for pro-rata tax rules when backdooring Roths


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]]> Don McDonald 8108f5b4-2eb4-11f1-b6ec-eb27a306a033 Fri, 04 Apr 2025 15:02:00 -0400 999 false Wait Long Enough? Wait Long Enough?

0:24 David Booth says stocks average 10% long-term


1:20 McQuarrie: no guarantee of gains, even over 20 years


2:27 Long-term losses happened—inflation-adjusted


3:16 Diversification helps but doesn’t solve everything


4:08 Most individual stocks lose money—own them all


6:04 Stocks reward, but not guaranteed


11:43 Investing = optimism about the future


13:02 Market timing fails—psychics underperform


15:25 Private credit fund OCIC = high risk, low transparency


18:06 OCIC fees are sky-high—10%+ annually


19:42 Annuities explained—loss of control, high costs


21:53 Annuities ≠ bank CDs—know the difference


24:52 OCIC loaded with fees, risky loans


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]]>

0:24 David Booth says stocks average 10% long-term


1:20 McQuarrie: no guarantee of gains, even over 20 years


2:27 Long-term losses happened—inflation-adjusted


3:16 Diversification helps but doesn’t solve everything


4:08 Most individual stocks lose money—own them all


6:04 Stocks reward, but not guaranteed


11:43 Investing = optimism about the future


13:02 Market timing fails—psychics underperform


15:25 Private credit fund OCIC = high risk, low transparency


18:06 OCIC fees are sky-high—10%+ annually


19:42 Annuities explained—loss of control, high costs


21:53 Annuities ≠ bank CDs—know the difference


24:52 OCIC loaded with fees, risky loans


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]]> Don McDonald 7bad14b0-2eb4-11f1-b6ec-b35ef2ab4923 Thu, 03 Apr 2025 16:29:00 -0400 1836 false The Rich Half The Rich Half

1:24 Wealth distribution and how Americans build wealth


2:19 Discussed alarming wealth inequality statistics


3:27 Key to wealth-building: working, saving, and investing


5:20 Listener call questioning high-dividend stocks


6:46 Risks explained about investing in high-dividend companies


9:31 Clarified misconceptions about dividends and cash flow


11:10 Historical examples of high-dividend stock failures


14:21 Listener call regarding variable annuity transfer


16:21 Benefits of transferring from high-fee annuities


18:20 Humorous mix-up about hosts' identities


21:43 Clarification on inherited IRAs and Roth conversions


24:34 Discussed tax deductions for home improvements


25:30 Listener concerns over annuity safety and risk explained


30:07 Caller advised on diversifying using Vanguard ETFs


31:45 Listener call clarifying Roth IRA contributions and eligibility


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]]>

1:24 Wealth distribution and how Americans build wealth


2:19 Discussed alarming wealth inequality statistics


3:27 Key to wealth-building: working, saving, and investing


5:20 Listener call questioning high-dividend stocks


6:46 Risks explained about investing in high-dividend companies


9:31 Clarified misconceptions about dividends and cash flow


11:10 Historical examples of high-dividend stock failures


14:21 Listener call regarding variable annuity transfer


16:21 Benefits of transferring from high-fee annuities


18:20 Humorous mix-up about hosts' identities


21:43 Clarification on inherited IRAs and Roth conversions


24:34 Discussed tax deductions for home improvements


25:30 Listener concerns over annuity safety and risk explained


30:07 Caller advised on diversifying using Vanguard ETFs


31:45 Listener call clarifying Roth IRA contributions and eligibility


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]]> Don McDonald 5d48baa6-2eb4-11f1-b6ec-3f7d8a441fc3 Wed, 02 Apr 2025 16:33:00 -0400 2350 false Hedge Secrets? Hedge Secrets?

1:58 Dimensional Funds documentary discussion


2:38 Hedge fund manager Ray Dalio’s predictions and strategy


3:58 Dalio emphasizes asset diversification


5:48 Comparing podcast viewership and popularity


8:05 Critique of leveraged ETFs and annuities


11:10 Preparation beats market timing


14:57 Bond ladders vs. bond funds explained


19:06 Bond market volatility in downturns


21:45 Listener question on tax-efficient bond investing


26:58 Dangers of market timing highlighted


31:18 Clarifying listener confusion about RMDs


35:27 Advice on state-specific tax consultation


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]]>

1:58 Dimensional Funds documentary discussion


2:38 Hedge fund manager Ray Dalio’s predictions and strategy


3:58 Dalio emphasizes asset diversification


5:48 Comparing podcast viewership and popularity


8:05 Critique of leveraged ETFs and annuities


11:10 Preparation beats market timing


14:57 Bond ladders vs. bond funds explained


19:06 Bond market volatility in downturns


21:45 Listener question on tax-efficient bond investing


26:58 Dangers of market timing highlighted


31:18 Clarifying listener confusion about RMDs


35:27 Advice on state-specific tax consultation


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]]> Don McDonald 361a41d4-2eb4-11f1-b6ec-6f510d48b537 Tue, 01 Apr 2025 16:10:00 -0400 2380 false Don't Cry for Me Don't Cry for Me

1:40 Argentina's 100-Year Bond


2:19 Comparing Bonds: Argentina vs. Austria


3:46 The Risks of Long-Term Bonds


5:05 Lessons from Argentina's Bond


7:16 Rethinking Fixed Income Strategy


9:12 Future Predictions on Bonds


11:11 Listener Questions Begin


12:10 Understanding RMDs for 403Bs


14:54 The Debate Over Financial Advisors


15:59 Comparing Investment Strategies


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1:40 Argentina's 100-Year Bond


2:19 Comparing Bonds: Argentina vs. Austria


3:46 The Risks of Long-Term Bonds


5:05 Lessons from Argentina's Bond


7:16 Rethinking Fixed Income Strategy


9:12 Future Predictions on Bonds


11:11 Listener Questions Begin


12:10 Understanding RMDs for 403Bs


14:54 The Debate Over Financial Advisors


15:59 Comparing Investment Strategies


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]]> Don McDonald b03f22a4-2eb4-11f1-b6ec-0351eec75373 Mon, 31 Mar 2025 17:13:00 -0400 1654 false You're Asking Away You're Asking Away

1:23 Understanding Bid-Ask Spreads


6:25 Short-Term Investment Strategies


9:59 Choosing the Right Money Market Fund


13:37 Political Discussions on Social Security


17:10 Managing Retirement Withdrawals


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1:23 Understanding Bid-Ask Spreads


6:25 Short-Term Investment Strategies


9:59 Choosing the Right Money Market Fund


13:37 Political Discussions on Social Security


17:10 Managing Retirement Withdrawals


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]]> Don McDonald 86c498a0-2eb4-11f1-b6ec-27f118d1b709 Fri, 28 Mar 2025 16:52:00 -0400 1458 false Quiet Investing Science Quiet Investing Science

2:34 Tune Out the Noise Documentary


4:23 Dimensional's Unique Investment Philosophy


7:31 Adding Value Over Indexing


8:20 Early Challenges and Data Evidence


11:25 The Role of Nobel Laureates


15:24 Active vs. Passive Investing


19:04 The Future of Active Management


23:32 Evolution of the Mutual Fund Industry


26:02 Technology's Impact on Investing


28:28 Behavioral Aspects of Investing


30:47 The Rise of ETFs


32:37 The Trust Factor in Finance


35:22 Tuning Out the Noise


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]]>

2:34 Tune Out the Noise Documentary


4:23 Dimensional's Unique Investment Philosophy


7:31 Adding Value Over Indexing


8:20 Early Challenges and Data Evidence


11:25 The Role of Nobel Laureates


15:24 Active vs. Passive Investing


19:04 The Future of Active Management


23:32 Evolution of the Mutual Fund Industry


26:02 Technology's Impact on Investing


28:28 Behavioral Aspects of Investing


30:47 The Rise of ETFs


32:37 The Trust Factor in Finance


35:22 Tuning Out the Noise


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]]> Don McDonald 3672e686-2eb4-11f1-b6ec-afef08bfcd3c Thu, 27 Mar 2025 13:43:00 -0400 2660 false Biggest Losers Biggest Losers

1:20 The Reality of Mutual Funds


2:38 Understanding Value-Destroying Funds


4:17 The Importance of Avoiding Bad Investments


7:35 Long-Term Treasury Bonds: A Cautionary Tale


10:02 Choosing the Right Savings Account


13:32 Managing Your Checking Account Balance


16:09 Navigating High-Yield Accounts


17:48 Retirement Planning and TSP Allocation


22:04 Inheriting Wealth: A Financial Strategy


23:14 The Need for a Financial Plan


24:45 Managing Risks in a Political Landscape


28:36 Grandparenting with a Roth IRA


30:52 Investing for the Next Generation


34:17 Evaluating a Cross-Border Portfolio


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1:20 The Reality of Mutual Funds


2:38 Understanding Value-Destroying Funds


4:17 The Importance of Avoiding Bad Investments


7:35 Long-Term Treasury Bonds: A Cautionary Tale


10:02 Choosing the Right Savings Account


13:32 Managing Your Checking Account Balance


16:09 Navigating High-Yield Accounts


17:48 Retirement Planning and TSP Allocation


22:04 Inheriting Wealth: A Financial Strategy


23:14 The Need for a Financial Plan


24:45 Managing Risks in a Political Landscape


28:36 Grandparenting with a Roth IRA


30:52 Investing for the Next Generation


34:17 Evaluating a Cross-Border Portfolio


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]]> Don McDonald b0ce8c5a-2eb4-11f1-b6ec-6337556a60d8 Wed, 26 Mar 2025 16:36:00 -0400 2383 false Market Moodiness Market Moodiness

0:34 Introduction to Timely Financial Discussions


4:44 Market Sentiment and Performance Analysis


7:41 Listener Call: Financial Concerns


12:00 Navigating Taxes and Annuities


14:57 Personalized Financial Planning Importance


17:46 The Challenge of Finding Good Advisors


19:04 Fiduciary Responsibilities and Advisor Selection


24:50 Decumulation Strategies for Retirement


33:01 The Value of Professional Financial Guidance


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]]>

0:34 Introduction to Timely Financial Discussions


4:44 Market Sentiment and Performance Analysis


7:41 Listener Call: Financial Concerns


12:00 Navigating Taxes and Annuities


14:57 Personalized Financial Planning Importance


17:46 The Challenge of Finding Good Advisors


19:04 Fiduciary Responsibilities and Advisor Selection


24:50 Decumulation Strategies for Retirement


33:01 The Value of Professional Financial Guidance


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]]> Don McDonald 7ef3923e-2eb4-11f1-b6ec-83d78c47fc9a Tue, 25 Mar 2025 16:54:00 -0400 2207 false Fiduciary Homework Fiduciary Homework


0:32 Introduction to Fiduciary Responsibility


2:11 Finding a Fiduciary Financial Advisor


6:39 Verifying Advisor Credentials


8:39 Researching Financial Firms


11:23 Understanding Fees and Compensation


13:23 Conflicts of Interest Explained


16:43 Importance of Due Diligence


21:39 Listener Questions on Investment Strategies


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0:32 Introduction to Fiduciary Responsibility


2:11 Finding a Fiduciary Financial Advisor


6:39 Verifying Advisor Credentials


8:39 Researching Financial Firms


11:23 Understanding Fees and Compensation


13:23 Conflicts of Interest Explained


16:43 Importance of Due Diligence


21:39 Listener Questions on Investment Strategies


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]]> Don McDonald 7f08a5b6-2eb4-11f1-b6ec-179d1bea3549 Mon, 24 Mar 2025 15:43:00 -0400 1738 false A Bunch of Your Questions A Bunch of Your Questions

1:02 Annuities Explained


6:10 HSA Insights and Strategies


7:01 Understanding Municipal Bonds


10:20 Tax Strategies for Retirees


16:26 Addressing Portfolio Overhaul Concerns


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]]>

1:02 Annuities Explained


6:10 HSA Insights and Strategies


7:01 Understanding Municipal Bonds


10:20 Tax Strategies for Retirees


16:26 Addressing Portfolio Overhaul Concerns


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]]> Don McDonald 907c446a-2eb4-11f1-b6ec-3f2489a9bc37 Fri, 21 Mar 2025 15:51:00 -0400 1468 false No Protection? No Protection?

0:11 A Sensible Investment World


1:51 The Rise of Risky Funds


3:50 Bitcoin in Portfolios


5:45 The Return of Old Schemes


7:18 The Investor's Responsibility


9:45 The Importance of Strategy


12:13 Listener Questions Begin


14:22 ETFs vs. Mutual Funds


16:26 Bonds in 401k vs. Taxable Accounts


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]]>

0:11 A Sensible Investment World


1:51 The Rise of Risky Funds


3:50 Bitcoin in Portfolios


5:45 The Return of Old Schemes


7:18 The Investor's Responsibility


9:45 The Importance of Strategy


12:13 Listener Questions Begin


14:22 ETFs vs. Mutual Funds


16:26 Bonds in 401k vs. Taxable Accounts


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]]> Don McDonald 3772a396-2eb4-11f1-b6ec-5bff5a14cf29 Thu, 20 Mar 2025 16:44:00 -0400 1349 false Wanna Be Rich? Wanna Be Rich?


0:41 - Debunking millionaire myths: It’s not about luck, Amazon IPOs, or working 80-hour weeks.


1:45 - The Millionaire Next Door and the modern rise in millionaires (2020–2023).


2:48 - The top millionaire habits: underspending, steady investing, and avoiding debt.


3:13 - Don’t ignore “free money” (employer 401k match) as part of your wealth strategy.


3:36 - Understanding risk-adjusted investments (not market trends or headlines).


4:12 - The dangers of high-interest credit card debt (current rates around 20%).


9:19 - Listener question: Are there better alternatives to bonds in a portfolio?


11:52 - The myth of negative correlation: Bonds don’t always move opposite to stocks.


14:30 - Real estate, commodities, private credit—are they good alternatives? (Mostly no.)


17:37 - Why hedge funds fail at providing a true alternative investment strategy.


18:24 - Listener question: Should an annuity be inside an IRA? (No, and beware of sales tactics.)


20:06 - A listener asks about tools to analyze asset allocation across different accounts.


23:32 - A caller asks about his mom’s annuity; Fidelity gets called out for bad advice.


28:08 - The risks of annuities vs. safer alternatives like CDs.


31:41 - Listener question: Should I invest my cash-back rewards in Tesla or AVGE? (Tesla is a rollercoaster.)


34:29 - Individual stock risk: Why even major companies (like Walgreens) can collapse.


37:36 - Nostalgic discussion about financial talk radio, Bob Brinker, and Financial Fysics.


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]]>


0:41 - Debunking millionaire myths: It’s not about luck, Amazon IPOs, or working 80-hour weeks.


1:45 - The Millionaire Next Door and the modern rise in millionaires (2020–2023).


2:48 - The top millionaire habits: underspending, steady investing, and avoiding debt.


3:13 - Don’t ignore “free money” (employer 401k match) as part of your wealth strategy.


3:36 - Understanding risk-adjusted investments (not market trends or headlines).


4:12 - The dangers of high-interest credit card debt (current rates around 20%).


9:19 - Listener question: Are there better alternatives to bonds in a portfolio?


11:52 - The myth of negative correlation: Bonds don’t always move opposite to stocks.


14:30 - Real estate, commodities, private credit—are they good alternatives? (Mostly no.)


17:37 - Why hedge funds fail at providing a true alternative investment strategy.


18:24 - Listener question: Should an annuity be inside an IRA? (No, and beware of sales tactics.)


20:06 - A listener asks about tools to analyze asset allocation across different accounts.


23:32 - A caller asks about his mom’s annuity; Fidelity gets called out for bad advice.


28:08 - The risks of annuities vs. safer alternatives like CDs.


31:41 - Listener question: Should I invest my cash-back rewards in Tesla or AVGE? (Tesla is a rollercoaster.)


34:29 - Individual stock risk: Why even major companies (like Walgreens) can collapse.


37:36 - Nostalgic discussion about financial talk radio, Bob Brinker, and Financial Fysics.


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]]> Don McDonald 8fd4104c-2eb4-11f1-b6ec-b3f40485ede1 Wed, 19 Mar 2025 15:38:00 -0400 2381 false Prices Also Fall Prices Also Fall

0:04 Market reactions and recent trends - S&P 500 up 10% over past year despite media negativity


2:50 Baby Boomers and market concerns - critique of alarmist headlines about retirement portfolios


5:05 Investing strategies for volatile markets - importance of discipline and avoiding emotional reactions


6:14 Understanding portfolio allocation - caller question about bonds in Roth vs. traditional IRAs


10:15 Dave Ramsey's $100/month millionaire claim - analysis of investment return calculations


19:44 Importance of risk tolerance - historical performance of American Funds with significant downturns


23:31 Evaluating old retirement plans - advice on moving a $45,000 government retirement account to an IRA


26:22 Investment terminology explained - definitions of large/mid/small cap, growth vs. value stocks


32:59 Understanding bond investments - short-term (under 3 years), intermediate (4-10 years), and long-term (10+ years)


35:28 Engaging with financial education - information about speaking engagements and consultation opportunities


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]]>

0:04 Market reactions and recent trends - S&P 500 up 10% over past year despite media negativity


2:50 Baby Boomers and market concerns - critique of alarmist headlines about retirement portfolios


5:05 Investing strategies for volatile markets - importance of discipline and avoiding emotional reactions


6:14 Understanding portfolio allocation - caller question about bonds in Roth vs. traditional IRAs


10:15 Dave Ramsey's $100/month millionaire claim - analysis of investment return calculations


19:44 Importance of risk tolerance - historical performance of American Funds with significant downturns


23:31 Evaluating old retirement plans - advice on moving a $45,000 government retirement account to an IRA


26:22 Investment terminology explained - definitions of large/mid/small cap, growth vs. value stocks


32:59 Understanding bond investments - short-term (under 3 years), intermediate (4-10 years), and long-term (10+ years)


35:28 Engaging with financial education - information about speaking engagements and consultation opportunities


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]]> Don McDonald 8249f81a-2eb4-11f1-b6ec-dfe4702c8ae5 Tue, 18 Mar 2025 16:06:00 -0400 2381 false Catching Some Zs Catching Some Zs

0:04 Generational wealth distribution and control among Baby Boomers


2:06 Investment start ages across generations (Baby Boomers: 35, Gen X: 32, Millennials: 25, Gen Z: 19)


3:56 Concerning investment behaviors of Gen Z - options trading (36%), cryptocurrency (42%), and margin trading (25%)


7:23 Risks of relying on social media for financial advice and the problems with "fin-fluencers"


9:38 Long-term index fund investing versus short-term gambling approaches


14:39 Listener question: Where to keep liquid funds in today's interest rate environment


16:02 IRMAA (Medicare surcharges) planning and tax-efficient retirement withdrawal strategies


19:39 RetireMeet 2025 resources and financial advisory services


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]]>

0:04 Generational wealth distribution and control among Baby Boomers


2:06 Investment start ages across generations (Baby Boomers: 35, Gen X: 32, Millennials: 25, Gen Z: 19)


3:56 Concerning investment behaviors of Gen Z - options trading (36%), cryptocurrency (42%), and margin trading (25%)


7:23 Risks of relying on social media for financial advice and the problems with "fin-fluencers"


9:38 Long-term index fund investing versus short-term gambling approaches


14:39 Listener question: Where to keep liquid funds in today's interest rate environment


16:02 IRMAA (Medicare surcharges) planning and tax-efficient retirement withdrawal strategies


19:39 RetireMeet 2025 resources and financial advisory services


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]]> Don McDonald 9c692c70-2eb4-11f1-b6ec-d3e2c77f8f92 Mon, 17 Mar 2025 17:46:16 -0400 1468 false These Questions Five These Questions Five

1:38 Inherited IRAs Explained


3:34 Understanding Short-Term Bond Funds


5:35 Tax Implications on Dividends


6:40 The Role of Mid-Cap Investments


8:43 Withdrawal Strategies in Retirement


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]]>

1:38 Inherited IRAs Explained


3:34 Understanding Short-Term Bond Funds


5:35 Tax Implications on Dividends


6:40 The Role of Mid-Cap Investments


8:43 Withdrawal Strategies in Retirement


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]]> Don McDonald 7c08a15e-2eb4-11f1-b6ec-2b51fa9908fe Fri, 14 Mar 2025 15:16:35 -0400 934 false Misplaced Confidence Misplaced Confidence

3:08 The Gambler's Fallacy


7:01 Confirmation Bias in Investing


13:27 Understanding Risk in Investing


16:11 Listener Questions and Answers


21:02 Retirement Planning Strategies


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3:08 The Gambler's Fallacy


7:01 Confirmation Bias in Investing


13:27 Understanding Risk in Investing


16:11 Listener Questions and Answers


21:02 Retirement Planning Strategies


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]]> Don McDonald 3645839e-2eb4-11f1-b6ec-935a6c07513b Thu, 13 Mar 2025 14:52:12 -0400 1658 false Social inSecurity Social inSecurity

2:05 Concerns About Social Security


5:03 Social Security and Retirement Planning


5:29 Social Security Class Announcement


7:30 Investing for Young Adults


8:28 Emergency Funds and 401k Options


10:33 Real Estate Considerations for Young Adults


14:06 High-Yield Savings Accounts Discussion


24:10 Gimmicks in Banking Rates


28:33 Roth Conversion and Capital Gains


35:04 Market Performance and Emotional Investing


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2:05 Concerns About Social Security


5:03 Social Security and Retirement Planning


5:29 Social Security Class Announcement


7:30 Investing for Young Adults


8:28 Emergency Funds and 401k Options


10:33 Real Estate Considerations for Young Adults


14:06 High-Yield Savings Accounts Discussion


24:10 Gimmicks in Banking Rates


28:33 Roth Conversion and Capital Gains


35:04 Market Performance and Emotional Investing


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]]> Don McDonald 8683403a-2eb4-11f1-b6ec-f3b2ed90ebb8 Wed, 12 Mar 2025 16:41:00 -0400 2365 false Partisan Portfolios Partisan Portfolios

2:16 Don's and Tom's Politics


4:34 Should You Invest Politically?


8:08 The Risks of Individual Stocks


21:43 The Fall of Walgreens


30:44 Fidelity vs. Schwab: A Comparison


33:48 Understanding Zero Coupon Funds


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2:16 Don's and Tom's Politics


4:34 Should You Invest Politically?


8:08 The Risks of Individual Stocks


21:43 The Fall of Walgreens


30:44 Fidelity vs. Schwab: A Comparison


33:48 Understanding Zero Coupon Funds


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]]> Don McDonald 92888278-2eb4-11f1-b6ec-83e2297ac708 Tue, 11 Mar 2025 15:55:55 -0400 2348 false Build Better Build Better

0:34 Portfolio Population Basics


2:24 Diversification Discussion


6:09 International Investments


13:12 Social Security Insights


18:13 Early Retirement Experiences


23:10 Roth Accounts for Kids


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0:34 Portfolio Population Basics


2:24 Diversification Discussion


6:09 International Investments


13:12 Social Security Insights


18:13 Early Retirement Experiences


23:10 Roth Accounts for Kids


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]]> Don McDonald 84933622-2eb4-11f1-b6ec-577dda5dec5d Mon, 10 Mar 2025 16:15:59 -0400 1557 false Q&A Duo Q&A Duo
[0:04] Introduction and explanation for Q&A format change

[3:07] Comparing Vanguard funds to Avantis Global Equity Fund (AVGE)

[7:34] Army officer's retirement planning and investment portfolio review

[16:34] Debt hierarchy guidance for young professionals

[18:11] Managing an old employer 403(b) plan at Fidelity

[21:54] Understanding Dimensional Funds performance vs benchmarks


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]]>
[0:04] Introduction and explanation for Q&A format change

[3:07] Comparing Vanguard funds to Avantis Global Equity Fund (AVGE)

[7:34] Army officer's retirement planning and investment portfolio review

[16:34] Debt hierarchy guidance for young professionals

[18:11] Managing an old employer 403(b) plan at Fidelity

[21:54] Understanding Dimensional Funds performance vs benchmarks


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]]> Don McDonald cff89292-2eb4-11f1-b6ec-6bdee4373d36 Fri, 07 Mar 2025 14:19:47 -0500 1748 false Bouncing Around Bouncing Around They answer listener questions, suggesting a fee-only fiduciary advisor to someone with a broker-built portfolio of individual stocks and annuities. They also recommend a retirement plan update for a long-time follower moving from saving to spending phase.
Throughout the show, Don and Tom emphasize understanding investment volatility, diversification, and portfolio rebalancing with their trademark mix of financial know-how and friendly banter.


[0:04] Intro to Financial Freedom


[1:55] Don's Vision Pro Experience


[3:03] Understanding Risk as Volatility


[5:35] Types of Investment Risk


[7:18] Portfolio Drawdown Concerns


[9:48] ARK ETF's Extreme Volatility


[13:22] Index Fund Rebalancing


[14:13] VT vs ARKK Performance Comparison


[16:53] Listener Questions Begin


[24:51] Finding a Fiduciary Advisor


[31:16] Transitioning to Retirement


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]]> They answer listener questions, suggesting a fee-only fiduciary advisor to someone with a broker-built portfolio of individual stocks and annuities. They also recommend a retirement plan update for a long-time follower moving from saving to spending phase.
Throughout the show, Don and Tom emphasize understanding investment volatility, diversification, and portfolio rebalancing with their trademark mix of financial know-how and friendly banter.


[0:04] Intro to Financial Freedom


[1:55] Don's Vision Pro Experience


[3:03] Understanding Risk as Volatility


[5:35] Types of Investment Risk


[7:18] Portfolio Drawdown Concerns


[9:48] ARK ETF's Extreme Volatility


[13:22] Index Fund Rebalancing


[14:13] VT vs ARKK Performance Comparison


[16:53] Listener Questions Begin


[24:51] Finding a Fiduciary Advisor


[31:16] Transitioning to Retirement


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]]> Don McDonald 4d728b66-2eb4-11f1-b6ec-c31c70c6159b Thu, 06 Mar 2025 15:58:46 -0500 1798 false Financial Fear Factors Financial Fear Factors

2:04 Magical Technology and Reality


3:05 Understanding Risk in Investing


5:42 Measuring Investment Risk


7:20 The Importance of Drawdown


13:25 The Volatility of Investments


14:12 Comparing Investment Options


16:55 Live Questions and Listener Insights


18:04 Portfolio Rebalancing Strategies


19:41 Call for Listener Engagement


21:50 Evaluating Investment Portfolios


24:53 Choosing the Right Financial Advisor


31:18 Preparing for Retirement


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2:04 Magical Technology and Reality


3:05 Understanding Risk in Investing


5:42 Measuring Investment Risk


7:20 The Importance of Drawdown


13:25 The Volatility of Investments


14:12 Comparing Investment Options


16:55 Live Questions and Listener Insights


18:04 Portfolio Rebalancing Strategies


19:41 Call for Listener Engagement


21:50 Evaluating Investment Portfolios


24:53 Choosing the Right Financial Advisor


31:18 Preparing for Retirement


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]]> Don McDonald 86ddc5a0-2eb4-11f1-b6ec-d3296bb20884 Wed, 05 Mar 2025 15:29:48 -0500 2380 false Worry Less Worry Less

1:56 The Truth About Money Lies


3:18 Jonathan Clements' Insights


5:04 Coping with Financial Anxiety


7:01 Automating Your Finances


12:03 Tax Efficiency in Investments


18:36 Finding a Professional Fiduciary


22:21 Planning for Future Financial Care


31:13 Jonathan Clements' Final Advice


34:04 Understanding Rebalancing Risks


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1:56 The Truth About Money Lies


3:18 Jonathan Clements' Insights


5:04 Coping with Financial Anxiety


7:01 Automating Your Finances


12:03 Tax Efficiency in Investments


18:36 Finding a Professional Fiduciary


22:21 Planning for Future Financial Care


31:13 Jonathan Clements' Final Advice


34:04 Understanding Rebalancing Risks


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]]> Don McDonald 9570e4b2-2eb4-11f1-b6ec-4b2e6325d816 Tue, 04 Mar 2025 15:18:00 -0500 2385 false Put Down the Dow Put Down the Dow

0:58 Introduction to the Dow Debate


2:11 The Dow's Calculation Explained


4:04 Big Tech's Influence on the Dow


5:17 The Dow's Media Presence


6:27 Ownership of the Dow Jones


8:07 The Arbitrary Nature of Indexes


11:21 Trusting Financial Indexes


14:18 Evaluating Investment Choices


17:06 Risks of Complex Funds


20:04 Reassessing Retirement Strategies


22:05 Tax Implications of Investments


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]]>

0:58 Introduction to the Dow Debate


2:11 The Dow's Calculation Explained


4:04 Big Tech's Influence on the Dow


5:17 The Dow's Media Presence


6:27 Ownership of the Dow Jones


8:07 The Arbitrary Nature of Indexes


11:21 Trusting Financial Indexes


14:18 Evaluating Investment Choices


17:06 Risks of Complex Funds


20:04 Reassessing Retirement Strategies


22:05 Tax Implications of Investments


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]]> Don McDonald 7c6b83e6-2eb4-11f1-b6ec-bb5eca557256 Mon, 03 Mar 2025 17:45:24 -0500 1719 false We Have Questions We Have Questions

1:29 Long-Term Disability Insights


5:15 Fidelity Target Date Funds Discussion


10:59 Annuity Portfolio Changes


13:02 Understanding Wrap Accounts


16:49 Navigating Long-Term Care Insurance


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1:29 Long-Term Disability Insights


5:15 Fidelity Target Date Funds Discussion


10:59 Annuity Portfolio Changes


13:02 Understanding Wrap Accounts


16:49 Navigating Long-Term Care Insurance


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]]> Don McDonald 50d6ec70-2eb4-11f1-b6ec-e3168743d760 Fri, 28 Feb 2025 15:05:24 -0500 1484 false Why Try? Why Try?

0:33 Investing Truths Uncovered


1:38 The Fallacy of Active Management


2:55 Diversification and Market Cycles


5:23 Autopilot Investment Strategies


6:58 Trusting Long-Term Data


9:19 Historical Returns Explained


11:49 The Power of Index Funds


13:03 Listener Questions and Insights


19:03 Young Investors and Market Perceptions


19:59 Understanding Fund Expenses


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0:33 Investing Truths Uncovered


1:38 The Fallacy of Active Management


2:55 Diversification and Market Cycles


5:23 Autopilot Investment Strategies


6:58 Trusting Long-Term Data


9:19 Historical Returns Explained


11:49 The Power of Index Funds


13:03 Listener Questions and Insights


19:03 Young Investors and Market Perceptions


19:59 Understanding Fund Expenses


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]]> Don McDonald 841a8b3c-2eb4-11f1-b6ec-2f17e81c1f8f Thu, 27 Feb 2025 17:01:46 -0500 1685 false Financially Illiterate? Financially Illiterate?

0:52 The Biggest Heist in History


0:54 Financial Literacy: Are We Really Educated?


2:35 The Three Questions of Financial Literacy


5:10 Disappointment in Financial Knowledge


5:16 Finding a Financial Advisor


7:06 Preparing for Your First Advisor Meeting


10:02 Researching Your Potential Advisor


11:41 Understanding Fees and Conflicts of Interest


13:21 Selling Your Home: Capital Gains Deductions


17:54 Estate Planning and Probate Concerns


19:37 The Importance of Pensions


33:22 Understanding Pensions and Retirement Plans


34:27 The Value of Employer Contributions


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0:52 The Biggest Heist in History


0:54 Financial Literacy: Are We Really Educated?


2:35 The Three Questions of Financial Literacy


5:10 Disappointment in Financial Knowledge


5:16 Finding a Financial Advisor


7:06 Preparing for Your First Advisor Meeting


10:02 Researching Your Potential Advisor


11:41 Understanding Fees and Conflicts of Interest


13:21 Selling Your Home: Capital Gains Deductions


17:54 Estate Planning and Probate Concerns


19:37 The Importance of Pensions


33:22 Understanding Pensions and Retirement Plans


34:27 The Value of Employer Contributions


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]]> Don McDonald 8401b918-2eb4-11f1-b6ec-e3510f5f2fc2 Wed, 26 Feb 2025 16:33:00 -0500 2375 false Stocks Also Fall Stocks Also Fall

0:34 US Stocks Take a Tumble


4:44 Market Sentiment and Performance Analysis


7:41 Listener Call: Financial Concerns


12:00 Navigating Taxes and Annuities


14:57 Personalized Financial Planning Importance


17:46 The Challenge of Finding Good Advisors


19:04 Fiduciary Responsibilities and Advisor Selection


24:50 Decumulation Strategies for Retirement


33:01 The Value of Professional Financial Guidance


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0:34 US Stocks Take a Tumble


4:44 Market Sentiment and Performance Analysis


7:41 Listener Call: Financial Concerns


12:00 Navigating Taxes and Annuities


14:57 Personalized Financial Planning Importance


17:46 The Challenge of Finding Good Advisors


19:04 Fiduciary Responsibilities and Advisor Selection


24:50 Decumulation Strategies for Retirement


33:01 The Value of Professional Financial Guidance


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]]> Don McDonald ae171f68-2eb4-11f1-b6ec-03db180d17cf Tue, 25 Feb 2025 16:35:00 -0500 2371 false How Low Can They Go? How Low Can They Go?

1:27 Vanguard Cuts Fees


2:34 Small Savings for Investors


6:54 Customer Service Concerns


8:22 Index Fund Clarity


13:14 Dog Food Comparisons


13:43 Listener Questions Begin


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1:27 Vanguard Cuts Fees


2:34 Small Savings for Investors


6:54 Customer Service Concerns


8:22 Index Fund Clarity


13:14 Dog Food Comparisons


13:43 Listener Questions Begin


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]]> Don McDonald 7dc2270e-2eb4-11f1-b6ec-371a48a26040 Mon, 24 Feb 2025 16:12:58 -0500 1483 false Managed Bonds Better? Managed Bonds Better?

0:44 Active vs Passive Fund Management


1:40 The Bond Fund Debate


3:01 Active Bond Management Challenges


4:20 Vanguard's Role in Bond Funds


5:46 Comparing Bond Fund Quality


6:55 The Risks of Active Management


13:34 Questions and Comments


21:59 Self-Directed IRA Considerations


24:22 Personal vs Business Investments


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0:44 Active vs Passive Fund Management


1:40 The Bond Fund Debate


3:01 Active Bond Management Challenges


4:20 Vanguard's Role in Bond Funds


5:46 Comparing Bond Fund Quality


6:55 The Risks of Active Management


13:34 Questions and Comments


21:59 Self-Directed IRA Considerations


24:22 Personal vs Business Investments


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]]> Don McDonald 8f652c36-2eb4-11f1-b6ec-5b71bc8eb178 Fri, 21 Feb 2025 14:54:27 -0500 1695 false Super Bowl Investing? Super Bowl Investing?

1:48 Super Bowl Betting Frenzy


15:55 Long-Term Care Insurance Insights


17:39 Evaluating Pet Insurance Costs


31:52 Understanding Charitable Distributions


36:51 The Podcast Production Team


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1:48 Super Bowl Betting Frenzy


15:55 Long-Term Care Insurance Insights


17:39 Evaluating Pet Insurance Costs


31:52 Understanding Charitable Distributions


36:51 The Podcast Production Team


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]]> Don McDonald 888681d0-2eb4-11f1-b6ec-878a80c2e19b Thu, 20 Feb 2025 17:04:00 -0500 2376 false Price of Protection Price of Protection

0:48 Real Money Basics


3:22 Hedge Funds Uncovered


5:15 The Role of AI in Investing


6:12 Listener Questions Begin


18:26 Performance and Client Feedback


19:37 Understanding Fund Comparisons


31:07 Navigating Closed-End Funds


33:22 Strategies for Retirement Income


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0:48 Real Money Basics


3:22 Hedge Funds Uncovered


5:15 The Role of AI in Investing


6:12 Listener Questions Begin


18:26 Performance and Client Feedback


19:37 Understanding Fund Comparisons


31:07 Navigating Closed-End Funds


33:22 Strategies for Retirement Income


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]]> Don McDonald 9893f0d0-2eb4-11f1-b6ec-43af848c8d52 Wed, 19 Feb 2025 15:42:00 -0500 2378 false Q&A on a Tuesday? Q&A on a Tuesday?

0:23 Opening the Question Pile


2:58 Historical Reflections


4:59 Tangents and Technology


9:31 Retirement Fund Strategies


11:19 Health Savings Accounts Explained


13:35 Roth Contribution Changes


15:23 Understanding Fund Prices


18:54 Clarifying Roth IRA Confusion


23:04 The Role of Financial Advisors


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]]>

0:23 Opening the Question Pile


2:58 Historical Reflections


4:59 Tangents and Technology


9:31 Retirement Fund Strategies


11:19 Health Savings Accounts Explained


13:35 Roth Contribution Changes


15:23 Understanding Fund Prices


18:54 Clarifying Roth IRA Confusion


23:04 The Role of Financial Advisors


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]]> Don McDonald 9af74764-2eb4-11f1-b6ec-77a62e899d1f Tue, 18 Feb 2025 14:47:54 -0500 1818 false It's Your Q It's Your Q

1:41 High-Yield Savings Accounts Discussion


5:05 Retirement Income Strategies


8:52 Transforming Your Retirement Portfolio


13:35 Rollover IRA Insight


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1:41 High-Yield Savings Accounts Discussion


5:05 Retirement Income Strategies


8:52 Transforming Your Retirement Portfolio


13:35 Rollover IRA Insight


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]]> Don McDonald d07cfee2-2eb4-11f1-b6ec-bbc1442084bf Fri, 14 Feb 2025 14:59:32 -0500 1225 false Modern Money Media Modern Money Media

0:33 Social Media and Financial Advice


1:14 The Risks of Finfluencers


2:20 Regulation Gaps in Financial Advice


5:52 Shaquille O'Neal's Financial Evolution


7:14 Finding Reliable Financial Sources


8:55 The Appeal of Meet Kevin


11:51 Dave Ramsey's Legal Troubles


13:09 Kevin's Family Life and Career


14:52 Engaging with Our Listeners


21:44 Navigating Avantis Funds


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]]>

0:33 Social Media and Financial Advice


1:14 The Risks of Finfluencers


2:20 Regulation Gaps in Financial Advice


5:52 Shaquille O'Neal's Financial Evolution


7:14 Finding Reliable Financial Sources


8:55 The Appeal of Meet Kevin


11:51 Dave Ramsey's Legal Troubles


13:09 Kevin's Family Life and Career


14:52 Engaging with Our Listeners


21:44 Navigating Avantis Funds


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]]> Don McDonald 88b65ba8-2eb4-11f1-b6ec-c76596db4c36 Thu, 13 Feb 2025 13:59:21 -0500 1647 false Retiremeet '25 - Part Two Retiremeet '25 - Part Two

1:32 Empowering Young Investors


2:52 Overcoming Financial Knowledge Gaps


4:05 Navigating Financial Information


5:16 Transition to Tom's Return


6:16 Food and Networking at Retire Meet


7:18 Weather Woes and Retirement Concerns


10:02 Addressing Retirement Purpose


13:03 The Importance of Social Security


14:17 Tom Takes Over the Show


14:50 Callers and Financial Questions


24:49 The Impact of Politics on Money


31:00 Building a Personal Portfolio


33:59 Joe's Annuity Inquiry


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]]>

1:32 Empowering Young Investors


2:52 Overcoming Financial Knowledge Gaps


4:05 Navigating Financial Information


5:16 Transition to Tom's Return


6:16 Food and Networking at Retire Meet


7:18 Weather Woes and Retirement Concerns


10:02 Addressing Retirement Purpose


13:03 The Importance of Social Security


14:17 Tom Takes Over the Show


14:50 Callers and Financial Questions


24:49 The Impact of Politics on Money


31:00 Building a Personal Portfolio


33:59 Joe's Annuity Inquiry


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]]> Don McDonald 7a99a43a-2eb4-11f1-b6ec-8f7dfa249208 Wed, 12 Feb 2025 16:59:00 -0500 2360 false Retiremeet '25 - Part One Retiremeet '25 - Part One

0:37 Live from RetireMeet 2025


2:13 Impressions of RetireMeet


6:05 Lifestyle in Retirement


8:38 Practicing Retirement


9:54 Setting Up for Retirement


14:00 Transitioning to Retirement


14:56 Balancing Retirement Goals


19:26 Long-Term Disability Insights


27:13 Navigating Social Security


34:50 Comprehensive Financial Planning


35:52 Control in Retirement Planning


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0:37 Live from RetireMeet 2025


2:13 Impressions of RetireMeet


6:05 Lifestyle in Retirement


8:38 Practicing Retirement


9:54 Setting Up for Retirement


14:00 Transitioning to Retirement


14:56 Balancing Retirement Goals


19:26 Long-Term Disability Insights


27:13 Navigating Social Security


34:50 Comprehensive Financial Planning


35:52 Control in Retirement Planning


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]]> Don McDonald 78693bc6-2eb4-11f1-b6ec-9768c899e84d Tue, 11 Feb 2025 17:18:45 -0500 2438 false Pricey Shrubs Pricey Shrubs

0:27 Introduction to Hedge Funds


1:57 Hedge Fund Slogans and Fees


5:04 Hedge Fund Performance vs. S&P 500


8:43 The Problem with Hedge Fund Strategies


11:08 The Grift of Hedge Funds


12:48 Listener Questions Begin


15:48 Flashbacks to 2008 Financial Crisis


17:19 Investing in ETFs


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0:27 Introduction to Hedge Funds


1:57 Hedge Fund Slogans and Fees


5:04 Hedge Fund Performance vs. S&P 500


8:43 The Problem with Hedge Fund Strategies


11:08 The Grift of Hedge Funds


12:48 Listener Questions Begin


15:48 Flashbacks to 2008 Financial Crisis


17:19 Investing in ETFs


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]]> Don McDonald 970ec29e-2eb4-11f1-b6ec-df3f0db31fba Mon, 10 Feb 2025 19:27:00 -0500 1618 false Más Preguntas Más Preguntas Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 369f9d3e-2eb4-11f1-b6ec-abe3fc7de3fd Fri, 07 Feb 2025 16:15:56 -0500 1209 false Market or Rules? Market or Rules?

0:45 Introduction to the Investment Debate


2:26 The Case for Total Market Index Funds


5:56 Performance Comparison: ETFs vs. Index Funds


7:46 Understanding Risk in Investment Choices


10:29 The Importance of Diversification


14:07 Global Investing: A Broader Perspective


15:07 Listener Questions: Asset Location Strategies


17:56 Bond Investments: Tips vs. ETFs


22:39 CD Ladders vs. Bond Funds


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]]>

0:45 Introduction to the Investment Debate


2:26 The Case for Total Market Index Funds


5:56 Performance Comparison: ETFs vs. Index Funds


7:46 Understanding Risk in Investment Choices


10:29 The Importance of Diversification


14:07 Global Investing: A Broader Perspective


15:07 Listener Questions: Asset Location Strategies


17:56 Bond Investments: Tips vs. ETFs


22:39 CD Ladders vs. Bond Funds


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]]> Don McDonald ad1a8000-2eb4-11f1-b6ec-239a2c436845 Thu, 06 Feb 2025 16:00:00 -0500 1724 false Hard to Grow Hard to Grow

1:48 The Illusion of Gold


7:13 Retirement and Investment Strategies


8:52 Health Savings Accounts Explored


12:53 The Dangers of Meme Coins


15:54 Navigating Required Minimum Distributions


25:19 Bond Funds and Market Stability


28:56 Capital Gains Tax Insights


34:14 Understanding IRMAA and Medicare Costs


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1:48 The Illusion of Gold


7:13 Retirement and Investment Strategies


8:52 Health Savings Accounts Explored


12:53 The Dangers of Meme Coins


15:54 Navigating Required Minimum Distributions


25:19 Bond Funds and Market Stability


28:56 Capital Gains Tax Insights


34:14 Understanding IRMAA and Medicare Costs


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]]> Don McDonald 519e1502-2eb4-11f1-b6ec-036522ad7594 Wed, 05 Feb 2025 16:36:00 -0500 2384 false Nvidia Crash Nvidia Crash

0:56 Surprises in the Stock Market


5:05 NVIDIA Stock Shock


11:50 The Importance of Diversification


19:32 Cryptocurrency and Meme Coins


22:19 The Rise of Dogecoin


26:03 The Trump Coin Phenomenon


33:19 Investing Strategies for the Future


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0:56 Surprises in the Stock Market


5:05 NVIDIA Stock Shock


11:50 The Importance of Diversification


19:32 Cryptocurrency and Meme Coins


22:19 The Rise of Dogecoin


26:03 The Trump Coin Phenomenon


33:19 Investing Strategies for the Future


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]]> Don McDonald 280585a4-2eb4-11f1-b6ec-a729c22e1c46 Tue, 04 Feb 2025 15:40:00 -0500 2399 false Like Moths... Like Moths...

0:59 The Allure of Hot Stocks


6:22 Best International Funds Unveiled


14:07 Choosing Your Equity Funds


14:44 Listener Questions: Bond Fund Confusion


18:20 Emergency Fund Strategies


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0:59 The Allure of Hot Stocks


6:22 Best International Funds Unveiled


14:07 Choosing Your Equity Funds


14:44 Listener Questions: Bond Fund Confusion


18:20 Emergency Fund Strategies


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]]> Don McDonald d15a3a82-2eb4-11f1-b6ec-0f44c786bb6a Mon, 03 Feb 2025 16:11:28 -0500 1592 false More Than a Few Qs More Than a Few Qs

3:07 Understanding Active vs. Passive Management


5:43 Exploring Callable and Non-callable CDs


9:06 Investing Strategies for Young Couples


13:32 Navigating Investment Options for Retirement


18:06 Customizing a Target Date 529 Fund


22:23 Roth Conversions and Tax Implications


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3:07 Understanding Active vs. Passive Management


5:43 Exploring Callable and Non-callable CDs


9:06 Investing Strategies for Young Couples


13:32 Navigating Investment Options for Retirement


18:06 Customizing a Target Date 529 Fund


22:23 Roth Conversions and Tax Implications


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]]> Don McDonald 83460970-2eb4-11f1-b6ec-bbd3087bdf75 Fri, 31 Jan 2025 16:28:45 -0500 1879 false A Few Good Stocks A Few Good Stocks

0:38 Stock Market Insights


2:35 The Power of Stock Selection


5:40 The Challenge of Picking Winners


11:23 Lessons from Netflix and Streaming


12:53 Tax Loss Harvesting Explained


17:58 Portfolio Questions from Listeners


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0:38 Stock Market Insights


2:35 The Power of Stock Selection


5:40 The Challenge of Picking Winners


11:23 Lessons from Netflix and Streaming


12:53 Tax Loss Harvesting Explained


17:58 Portfolio Questions from Listeners


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]]> Don McDonald 7acae3f6-2eb4-11f1-b6ec-b7f9d8c3c68a Thu, 30 Jan 2025 17:03:35 -0500 1730 false US Best, But... US Best, But...

4:59 The Power of Diversification


6:50 Understanding Cash Management


9:19 The Role of ETFs


10:34 Interest Rates Explained


13:06 The Impact of Risk


14:06 Evaluating Financial Advisors


15:34 Exploring Employer Plans


17:45 Options for HSA Rollovers


19:24 The Future of Your Investments


25:04 Navigating Advisor Relationships


27:27 Dividends and ETFs


32:03 Managing Health Savings Accounts


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4:59 The Power of Diversification


6:50 Understanding Cash Management


9:19 The Role of ETFs


10:34 Interest Rates Explained


13:06 The Impact of Risk


14:06 Evaluating Financial Advisors


15:34 Exploring Employer Plans


17:45 Options for HSA Rollovers


19:24 The Future of Your Investments


25:04 Navigating Advisor Relationships


27:27 Dividends and ETFs


32:03 Managing Health Savings Accounts


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]]> Don McDonald ada839e0-2eb4-11f1-b6ec-d35a72973d83 Wed, 29 Jan 2025 15:29:00 -0500 2382 false Keep It Steady Keep It Steady

1:43 The Importance of Portfolio Rebalancing


5:15 Understanding Stock to Bond Ratios


6:25 Risks of Overexposure to Stocks


9:08 The Need for a Financial Plan


12:02 Insights on LLC and Estate Planning


14:01 The Value of Professional Financial Advice


15:01 Clarifying Investment Fees


16:49 Balancing Debt and Investments


19:23 The Role of International Investments


21:43 The Psychology of Investing


28:37 Early Retirement Planning


34:52 Finding Purpose in Retirement


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1:43 The Importance of Portfolio Rebalancing


5:15 Understanding Stock to Bond Ratios


6:25 Risks of Overexposure to Stocks


9:08 The Need for a Financial Plan


12:02 Insights on LLC and Estate Planning


14:01 The Value of Professional Financial Advice


15:01 Clarifying Investment Fees


16:49 Balancing Debt and Investments


19:23 The Role of International Investments


21:43 The Psychology of Investing


28:37 Early Retirement Planning


34:52 Finding Purpose in Retirement


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]]> Don McDonald 92ec8304-2eb4-11f1-b6ec-af573eb4befe Tue, 28 Jan 2025 16:25:59 -0500 2319 false Markets Also Fall Markets Also Fall

0:26 What Goes Up Can Come Down


0:47 The Stock Market Surge


4:57 Preparing for Market Corrections


7:33 Investor Strategies During Corrections


15:01 Listener Questions Begin


16:39 Investment Strategies for Retirement


19:16 Financing Home Improvements


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0:26 What Goes Up Can Come Down


0:47 The Stock Market Surge


4:57 Preparing for Market Corrections


7:33 Investor Strategies During Corrections


15:01 Listener Questions Begin


16:39 Investment Strategies for Retirement


19:16 Financing Home Improvements


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]]> Don McDonald cef21e5e-2eb4-11f1-b6ec-534f53b74547 Mon, 27 Jan 2025 13:59:36 -0500 1748 false Tom & Roxy Day Tom & Roxy Day

0:27 The Bank's Profit Motive


7:28 Social Security Strategies


11:01 Traditional vs. Roth IRA Decisions


13:50 ETF Trading Restrictions


14:32 Understanding Social Security Projections


18:37 Canadian Investment Insights


27:13 Preparing for Retirement Education


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0:27 The Bank's Profit Motive


7:28 Social Security Strategies


11:01 Traditional vs. Roth IRA Decisions


13:50 ETF Trading Restrictions


14:32 Understanding Social Security Projections


18:37 Canadian Investment Insights


27:13 Preparing for Retirement Education


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]]> Don McDonald d12b3ef8-2eb4-11f1-b6ec-e77a1b7d1ca3 Fri, 24 Jan 2025 16:01:00 -0500 1714 false Take it Seriously Take it Seriously

1:19 The Game of Investing


4:02 The Roller Coaster of ARK Innovation


5:21 Thematic Funds Explained


8:11 International Perspective on Financial Leadership


11:32 The Importance of Financial Backgrounds


19:33 Listener Call: Investing Strategies


22:15 Understanding Roth IRA Conversions


24:59 Starting Over with Investments


34:07 The Complexity of Financial Planning


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1:19 The Game of Investing


4:02 The Roller Coaster of ARK Innovation


5:21 Thematic Funds Explained


8:11 International Perspective on Financial Leadership


11:32 The Importance of Financial Backgrounds


19:33 Listener Call: Investing Strategies


22:15 Understanding Roth IRA Conversions


24:59 Starting Over with Investments


34:07 The Complexity of Financial Planning


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]]> Don McDonald 85b0dfa0-2eb4-11f1-b6ec-6f6e268d6914 Thu, 23 Jan 2025 12:20:00 -0500 2389 false Short Sweeps Short Sweeps

1:10 A 401(k) RMD Correction


3:42 Brokers Paying Too Little?


11:47 Vanguard Must Pay back $100 Million


20:14 52-Week Money Challenge


25:37 Callable CDs and Bonds


34:08 Navigating Financial Advisors


35:56 Retirement Planning Insights


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1:10 A 401(k) RMD Correction


3:42 Brokers Paying Too Little?


11:47 Vanguard Must Pay back $100 Million


20:14 52-Week Money Challenge


25:37 Callable CDs and Bonds


34:08 Navigating Financial Advisors


35:56 Retirement Planning Insights


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]]> Don McDonald 8aa636a4-2eb4-11f1-b6ec-8f6a7a01f3f4 Wed, 22 Jan 2025 15:41:00 -0500 2403 false Money Talkin' Bros Money Talkin' Bros

2:18 Getting to Know Joe Saul-Sehy


8:21 Transitioning to Teaching and Broadcasting


12:30 Exploring Stacking Benjamins Topics


18:50 Understanding Speculation vs. Investment


23:57 Upcoming Talk at RetireMeet


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2:18 Getting to Know Joe Saul-Sehy


8:21 Transitioning to Teaching and Broadcasting


12:30 Exploring Stacking Benjamins Topics


18:50 Understanding Speculation vs. Investment


23:57 Upcoming Talk at RetireMeet


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]]> Don McDonald 86f804ec-2eb4-11f1-b6ec-3b2e011c82bd Tue, 21 Jan 2025 16:46:55 -0500 1897 false Day of Q (and A) Day of Q (and A)

2:05 Pension Account Insights


8:10 Transitioning Investment Accounts


10:16 Holiday Scam Awareness


15:35 Whole Life Policy Concerns


19:09 Cryptocurrency and Crime


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2:05 Pension Account Insights


8:10 Transitioning Investment Accounts


10:16 Holiday Scam Awareness


15:35 Whole Life Policy Concerns


19:09 Cryptocurrency and Crime


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]]> Don McDonald d0aedfa2-2eb4-11f1-b6ec-b345155b7c30 Fri, 17 Jan 2025 14:57:53 -0500 1360 false Disagree with Dave Disagree with Dave

3:16 Critique of Dave Ramsey's Advice


3:25 Importance of Social Security Decisions


5:34 The Impact of Life Expectancy


7:17 Understanding Social Security Payments


10:12 Common Reasons for Early Withdrawal


12:48 Strategies for Maximizing Benefits


13:37 Transition to Listener Questions


18:54 Question on Roth IRA Eligibility


21:48 Medallion Signature Issues


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3:16 Critique of Dave Ramsey's Advice


3:25 Importance of Social Security Decisions


5:34 The Impact of Life Expectancy


7:17 Understanding Social Security Payments


10:12 Common Reasons for Early Withdrawal


12:48 Strategies for Maximizing Benefits


13:37 Transition to Listener Questions


18:54 Question on Roth IRA Eligibility


21:48 Medallion Signature Issues


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]]> Don McDonald 8c4414fe-2eb4-11f1-b6ec-2b7f7f434f12 Thu, 16 Jan 2025 13:43:22 -0500 1531 false Reverse 60/40? Reverse 60/40?

0:20 Vanguard's Changing Approach


0:26 Stock and Bond Ratios Explored


1:57 The Trouble with Market Timing


2:38 Vanguard's Advice: A Shift in Strategy


3:40 The 60-40 Portfolio Debate


4:34 Caller Insights: 401k Strategies


5:17 Building a Portfolio for the Future


7:27 Target Date Funds vs. Index Funds


14:13 Streaming Financial Education


14:45 Accessing Financial Conferences


15:51 The Importance of In-Person Events


18:30 Evaluating Mortgage Payoff Decisions


19:41 Navigating Social Security Benefits


32:49 Simplifying Investment Strategies for New Investors


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0:20 Vanguard's Changing Approach


0:26 Stock and Bond Ratios Explored


1:57 The Trouble with Market Timing


2:38 Vanguard's Advice: A Shift in Strategy


3:40 The 60-40 Portfolio Debate


4:34 Caller Insights: 401k Strategies


5:17 Building a Portfolio for the Future


7:27 Target Date Funds vs. Index Funds


14:13 Streaming Financial Education


14:45 Accessing Financial Conferences


15:51 The Importance of In-Person Events


18:30 Evaluating Mortgage Payoff Decisions


19:41 Navigating Social Security Benefits


32:49 Simplifying Investment Strategies for New Investors


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]]> Don McDonald 7b50acfc-2eb4-11f1-b6ec-47aadbdb5cc2 Wed, 15 Jan 2025 15:33:00 -0500 2386 false Looking Back Looking Back

5:10 Stock Market Trends and Historical Returns


9:47 Preparing for Future Market Downturns


12:57 Navigating Social Security Benefits


19:31 Buying a New Car: Cash vs. Financing


19:46 The Confusion of Financial Information


23:12 Social Security Planning and Inflation


24:27 Understanding Required Minimum Distributions


29:13 Strategies for Risk Management in Retirement


32:09 Roth Conversions and Tax Planning


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5:10 Stock Market Trends and Historical Returns


9:47 Preparing for Future Market Downturns


12:57 Navigating Social Security Benefits


19:31 Buying a New Car: Cash vs. Financing


19:46 The Confusion of Financial Information


23:12 Social Security Planning and Inflation


24:27 Understanding Required Minimum Distributions


29:13 Strategies for Risk Management in Retirement


32:09 Roth Conversions and Tax Planning


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]]> Don McDonald 8fa8c45a-2eb4-11f1-b6ec-bbfd23de99f0 Tue, 14 Jan 2025 14:49:00 -0500 2353 false Easy Being Wrong Easy Being Wrong

0:32 Introduction to Predictions


3:30 Wall Street's Flawed Forecasts


7:13 The Problem with Market Timing


11:56 Long-Term Investment Strategies


14:52 Understanding Economic Indicators


17:38 Market Trends and Personal Finances


20:18 Universal Savings Accounts Explained


23:33 Retirement and Saving Challenges


23:48 Upcoming Events and Announcements


27:58 Personal Anecdotes and Company Insights


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0:32 Introduction to Predictions


3:30 Wall Street's Flawed Forecasts


7:13 The Problem with Market Timing


11:56 Long-Term Investment Strategies


14:52 Understanding Economic Indicators


17:38 Market Trends and Personal Finances


20:18 Universal Savings Accounts Explained


23:33 Retirement and Saving Challenges


23:48 Upcoming Events and Announcements


27:58 Personal Anecdotes and Company Insights


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]]> Don McDonald 7a52cd26-2eb4-11f1-b6ec-a38a37e2b9ad Mon, 13 Jan 2025 15:49:20 -0500 1856 false A Whole Lot of Qs A Whole Lot of Qs

2:52 Retirement Discrepancies Explained


5:08 Understanding Collective Investment Trusts


9:01 Holding Funds for Roth Contributions


11:33 Top Five ETFs Revealed


14:42 Options Beyond Roth IRAs


17:38 Evaluating Active vs. Passive Management


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2:52 Retirement Discrepancies Explained


5:08 Understanding Collective Investment Trusts


9:01 Holding Funds for Roth Contributions


11:33 Top Five ETFs Revealed


14:42 Options Beyond Roth IRAs


17:38 Evaluating Active vs. Passive Management


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]]> Don McDonald 7a25f3aa-2eb4-11f1-b6ec-0bfd56067276 Fri, 10 Jan 2025 15:31:52 -0500 1626 false Greater Financial Clarity Greater Financial Clarity

1:58 Market Trends of 2024


3:44 Federal Reserve Decisions and Predictions


6:38 Global Economic Factors


8:19 The Rise of Cryptocurrency


11:08 Corporate Dominance and AI


13:22 Investment Strategies for 2025


15:23 Listener Questions and Financial Advice


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1:58 Market Trends of 2024


3:44 Federal Reserve Decisions and Predictions


6:38 Global Economic Factors


8:19 The Rise of Cryptocurrency


11:08 Corporate Dominance and AI


13:22 Investment Strategies for 2025


15:23 Listener Questions and Financial Advice


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]]> Don McDonald 7d9933bc-2eb4-11f1-b6ec-4b12ddb22af2 Thu, 09 Jan 2025 15:27:50 -0500 1630 false Take a Pass on Pitches Take a Pass on Pitches

1:35 The Problem with Financial Pitches


3:43 The Rise of ETFs


5:55 The Bitcoin ETF Concern


11:21 Insurance Strategies and Tips


14:12 The Importance of Investment Vehicles


16:22 Transitioning from Robo-Advisors


25:00 Managing Cash Positions in Portfolios


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1:35 The Problem with Financial Pitches


3:43 The Rise of ETFs


5:55 The Bitcoin ETF Concern


11:21 Insurance Strategies and Tips


14:12 The Importance of Investment Vehicles


16:22 Transitioning from Robo-Advisors


25:00 Managing Cash Positions in Portfolios


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]]> Don McDonald 4afb459e-2eb4-11f1-b6ec-ffbe6845518a Wed, 08 Jan 2025 17:02:20 -0500 2392 false New Opportunities New Opportunities

2:40 New Year, New Financial Resolutions


5:16 Setting Concrete Financial Goals


8:41 Strategies for Financial Success


14:11 Listener Questions and Financial Advice


15:26 Planning Retirement Income Streams


17:32 Managing Fixed Income Investments


28:49 Consolidating Retirement Accounts


35:35 Vanguard Proxy Voting Discussion


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2:40 New Year, New Financial Resolutions


5:16 Setting Concrete Financial Goals


8:41 Strategies for Financial Success


14:11 Listener Questions and Financial Advice


15:26 Planning Retirement Income Streams


17:32 Managing Fixed Income Investments


28:49 Consolidating Retirement Accounts


35:35 Vanguard Proxy Voting Discussion


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]]> Don McDonald cb516728-2eb4-11f1-b6ec-df64d3ffcf0a Tue, 07 Jan 2025 15:05:00 -0500 2383 false Big BetCoin Big BetCoin

0:34 Irrational Exuberance Redux


1:52 The Rise of Bitcoin


3:05 Larry Fink's Shift


5:09 MicroStrategy's Bitcoin Strategy


7:38 The Use Cases of Crypto


9:52 Banking the Unbanked


10:56 The Speculative Nature of Crypto


13:06 401k Plans and Financial Advice


16:45 Returning to Crypto


19:08 The Dark Side of Crypto


19:54 Closing Thoughts and Questions


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0:34 Irrational Exuberance Redux


1:52 The Rise of Bitcoin


3:05 Larry Fink's Shift


5:09 MicroStrategy's Bitcoin Strategy


7:38 The Use Cases of Crypto


9:52 Banking the Unbanked


10:56 The Speculative Nature of Crypto


13:06 401k Plans and Financial Advice


16:45 Returning to Crypto


19:08 The Dark Side of Crypto


19:54 Closing Thoughts and Questions


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]]> Don McDonald 8cd4fdac-2eb4-11f1-b6ec-db3aa908feaa Mon, 06 Jan 2025 15:57:01 -0500 1364 false Old is New Old is New

0:51 New Year, New Perspectives


3:09 Economic Concerns and President Trump's Inauguration


6:46 Investment Strategies for Baby Boomers


7:49 Listener Questions Begin


19:10 Transition to Investment Accounts


21:02 Time Shifting and Quantum Radio


21:29 Diversifying Your Assets


28:40 Real Estate Investment Trusts (REITs)


29:10 Taxes and Moving Abroad


37:57 Fiduciary Responsibilities and Conflicts


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0:51 New Year, New Perspectives


3:09 Economic Concerns and President Trump's Inauguration


6:46 Investment Strategies for Baby Boomers


7:49 Listener Questions Begin


19:10 Transition to Investment Accounts


21:02 Time Shifting and Quantum Radio


21:29 Diversifying Your Assets


28:40 Real Estate Investment Trusts (REITs)


29:10 Taxes and Moving Abroad


37:57 Fiduciary Responsibilities and Conflicts


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]]> Don McDonald 5ea5c38a-2eb4-11f1-b6ec-1b909b7f408a Fri, 03 Jan 2025 15:51:00 -0500 2328 false Paying for Retirement Paying for Retirement

0:33 Retirement Income Strategies


2:53 Navigating Social Security Decisions


5:43 Understanding Withdrawal Strategies


12:13 The Importance of Flexibility


14:46 Seeking Professional Guidance


19:36 The Power of Lump Sum Payments


22:49 Control Over Your Money


25:00 Evaluating Investment Options


32:13 Considering Annuities


37:12 Building a Sustainable Portfolio


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0:33 Retirement Income Strategies


2:53 Navigating Social Security Decisions


5:43 Understanding Withdrawal Strategies


12:13 The Importance of Flexibility


14:46 Seeking Professional Guidance


19:36 The Power of Lump Sum Payments


22:49 Control Over Your Money


25:00 Evaluating Investment Options


32:13 Considering Annuities


37:12 Building a Sustainable Portfolio


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]]> Don McDonald 87c72a24-2eb4-11f1-b6ec-2bd7509bed6f Thu, 02 Jan 2025 14:54:15 -0500 2394 false Gen anXious Gen anXious

0:31 Gen X Retirement Worries


2:02 Baby Boomers and Retirement Realities


5:21 Starting Late but Not Too Late


8:52 The Social Security Dilemma


9:55 The Importance of Flexibility


11:12 Taking the First Step


11:59 Listener Questions Begin


15:28 Understanding Advisor Fee Structures


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0:31 Gen X Retirement Worries


2:02 Baby Boomers and Retirement Realities


5:21 Starting Late but Not Too Late


8:52 The Social Security Dilemma


9:55 The Importance of Flexibility


11:12 Taking the First Step


11:59 Listener Questions Begin


15:28 Understanding Advisor Fee Structures


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]]> Don McDonald 8005a13a-2eb4-11f1-b6ec-cf5bdc254553 Mon, 30 Dec 2024 17:39:37 -0500 1512 false Not So Safe Not So Safe

14:12 The Risks of CDs and Annuities


19:31 Gambling vs. Investing


31:16 Retirement Planning Essentials


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14:12 The Risks of CDs and Annuities


19:31 Gambling vs. Investing


31:16 Retirement Planning Essentials


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]]> Don McDonald 855617a0-2eb4-11f1-b6ec-3736659c9f76 Fri, 27 Dec 2024 12:16:38 -0500 2385 false Skip This Party Skip This Party

0:57 Holiday Cheer and Investment Fears


4:02 Wall Street's Private Party Invitation


5:09 The Costly Alternative Investments


5:53 Confusion in Alternative Investments


11:55 Social Security Changes Ahead


14:21 Finding the Right Financial Advisor


19:45 Understanding the ADV Form


25:10 Red Flags in Financial Firms


33:55 Rebalancing Your Investment Portfolio


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0:57 Holiday Cheer and Investment Fears


4:02 Wall Street's Private Party Invitation


5:09 The Costly Alternative Investments


5:53 Confusion in Alternative Investments


11:55 Social Security Changes Ahead


14:21 Finding the Right Financial Advisor


19:45 Understanding the ADV Form


25:10 Red Flags in Financial Firms


33:55 Rebalancing Your Investment Portfolio


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]]> Don McDonald 9106e4e4-2eb4-11f1-b6ec-2f62222cf3bf Thu, 26 Dec 2024 16:30:38 -0500 2375 false Ripping You Off Ripping You Off

0:35 Intro to Scams


2:52 Recognizing the Scam


6:41 Private Credit Investments


8:19 Risks of Private Debt


14:23 The Complexity of Collateralized Debt


16:21 Investment Rules of Thumb


17:10 Questions on Space Exploration ETFs


21:44 Caution with Primerica


25:53 Year-End Opportunities


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0:35 Intro to Scams


2:52 Recognizing the Scam


6:41 Private Credit Investments


8:19 Risks of Private Debt


14:23 The Complexity of Collateralized Debt


16:21 Investment Rules of Thumb


17:10 Questions on Space Exploration ETFs


21:44 Caution with Primerica


25:53 Year-End Opportunities


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]]> Don McDonald 8b4a2084-2eb4-11f1-b6ec-5f7a3036c9e8 Mon, 23 Dec 2024 14:58:25 -0500 1715 false Pre-Holiday Q and A Pre-Holiday Q and A

2:59 Bond Funds vs. Individual Bonds


6:02 Starting a Custodial Roth IRA


7:55 Building a Taxable Bond Hedge


10:57 Rebalancing in Retirement


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2:59 Bond Funds vs. Individual Bonds


6:02 Starting a Custodial Roth IRA


7:55 Building a Taxable Bond Hedge


10:57 Rebalancing in Retirement


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]]> Don McDonald 963090be-2eb4-11f1-b6ec-57fa30e89c5a Fri, 20 Dec 2024 14:57:02 -0500 1057 false Why Own Bonds? Why Own Bonds?

0:33 The Quest for Income


2:02 The Risks of Reaching for Yield


3:35 Investing in Bond Funds


6:24 Understanding High-Yield Bonds


8:41 The Quality of Bond Investments


11:09 Rethinking Fixed Income Strategies


13:03 Active vs. Passive Management


14:02 Retirement Planning Insights


15:52 Choosing a 529 Plan


19:12 Pursuing Financial Credentials


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0:33 The Quest for Income


2:02 The Risks of Reaching for Yield


3:35 Investing in Bond Funds


6:24 Understanding High-Yield Bonds


8:41 The Quality of Bond Investments


11:09 Rethinking Fixed Income Strategies


13:03 Active vs. Passive Management


14:02 Retirement Planning Insights


15:52 Choosing a 529 Plan


19:12 Pursuing Financial Credentials


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]]> Don McDonald c0e6d55c-2eb4-11f1-b6ec-0f9b2b4c7098 Thu, 19 Dec 2024 16:28:58 -0500 1502 false Bonds. Why, Bonds? Bonds. Why, Bonds?

2:07 Understanding Interest Rates and CDs


5:11 Bond Investment Strategies


19:29 Myths About Bonds


20:41 Misconceptions About Bond Funds


24:04 Understanding Risk and Return


30:09 Metals and Investing


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2:07 Understanding Interest Rates and CDs


5:11 Bond Investment Strategies


19:29 Myths About Bonds


20:41 Misconceptions About Bond Funds


24:04 Understanding Risk and Return


30:09 Metals and Investing


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]]> Don McDonald 876f2cde-2eb4-11f1-b6ec-f7598ad138c5 Wed, 18 Dec 2024 14:57:00 -0500 2380 false Retire With Purpose Retire With Purpose

0:56 Retirement Planning and Purpose


5:15 Finding Meaning Beyond Work


6:10 The Value of Part-Time Engagement


9:54 Navigating Retirement Accounts


14:09 Deciding on Roth Conversions


18:30 Market Timing and Investment Strategy


24:32 Understanding Fund Diversification


30:46 Adjusting Portfolio Allocations


34:55 Smart Roth IRA Contributions


37:32 Managing Risk in Retirement Planning


41:38 Choosing the Right Financial Advisor


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0:56 Retirement Planning and Purpose


5:15 Finding Meaning Beyond Work


6:10 The Value of Part-Time Engagement


9:54 Navigating Retirement Accounts


14:09 Deciding on Roth Conversions


18:30 Market Timing and Investment Strategy


24:32 Understanding Fund Diversification


30:46 Adjusting Portfolio Allocations


34:55 Smart Roth IRA Contributions


37:32 Managing Risk in Retirement Planning


41:38 Choosing the Right Financial Advisor


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]]> Don McDonald 8e7c928c-2eb4-11f1-b6ec-1fd8df843977 Tue, 17 Dec 2024 16:26:00 -0500 2378 false Tariffs and Investments Tariffs and Investments

2:18 The Impact of Tariffs


3:56 Unpacking Smoot-Hawley


5:07 Market Timing Dilemmas


8:13 Evidence from Professor Horstmeyer


12:19 The Cost of Timing the Market


13:23 The Importance of Diversification


16:38 Annuities and Retirement Plans


18:11 Tax Implications of 403B Plans


19:29 Overthinking Finances


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2:18 The Impact of Tariffs


3:56 Unpacking Smoot-Hawley


5:07 Market Timing Dilemmas


8:13 Evidence from Professor Horstmeyer


12:19 The Cost of Timing the Market


13:23 The Importance of Diversification


16:38 Annuities and Retirement Plans


18:11 Tax Implications of 403B Plans


19:29 Overthinking Finances


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]]> Don McDonald 86296a42-2eb4-11f1-b6ec-e33cf44d43bd Mon, 16 Dec 2024 16:12:38 -0500 1636 false T&D Q&A T&D Q&A

0:27 Welcome to Q&A Day


3:30 I-Bonds and Inflation Protection


6:54 403B Resources and Options


10:41 TSP Withdrawal Strategies


13:39 Vanguard Fee Changes


17:15 Mortgage Recasting Dilemma


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0:27 Welcome to Q&A Day


3:30 I-Bonds and Inflation Protection


6:54 403B Resources and Options


10:41 TSP Withdrawal Strategies


13:39 Vanguard Fee Changes


17:15 Mortgage Recasting Dilemma


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]]> Don McDonald 7912ebd0-2eb4-11f1-b6ec-bf5e542bca7e Fri, 13 Dec 2024 11:54:06 -0500 1630 false The Money Talk The Money Talk

0:27 Holiday Season Reflections


1:42 Discussing Money in Families


3:24 Navigating Conversations with Kids


4:47 The Complexity of Financial Discussions


9:43 Strategies for Talking About Money


11:42 Creating a Safe Space for Discussions


14:51 Timing is Everything


15:39 Unique Experiences and Conversations


20:55 Understanding Investment Tools


24:34 Audience Questions and Engagement


26:43 The Cost of Technology


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0:27 Holiday Season Reflections


1:42 Discussing Money in Families


3:24 Navigating Conversations with Kids


4:47 The Complexity of Financial Discussions


9:43 Strategies for Talking About Money


11:42 Creating a Safe Space for Discussions


14:51 Timing is Everything


15:39 Unique Experiences and Conversations


20:55 Understanding Investment Tools


24:34 Audience Questions and Engagement


26:43 The Cost of Technology


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]]> Don McDonald 89763766-2eb4-11f1-b6ec-77f812075c32 Thu, 12 Dec 2024 17:50:24 -0500 1953 false Care vs. Cash Care vs. Cash Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 8055289a-2eb4-11f1-b6ec-979031d39c2d Wed, 11 Dec 2024 17:23:00 -0500 2368 false Time to Sell? Time to Sell?

2:59 Market Valuations: Time to Worry?


5:07 Selling Winners: A Different Approach


7:22 The Lost Decade: Lessons from History


13:45 Global Risks: Beyond the U.S. Market


22:05 Target Date Funds: Pros and Cons


32:54 Advisor Shopping: Finding the Right Fit


36:52 Retirement Planning: G Fund Concerns


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2:59 Market Valuations: Time to Worry?


5:07 Selling Winners: A Different Approach


7:22 The Lost Decade: Lessons from History


13:45 Global Risks: Beyond the U.S. Market


22:05 Target Date Funds: Pros and Cons


32:54 Advisor Shopping: Finding the Right Fit


36:52 Retirement Planning: G Fund Concerns


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]]> Don McDonald 8cea1eda-2eb4-11f1-b6ec-3bf6d7dbb54f Tue, 10 Dec 2024 14:40:00 -0500 2371 false Holiday Hustlers Holiday Hustlers

0:10 Scams During the Holiday Season


2:39 Smart vs. Stupid Scammers


6:32 Phone Scams: Who to Trust?


7:54 Recent Scams and Ponzi Schemes


10:07 Believing in Scams


10:59 Trust No One


15:16 Protecting Yourself Online


19:56 Investment Questions from Listeners


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0:10 Scams During the Holiday Season


2:39 Smart vs. Stupid Scammers


6:32 Phone Scams: Who to Trust?


7:54 Recent Scams and Ponzi Schemes


10:07 Believing in Scams


10:59 Trust No One


15:16 Protecting Yourself Online


19:56 Investment Questions from Listeners


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]]> Don McDonald 368af960-2eb4-11f1-b6ec-abf68f3dc64e Mon, 09 Dec 2024 15:55:50 -0500 1504 false Fri-Day-o'-Qs Fri-Day-o'-Qs

2:15 Separately Managed Accounts Discussion


4:04 Exploring Real Estate Investments


7:03 Dividend Income vs. Selling ETF Shares


12:41 Total Return Strategy Explained


17:33 Asset Allocation Insights


19:42 Personal Investment Strategies Revealed


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]]>

2:15 Separately Managed Accounts Discussion


4:04 Exploring Real Estate Investments


7:03 Dividend Income vs. Selling ETF Shares


12:41 Total Return Strategy Explained


17:33 Asset Allocation Insights


19:42 Personal Investment Strategies Revealed


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]]> Don McDonald 85c85cf2-2eb4-11f1-b6ec-5b7527241199 Fri, 06 Dec 2024 16:24:00 -0500 1451 false Investing Backward Investing Backward

0:25 Start at the End


2:18 Understanding Your Spending


7:24 Importance of Knowing Your Spend


14:27 Begin Your Retirement Journey


16:14 Questions from Listeners


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0:25 Start at the End


2:18 Understanding Your Spending


7:24 Importance of Knowing Your Spend


14:27 Begin Your Retirement Journey


16:14 Questions from Listeners


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]]> Don McDonald 9432389e-2eb4-11f1-b6ec-5f3af192d14d Fri, 06 Dec 2024 11:19:57 -0500 1595 false Investor Gratitude Investor Gratitude

2:21 Ten Reasons to Be a Thankful Investor


8:01 The State of the U.S. Economy


9:12 Reflections on the Recent Election


10:05 Financial System Stability


13:35 The Art of Excess


14:58 The Impact of AI


16:21 Value in Asset Classes


28:48 Speculation and Risk


32:23 Managing IRA Investments


36:01 Strategies for Successful Investing


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]]>

2:21 Ten Reasons to Be a Thankful Investor


8:01 The State of the U.S. Economy


9:12 Reflections on the Recent Election


10:05 Financial System Stability


13:35 The Art of Excess


14:58 The Impact of AI


16:21 Value in Asset Classes


28:48 Speculation and Risk


32:23 Managing IRA Investments


36:01 Strategies for Successful Investing


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]]> Don McDonald 77a4a392-2eb4-11f1-b6ec-4ba139f17502 Wed, 04 Dec 2024 16:44:00 -0500 2345 false US High, Them Low? US High, Them Low?

4:52 International vs. U.S. Investments


12:43 Planning for Retirement Taxes


14:13 The Importance of Financial Advisors


16:48 Wills and Family Dynamics


19:24 Money Matters in Legacy Planning


21:18 Historical Perspectives on Wealth


23:30 Lessons from U.S. Presidents


29:42 Insights from "All the President's Money"


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]]>

4:52 International vs. U.S. Investments


12:43 Planning for Retirement Taxes


14:13 The Importance of Financial Advisors


16:48 Wills and Family Dynamics


19:24 Money Matters in Legacy Planning


21:18 Historical Perspectives on Wealth


23:30 Lessons from U.S. Presidents


29:42 Insights from "All the President's Money"


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]]> Don McDonald cdac332c-2eb4-11f1-b6ec-b3fa96dac149 Tue, 03 Dec 2024 13:11:00 -0500 2444 false Bad Markets Are Unpredictable Bad Markets Are Unpredictable

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


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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


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]]> Don McDonald 79713c12-2eb4-11f1-b6ec-53b8ff4da2df Wed, 27 Nov 2024 14:23:28 -0500 2330 false Good Advice is Rare Good Advice is Rare

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


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]]>

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


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]]> Don McDonald 5102f482-2eb4-11f1-b6ec-539af72e07ef Tue, 26 Nov 2024 15:44:00 -0500 2270 false Fed's Limits Fed's Limits

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


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]]>

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


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]]> Don McDonald 935e394a-2eb4-11f1-b6ec-5b10f8359650 Tue, 26 Nov 2024 14:59:22 -0500 1830 false Tom + Roxy + Qs Tom + Roxy + Qs

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


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]]>

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


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]]> Don McDonald c22afc36-2eb4-11f1-b6ec-4bd599ab14c5 Fri, 22 Nov 2024 12:33:36 -0500 1489 false Even Bad Ones Worked Even Bad Ones Worked

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


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]]>

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


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]]> Don McDonald c4319f6c-2eb4-11f1-b6ec-e313f831adb9 Wed, 20 Nov 2024 15:18:00 -0500 2337 false Oracle of Omaha Timing? Oracle of Omaha Timing?

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


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]]>

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


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]]> Don McDonald 866bf754-2eb4-11f1-b6ec-cfbdef525efe Tue, 19 Nov 2024 16:59:00 -0500 2377 false What's in Your Wallet? What's in Your Wallet?

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.


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]]>

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.


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]]> Don McDonald 8743bd10-2eb4-11f1-b6ec-cb6e63fdc45b Mon, 18 Nov 2024 16:46:43 -0500 1843 false Don Answers More Don Answers More

4:13 Non-Qualified Annuities Explained


9:37 Roth Contributions and Eligibility


12:01 Preparing for Retirement Gaps


16:48 Diversifying Your Investments


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]]>

4:13 Non-Qualified Annuities Explained


9:37 Roth Contributions and Eligibility


12:01 Preparing for Retirement Gaps


16:48 Diversifying Your Investments


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]]> Don McDonald 53d4edf0-2eb4-11f1-b6ec-27a3bd3f3ebb Fri, 15 Nov 2024 15:44:27 -0500 1336 false Myth, Lies, and Mistakes Part 2 Myth, Lies, and Mistakes Part 2

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


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]]>

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


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]]> Don McDonald 3b8b08ce-2eb4-11f1-b6ec-e78ea97a1cfe Thu, 14 Nov 2024 16:28:20 -0500 1210 false Myths, Lies, and Mistakes 1-5 Myths, Lies, and Mistakes 1-5

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


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]]>

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


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]]> Don McDonald 39e95188-2eb4-11f1-b6ec-1f0a78322a20 Wed, 13 Nov 2024 17:36:00 -0500 1237 false Real (Estate) Returns? Real (Estate) Returns?

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


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]]>

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


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]]> Don McDonald 880a45fc-2eb4-11f1-b6ec-2f81c4e53083 Tue, 12 Nov 2024 16:10:54 -0500 1280 false Safety Specters Safety Specters

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


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]]>

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


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]]> Don McDonald c9c51b52-2eb4-11f1-b6ec-83cb3a1224ae Mon, 11 Nov 2024 15:51:11 -0500 1512 false More Friday Questions More Friday Questions

2:07 Converting Traditional IRA to Roth


7:32 Simplifying Financial Jargon


10:45 Roth 401k Allocation Advice


13:53 Evaluating the Stash App


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]]>

2:07 Converting Traditional IRA to Roth


7:32 Simplifying Financial Jargon


10:45 Roth 401k Allocation Advice


13:53 Evaluating the Stash App


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]]> Don McDonald 7ae2dc2c-2eb4-11f1-b6ec-23832f047e67 Fri, 08 Nov 2024 16:18:00 -0500 1330 false Market Melancholy Market Melancholy

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


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]]>

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


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]]> Don McDonald 4e01ba48-2eb4-11f1-b6ec-e7a00c03a084 Thu, 07 Nov 2024 16:41:32 -0500 1439 false Bona Fides Fibbers Bona Fides Fibbers

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


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]]>

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


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]]> Don McDonald ce912ae0-2eb4-11f1-b6ec-b30f7ac94fe7 Wed, 06 Nov 2024 14:25:25 -0500 2347 false Ridiculous Risks Ridiculous Risks

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


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]]>

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


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]]> Don McDonald 7cb2af50-2eb4-11f1-b6ec-bb15aa5d84f7 Tue, 05 Nov 2024 14:56:46 -0500 2339 false Hearing from Haters Hearing from Haters

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


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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


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]]> Don McDonald 7e995328-2eb4-11f1-b6ec-af407deed9aa Mon, 04 Nov 2024 17:42:33 -0500 1409 false How Do You Pay 'Em? How Do You Pay 'Em? 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


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]]> 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


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]]> Don McDonald 35c3307e-2eb4-11f1-b6ec-e76514ab8cee Thu, 31 Oct 2024 16:59:44 -0400 1604 false Advisor Makes More? Advisor Makes More?

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


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]]>

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


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]]> Don McDonald 8d30afbc-2eb4-11f1-b6ec-0badb5fcd6c7 Wed, 30 Oct 2024 18:17:00 -0400 2376 false Pension Envy Pension Envy

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


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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


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]]> Don McDonald 7af9284c-2eb4-11f1-b6ec-e72667a7d74a Tue, 29 Oct 2024 15:57:24 -0400 2370 false Crypto Creeps Crypto Creeps

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.


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]]>

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.


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]]> Don McDonald 7ce41612-2eb4-11f1-b6ec-0b3065a8c9a8 Mon, 28 Oct 2024 16:42:47 -0400 1438 false A Few More Questions A Few More Questions

1:30 Bond Investment Questions


6:00 Understanding Bond Market Fluctuations


9:30 Schwab Intelligent Income Explained


12:09 Transitioning to Vanguard Roth IRA


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]]>

1:30 Bond Investment Questions


6:00 Understanding Bond Market Fluctuations


9:30 Schwab Intelligent Income Explained


12:09 Transitioning to Vanguard Roth IRA


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]]> Don McDonald 2e656c2a-2eb4-11f1-b6ec-27c28fc528a5 Fri, 25 Oct 2024 14:24:00 -0400 1148 false We Want It All We Want It All

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


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]]>

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


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]]> Don McDonald 3e3b9a20-2eb4-11f1-b6ec-fb1fe925452d Thu, 24 Oct 2024 16:30:00 -0400 2387 false Bull's Second B'Day Bull's Second B'Day

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


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]]>

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


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]]> Don McDonald 9150564c-2eb4-11f1-b6ec-a3c6643ca50d Wed, 23 Oct 2024 16:42:00 -0400 2374 false Your Qs and Don's As Your Qs and Don's As

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


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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


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]]> Don McDonald ac6ac282-2eb4-11f1-b6ec-ff386255e220 Fri, 18 Oct 2024 18:21:40 -0400 1200 false Death Insurance Needed? Death Insurance Needed?

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?


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]]>

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?


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]]> Don McDonald 8e62b2d6-2eb4-11f1-b6ec-8ff27001086d Thu, 17 Oct 2024 14:21:00 -0400 2556 false Stocks or Hurricanes? Stocks or Hurricanes?

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


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]]>

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


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]]> Don McDonald c1f971ac-2eb4-11f1-b6ec-6b3c97f1443e Wed, 16 Oct 2024 17:05:00 -0400 2318 false Extinction Event? Extinction Event?

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


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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


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]]> Don McDonald 5526764c-2eb4-11f1-b6ec-db1cc6a5c971 Tue, 15 Oct 2024 16:55:23 -0400 1379 false Four Qs for You Four Qs for You

3:54 Question on 529 Plans


5:15 401k Considerations


6:57 Retirement Saving Strategies


9:46 ETFs and Fair Valuation


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]]>

3:54 Question on 529 Plans


5:15 401k Considerations


6:57 Retirement Saving Strategies


9:46 ETFs and Fair Valuation


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]]> Don McDonald 44521682-2eb4-11f1-b6ec-1f16a895c531 Fri, 11 Oct 2024 16:47:14 -0400 1105 false Investing Innovations? Investing Innovations?

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


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]]>

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


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]]> Don McDonald 3a35d27e-2eb4-11f1-b6ec-0781ad796a1a Thu, 10 Oct 2024 16:33:01 -0400 1551 false Strange Return Boosters Strange Return Boosters

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


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]]>

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


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]]> Don McDonald 96dbfa9e-2eb4-11f1-b6ec-5fd0c1777723 Wed, 09 Oct 2024 14:54:45 -0400 2624 false Index Imperfections Index Imperfections

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


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]]>

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


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]]> Don McDonald 7ddb72ea-2eb4-11f1-b6ec-fb0a1e9f0c9f Tue, 08 Oct 2024 12:41:00 -0400 2492 false Bet on the Best? Bet on the Best?

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


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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


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]]> Don McDonald 872ab5ea-2eb4-11f1-b6ec-9f23caccf12a Mon, 07 Oct 2024 16:03:32 -0400 1266 false Another Week of Qs Another Week of Qs

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


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]]>

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


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]]> Don McDonald 48de4536-2eb4-11f1-b6ec-17a0266cba1a Fri, 04 Oct 2024 16:49:42 -0400 1311 false Social Security Strategies Social Security Strategies

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


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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


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]]> Don McDonald 7e254550-2eb4-11f1-b6ec-873b91cdd296 Thu, 03 Oct 2024 17:40:19 -0400 1223 false Neglecting Your Cash? Neglecting Your Cash?

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


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]]>

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


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]]> Don McDonald 8ba026aa-2eb4-11f1-b6ec-5b88e49e27e0 Wed, 02 Oct 2024 16:47:00 -0400 2526 false Predictive Powers? Predictive Powers?

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


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]]>

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


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]]> Don McDonald cf875e42-2eb4-11f1-b6ec-3b5b37d6f8b0 Tue, 01 Oct 2024 17:05:00 -0400 2416 false Special Investments? Special Investments?

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


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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


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]]> Don McDonald 8be5cc46-2eb4-11f1-b6ec-e32ccebe32f1 Mon, 30 Sep 2024 16:34:21 -0400 1109 false Friday in Florida Friday in Florida

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


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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


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]]> Don McDonald 7fabfa22-2eb4-11f1-b6ec-f790014b0603 Fri, 27 Sep 2024 17:50:49 -0400 1285 false Sizzle to Fizzle Sizzle to Fizzle

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


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]]>

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


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]]> Don McDonald d00de782-2eb4-11f1-b6ec-c778afec1ed2 Thu, 26 Sep 2024 15:59:31 -0400 1404 false Really Need Insurance? Really Need Insurance?

1:05 Misleading Money Media


2:47Who Needs Life Insurance?


9:40Annuity Sales Grew


11:03Move to a TAP Annuity?


19:31How Long Will You Live?


25:22 Buy Bitcoin to Afford a Home?


35:17 Small Cap Annual Returns


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]]>

1:05 Misleading Money Media


2:47Who Needs Life Insurance?


9:40Annuity Sales Grew


11:03Move to a TAP Annuity?


19:31How Long Will You Live?


25:22 Buy Bitcoin to Afford a Home?


35:17 Small Cap Annual Returns


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]]> Don McDonald 8aff88d0-2eb4-11f1-b6ec-53f1ae96d67b Wed, 25 Sep 2024 14:23:00 -0400 2656 false Lower Interest Impact Lower Interest Impact

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


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]]>

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


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]]> Don McDonald 850cf502-2eb4-11f1-b6ec-cbe2a75fec31 Tue, 24 Sep 2024 18:01:00 -0400 2547 false Do We Need More ETFs? Do We Need More ETFs?

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


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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


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]]> Don McDonald 83bb90f0-2eb4-11f1-b6ec-7b5588c279ca Mon, 23 Sep 2024 14:02:00 -0400 2497 false Typical Investing? Typical Investing?

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


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]]>

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


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]]> Don McDonald 3ffbae5e-2eb4-11f1-b6ec-777efee30af8 Mon, 16 Sep 2024 20:33:47 -0400 1692 false Tom and Roxy Q Tom and Roxy Q

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


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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


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]]> Don McDonald 35d803c8-2eb4-11f1-b6ec-aff84fe90ace Fri, 13 Sep 2024 19:08:33 -0400 1203 false Still Make Cents? Still Make Cents?

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


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]]>

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


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]]> Don McDonald 4898e9b4-2eb4-11f1-b6ec-a78d91c33e1a Thu, 12 Sep 2024 19:44:00 -0400 1594 false Invest in Elections? Invest in Elections?

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


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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


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]]> Don McDonald 8b8a17f2-2eb4-11f1-b6ec-67656e40371f Wed, 11 Sep 2024 19:13:00 -0400 2470 false High Yield's Price High Yield's Price

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


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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


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]]> Don McDonald 8d8bc686-2eb4-11f1-b6ec-4756c539af67 Tue, 10 Sep 2024 20:16:00 -0400 2507 false Election Effects Election Effects

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


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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


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]]> Don McDonald 7b3a92c8-2eb4-11f1-b6ec-dfa228bb66aa Mon, 09 Sep 2024 20:32:46 -0400 1252 false A (Very) Few Qs A (Very) Few Qs
2:20 Retirement Lump Sum Concerns

4:28 Transitioning Investment Accounts

6:58 Disclaimers and Financial Advice


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2:20 Retirement Lump Sum Concerns

4:28 Transitioning Investment Accounts

6:58 Disclaimers and Financial Advice


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]]> Don McDonald 2f3d79f8-2eb4-11f1-b6ec-03ff28458e0d Fri, 06 Sep 2024 12:23:27 -0400 747 false High Return Dangers High Return Dangers

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


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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


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]]> Don McDonald acd8226e-2eb4-11f1-b6ec-93a04bb5a154 Thu, 05 Sep 2024 19:21:00 -0400 2543 false Reached the TIPping Point Reached the TIPping Point
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?


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]]>
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?


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]]> Don McDonald 321b9286-2eb4-11f1-b6ec-9bedfdc01623 Wed, 04 Sep 2024 20:58:00 -0400 2000 false Your "Magic" Number? Your "Magic" Number?

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



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]]>

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



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]]> Don McDonald 91cc06d4-2eb4-11f1-b6ec-67d6f34053be Tue, 03 Sep 2024 19:59:46 -0400 1522 false A Few Questions for Don A Few Questions for Don

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


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]]>

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


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]]> Don McDonald 57576b24-2eb4-11f1-b6ec-db3ccf847309 Fri, 30 Aug 2024 20:19:18 -0400 1572 false Buy and Sell Automatically Buy and Sell Automatically

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


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]]>

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


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]]> Don McDonald 4f9c4eb8-2eb4-11f1-b6ec-d3f7c5cfe3e5 Thu, 29 Aug 2024 21:05:58 -0400 1462 false Misleading Headlines Misleading Headlines

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


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]]>

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


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]]> Don McDonald 95d0f5f0-2eb4-11f1-b6ec-5ffce21f77e5 Wed, 28 Aug 2024 16:13:00 -0400 2503 false Your Own Worst Enemy Your Own Worst Enemy

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


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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


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]]> Don McDonald 894475f0-2eb4-11f1-b6ec-8f27ee03c484 Wed, 28 Aug 2024 16:05:00 -0400 2575 false Questions for Tom & Roxy Questions for Tom & Roxy

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


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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


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]]> Don McDonald 8a5f7dcc-2eb4-11f1-b6ec-2fe9dac3508d Fri, 23 Aug 2024 19:41:40 -0400 1823 false Bonds No Longer Bad? Bonds No Longer Bad?

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


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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


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]]> Don McDonald d052db58-2eb4-11f1-b6ec-4bffa814745c Thu, 22 Aug 2024 17:18:40 -0400 1467 false Financial Fortification Financial Fortification

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


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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


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]]> Don McDonald 892993b6-2eb4-11f1-b6ec-97016adabc3a Wed, 21 Aug 2024 17:22:00 -0400 2522 false Home Sales Changes Home Sales Changes

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


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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


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]]> Don McDonald 8f4e6514-2eb4-11f1-b6ec-776d6ec6ccda Tue, 20 Aug 2024 18:29:00 -0400 2589 false Q&A Delay Q&A Delay

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


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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


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]]> Don McDonald 8b73e798-2eb4-11f1-b6ec-7b2540c330ab Mon, 19 Aug 2024 16:43:24 -0400 1106 false Tough Topic Tough Topic

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


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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


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]]> Don McDonald 9236b0e2-2eb4-11f1-b6ec-a779e171ae6c Mon, 19 Aug 2024 16:38:46 -0400 1372 false Index Issues Index Issues

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


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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


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]]> Don McDonald a248dc80-2eb4-11f1-b6ec-0ba5ff829560 Wed, 14 Aug 2024 13:00:00 -0400 2538 false Ultimate Volatility? Ultimate Volatility?

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


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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


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]]> Don McDonald 80f337ce-2eb4-11f1-b6ec-7f6754bb846c Tue, 13 Aug 2024 11:02:00 -0400 2626 false Answers from Chelan Answers from Chelan

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


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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


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]]> Don McDonald cd3dacd6-2eb4-11f1-b6ec-eb26ad7fc8e1 Fri, 09 Aug 2024 14:46:22 -0400 1577 false Fiduciary Rule Falls? Fiduciary Rule Falls?

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


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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


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]]> Don McDonald 362fe048-2eb4-11f1-b6ec-83fa91202a8a Thu, 08 Aug 2024 14:18:25 -0400 1403 false Old Fund Idea Fails Old Fund Idea Fails Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 79c9dcdc-2eb4-11f1-b6ec-c3bcfb2aefa3 Wed, 07 Aug 2024 14:40:00 -0400 2475 false Stocks Stumble Stocks Stumble Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 87844812-2eb4-11f1-b6ec-7f9aa6c0aee8 Tue, 06 Aug 2024 15:16:29 -0400 2550 false Q&A Away Q&A Away

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


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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


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]]> Don McDonald 7d6cca3e-2eb4-11f1-b6ec-ffc1def44b8b Fri, 02 Aug 2024 12:12:24 -0400 1455 false Are You Special? Are You Special?

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


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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


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]]> Don McDonald 7e6a2a12-2eb4-11f1-b6ec-4b6b990ed0d6 Thu, 01 Aug 2024 21:46:56 -0400 1475 false IRAs Losing Billions IRAs Losing Billions

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


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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


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]]> Don McDonald 7eb2286c-2eb4-11f1-b6ec-67bed911beea Wed, 31 Jul 2024 20:52:00 -0400 2440 false Fiscal Fallacies Fiscal Fallacies

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


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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


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]]> Don McDonald 78350590-2eb4-11f1-b6ec-fb9bd6ac5132 Tue, 30 Jul 2024 22:17:00 -0400 2374 false A Tom & Roxy Q&A A Tom & Roxy Q&A

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


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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


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]]> Don McDonald 7d2a6e6e-2eb4-11f1-b6ec-cff293a1d95f Fri, 26 Jul 2024 18:41:09 -0400 1260 false Presidential Preference? Presidential Preference?

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


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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


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]]> Don McDonald 88ef9bde-2eb4-11f1-b6ec-bb30b3abfb4b Thu, 25 Jul 2024 20:53:00 -0400 1711 false On the Road in Wisconsin On the Road in 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


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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


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]]> Don McDonald 77b95792-2eb4-11f1-b6ec-87457c6e8ef0 Wed, 24 Jul 2024 18:51:00 -0400 2507 false More Return Adds Risk More Return Adds Risk

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


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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


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]]> Don McDonald 9137643e-2eb4-11f1-b6ec-9781cb9a09f7 Tue, 23 Jul 2024 20:34:52 -0400 2106 false Leave Nothing? Leave Nothing?

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


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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


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]]> Don McDonald 8d4589fa-2eb4-11f1-b6ec-6b514426eabe Fri, 19 Jul 2024 21:45:28 -0400 1357 false Younger Investors Smarter? Younger Investors Smarter?

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


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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


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]]> Don McDonald 74eeee3c-2eb4-11f1-b6ec-13482664a28b Thu, 18 Jul 2024 19:03:25 -0400 1687 false Why Small Cap Stocks? Why Small Cap Stocks?

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


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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


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]]> Don McDonald 83d44d3e-2eb4-11f1-b6ec-0b43d1c1a132 Wed, 17 Jul 2024 18:47:12 -0400 2543 false Insurance+Investments=Issues Insurance+Investments=Issues

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


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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


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]]> Don McDonald 792b3708-2eb4-11f1-b6ec-c7bc3fb8b8bf Wed, 17 Jul 2024 18:27:00 -0400 2550 false Travelin' Answer Man Travelin' Answer Man

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


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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


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]]> Don McDonald 7882e8dc-2eb4-11f1-b6ec-b36e6d1dc3fe Fri, 12 Jul 2024 16:37:33 -0400 1462 false Another Show with Joe Another Show with Joe

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


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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


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]]> Don McDonald 945da376-2eb4-11f1-b6ec-f7248505647c Thu, 11 Jul 2024 15:14:00 -0400 1873 false Stock Picking Fails Stock Picking Fails

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


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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


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]]> Don McDonald 8abc69f6-2eb4-11f1-b6ec-cfa6387199e8 Wed, 10 Jul 2024 17:58:38 -0400 2521 false Better Berries, Bad Banks Better Berries, Bad Banks

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


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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


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]]> Don McDonald 92a5f664-2eb4-11f1-b6ec-ab666409fe8d Tue, 09 Jul 2024 16:08:38 -0400 2529 false Tom & Roxy Q&A Tom & Roxy Q&A

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


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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


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]]> Don McDonald 78008e46-2eb4-11f1-b6ec-73b8277aec84 Fri, 05 Jul 2024 21:42:36 -0400 1756 false Investing Should Be Dull Investing Should Be Dull

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


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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


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]]> Don McDonald 78ce54b6-2eb4-11f1-b6ec-3b530a92f628 Wed, 03 Jul 2024 13:51:00 -0400 2466 false Five Feels Fine Five Feels Fine

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


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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


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]]> Don McDonald 588a03da-2eb4-11f1-b6ec-ab2d8e9fe80f Tue, 02 Jul 2024 15:37:00 -0400 2401 false While the Tom's Away... While the Tom's Away...

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


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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


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]]> Don McDonald b1d95b70-2eb4-11f1-b6ec-1bdce0c14fa1 Mon, 01 Jul 2024 18:16:42 -0400 1750 false Friday Q's on Saturday Friday Q's on Saturday

1:28 Maximizing Financial Aid Strategy


4:06 Investing in Individual Stocks


7:49 Converting 401k to IRA


11:37 Creating a Glide Path


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1:28 Maximizing Financial Aid Strategy


4:06 Investing in Individual Stocks


7:49 Converting 401k to IRA


11:37 Creating a Glide Path


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]]> Don McDonald c9de0090-2eb4-11f1-b6ec-7b3de7510446 Sat, 29 Jun 2024 18:57:04 -0400 1122 false Gradual Change Gradual Change

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


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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


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]]> Don McDonald 83e91f0c-2eb4-11f1-b6ec-9b4c412114ea Thu, 27 Jun 2024 20:20:57 -0400 1262 false State Retirement Costs State Retirement Costs

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


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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


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]]> Don McDonald 7e824a7a-2eb4-11f1-b6ec-37a50093ae41 Wed, 26 Jun 2024 20:28:00 -0400 2528 false Dumb and Dumber Dumb and Dumber

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


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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


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]]> Don McDonald 79869396-2eb4-11f1-b6ec-9bfa7d3368f9 Tue, 25 Jun 2024 16:37:00 -0400 2576 false Dimensional's Matrix Book Dimensional's Matrix Book

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


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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


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]]> Don McDonald 82c654aa-2eb4-11f1-b6ec-dbf10411c97d Tue, 25 Jun 2024 16:33:00 -0400 1395 false Q&A with Tom & Roxy Q&A with Tom & Roxy

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


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]]>

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


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]]> Don McDonald 6c0b1f3e-2eb4-11f1-b6ec-1bf362d7378b Fri, 21 Jun 2024 16:51:00 -0400 1294 false Emotional Manipulation Emotional Manipulation

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


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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


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]]> Don McDonald c04effa2-2eb4-11f1-b6ec-afa962ff03c8 Thu, 20 Jun 2024 16:46:49 -0400 1455 false Parental Influences Parental Influences

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


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]]>

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


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]]> Don McDonald 56c59442-2eb4-11f1-b6ec-07aa6cbd3bfa Wed, 19 Jun 2024 14:57:00 -0400 2518 false Self-Fulfilling Profits, See? Self-Fulfilling Profits, See?

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


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]]>

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


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]]> Don McDonald 741c995a-2eb4-11f1-b6ec-17bd5f6fa996 Tue, 18 Jun 2024 12:41:00 -0400 2480 false Advisors Lie Advisors Lie

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


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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


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]]> Don McDonald 3603ae92-2eb4-11f1-b6ec-bb5522cea6ef Mon, 17 Jun 2024 14:48:53 -0400 1885 false Don Taking Questions Don Taking Questions

1:45 Listener Experience with Vanguard and Robinhood


5:23 Taking Advantage of Robinhood's Promotion


6:45 Vanguard's New Fees and the $100 Exit Fee


10:08 Annoyance Fees and Pricing Structures


11:47 Exploring Fidelity's Brokerage Link Option


15:01 Historical Perspective on Stock Market Participation


21:18 Invitation to Seek Free Financial Advice and Join the Road Trip


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1:45 Listener Experience with Vanguard and Robinhood


5:23 Taking Advantage of Robinhood's Promotion


6:45 Vanguard's New Fees and the $100 Exit Fee


10:08 Annoyance Fees and Pricing Structures


11:47 Exploring Fidelity's Brokerage Link Option


15:01 Historical Perspective on Stock Market Participation


21:18 Invitation to Seek Free Financial Advice and Join the Road Trip


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]]> Don McDonald d112d9c6-2eb4-11f1-b6ec-2fff72778078 Fri, 14 Jun 2024 17:17:30 -0400 1447 false Rethinking Retirement? Rethinking Retirement?

0:04 Retirement Reflections


21:06 Stock Inclusion Dilemma


22:27 Managing Stock Movements


25:06 Value of Free Financial Help


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0:04 Retirement Reflections


21:06 Stock Inclusion Dilemma


22:27 Managing Stock Movements


25:06 Value of Free Financial Help


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]]> Don McDonald ad633cbe-2eb4-11f1-b6ec-b7d1d333bc7f Thu, 13 Jun 2024 17:46:39 -0400 1756 false Where Ramsey's Wrong Where Ramsey's Wrong

0:04 The Problem with Dave Ramsey's mutual fund advice


5:14 Importance of Second Opinions in Investing


11:21 Retirement Income Strategy and Dividend Reinvestment


16:07 Creating Income in Retirement


21:00 Financial Advice and Misinformation


27:15 Overcoming "Hodgepodge-itis" in Investment Portfolios


31:26 Comparison of Actively Managed and Index Funds


36:57 Caller Plays Back Seat Quarterback


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0:04 The Problem with Dave Ramsey's mutual fund advice


5:14 Importance of Second Opinions in Investing


11:21 Retirement Income Strategy and Dividend Reinvestment


16:07 Creating Income in Retirement


21:00 Financial Advice and Misinformation


27:15 Overcoming "Hodgepodge-itis" in Investment Portfolios


31:26 Comparison of Actively Managed and Index Funds


36:57 Caller Plays Back Seat Quarterback


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]]> Don McDonald c30ec984-2eb4-11f1-b6ec-7b4769868c38 Wed, 12 Jun 2024 15:53:07 -0400 2536 false Seven Serious "Sins" Seven Serious "Sins"

3:30 The Seven Deadly Sins of Wealth Management


14:59 Seeking a Second Opinion


21:05 Not Making Cash the King & Letting Dollars Be Lazy


22:50 The Purpose of Risk in Investing


32:42 Investing as a Means, Not an End


37:24 Importance of Guidance in the Decumulation Phase


38:43 Stop Dreaming, Start Doing


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3:30 The Seven Deadly Sins of Wealth Management


14:59 Seeking a Second Opinion


21:05 Not Making Cash the King & Letting Dollars Be Lazy


22:50 The Purpose of Risk in Investing


32:42 Investing as a Means, Not an End


37:24 Importance of Guidance in the Decumulation Phase


38:43 Stop Dreaming, Start Doing


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]]> Don McDonald abbce0ae-2eb4-11f1-b6ec-cfe9093c1354 Tue, 11 Jun 2024 17:46:33 -0400 2559 false Killer Premiums Killer Premiums

0:04 Midwest Storms and Insurance Costs


1:48 Home and Auto Insurance Rate Increases


4:03 Reinsurance Companies and Rate Hikes


5:23 Factors Impacting Insurance Rates


7:34 Dealing with Scammers and Identity Theft


11:35 Saving Money on Insurance Policies


13:33 Importance of Financial Planning in Retirement


19:19 A Little Chat About Scammers


22:46 Rebalancing and Risk Tolerance in Roth Accounts


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0:04 Midwest Storms and Insurance Costs


1:48 Home and Auto Insurance Rate Increases


4:03 Reinsurance Companies and Rate Hikes


5:23 Factors Impacting Insurance Rates


7:34 Dealing with Scammers and Identity Theft


11:35 Saving Money on Insurance Policies


13:33 Importance of Financial Planning in Retirement


19:19 A Little Chat About Scammers


22:46 Rebalancing and Risk Tolerance in Roth Accounts


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]]> Don McDonald ab781442-2eb4-11f1-b6ec-3f75b1e1a57a Mon, 10 Jun 2024 16:55:41 -0400 1829 false Friday is Question Day Friday is Question Day
1:19 Company Stock Purchase Program Dilemma

4:43 Investing Strategies for a 24-Year-Old

7:06 Listener Input on IPOs and Conservative Fund Options

10:05 Retirement Planning with a Large Investment Portfolio

13:36 Investment Decision for a Late 30s Individual

16:06 Retirement Investment Planning for a 64-Year-Old

19:17 Strategy for Investing Proceeds from Property Sale


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1:19 Company Stock Purchase Program Dilemma

4:43 Investing Strategies for a 24-Year-Old

7:06 Listener Input on IPOs and Conservative Fund Options

10:05 Retirement Planning with a Large Investment Portfolio

13:36 Investment Decision for a Late 30s Individual

16:06 Retirement Investment Planning for a 64-Year-Old

19:17 Strategy for Investing Proceeds from Property Sale


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]]> Don McDonald ce1db0f6-2eb4-11f1-b6ec-4b466d6d0fb5 Fri, 07 Jun 2024 16:39:33 -0400 1622 false Vast Hidden Wealth Vast Hidden Wealth
1:15 Inaccessible Home Equity

2:24 Tempting Yet Tricky Home Equity Options

3:31 Exploring New Financing Frontiers

4:01 The Evolution of Reverse Mortgages

5:07 Weighing the Home Equity Loan Dilemma

6:11 An Unconventional Option: Home Profit Sharing

7:11 Unpacking Home Profit Sharing Terms

8:45 Evaluating Alternative Financing Routes

9:21 Leveraging Home Equity Strategically

10:26 The Dangers of Early Mortgage Payoff

10:43 Knowledge is Key: Understanding Home Equity Options

15:07 Q&A: Understanding Investment Returns

16:09 Insight into Index vs. Personal Returns

17:43 Clarifying Investment Fund Recommendations


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]]>
1:15 Inaccessible Home Equity

2:24 Tempting Yet Tricky Home Equity Options

3:31 Exploring New Financing Frontiers

4:01 The Evolution of Reverse Mortgages

5:07 Weighing the Home Equity Loan Dilemma

6:11 An Unconventional Option: Home Profit Sharing

7:11 Unpacking Home Profit Sharing Terms

8:45 Evaluating Alternative Financing Routes

9:21 Leveraging Home Equity Strategically

10:26 The Dangers of Early Mortgage Payoff

10:43 Knowledge is Key: Understanding Home Equity Options

15:07 Q&A: Understanding Investment Returns

16:09 Insight into Index vs. Personal Returns

17:43 Clarifying Investment Fund Recommendations


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]]> Don McDonald c83fbb5c-2eb4-11f1-b6ec-2bca3584a498 Thu, 06 Jun 2024 17:12:14 -0400 1530 false The Dumb Dow Endures The Dumb Dow Endures
2:02 The Dow Jones Industrial Average

5:23 Financial Second Opinions

10:35 Roth Conversions and Financial Planning

13:45 Trusting Financial Data

16:43 Financial Phone-In Questions

19:11 Vanguard Advisory Service Review

21:01 Managing Inherited IRAs

26:28 Diagnosis: Hodgepodge-itis

27:35 Importance of Financial Planning

33:09 Handling Unexpected Fees

37:59 Talking Real Money Road Trip


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]]>
2:02 The Dow Jones Industrial Average

5:23 Financial Second Opinions

10:35 Roth Conversions and Financial Planning

13:45 Trusting Financial Data

16:43 Financial Phone-In Questions

19:11 Vanguard Advisory Service Review

21:01 Managing Inherited IRAs

26:28 Diagnosis: Hodgepodge-itis

27:35 Importance of Financial Planning

33:09 Handling Unexpected Fees

37:59 Talking Real Money Road Trip


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]]> Don McDonald 79b50532-2eb4-11f1-b6ec-5b898af95c95 Wed, 05 Jun 2024 14:45:00 -0400 2535 false What's Your Happy Price? What's Your Happy Price? 1:00 Money and Happiness
5:31 Second Opinions
12:50 Microphone Woes
27:04 Hodgepodgeitis
37:04 Retirement Account Diversification
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]]> 1:00 Money and Happiness
5:31 Second Opinions
12:50 Microphone Woes
27:04 Hodgepodgeitis
37:04 Retirement Account Diversification
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]]> Don McDonald c44919b2-2eb4-11f1-b6ec-473add4604ed Tue, 04 Jun 2024 15:19:00 -0400 2527 false Your Brain on Money Your Brain on Money 1:02 Understanding the Psychology of Money
2:32 Rethinking Financial Advisor Terminology
3:27 Rise of Financial Therapy Certification
4:17 Impact of Money on Mental Health
7:17 Overcoming Financial Anxiety
10:58 Addressing Financial Concerns & Ideas
14:09 Tips for Managing Investment Emotions
19:27 The Purpose of Life Insurance
20:59 Adjusting Investment Allocation in 401k
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]]> 1:02 Understanding the Psychology of Money
2:32 Rethinking Financial Advisor Terminology
3:27 Rise of Financial Therapy Certification
4:17 Impact of Money on Mental Health
7:17 Overcoming Financial Anxiety
10:58 Addressing Financial Concerns & Ideas
14:09 Tips for Managing Investment Emotions
19:27 The Purpose of Life Insurance
20:59 Adjusting Investment Allocation in 401k
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]]> Don McDonald 7df38790-2eb4-11f1-b6ec-977f143ba725 Mon, 03 Jun 2024 16:07:40 -0400 1615 false New Questions Week New Questions Week

1:52 ETF Purchasing Best Practices


2:53 Avoid Overthinking and Minutiae


5:37 Making Financial Decisions and Pension Options


7:51 Investing Strategy and Career Reset


11:24 Comfort in Financial Decisions


14:45 Long-Term Saving for Family


17:16 Importance of Financial Planning


18:53 Pension Drawing Decision


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1:52 ETF Purchasing Best Practices


2:53 Avoid Overthinking and Minutiae


5:37 Making Financial Decisions and Pension Options


7:51 Investing Strategy and Career Reset


11:24 Comfort in Financial Decisions


14:45 Long-Term Saving for Family


17:16 Importance of Financial Planning


18:53 Pension Drawing Decision


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]]> Don McDonald 827f1c70-2eb4-11f1-b6ec-3fa8984270a2 Fri, 31 May 2024 16:42:22 -0400 1467 false Multi-Level Trading Multi-Level Trading

5:27 Second Opinions and Financial Decisions 


8:49 Learning and Correcting Mistakes


12:37 Multi-Level Marketing and Trading Strategies 


21:04 Warren Buffett's Timeless Advice


25:13 Investigating Ron Blue Investments


32:49 Researching the National Electrical Annuity Plan 


36:38 The Graceland Financial Mystery


39:57 Preparing for College and Paying for It


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5:27 Second Opinions and Financial Decisions 


8:49 Learning and Correcting Mistakes


12:37 Multi-Level Marketing and Trading Strategies 


21:04 Warren Buffett's Timeless Advice


25:13 Investigating Ron Blue Investments


32:49 Researching the National Electrical Annuity Plan 


36:38 The Graceland Financial Mystery


39:57 Preparing for College and Paying for It


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]]> Don McDonald 89a5ed9e-2eb4-11f1-b6ec-7775a4f132ef Thu, 30 May 2024 17:55:30 -0400 2542 false More Investing Mistakes More Investing Mistakes

0:04 Pre-Memorial Day Weekend Banter


4:00 Focus on Investing Mistakes with Christine Benz


4:54 Portfolio Building and Managing Mistakes


18:30 Being Patient vs. Hands-Off Investing


34:40 Discussing American Funds and Expense Ratios


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0:04 Pre-Memorial Day Weekend Banter


4:00 Focus on Investing Mistakes with Christine Benz


4:54 Portfolio Building and Managing Mistakes


18:30 Being Patient vs. Hands-Off Investing


34:40 Discussing American Funds and Expense Ratios


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]]> Don McDonald 90d88720-2eb4-11f1-b6ec-7bba5d27657d Wed, 29 May 2024 16:39:46 -0400 2406 false Don't Trust, Verify Don't Trust, Verify

0:04 The Trust Issue


2:43 Custodians and Fiduciaries


3:12 Finding True Fiduciary Help


3:53 Fee-Only vs Fee-Based


5:43 Various Compensation Models


8:02 Understanding Terminology


10:52 Brokercheck.org Exploration


12:08 Where to Find Trusted Advisors


13:56 Vetting Financial Advisors


15:38 Insurance Companies and Investments 19:30 Dealing with Large Stock Gains


23:13 Dealing with Tax Implications


25:10 Upcoming RetireMeet East Event


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0:04 The Trust Issue


2:43 Custodians and Fiduciaries


3:12 Finding True Fiduciary Help


3:53 Fee-Only vs Fee-Based


5:43 Various Compensation Models


8:02 Understanding Terminology


10:52 Brokercheck.org Exploration


12:08 Where to Find Trusted Advisors


13:56 Vetting Financial Advisors


15:38 Insurance Companies and Investments 19:30 Dealing with Large Stock Gains


23:13 Dealing with Tax Implications


25:10 Upcoming RetireMeet East Event


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]]> Don McDonald a659cf0a-2eb4-11f1-b6ec-afadec1feec6 Tue, 28 May 2024 16:59:56 -0400 1729 false Memorial Day Q&A Memorial Day Q&A
3:15 Seeking a Fee-Only Fiduciary Advisor for Aging Parents

6:24 Uncovering Red Flags in Financial Advisor Disclosures

11:44 Evaluating the Dodge & Cox Income X Bond Fund

12:46 Importance of Reading Form ADVs for Investment Advisory Firms

18:17 The Aftermath of Removing Social Security

19:11 Understanding Mutual Fund Return Reports

21:24 Replacing Vanguard Bond Fund BND with Risky Alternatives


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3:15 Seeking a Fee-Only Fiduciary Advisor for Aging Parents

6:24 Uncovering Red Flags in Financial Advisor Disclosures

11:44 Evaluating the Dodge & Cox Income X Bond Fund

12:46 Importance of Reading Form ADVs for Investment Advisory Firms

18:17 The Aftermath of Removing Social Security

19:11 Understanding Mutual Fund Return Reports

21:24 Replacing Vanguard Bond Fund BND with Risky Alternatives


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]]> Don McDonald 78b5ac7c-2eb4-11f1-b6ec-57d907a16547 Fri, 24 May 2024 16:55:05 -0400 1703 false Affinity Fraud Affinity Fraud

1:16 Affinity Fraud in the Military


3:54 Unveiling Investment Fraud in the Military


11:57 Building Trust in Financial Relationships


14:00 Maintaining Boundaries in Financial Relationships


19:33 Trusting Third-Party Sources for Investment Information


23:43 Retirement and Investment Strategies


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1:16 Affinity Fraud in the Military


3:54 Unveiling Investment Fraud in the Military


11:57 Building Trust in Financial Relationships


14:00 Maintaining Boundaries in Financial Relationships


19:33 Trusting Third-Party Sources for Investment Information


23:43 Retirement and Investment Strategies


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]]> Don McDonald 7f36bbcc-2eb4-11f1-b6ec-43afda5d9d6e Thu, 23 May 2024 16:09:26 -0400 1737 false The Value of Good Advice The Value of Good Advice

3:53 Cost-Effective Implementation and Rebalancing 


6:20 Financial Future and Advisor Second Opinions 


7:16 Asset Location and Withdrawal Strategies


9:00 Hodgepodge-itis and Portfolio Simplification


11:57 The Vanguard Experience


14:30 The Importance of Seeking Advice Early


20:14 Backdoor Roth IRA Strategies


26:15 Hodgepodge-itis Treatment and Financial Future 


28:57 Morningstar Ratings Debunked


31:51 Roth Conversions and Considerations


35:10 Evaluating Investment Fees at Wells Fargo 


36:31 Simplifying Portfolios with TSP


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3:53 Cost-Effective Implementation and Rebalancing 


6:20 Financial Future and Advisor Second Opinions 


7:16 Asset Location and Withdrawal Strategies


9:00 Hodgepodge-itis and Portfolio Simplification


11:57 The Vanguard Experience


14:30 The Importance of Seeking Advice Early


20:14 Backdoor Roth IRA Strategies


26:15 Hodgepodge-itis Treatment and Financial Future 


28:57 Morningstar Ratings Debunked


31:51 Roth Conversions and Considerations


35:10 Evaluating Investment Fees at Wells Fargo 


36:31 Simplifying Portfolios with TSP


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]]> Don McDonald 8cbc8d3a-2eb4-11f1-b6ec-3fef23e26d23 Wed, 22 May 2024 17:01:00 -0400 2525 false Roaring Kitty Returns! Roaring Kitty Returns!

0.54 America's Obsession with New Media and Gurus


1:55 The GameStop Saga Begins


2:43 Reddit's Influence on GameStop Stock


3:33 Lessons from the GameStop Rollercoaster


5:20 Seeking a Second Opinion in Investing


6:19 The Stupidity in Following Stock Recommendations


7:03 GameStop Stock: A Question of Valuation


8:30 The Evolution of the Gaming Industry


8:54 What to Learn from the GameStop Frenzy


9:49 Investing vs. Speculation


12:05 Vanguard's Fiduciary Advisors and Financial Decisions


12:31 Importance of Getting a Second Opinion


15:03 Adjusting Investment Strategy for Retirement


15:31 Vanguard's Changes in Customer Service


16:45 Questioning Vanguard's Decision-Making


21:25 The Significance of Money in Your Life


26:34 Addressing Hodgepodgeitis in Your Investment Portfolio


27:34 Vanguard's Controversial Fee Changes


34:02 Strategies for Protecting Equities After Hours


36:46 The Remarkable Story of Dimensional Funds


38:26 Platforms for Investing: Schwab vs. TD Ameritrade


39:58 Resources and Information at TalkingRealMoney.com


40:49 Important Disclaimer and Legal Information


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]]>

0.54 America's Obsession with New Media and Gurus


1:55 The GameStop Saga Begins


2:43 Reddit's Influence on GameStop Stock


3:33 Lessons from the GameStop Rollercoaster


5:20 Seeking a Second Opinion in Investing


6:19 The Stupidity in Following Stock Recommendations


7:03 GameStop Stock: A Question of Valuation


8:30 The Evolution of the Gaming Industry


8:54 What to Learn from the GameStop Frenzy


9:49 Investing vs. Speculation


12:05 Vanguard's Fiduciary Advisors and Financial Decisions


12:31 Importance of Getting a Second Opinion


15:03 Adjusting Investment Strategy for Retirement


15:31 Vanguard's Changes in Customer Service


16:45 Questioning Vanguard's Decision-Making


21:25 The Significance of Money in Your Life


26:34 Addressing Hodgepodgeitis in Your Investment Portfolio


27:34 Vanguard's Controversial Fee Changes


34:02 Strategies for Protecting Equities After Hours


36:46 The Remarkable Story of Dimensional Funds


38:26 Platforms for Investing: Schwab vs. TD Ameritrade


39:58 Resources and Information at TalkingRealMoney.com


40:49 Important Disclaimer and Legal Information


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]]> Don McDonald ca5c0c24-2eb4-11f1-b6ec-a7d49112faf7 Tue, 21 May 2024 16:13:25 -0400 2541 false Money for Millennials Money for Millennials Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 8821aabc-2eb4-11f1-b6ec-8b70a7827c70 Mon, 20 May 2024 15:23:00 -0400 1784 false Tom and Roxy Qs Tom and Roxy Qs
Social Security spousal benefits.

Moving Emergency Cash

Short-Term Cash Options

Portfolio Diversification

AVGE vs. BND Allocation

Real Estate Sales and Tax Planning


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Social Security spousal benefits.

Moving Emergency Cash

Short-Term Cash Options

Portfolio Diversification

AVGE vs. BND Allocation

Real Estate Sales and Tax Planning


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]]> Don McDonald 814e2206-2eb4-11f1-b6ec-4bda68c04610 Fri, 17 May 2024 16:44:35 -0400 1334 false Retirement Income Evolution Retirement Income Evolution
Why does the actual income from I-Bonds not match the stated rate?

Can income from a court settlement from a stock in an IRA be transferred into the IRA?

Is it better to take retirement income from investments annually, monthly, or as needed?

Looking for a quick portfolio review?

Is it okay to start spending extra money in retirement?



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]]>
Why does the actual income from I-Bonds not match the stated rate?

Can income from a court settlement from a stock in an IRA be transferred into the IRA?

Is it better to take retirement income from investments annually, monthly, or as needed?

Looking for a quick portfolio review?

Is it okay to start spending extra money in retirement?



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]]> Don McDonald 898f8f5e-2eb4-11f1-b6ec-832227d9004f Thu, 16 May 2024 16:26:11 -0400 2502 false They Need Complexity They Need Complexity
He stayed in bonds and lost money, should he stick with them now?

How can current assets be grown to enough to support retirement needs?

Does it make sense to buy a second home on the beach?

How should a very conservative retiree invest retirement funds?


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]]>
He stayed in bonds and lost money, should he stick with them now?

How can current assets be grown to enough to support retirement needs?

Does it make sense to buy a second home on the beach?

How should a very conservative retiree invest retirement funds?


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]]> Don McDonald 31af89a6-2eb4-11f1-b6ec-0f595773ddd0 Wed, 15 May 2024 17:56:00 -0400 2497 false Social Security Sick? Social Security Sick?
What's the best way to reduce taxes on retirement plan distributions?

What can be done to reduce hodgepodgery in a portfolio?


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What's the best way to reduce taxes on retirement plan distributions?

What can be done to reduce hodgepodgery in a portfolio?


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]]> Don McDonald 4be22b76-2eb4-11f1-b6ec-ebed2c49aa94 Tue, 14 May 2024 17:23:11 -0400 1671 false Accentuate the Positive Accentuate the Positive
The possible negative impact that passive investing might have on the stock markets.

The potential tax ramifications of a portfolio.


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The possible negative impact that passive investing might have on the stock markets.

The potential tax ramifications of a portfolio.


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]]> Don McDonald 94a2be20-2eb4-11f1-b6ec-53c1c39c3f59 Mon, 13 May 2024 17:52:03 -0400 1690 false Cue the Qs Cue the Qs
Using High-yielding CLOs Instead of Bonds.

Adjusting Portfolio for Growth

Maryland 529 Plan vs. Other Options

Maximizing Growth for Grandchildren

Understanding Rebalancing in a 401k

Implementing a Three-Bucket Account Strategy


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Using High-yielding CLOs Instead of Bonds.

Adjusting Portfolio for Growth

Maryland 529 Plan vs. Other Options

Maximizing Growth for Grandchildren

Understanding Rebalancing in a 401k

Implementing a Three-Bucket Account Strategy


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]]> Don McDonald aceccd0e-2eb4-11f1-b6ec-e31dd06ddfde Fri, 10 May 2024 17:35:13 -0400 1521 false Will They Do What's Best? Will They Do What's Best?
What to we think of Keith Fitz-Gibbons investing advice?

What's the best way to cover three years of expenses before collection Social Security?


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What to we think of Keith Fitz-Gibbons investing advice?

What's the best way to cover three years of expenses before collection Social Security?


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]]> Don McDonald d067e188-2eb4-11f1-b6ec-fbb2703fd74a Thu, 09 May 2024 15:36:00 -0400 1640 false Your Wealth Grew? Your Wealth Grew?
Why don't we talk more about 529 ABLE plans?

What do we think of a portfolio with 20-year Treasury bonds?

After maxxing out retirement accounts, where should other money be invested?

Why can't more people save and invest?



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Why don't we talk more about 529 ABLE plans?

What do we think of a portfolio with 20-year Treasury bonds?

After maxxing out retirement accounts, where should other money be invested?

Why can't more people save and invest?



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]]> Don McDonald 87995afe-2eb4-11f1-b6ec-a36b2b266b83 Wed, 08 May 2024 16:41:48 -0400 2574 false Magic Money Machine Magic Money Machine
Nearing retirement is a fiduciary adviser needed and what should one cost?

The name of the book Tom mentioned about Crazy Eddie?


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Nearing retirement is a fiduciary adviser needed and what should one cost?

The name of the book Tom mentioned about Crazy Eddie?


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]]> Don McDonald 9475846e-2eb4-11f1-b6ec-6793fd351cde Tue, 07 May 2024 17:14:00 -0400 2664 false Gold is Not Investing Gold is Not Investing
Where can information be found on a school districts's 403b plan?

In what account order should money be withdrawn for a college education?


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Where can information be found on a school districts's 403b plan?

In what account order should money be withdrawn for a college education?


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]]> Don McDonald 7dadbbc0-2eb4-11f1-b6ec-674221134b2e Mon, 06 May 2024 18:14:00 -0400 1446 false Queries and Responses Queries and Responses
Does more money in emerging markets make sense?

What should be done with an 401k now that Vanguard has sold their servicing?

Are these two funds diversified enough?

Is there any way to calculate future call option premiums?


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Does more money in emerging markets make sense?

What should be done with an 401k now that Vanguard has sold their servicing?

Are these two funds diversified enough?

Is there any way to calculate future call option premiums?


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]]> Don McDonald 976c1ac0-2eb4-11f1-b6ec-1bfc114758ea Fri, 03 May 2024 16:44:55 -0400 1144 false Big Investing Factors Big Investing Factors
Why do we suggest more expensive products from firms like Avantis and Dimensional?

What are the differences between a 403b and a Roth IRA?


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Why do we suggest more expensive products from firms like Avantis and Dimensional?

What are the differences between a 403b and a Roth IRA?


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]]> Don McDonald d16e8046-2eb4-11f1-b6ec-a76ab61da11c Thu, 02 May 2024 16:51:53 -0400 1911 false Strange Money Perspectives Strange Money Perspectives
Financial Planning for a Special Needs Family Member

Estate Planning Strategies for Passing Wealth to Grandchildren

Balancing Risk Tolerance with Retirement Savings

Directing Inheritance to Grandchildren

Understanding Indexed Annuities


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Financial Planning for a Special Needs Family Member

Estate Planning Strategies for Passing Wealth to Grandchildren

Balancing Risk Tolerance with Retirement Savings

Directing Inheritance to Grandchildren

Understanding Indexed Annuities


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]]> Don McDonald 7e3e4c8a-2eb4-11f1-b6ec-7397876fbbae Wed, 01 May 2024 17:23:09 -0400 2574 false Are Bonds Bad? Are Bonds Bad?
Why do we dislike anuuities as investments?

What do we think of the new DOL rule requiring all retirement rollover advice be held to the fiduciary standard?




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Why do we dislike anuuities as investments?

What do we think of the new DOL rule requiring all retirement rollover advice be held to the fiduciary standard?




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]]> Don McDonald 84a962bc-2eb4-11f1-b6ec-4781f8f143d2 Tue, 30 Apr 2024 15:52:31 -0400 2547 false More Fiduciary Help? More Fiduciary Help?
What's the best way to pay for a new roof?

Why are my ETFs paying out taxable dividends?


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What's the best way to pay for a new roof?

Why are my ETFs paying out taxable dividends?


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]]> Don McDonald cfa0023a-2eb4-11f1-b6ec-9349f291dbe6 Mon, 29 Apr 2024 18:30:14 -0400 1701 false Question (and Answer) Day Question (and Answer) Day
How should an aggressive investor invest money that is not needed in retirement?

Does a QLAC make sense as a toold to control long-term care expenses?

Are there any tax ramications from moving from an expensive funds to ETFs in a qualified retirement account?

Does his portfolio idea make sense for a lazy retirement investor?


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How should an aggressive investor invest money that is not needed in retirement?

Does a QLAC make sense as a toold to control long-term care expenses?

Are there any tax ramications from moving from an expensive funds to ETFs in a qualified retirement account?

Does his portfolio idea make sense for a lazy retirement investor?


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]]> Don McDonald 56f8ee5a-2eb4-11f1-b6ec-9f79b1007ef1 Fri, 26 Apr 2024 16:49:00 -0400 970 false Why Take Risk? Why Take Risk?
How much is Edward Jones charging for their investment services?

How can an investor harvest tax losses?


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How much is Edward Jones charging for their investment services?

How can an investor harvest tax losses?


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]]> Don McDonald ad01e3ba-2eb4-11f1-b6ec-970cf0ede359 Thu, 25 Apr 2024 16:42:00 -0400 1866 false Expensive Retirement Plans Expensive Retirement Plans We hear from callers:

What will interest rates do in the near future?

What can be done with IRA distributions to reduce taxation?


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]]> We hear from callers:

What will interest rates do in the near future?

What can be done with IRA distributions to reduce taxation?


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]]> Don McDonald bb2a1250-2eb4-11f1-b6ec-a73d4f3337ca Wed, 24 Apr 2024 16:52:17 -0400 2506 false Retirement Quiz Retirement Quiz Listeners want to know:

How long will mom's retirement assets last?

Is there any way to get money back from a federal long-term care policy?

How can money in a retirement plan be accessed before 59-1/2 without penalties?


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]]> Listeners want to know:

How long will mom's retirement assets last?

Is there any way to get money back from a federal long-term care policy?

How can money in a retirement plan be accessed before 59-1/2 without penalties?


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]]> Don McDonald 7ccb952e-2eb4-11f1-b6ec-8bd7370e2583 Tue, 23 Apr 2024 17:18:01 -0400 2598 false Returns Matter More Returns Matter More Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

]]> Don McDonald 65a81246-2eb4-11f1-b6ec-c36e0339b5bc Mon, 22 Apr 2024 16:54:39 -0400 1750 false TGIQAF TGIQAF
How safe are investment in brokerage accounts?

Why shouldn't someone tranfer an IRA to Robin Hood to collect a 3% bonus?

What do we think of Fisher Investments "bucket" strategy?

How should money be invested for the beneficiary of a special needs trust?


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How safe are investment in brokerage accounts?

Why shouldn't someone tranfer an IRA to Robin Hood to collect a 3% bonus?

What do we think of Fisher Investments "bucket" strategy?

How should money be invested for the beneficiary of a special needs trust?


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]]> Don McDonald 81d0b41e-2eb4-11f1-b6ec-63e91370505f Fri, 19 Apr 2024 17:16:50 -0400 1038 false Small Index, Big Stocks Small Index, Big Stocks
Are we concerned about the decline in the number of publically-traded stocks?

Is it okay to be 100% in stocks close to retirement?


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Are we concerned about the decline in the number of publically-traded stocks?

Is it okay to be 100% in stocks close to retirement?


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]]> Don McDonald cbfb5cb0-2eb4-11f1-b6ec-2b68e247a6fa Thu, 18 Apr 2024 17:08:03 -0400 1724 false Emergency Funds and More Emergency Funds and More
With a little help for a previous caller.

What do we think of a particular brokerage firm?

How can money be moved from a regular IRA in an annuity to a Roth?

Is Empower providing good investment advice?

How should money be invested in a after-tax IRA?


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With a little help for a previous caller.

What do we think of a particular brokerage firm?

How can money be moved from a regular IRA in an annuity to a Roth?

Is Empower providing good investment advice?

How should money be invested in a after-tax IRA?


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]]> Don McDonald 9aaea662-2eb4-11f1-b6ec-63efb1c2d983 Wed, 17 Apr 2024 17:04:00 -0400 2508 false Should You Worry? Should You Worry? Is a Fidelity advisor a fiduciary or not?
Where should money for intermediate-term spending be invested?
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]]> Is a Fidelity advisor a fiduciary or not?
Where should money for intermediate-term spending be invested?
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]]> Don McDonald 8e4a36ca-2eb4-11f1-b6ec-93ebac153ffa Tue, 16 Apr 2024 13:06:07 -0400 2526 false A New Day of Q&A A New Day of Q&A
Is a Total World Stock Market Index Fund Enough?

Should You Pay Off a Low-Interest Mortgage Early?

What do we think of the Geiten Clinger Withdrawal Strategy?

Is Vanguard Advisor Services Worthwhile?

What has happened to ESG Investing?


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Is a Total World Stock Market Index Fund Enough?

Should You Pay Off a Low-Interest Mortgage Early?

What do we think of the Geiten Clinger Withdrawal Strategy?

Is Vanguard Advisor Services Worthwhile?

What has happened to ESG Investing?


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Questions? Comments? Click!

]]> Don McDonald c8ccc506-2eb4-11f1-b6ec-07fefa8a69c0 Mon, 15 Apr 2024 13:50:33 -0400 1450 false It's You and Don Day It's You and Don Day
Robin Hood's recent offer of a 3% bonus on IRA rollovers.

Avoiding a tax penalty of an inherited annuity.

A listener's Talking Real Money Road Trip suggestion.

The proper small cap portfolio allocation.


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Robin Hood's recent offer of a 3% bonus on IRA rollovers.

Avoiding a tax penalty of an inherited annuity.

A listener's Talking Real Money Road Trip suggestion.

The proper small cap portfolio allocation.


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]]> Don McDonald 563f152a-2eb4-11f1-b6ec-aba7ff5cafc1 Fri, 12 Apr 2024 16:28:53 -0400 940 false Best? Be Wary. Best? Be Wary.
What's the difference between two bond ETFs?

Upset about the performance of her bond fund.


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What's the difference between two bond ETFs?

Upset about the performance of her bond fund.


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]]> Don McDonald 92509d2c-2eb4-11f1-b6ec-eb5fbbcdc77a Thu, 11 Apr 2024 16:53:09 -0400 1804 false A True Fiduciary? A True Fiduciary?
Does it make sense to split a bond portfolio between US and international bonds?

How do you find the right advisor to write a financial plan?

Can someone with a 401k still contribute to a Roth IRA?

Why didn't a bank supply a 1099 for a CD?



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Does it make sense to split a bond portfolio between US and international bonds?

How do you find the right advisor to write a financial plan?

Can someone with a 401k still contribute to a Roth IRA?

Why didn't a bank supply a 1099 for a CD?



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]]> Don McDonald 5313adc0-2eb4-11f1-b6ec-2f2fe6c19e69 Wed, 10 Apr 2024 14:21:00 -0400 2558 false The Highest Heights? The Highest Heights?
Where should money from a property sale be kept for a future tax payment?

Does it make sense to buy a little physical gold?

Are money market fund yields lower than stated because of expenses?

How should an early retiree invest and generate income?

How can you calculate the expected future interest rates on an adjustable mortgage?


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Where should money from a property sale be kept for a future tax payment?

Does it make sense to buy a little physical gold?

Are money market fund yields lower than stated because of expenses?

How should an early retiree invest and generate income?

How can you calculate the expected future interest rates on an adjustable mortgage?


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]]> Don McDonald 79429664-2eb4-11f1-b6ec-b3a57817f58e Tue, 09 Apr 2024 17:20:00 -0400 2538 false 2% is Too Much 2% is Too Much
What do we think of direct indexing?

Why isn't Don's book available as an audiobook?


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What do we think of direct indexing?

Why isn't Don's book available as an audiobook?


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]]> Don McDonald 8ede144e-2eb4-11f1-b6ec-93ad1a272ce4 Mon, 08 Apr 2024 17:27:30 -0400 1445 false A Few Friday Qs A Few Friday Qs
What if "messing around" with a portfolio simply means using Avantis and DFA ETFs?

Are Avantis ETFs reall worth the extra expenses versus Vanguard index ETFs?

What should be done with a portfolio of broket sold Franklin-Templeton funds?

Is there a way to take money out of an IRA early without paying a penalty?


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What if "messing around" with a portfolio simply means using Avantis and DFA ETFs?

Are Avantis ETFs reall worth the extra expenses versus Vanguard index ETFs?

What should be done with a portfolio of broket sold Franklin-Templeton funds?

Is there a way to take money out of an IRA early without paying a penalty?


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]]> Don McDonald 80825856-2eb4-11f1-b6ec-7bb2e8044d53 Fri, 05 Apr 2024 17:27:40 -0400 957 false How Much is Needed? How Much is Needed?
Should a target-date fund be held in a non-qualified, taxable account?

Instead of investing, why not just keep everything in one of today's high-yield money market products?


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Should a target-date fund be held in a non-qualified, taxable account?

Instead of investing, why not just keep everything in one of today's high-yield money market products?


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]]> Don McDonald 84642a76-2eb4-11f1-b6ec-2b27a25c9d58 Thu, 04 Apr 2024 17:12:54 -0400 1542 false Stocks Start Strong Stocks Start Strong
What's the best way to sell one house, build another, and still have enough money left to live on?

How should a grandparent set up IRAs for working grandkids and how much might they eventually have?

Thanks for banning "Crypto Bob" from the Q&A podcasts.

How is 529 money transferred to a Roth IRA?


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What's the best way to sell one house, build another, and still have enough money left to live on?

How should a grandparent set up IRAs for working grandkids and how much might they eventually have?

Thanks for banning "Crypto Bob" from the Q&A podcasts.

How is 529 money transferred to a Roth IRA?


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]]> Don McDonald 3bdeade4-2eb4-11f1-b6ec-37a96a5cecf9 Wed, 03 Apr 2024 16:45:33 -0400 2513 false Election Has You Worried? Election Has You Worried?
Is it time to start reducing a portfolio's aggressiveness?

Should the money from maturing bonds be reinevsted in funds all at once or over time?

What's the best way to take money out of retirement savings to buy a RV?

What can be done with old Roth contributions for someone with no taxable income?

How should money be best withdrawn from an inherited IRA?


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Is it time to start reducing a portfolio's aggressiveness?

Should the money from maturing bonds be reinevsted in funds all at once or over time?

What's the best way to take money out of retirement savings to buy a RV?

What can be done with old Roth contributions for someone with no taxable income?

How should money be best withdrawn from an inherited IRA?


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]]> Don McDonald 84c20cd6-2eb4-11f1-b6ec-df51ed81835d Tue, 02 Apr 2024 16:33:05 -0400 2430 false The Mammoth in the Room The Mammoth in the Room
How should money from a maturing annuity be invested?

Why should we invest in Avantis ETFs when they don't have a long track record?


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How should money from a maturing annuity be invested?

Why should we invest in Avantis ETFs when they don't have a long track record?


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]]> Don McDonald 7258b496-2eb4-11f1-b6ec-bf0f7b1c7fc3 Mon, 01 Apr 2024 16:52:47 -0400 1781 false Another Q and A Day Another Q and A Day
What can be done about a late required minimum distribution (RMD)?

Is there a waiting period before you can withdraw money from a rollover Roth IRA?

What's the best way to start properly passively investing?

Don't fee-only investment advisors have a conflict becuase of the fee they charge?



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What can be done about a late required minimum distribution (RMD)?

Is there a waiting period before you can withdraw money from a rollover Roth IRA?

What's the best way to start properly passively investing?

Don't fee-only investment advisors have a conflict becuase of the fee they charge?



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]]> Don McDonald cbe2c146-2eb4-11f1-b6ec-1faf1ff9f02f Fri, 29 Mar 2024 17:24:37 -0400 1159 false Diversification Defined Diversification Defined
What kind of credit card do we suggest for maximum reward potential?

How do older investors find the financial help needed for a fiscally disinterested spouse?


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What kind of credit card do we suggest for maximum reward potential?

How do older investors find the financial help needed for a fiscally disinterested spouse?


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]]> Don McDonald 889d8074-2eb4-11f1-b6ec-4773e7a545cc Thu, 28 Mar 2024 17:52:52 -0400 1467 false Thematic Gambling Thematic Gambling Listeners ask:

Is a cheaper price per share ETF better than a pricier one?

How much should be withdrawn from a retirement plan?

Does someone with no dependents need a million dollar term life policy?


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]]> Listeners ask:

Is a cheaper price per share ETF better than a pricier one?

How much should be withdrawn from a retirement plan?

Does someone with no dependents need a million dollar term life policy?


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]]> Don McDonald 85867670-2eb4-11f1-b6ec-f36a02241a09 Wed, 27 Mar 2024 16:34:20 -0400 2541 false Portfolios Need Risk Portfolios Need Risk We hear from listeners asking:

How should an 80-year old's money be invested?

How can you find a great financial advisor?

What is the best way to invest $1.6 million?

How should a recent divorced woman invest her settlement money?


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]]> We hear from listeners asking:

How should an 80-year old's money be invested?

How can you find a great financial advisor?

What is the best way to invest $1.6 million?

How should a recent divorced woman invest her settlement money?


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]]> Don McDonald 7bf1bbc4-2eb4-11f1-b6ec-87d79bcafc51 Tue, 26 Mar 2024 17:00:00 -0400 2718 false Big Income, Little Risk Big Income, Little Risk
Does an employer's contribution count toward 401k limits?

Is it better to pay of student loans or fund retirement?


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Does an employer's contribution count toward 401k limits?

Is it better to pay of student loans or fund retirement?


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]]> Don McDonald cad834fc-2eb4-11f1-b6ec-fb76f24441f7 Mon, 25 Mar 2024 17:30:16 -0400 1564 false Still More Friday Q&A Still More Friday Q&A
Does a CD ladder work for portfolio protection?

Is Robin Hood's Gold account worth the fee?

In moving from indicvidual stocsk to ETFs can one stock's loss offest another's gain?

Can we focus a program on the income generating phase of life?

Do these three funds make a decent retirement portfolio?


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Does a CD ladder work for portfolio protection?

Is Robin Hood's Gold account worth the fee?

In moving from indicvidual stocsk to ETFs can one stock's loss offest another's gain?

Can we focus a program on the income generating phase of life?

Do these three funds make a decent retirement portfolio?


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]]> Don McDonald 9515cd2a-2eb4-11f1-b6ec-17e7fedf936d Fri, 22 Mar 2024 16:29:13 -0400 1138 false Play it Safe? Play it Safe?
The wisdom of investing in a real estate trust?

The impact of interest rate changes on pension payouts?


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The wisdom of investing in a real estate trust?

The impact of interest rate changes on pension payouts?


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]]> Don McDonald 52cc5e84-2eb4-11f1-b6ec-bf2fa048aa8d Thu, 21 Mar 2024 17:23:16 -0400 1401 false Financial Faux Pas Financial Faux Pas
Does paying an advisor 1% per year mean that the 4% rule becomes the 3% rule?

A real estate broker believes that real estate agents will thrive despite the NAR settlement.

How should money be invested with wither New York Life or Edward Jones?


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Does paying an advisor 1% per year mean that the 4% rule becomes the 3% rule?

A real estate broker believes that real estate agents will thrive despite the NAR settlement.

How should money be invested with wither New York Life or Edward Jones?


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]]> Don McDonald 82ad4fd2-2eb4-11f1-b6ec-bb195bf030f5 Wed, 20 Mar 2024 17:00:00 -0400 2542 false Playing It Too Safe? Playing It Too Safe?
What would have been a reasonable return on a portfolio over the past few years?

Which is better: bond funds or individual bonds?


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What would have been a reasonable return on a portfolio over the past few years?

Which is better: bond funds or individual bonds?


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]]> Don McDonald 538f308a-2eb4-11f1-b6ec-2b586a436d12 Tue, 19 Mar 2024 18:08:00 -0400 2582 false Biggest Wealth Destroyers Biggest Wealth Destroyers
The positive impact our shows have had on a finnacial life.

What do we think of a proposed allocation to TSP funds?

How do we feel about investing in AI and do we have any suggestions?


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The positive impact our shows have had on a finnacial life.

What do we think of a proposed allocation to TSP funds?

How do we feel about investing in AI and do we have any suggestions?


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]]> Don McDonald 8ca54710-2eb4-11f1-b6ec-bfe0a4602def Mon, 18 Mar 2024 17:29:48 -0400 1467 false Questions and Crypto's End Questions and Crypto's End
What would it take to become a financial advisor?

What are immediate annuities?

Is it okay to play with one investment account?

Does the wash sale rule apply to purchases right before a sales?


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What would it take to become a financial advisor?

What are immediate annuities?

Is it okay to play with one investment account?

Does the wash sale rule apply to purchases right before a sales?


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]]> Don McDonald 8138c9ec-2eb4-11f1-b6ec-1b4a4c47033d Fri, 15 Mar 2024 17:15:00 -0400 1614 false Financial Jealousy Financial Jealousy
How much of a portfolio should be in this particular ETF?

What are we referring to when we talk about 7% annuities?

How can an investor find a 100% fee-only fiduciary advisor?


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How much of a portfolio should be in this particular ETF?

What are we referring to when we talk about 7% annuities?

How can an investor find a 100% fee-only fiduciary advisor?


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]]> Don McDonald 82fa7e06-2eb4-11f1-b6ec-bbdaf0967adb Thu, 14 Mar 2024 18:08:04 -0400 1563 false Wait for Stocks to Fall? Wait for Stocks to Fall?
What should an older investor do to create a simple retirement portfolio?

Does it always make sense to tap taxable accounts before taking money from tax-advantaged account?

How can an older person get started investing for retirement?

Could Roths be taxed in the future?

Would it be wise for an elderly investor to move her money from Edward Jones to Schwab?


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What should an older investor do to create a simple retirement portfolio?

Does it always make sense to tap taxable accounts before taking money from tax-advantaged account?

How can an older person get started investing for retirement?

Could Roths be taxed in the future?

Would it be wise for an elderly investor to move her money from Edward Jones to Schwab?


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]]> Don McDonald 87f26f04-2eb4-11f1-b6ec-8f32db114889 Wed, 13 Mar 2024 16:08:08 -0400 2526 false Free Usually Isn’t Free Usually Isn’t
On the Washington legislatures failure to pass a financial listeacy education bill.

How is his broker making money off of his IRA account?

Should money coming out of an annuity be invested in bonds as well as stock funds?


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On the Washington legislatures failure to pass a financial listeacy education bill.

How is his broker making money off of his IRA account?

Should money coming out of an annuity be invested in bonds as well as stock funds?


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]]> Don McDonald 8a00faf4-2eb4-11f1-b6ec-0b62dd8904e8 Tue, 12 Mar 2024 16:39:21 -0400 2490 false Question Overload Question Overload Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 77e2f3e0-2eb4-11f1-b6ec-5366e7bb8110 Mon, 11 Mar 2024 17:07:40 -0400 1627 false Questions, Comments, Crypto. Questions, Comments, Crypto.
A comment about Don's Readastorus podcast.

Avoiding taxes on Social Security.

Using HSA benefits to indirectly fund a Roth.

ChatGPT as an investment advisor.

A couple of Bitcoin boosters.


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A comment about Don's Readastorus podcast.

Avoiding taxes on Social Security.

Using HSA benefits to indirectly fund a Roth.

ChatGPT as an investment advisor.

A couple of Bitcoin boosters.


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]]> Don McDonald 7b801438-2eb4-11f1-b6ec-a31efc13166d Fri, 08 Mar 2024 14:50:07 -0500 1171 false Teen Investing Power Teen Investing Power
For a "deep dive" into proper account asset allocation.

What do we think of these perceived shortcomings of exchange-traded funds (ETFs)?


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For a "deep dive" into proper account asset allocation.

What do we think of these perceived shortcomings of exchange-traded funds (ETFs)?


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]]> Don McDonald 89d08306-2eb4-11f1-b6ec-7788478e8436 Thu, 07 Mar 2024 16:50:22 -0500 1604 false Too Much in Too Few Too Much in Too Few
In a banking crisis, can we lose ownership of our stocks?

What's the best way to pay for an emergency roof replacement?

How should restricted company stock be sold?

Does an IRA tax deduction makes sense?

What's the best way to set up a retirement plan for a small business?

Does a "sell on Friday, buy back on Monday" market timing strategy makes sense?


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In a banking crisis, can we lose ownership of our stocks?

What's the best way to pay for an emergency roof replacement?

How should restricted company stock be sold?

Does an IRA tax deduction makes sense?

What's the best way to set up a retirement plan for a small business?

Does a "sell on Friday, buy back on Monday" market timing strategy makes sense?


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]]> Don McDonald 8e320cee-2eb4-11f1-b6ec-5ba2c83b9471 Wed, 06 Mar 2024 17:12:11 -0500 2519 false Money Mind Mending Money Mind Mending
In what order should retirement accounts be tapped?

What happens to stocks if the banking system collapse?

How should a family member's portfolio be invested for assisted living?


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In what order should retirement accounts be tapped?

What happens to stocks if the banking system collapse?

How should a family member's portfolio be invested for assisted living?


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]]> Don McDonald 895dabd8-2eb4-11f1-b6ec-c319c6066935 Tue, 05 Mar 2024 16:43:00 -0500 2612 false Keep You Betting Keep You Betting
What do we think of Schwab's Theme ETFs?

Is it better to save pre-tax money for retirement or use post-tax dollars to get tax-free growth?


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What do we think of Schwab's Theme ETFs?

Is it better to save pre-tax money for retirement or use post-tax dollars to get tax-free growth?


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]]> Don McDonald 7c55d2f8-2eb4-11f1-b6ec-8be3ccbda5ae Mon, 04 Mar 2024 17:21:00 -0500 1637 false Start by Saving Money Start by Saving Money
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]]> Don McDonald 8a778a98-2eb4-11f1-b6ec-db8dc9be76e7 Thu, 29 Feb 2024 17:13:07 -0500 1609 false Don, Tom, and Paul Don, Tom, and Paul Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 78fe7646-2eb4-11f1-b6ec-a705887b6434 Wed, 28 Feb 2024 17:01:46 -0500 2554 false Don and Weston Wellington Don and Weston Wellington Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 869850f6-2eb4-11f1-b6ec-6ff60ca9c5f9 Tue, 27 Feb 2024 17:49:01 -0500 2589 false No Way to Know No Way to Know
What is the maximum number of clients an advisor can properly service?

What do we think of Phoenix Capital Group?


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What is the maximum number of clients an advisor can properly service?

What do we think of Phoenix Capital Group?


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]]> Don McDonald 7a3e1142-2eb4-11f1-b6ec-670397db34ba Mon, 26 Feb 2024 18:17:00 -0500 1513 false Questions, Plus Questions, Plus
What is the best way to buy a new car?

How should younger people plan for healthcare in retirement?

Should a total bond market fund be in a taxable brokerage account?

Finally, four questions in one about creating a better portfolio in retirement.


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]]>
What is the best way to buy a new car?

How should younger people plan for healthcare in retirement?

Should a total bond market fund be in a taxable brokerage account?

Finally, four questions in one about creating a better portfolio in retirement.


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]]> Don McDonald 863dfc1e-2eb4-11f1-b6ec-57385f914533 Fri, 23 Feb 2024 12:00:00 -0500 1414 false Retiree Regrets Retiree Regrets
In what order should money be withdrawn from different kinds of accounts in retirement?

Does it make sense to convert IRAs into a Roths in retirement?


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In what order should money be withdrawn from different kinds of accounts in retirement?

Does it make sense to convert IRAs into a Roths in retirement?


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]]> Don McDonald 7b68d3fe-2eb4-11f1-b6ec-7729f0a4df85 Thu, 22 Feb 2024 12:00:00 -0500 2478 false Outrageous Returns? Outrageous Returns?
Why do we still suggest bonds in an investor's portfolio?

What's wrong with his covered call writing strategy?


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]]>
Why do we still suggest bonds in an investor's portfolio?

What's wrong with his covered call writing strategy?


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]]> Don McDonald 7a80099e-2eb4-11f1-b6ec-0f50bc5ed97e Wed, 21 Feb 2024 16:48:47 -0500 2586 false CFP Equals Best Interests? CFP Equals Best Interests? Plus you ask us questions:

What to we think of David McKnight's (The Power of Zero) advice?

Where should a small business emergency fund be invested?


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]]> Plus you ask us questions:

What to we think of David McKnight's (The Power of Zero) advice?

Where should a small business emergency fund be invested?


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]]> Don McDonald 81643884-2eb4-11f1-b6ec-b7e8a316668b Tue, 20 Feb 2024 17:42:12 -0500 1618 false Another Stormy Q&A Another Stormy Q&A
Can a custodian move a UGMA into a 529?

Will there be an online replay of Retiremeet?

Why should someone consider AVGE considering its flaws?

A caller shares a crypto twofer?

How should money from a 401k be invested at Vanguard?


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Can a custodian move a UGMA into a 529?

Will there be an online replay of Retiremeet?

Why should someone consider AVGE considering its flaws?

A caller shares a crypto twofer?

How should money from a 401k be invested at Vanguard?


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]]> Don McDonald 7e5322cc-2eb4-11f1-b6ec-8f3d550df609 Fri, 16 Feb 2024 17:09:37 -0500 1098 false Too Many Choices? Too Many Choices? Listeners ask:

Can you be both the owner and beneficiary of a 529 Plan?

Do 401k assets count in the pro-rata requirements for a backfoor IRA?


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]]> Listeners ask:

Can you be both the owner and beneficiary of a 529 Plan?

Do 401k assets count in the pro-rata requirements for a backfoor IRA?


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]]> Don McDonald a10ce85c-2eb4-11f1-b6ec-5f6e5619b801 Thu, 15 Feb 2024 17:54:34 -0500 1429 false The ETF Innovation The ETF Innovation
Is it better to give money to family from and IRA or brokerage fund?

What's inportant in an advisors Form ADV, Part 2?


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]]>
Is it better to give money to family from and IRA or brokerage fund?

What's inportant in an advisors Form ADV, Part 2?


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]]> Don McDonald 92d2cee6-2eb4-11f1-b6ec-2776a4fdf126 Wed, 14 Feb 2024 15:23:21 -0500 2525 false Harvesting Equity Wealth Harvesting Equity Wealth Listeners ask:

Is a CD the best place to invest real estate proceeds for retirement income?

How does rental income compare to income froma diversified portfolio?

Can large positions in single stocks be combined into a fund to avoid capital gains?


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]]> Listeners ask:

Is a CD the best place to invest real estate proceeds for retirement income?

How does rental income compare to income froma diversified portfolio?

Can large positions in single stocks be combined into a fund to avoid capital gains?


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]]> Don McDonald 7819ecce-2eb4-11f1-b6ec-37e663352919 Tue, 13 Feb 2024 18:03:07 -0500 2601 false Better Than 403b Plans Better Than 403b Plans Plus, listeners ask:

What do we think of Fidelity Zero funds now?

Can someone with a retirement plan at work still contribute to an IRA?


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]]> Plus, listeners ask:

What do we think of Fidelity Zero funds now?

Can someone with a retirement plan at work still contribute to an IRA?


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]]> Don McDonald 7593bc8c-2eb4-11f1-b6ec-8743efc4b5f1 Mon, 12 Feb 2024 17:41:05 -0500 1607 false T.G.I.Q.A.F. T.G.I.Q.A.F.
What portfolio adjustments should be made to avoid IRMAA?

How should the bond portion of a portfolio be invested?

Is investing in high dividend stocks a good way to create retirement income?

Can backdoor Roth conversions be done in the same year for two different tax years?


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What portfolio adjustments should be made to avoid IRMAA?

How should the bond portion of a portfolio be invested?

Is investing in high dividend stocks a good way to create retirement income?

Can backdoor Roth conversions be done in the same year for two different tax years?


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]]> Don McDonald 853ce2e4-2eb4-11f1-b6ec-b7c0cbb51468 Fri, 09 Feb 2024 16:31:28 -0500 1313 false Retirement Myths Busted Retirement Myths Busted
Wondering if a financial planner is needed goinf into retirement?

Taking us to task over a mathematical misundertanding.


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]]>
Wondering if a financial planner is needed goinf into retirement?

Taking us to task over a mathematical misundertanding.


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]]> Don McDonald 40437900-2eb4-11f1-b6ec-ebcbd3d44db7 Thu, 08 Feb 2024 15:17:21 -0500 1394 false Best Ignored Best Ignored Listeners ask:

What should a house rich person do to create a decent retirement income?

Is moving 401k money into an indexed annuity a wise move?

This call sets Don on a rant against the horrible "advisors" who will say almost anything to sell these high-commission, complex insurance-based "investment" vehicles.
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]]> Listeners ask:

What should a house rich person do to create a decent retirement income?

Is moving 401k money into an indexed annuity a wise move?

This call sets Don on a rant against the horrible "advisors" who will say almost anything to sell these high-commission, complex insurance-based "investment" vehicles.
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]]> Don McDonald c38c4ff8-2eb4-11f1-b6ec-d3679e2f317b Wed, 07 Feb 2024 17:30:00 -0500 2449 false Fees Lead Fees Lead Listeners ask:

Can a 529 be used as a "carrot" to reward good behavior in college?

After the sale of a house, do they have enough to retire comfortably?


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]]> Listeners ask:

Can a 529 be used as a "carrot" to reward good behavior in college?

After the sale of a house, do they have enough to retire comfortably?


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]]> Don McDonald ad324032-2eb4-11f1-b6ec-afa8cb4bd7c1 Tue, 06 Feb 2024 16:41:06 -0500 2428 false No Way To Know No Way To Know
Does a Fidelity 250-stock direct indexing plan make sense?

Is it better to max out a Roth IRA or Health Savings Account?


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]]>
Does a Fidelity 250-stock direct indexing plan make sense?

Is it better to max out a Roth IRA or Health Savings Account?


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]]> Don McDonald 901a8784-2eb4-11f1-b6ec-037956d2d8a1 Mon, 05 Feb 2024 17:26:59 -0500 1671 false Friday QCCA Friday QCCA A listener corrects one of Don's statement about Bitcoin ETFs.
Can buying a building for a business replace a REIT in a portfolio?
What's the best way to invest a court settlement for a minor?
A suggestion that an umbrella insurance policy could lower other P&C rates.
A discussion of the difference between dividend reinvestment in mutual funds and ETFs.


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]]> A listener corrects one of Don's statement about Bitcoin ETFs.
Can buying a building for a business replace a REIT in a portfolio?
What's the best way to invest a court settlement for a minor?
A suggestion that an umbrella insurance policy could lower other P&C rates.
A discussion of the difference between dividend reinvestment in mutual funds and ETFs.


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]]> Don McDonald b6172d98-2eb4-11f1-b6ec-e3d82997b194 Fri, 02 Feb 2024 18:02:10 -0500 855 false We’re Retiring Better We’re Retiring Better
What's the correct asset allocation for a portfolio including an HSA?

How should I invest in retirement?


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]]>
What's the correct asset allocation for a portfolio including an HSA?

How should I invest in retirement?


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]]> Don McDonald 926b7124-2eb4-11f1-b6ec-abc23e5adc93 Thu, 01 Feb 2024 17:03:30 -0500 1519 false So Long Silly ETFs So Long Silly ETFs Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 79f9b484-2eb4-11f1-b6ec-e72360ba8b4b Wed, 31 Jan 2024 17:48:00 -0500 2466 false Certificate of Excitement? Certificate of Excitement?
We hear from a listener who believes that the Federal Reserve FedNow program is designed to control behavior.

Another wonders if Fidelity can send monthly payments from a 401k?

Does investing in a target-date fund make sense in an HSA account?


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]]>
We hear from a listener who believes that the Federal Reserve FedNow program is designed to control behavior.

Another wonders if Fidelity can send monthly payments from a 401k?

Does investing in a target-date fund make sense in an HSA account?


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]]> Don McDonald c2e4c4d6-2eb4-11f1-b6ec-576065003755 Tue, 30 Jan 2024 17:31:53 -0500 2500 false Culling the Real Estate Herd? Culling the Real Estate Herd? Is it too late to invest in a 529 for older kids?
Is there a better option that the age-based plan in the Utah 529 plan?
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]]> Is it too late to invest in a 529 for older kids?
Is there a better option that the age-based plan in the Utah 529 plan?
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]]> Don McDonald 90eda4fc-2eb4-11f1-b6ec-873ca9376f74 Mon, 29 Jan 2024 17:35:18 -0500 1515 false Global Questions Global Questions
Which is worse: and annuity of a leaf blower?

What can be done for a friend who is on the brink of bankruptcy?

Which CD is best and what is a callable CD?

After a financial windfall is it too late to hire an advisor?

Can a retired pastor take tax-free housing withdrawals after moving from 403b to IRA?

Should a portfolio be diversified among accounts based on tax treatment?


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]]>
Which is worse: and annuity of a leaf blower?

What can be done for a friend who is on the brink of bankruptcy?

Which CD is best and what is a callable CD?

After a financial windfall is it too late to hire an advisor?

Can a retired pastor take tax-free housing withdrawals after moving from 403b to IRA?

Should a portfolio be diversified among accounts based on tax treatment?


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]]> Don McDonald 818f387c-2eb4-11f1-b6ec-63423911e168 Fri, 26 Jan 2024 18:04:20 -0500 1646 false Seeking Diversification Seeking Diversification
How should a Health Savings Account (HSA) be invested?

Does it make sense to add Boston Partners Large Cap Value Equity Fund to a portfolio?


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]]>
How should a Health Savings Account (HSA) be invested?

Does it make sense to add Boston Partners Large Cap Value Equity Fund to a portfolio?


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]]> Don McDonald 90940078-2eb4-11f1-b6ec-ff88556c2f7e Thu, 25 Jan 2024 17:25:46 -0500 1392 false Stealthy Budget Killers Stealthy Budget Killers A listener shares a tool for cutting subscription costs and wonders why it would ever be okay to go without homeowners insurance? Others ask:

When is it better to pay off a mortgage than invest?

Why can't dividends be reinvested in an ETF?

How much liability insurance is needed?


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]]> A listener shares a tool for cutting subscription costs and wonders why it would ever be okay to go without homeowners insurance? Others ask:

When is it better to pay off a mortgage than invest?

Why can't dividends be reinvested in an ETF?

How much liability insurance is needed?


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]]> Don McDonald 856e181e-2eb4-11f1-b6ec-971dd4f2a693 Wed, 24 Jan 2024 17:24:09 -0500 2583 false New Highs Mean Little New Highs Mean Little Listeners ask:

Is Retiremeet worthwhile for those already retired?

How should money be invested in a deferred compensation plan?


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]]> Listeners ask:

Is Retiremeet worthwhile for those already retired?

How should money be invested in a deferred compensation plan?


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]]> Don McDonald 7e0cf0b8-2eb4-11f1-b6ec-6b857fb6476c Tue, 23 Jan 2024 16:48:06 -0500 2577 false The Great Home Debate The Great Home Debate A listener asks:
What should be done with an old whole life policy purchased by parents for an adult child?

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]]> A listener asks:
What should be done with an old whole life policy purchased by parents for an adult child?

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]]> Don McDonald 7d577d8c-2eb4-11f1-b6ec-bf798d80632b Mon, 22 Jan 2024 17:24:43 -0500 1812 false Questions and Songs Questions and Songs
What is the value of tax-loss harvesting?

Can a Coverdell ESA be moved to a 529 plan?

Can RMDs be postponed by going back to work?

Finally, we conclude with some listener created musical interludes.


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]]>
What is the value of tax-loss harvesting?

Can a Coverdell ESA be moved to a 529 plan?

Can RMDs be postponed by going back to work?

Finally, we conclude with some listener created musical interludes.


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]]> Don McDonald 931dabfa-2eb4-11f1-b6ec-ff7fc635879b Fri, 19 Jan 2024 17:36:24 -0500 1234 false Legal Loan Sharks Legal Loan Sharks A listener looks for advice on taking a lump-sum distribution or a monthly pension.
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]]> A listener looks for advice on taking a lump-sum distribution or a monthly pension.
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]]> Don McDonald 7d133974-2eb4-11f1-b6ec-e760c3b55618 Thu, 18 Jan 2024 16:46:39 -0500 2571 false Better in an ETF? Better in an ETF?
Which funds should be used for young people's Roth IRAs?

Can an advisor pitching indexed annuity be a fiduciary as he claims?


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]]>
Which funds should be used for young people's Roth IRAs?

Can an advisor pitching indexed annuity be a fiduciary as he claims?


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]]> Don McDonald be25447a-2eb4-11f1-b6ec-d300619b0bab Wed, 17 Jan 2024 17:01:49 -0500 2547 false Invest and Reduce Taxes Invest and Reduce Taxes
How should excess money in an HSA be invested?

What should be done with a $500,000 inheritance?


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]]>
How should excess money in an HSA be invested?

What should be done with a $500,000 inheritance?


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]]> Don McDonald 446a784e-2eb4-11f1-b6ec-6bf08967ab4a Tue, 16 Jan 2024 17:53:47 -0500 1515 false Friday Questions and More Friday Questions and More
Does it make sense to switch from taxable bonds to tax-free municipal bonds?

Does a portfolio need more international or value exposure?

What effect will new Bitcoin ETFs have on the value of Bitcoin?

A listener disagrees with our statements about buying a home versus renting?

Is Emancipare a legitimate advisor?



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]]>
Does it make sense to switch from taxable bonds to tax-free municipal bonds?

Does a portfolio need more international or value exposure?

What effect will new Bitcoin ETFs have on the value of Bitcoin?

A listener disagrees with our statements about buying a home versus renting?

Is Emancipare a legitimate advisor?



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]]> Don McDonald c3d37644-2eb4-11f1-b6ec-5b508c242618 Fri, 12 Jan 2024 18:01:39 -0500 1624 false Short-Term Means Little Short-Term Means Little Does it make sense to purchace pension service credits?
Do those with checking at their broker need a bank account?
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]]> Does it make sense to purchace pension service credits?
Do those with checking at their broker need a bank account?
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]]> Don McDonald 8b5e98f2-2eb4-11f1-b6ec-bb72b847a0a6 Thu, 11 Jan 2024 16:59:50 -0500 1449 false The Weakest Plan? The Weakest Plan?
To discuss issues with distributions from and taxes on an estate.

How to get a portfolio evaluation from us?

What do we think of Delaware Stautory Trusts (DSTs)?

When should RMDs be taken?

What's the best way to retire to Florida and find a place to live?


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]]>
To discuss issues with distributions from and taxes on an estate.

How to get a portfolio evaluation from us?

What do we think of Delaware Stautory Trusts (DSTs)?

When should RMDs be taken?

What's the best way to retire to Florida and find a place to live?


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]]> Don McDonald 886da1c4-2eb4-11f1-b6ec-1f02f9588501 Wed, 10 Jan 2024 18:38:00 -0500 2540 false Biggest Retirement Blunders Biggest Retirement Blunders
What do we think of the retirement investment options from Northen Trust?

In the current environment would it be better to invest in longer term bonds?


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]]>
What do we think of the retirement investment options from Northen Trust?

In the current environment would it be better to invest in longer term bonds?


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]]> Don McDonald 91fd52ac-2eb4-11f1-b6ec-93d24575911a Tue, 09 Jan 2024 18:05:00 -0500 2541 false Know Before You Commit Know Before You Commit
Can funds from a UGMA or UTMA be moved into a minor's 529 plan?

What is our opinion of spiders (the ones spelled SDPRs)?


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]]>
Can funds from a UGMA or UTMA be moved into a minor's 529 plan?

What is our opinion of spiders (the ones spelled SDPRs)?


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]]> Don McDonald 7c7ff09c-2eb4-11f1-b6ec-e7f9a6f61c7b Mon, 08 Jan 2024 18:23:54 -0500 1612 false New Year. New Questions. New Year. New Questions.
What do we think of XY Planning Network?

Is Vanguard's new Core Actively Managed Bond Fund a good investment?

What can or should be done with a gifted annuity?

Should VT and VTI be purchased now "at a peak?"

Is a $9,000 RMD tax analysis worthwhile?


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]]>
What do we think of XY Planning Network?

Is Vanguard's new Core Actively Managed Bond Fund a good investment?

What can or should be done with a gifted annuity?

Should VT and VTI be purchased now "at a peak?"

Is a $9,000 RMD tax analysis worthwhile?


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]]> Don McDonald ad4b9fdc-2eb4-11f1-b6ec-53468398e1bd Fri, 05 Jan 2024 17:47:46 -0500 1495 false Money Unmentionable Money Unmentionable
Does it make sense to get back into target-date funds?

What do we think of this bond ladder fund?

How should an extra $500 a month be invested?

What should be done with the cash from a home sale?





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]]>
Does it make sense to get back into target-date funds?

What do we think of this bond ladder fund?

How should an extra $500 a month be invested?

What should be done with the cash from a home sale?





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]]> Don McDonald 7cfa439c-2eb4-11f1-b6ec-f7bf19743cba Thu, 04 Jan 2024 17:46:00 -0500 2599 false Inept Investing Info Inept Investing Info
Can funds (except for proprietary BridgeBuilder funds) be transferred from Edward Jones to Vanguard?

Should mid-cap funds be included in a diversified portfolio?

Which is the best diversified bond fund?

In which type of accounts should bonds be invested?


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]]>
Can funds (except for proprietary BridgeBuilder funds) be transferred from Edward Jones to Vanguard?

Should mid-cap funds be included in a diversified portfolio?

Which is the best diversified bond fund?

In which type of accounts should bonds be invested?


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]]> Don McDonald 88558936-2eb4-11f1-b6ec-4b6a504fed70 Wed, 03 Jan 2024 18:39:49 -0500 2660 false Most Own Equities Most Own Equities Listeners ask:

What do we think of a few of Fidelity's factor funds?

Does it make sense to consolidate a portfolio in Vanguard Wellington?




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]]> Listeners ask:

What do we think of a few of Fidelity's factor funds?

Does it make sense to consolidate a portfolio in Vanguard Wellington?




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]]> Don McDonald 6a88ecf4-2eb4-11f1-b6ec-23baced2d09d Tue, 02 Jan 2024 16:41:22 -0500 1484 false Last Q&A of '23 Last Q&A of '23
Is adding a DFA value fund worth the added cost?

Should 529 money be used to eventually fund a Roth IRA?

Can we make a better case against Bitcoin?

What should be done with an old annuity?


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]]>
Is adding a DFA value fund worth the added cost?

Should 529 money be used to eventually fund a Roth IRA?

Can we make a better case against Bitcoin?

What should be done with an old annuity?


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]]> Don McDonald 799b86a2-2eb4-11f1-b6ec-bf0ed8e37509 Fri, 29 Dec 2023 17:16:33 -0500 1329 false Retirement Relocation Retirement Relocation
How will some short-term, extra income effect Medicare costs?

If a major recession occurs, would it make sense to use emergency money to "buy the dip?"

Is it better to have multiple brokerage accounts?

Is there any way to speed up the distribution of assets from an estate?


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]]>
How will some short-term, extra income effect Medicare costs?

If a major recession occurs, would it make sense to use emergency money to "buy the dip?"

Is it better to have multiple brokerage accounts?

Is there any way to speed up the distribution of assets from an estate?


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]]> Don McDonald d0f8278e-2eb4-11f1-b6ec-ab9a37ca3191 Thu, 28 Dec 2023 17:20:00 -0500 2659 false A Christmas Dog Story A Christmas Dog Story
What are the best funds for a simple portfolio?

Is Morningstar a good source of investing information?


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]]>
What are the best funds for a simple portfolio?

Is Morningstar a good source of investing information?


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]]> Don McDonald 801c88f0-2eb4-11f1-b6ec-0724dca32772 Wed, 27 Dec 2023 17:49:00 -0500 2671 false Investing Realities Investing Realities What can be done with a brokerage firm that refuses to let go of funds?

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]]> What can be done with a brokerage firm that refuses to let go of funds?

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]]> Don McDonald 7c97aa5c-2eb4-11f1-b6ec-2bd2bfac52a1 Tue, 26 Dec 2023 15:47:02 -0500 1632 false The Great Fund Debate The Great Fund Debate
Objectively, why do we hate Bitcoin?

How should an elderly mother invest for heirs?


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]]>
Objectively, why do we hate Bitcoin?

How should an elderly mother invest for heirs?


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]]> Don McDonald b4185d46-2eb4-11f1-b6ec-371b86c6c773 Thu, 21 Dec 2023 17:10:51 -0500 1840 false Fastest Home Fill-Ups Fastest Home Fill-Ups Then, we hear from listeners:
Should a fiduciary advisor also act as a financial "psychologist?"
Does it make sense to borrow home equity and lend it to a friend in construction?
Should he stick with his aggressive "advisor?"
How can renting be less expensive than buying a home?
What's the difference between points and percents?
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]]> Then, we hear from listeners:
Should a fiduciary advisor also act as a financial "psychologist?"
Does it make sense to borrow home equity and lend it to a friend in construction?
Should he stick with his aggressive "advisor?"
How can renting be less expensive than buying a home?
What's the difference between points and percents?
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Questions? Comments? Click!

]]> Don McDonald 81ff01b6-2eb4-11f1-b6ec-0f9b30ee2a00 Wed, 20 Dec 2023 18:13:52 -0500 2533 false Wait… Stocks Have Risen? Wait… Stocks Have Risen?
What should be done with an old variable annuity in a 403b?

How should an end-of-year backdoor Roth be done?

Can someone from out-of-state attend Retiremeet?

What do we think of some advice from a Voya rep?

Is renting really better than buying a home?


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]]>
What should be done with an old variable annuity in a 403b?

How should an end-of-year backdoor Roth be done?

Can someone from out-of-state attend Retiremeet?

What do we think of some advice from a Voya rep?

Is renting really better than buying a home?


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]]> Don McDonald 8a458f66-2eb4-11f1-b6ec-8fc3ebca4e34 Tue, 19 Dec 2023 17:02:28 -0500 2535 false Start Investing Sooner Start Investing Sooner
How can I force myself to rebalance my portfolio when my emotions get in the way?

Which is better: a bond fund or a CD ladder?


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]]>
How can I force myself to rebalance my portfolio when my emotions get in the way?

Which is better: a bond fund or a CD ladder?


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]]> Don McDonald 89e821dc-2eb4-11f1-b6ec-035525ceb4bb Mon, 18 Dec 2023 16:00:00 -0500 1513 false Pre-Christmas Question Day Pre-Christmas Question Day
How should assets be allocated across different types of accounts?

What happens to the money in a 529 plan if the custodian needs to withdraw some?

How should a young adult invest money from an inherited IRA?

Can brokers' cash management accounts replace traditional bank accounts?


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]]>
How should assets be allocated across different types of accounts?

What happens to the money in a 529 plan if the custodian needs to withdraw some?

How should a young adult invest money from an inherited IRA?

Can brokers' cash management accounts replace traditional bank accounts?


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]]> Don McDonald 8bcd9fa4-2eb4-11f1-b6ec-7b16b72d7370 Fri, 15 Dec 2023 16:44:00 -0500 1336 false When Managers Go Away When Managers Go Away
What do we think of Vanguard's variable insurance funds?

Does a 100% equity portfolio make sense for someone comfortable with risk?


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]]>
What do we think of Vanguard's variable insurance funds?

Does a 100% equity portfolio make sense for someone comfortable with risk?


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]]> Don McDonald 41c69488-2eb4-11f1-b6ec-ab10f0dc5317 Thu, 14 Dec 2023 16:15:47 -0500 1495 false Real Investing is Hard Real Investing is Hard
Is gold a good investment?

What do we think of the "investment" advice provided at a free Italian dinner?


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]]>
Is gold a good investment?

What do we think of the "investment" advice provided at a free Italian dinner?


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]]> Don McDonald c5f57b8e-2eb4-11f1-b6ec-c74a7876e530 Wed, 13 Dec 2023 17:47:00 -0500 2534 false Stop Hurting Yourself Stop Hurting Yourself
Can iBonds be transferred to others?

What's the best way to set up a 529 ABLE plan

Is tax loss selling a bit like market timing?

What's the best way to sell appreciated stocks to reduce taxes?


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]]>
Can iBonds be transferred to others?

What's the best way to set up a 529 ABLE plan

Is tax loss selling a bit like market timing?

What's the best way to sell appreciated stocks to reduce taxes?


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]]> Don McDonald 84db0b00-2eb4-11f1-b6ec-3ffdf11157b8 Tue, 12 Dec 2023 14:02:00 -0500 2614 false Bitcoin and Gold Heat Up Bitcoin and Gold Heat Up
Better understand a Nuveen muni bond fund they own.

Create a tax minimization plan for retirement.


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]]>
Better understand a Nuveen muni bond fund they own.

Create a tax minimization plan for retirement.


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]]> Don McDonald 6adf1124-2eb4-11f1-b6ec-738555141c5a Mon, 11 Dec 2023 16:39:40 -0500 1568 false Cool Days Q&A Cool Days Q&A
Does it make sense to use a 529 Plan to make future Roth IRAs for grandkids?

Is the 4.7% interest from Vanguard new Cash Plus account better than a high yield savings account?

Does an allocation entirely too small cap stocks make sense?


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]]>
Does it make sense to use a 529 Plan to make future Roth IRAs for grandkids?

Is the 4.7% interest from Vanguard new Cash Plus account better than a high yield savings account?

Does an allocation entirely too small cap stocks make sense?


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]]> Don McDonald 8dbc826c-2eb4-11f1-b6ec-9700826961f2 Fri, 08 Dec 2023 16:20:34 -0500 1415 false Avoiding Bad Advice Avoiding Bad Advice What is the name of the bank paying over 4%?
How should money be allocated between taxable and tax-advantaged "baskets?"
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]]> What is the name of the bank paying over 4%?
How should money be allocated between taxable and tax-advantaged "baskets?"
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]]> Don McDonald 93baed52-2eb4-11f1-b6ec-93bf5c0f3ee0 Thu, 07 Dec 2023 16:58:00 -0500 1468 false Unexpected Taxable Events Unexpected Taxable Events
How can the Washington state estate tax be avoided?

Do they have enough to live a confortable and enjoyable retirement?

How do you find a financial advisor you can trust?


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]]>
How can the Washington state estate tax be avoided?

Do they have enough to live a confortable and enjoyable retirement?

How do you find a financial advisor you can trust?


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]]> Don McDonald c550dcbe-2eb4-11f1-b6ec-7f87064ab824 Wed, 06 Dec 2023 16:25:00 -0500 2608 false Lifelong Income Strategies Lifelong Income Strategies
Does it make sense to sell Apple stock to pay off a HELOC (home equity line of credit) early?

What is the best way to invest an inheritance?

How does money have to be withdrawn from a non-spousal inherited IRA?


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]]>
Does it make sense to sell Apple stock to pay off a HELOC (home equity line of credit) early?

What is the best way to invest an inheritance?

How does money have to be withdrawn from a non-spousal inherited IRA?


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]]> Don McDonald 455cdf44-2eb4-11f1-b6ec-975b78eebf66 Tue, 05 Dec 2023 16:13:39 -0500 2583 false Pensions Staging Comeback? Pensions Staging Comeback?
Should the proceeds from the sale of an investment property be moved into a DST (Delaware Statutory Trust)?

Should a regular mutual fund be sold and an ETF purchased instead?


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]]>
Should the proceeds from the sale of an investment property be moved into a DST (Delaware Statutory Trust)?

Should a regular mutual fund be sold and an ETF purchased instead?


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]]> Don McDonald 73527fb2-2eb4-11f1-b6ec-db284c75b978 Mon, 04 Dec 2023 16:51:32 -0500 1468 false A Lot of Questions A Lot of Questions
Which funds should be used in a 403b?

Thanks for the podcast.

How much of fixed income should be in inflation hedges?

How could a mom squeeze a bit more income out of her portfolio?

Did it makes sense to sell bond funds and move into T-Bills?

Is an umbrella liability insurance policy needed?

How should a million dollar portfolio be invested?


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]]>
Which funds should be used in a 403b?

Thanks for the podcast.

How much of fixed income should be in inflation hedges?

How could a mom squeeze a bit more income out of her portfolio?

Did it makes sense to sell bond funds and move into T-Bills?

Is an umbrella liability insurance policy needed?

How should a million dollar portfolio be invested?


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]]> Don McDonald 3e6a3952-2eb4-11f1-b6ec-6f0cd331be92 Fri, 01 Dec 2023 18:03:36 -0500 1891 false And the Winners Are... And the Winners Are... Should a multi-fund portfolio be converted to ETFs?

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]]> Should a multi-fund portfolio be converted to ETFs?

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]]> Don McDonald 2c6cf8ca-2eb4-11f1-b6ec-6bc1775e1f31 Thu, 30 Nov 2023 16:57:19 -0500 1397 false Seen the Light? Seen the Light? ...with a Health Savings Account's (HSA) divestment allocation.
...understanding why the value of a dividend fund has barely moved.

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]]> ...with a Health Savings Account's (HSA) divestment allocation.
...understanding why the value of a dividend fund has barely moved.

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]]> Don McDonald 540067fa-2eb4-11f1-b6ec-b3b6ce970ce5 Wed, 29 Nov 2023 17:05:26 -0500 1415 false Dave Promises Big Bucks Dave Promises Big Bucks Then on to the questions:

What's the best allocation among funds in the Thrift savings Plan?

Should a REIT in a taxable account be sold and invested in something more tax-efficient?


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]]> Then on to the questions:

What's the best allocation among funds in the Thrift savings Plan?

Should a REIT in a taxable account be sold and invested in something more tax-efficient?


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]]> Don McDonald 461d27ea-2eb4-11f1-b6ec-13fbfcd01c7c Tue, 28 Nov 2023 19:46:00 -0500 1393 false Financial Illiteracy Financial Illiteracy Plus, listeners ask:

What do we think of a move from bonds into T-bills?

Is a financial advisor needed and why?


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]]> Plus, listeners ask:

What do we think of a move from bonds into T-bills?

Is a financial advisor needed and why?


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]]> Don McDonald 567fea82-2eb4-11f1-b6ec-af929ec34012 Mon, 27 Nov 2023 16:26:11 -0500 1461 false Work Plans Losing Work Plans Losing Listeners want to know:

Does it make sense to invest almost $500,000 in a jumbo CD?

Why don't we make longer episodes and suggest people listen at higher speeds?

What do (did) we think of Bob Brinker?

In what order should retirement accounts be used for income?

How much would a diversified account have made so far in 2023?


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]]> Listeners want to know:

Does it make sense to invest almost $500,000 in a jumbo CD?

Why don't we make longer episodes and suggest people listen at higher speeds?

What do (did) we think of Bob Brinker?

In what order should retirement accounts be used for income?

How much would a diversified account have made so far in 2023?


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]]> Don McDonald 440ac660-2eb4-11f1-b6ec-f76d6d11e80f Wed, 22 Nov 2023 12:41:00 -0500 2511 false So Few Houses So Few Houses
How should a brokerage accoiunt be consolidated?

Getting a lot on a savings accounts and hoping rates stay high.


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]]>
How should a brokerage accoiunt be consolidated?

Getting a lot on a savings accounts and hoping rates stay high.


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]]> Don McDonald 516faf28-2eb4-11f1-b6ec-cfa197ca38e8 Tue, 21 Nov 2023 17:13:00 -0500 2588 false Want to Pay Less? Want to Pay Less? Listeners ask us:

If I convert one IRA to a Roth, must I convert them all?

How do you choose between financial advisors with widely divergent strategies?


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]]> Listeners ask us:

If I convert one IRA to a Roth, must I convert them all?

How do you choose between financial advisors with widely divergent strategies?


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]]> Don McDonald 2be53ff2-2eb4-11f1-b6ec-efabee336931 Mon, 20 Nov 2023 16:39:46 -0500 1655 false Pre-Turkey Q&A Pre-Turkey Q&A
Why should a portfolio be rebalanced regularly?

Is a state teacher's pension pre-tax money or can it be rolled over tax-free?

What is the difference between the pre-tax, Roth, and after-tax 403b options?

Finally, a listener appreciates the Medicare episode.
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]]>
Why should a portfolio be rebalanced regularly?

Is a state teacher's pension pre-tax money or can it be rolled over tax-free?

What is the difference between the pre-tax, Roth, and after-tax 403b options?

Finally, a listener appreciates the Medicare episode.
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]]> Don McDonald 4dbb92ca-2eb4-11f1-b6ec-3f0bec93ff15 Fri, 17 Nov 2023 16:56:00 -0500 852 false Are Advisors Obsolete? Are Advisors Obsolete?
What is the best order to draw from various types of retirement accounts?

Which is the better Avantis total market ETF: AVGE or AVGV?


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]]>
What is the best order to draw from various types of retirement accounts?

Which is the better Avantis total market ETF: AVGE or AVGV?


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]]> Don McDonald 8da3d898-2eb4-11f1-b6ec-17f7d0851184 Thu, 16 Nov 2023 17:51:00 -0500 1492 false Most Don't Know Most Don't Know Then, we hear from listeners asking:

Is it better to buy houses or invest in stocks and bonds?

What is the required minimum distribution formula for retirement accounts?

Finally, we get a call from someone who has done well in real estate.


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]]> Then, we hear from listeners asking:

Is it better to buy houses or invest in stocks and bonds?

What is the required minimum distribution formula for retirement accounts?

Finally, we get a call from someone who has done well in real estate.


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]]> Don McDonald 481d55a6-2eb4-11f1-b6ec-df60aff75b48 Wed, 15 Nov 2023 16:43:40 -0500 2571 false World of Opportunities World of Opportunities How should a young person's retirement be invested in Vanguard funds?

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]]> How should a young person's retirement be invested in Vanguard funds?

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]]> Don McDonald 9b9deb32-2eb4-11f1-b6ec-431e5777e4f1 Tue, 14 Nov 2023 17:56:08 -0500 2486 false Hedge Fund Fail Hedge Fund Fail
Should I sell old I-Bonds and pay the penalty to invest in newer bonds with a fixed rate plus inflation adjustments?

How should I allocate my employer retirement investments between various Vanguard funds?


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]]>
Should I sell old I-Bonds and pay the penalty to invest in newer bonds with a fixed rate plus inflation adjustments?

How should I allocate my employer retirement investments between various Vanguard funds?


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]]> Don McDonald 62b3c0a8-2eb4-11f1-b6ec-abd88080be21 Mon, 13 Nov 2023 16:43:36 -0500 1392 false Four Q Day Four Q Day
How many beneficiaries of a 529 plan can transfer $35,000 into a Roth IRA?

Does a micro-cap fund have a place in a portfolio?

Should a retirement lump sum be investing in rolling maturity fixed annuities?

Is there any reason to NOT fund a 457 plan?


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]]>
How many beneficiaries of a 529 plan can transfer $35,000 into a Roth IRA?

Does a micro-cap fund have a place in a portfolio?

Should a retirement lump sum be investing in rolling maturity fixed annuities?

Is there any reason to NOT fund a 457 plan?


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]]> Don McDonald 2da7d926-2eb4-11f1-b6ec-1fbb5214b40e Fri, 10 Nov 2023 14:36:47 -0500 1131 false A Mere Million? A Mere Million?
Does it make sense to tax-loss sell a total bond ETF to a tax-free bond ETF?

Should you sell funds when they have gone up 20%?


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]]>
Does it make sense to tax-loss sell a total bond ETF to a tax-free bond ETF?

Should you sell funds when they have gone up 20%?


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]]> Don McDonald 3eaba900-2eb4-11f1-b6ec-27551414ef55 Thu, 09 Nov 2023 16:35:00 -0500 1268 false Working in Retirement Working in Retirement We take listeners' questions:

Should liquid money be invested in a 13-month CD?

Can a portion of a parent's HSA be used for an adult child?

Can a storage unit buyer transfer old savings bonds to his name?

Should a small pension be withdrawn as a $30,000 lump sum?

What should a 62-year-old do to catch up on retirement?


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]]> We take listeners' questions:

Should liquid money be invested in a 13-month CD?

Can a portion of a parent's HSA be used for an adult child?

Can a storage unit buyer transfer old savings bonds to his name?

Should a small pension be withdrawn as a $30,000 lump sum?

What should a 62-year-old do to catch up on retirement?


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]]> Don McDonald 5696ca18-2eb4-11f1-b6ec-8bec01703371 Wed, 08 Nov 2023 16:22:00 -0500 2295 false Fiduciary Future? Fiduciary Future? Our listeners want to know:

Should an investor move from one small-cap value fund to another?

What's the best way to invest money for grandkids' long-term future?

What should be done with a capital gain from real estate to avoid taxes?



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]]> Our listeners want to know:

Should an investor move from one small-cap value fund to another?

What's the best way to invest money for grandkids' long-term future?

What should be done with a capital gain from real estate to avoid taxes?



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]]> Don McDonald 51848056-2eb4-11f1-b6ec-339260e8de4b Tue, 07 Nov 2023 16:41:03 -0500 2412 false Rent and Invest? Rent and Invest? Listeners ask:

In order to create a simpler portfolio, does it make sense to wait until prices of existing securities recovers?

In a somewhat hodgepodge portfolio, should an ETF be sold to buy CDs?


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]]> Listeners ask:

In order to create a simpler portfolio, does it make sense to wait until prices of existing securities recovers?

In a somewhat hodgepodge portfolio, should an ETF be sold to buy CDs?


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]]> Don McDonald 622b71f8-2eb4-11f1-b6ec-6b8843082d95 Mon, 06 Nov 2023 16:20:24 -0500 1350 false T.G.I.F.B.I.A.Q. T.G.I.F.B.I.A.Q.
What's with the weird ticker symbols for retirement plan funds?

Does it make sense only to fund a mega-backdoor Roth IRA?

Is it smart to loan a child money for a home?

Should money from a 401k be used to pay off a mortgage?


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]]>
What's with the weird ticker symbols for retirement plan funds?

Does it make sense only to fund a mega-backdoor Roth IRA?

Is it smart to loan a child money for a home?

Should money from a 401k be used to pay off a mortgage?


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]]> Don McDonald 59466930-2eb4-11f1-b6ec-3771e4802103 Fri, 03 Nov 2023 16:28:33 -0400 910 false Small Investors Win? Small Investors Win?
Which Vanguard bond fund do we prefer for an IRA?

What is a Social Security benefit reduction, and why should you wait to collect?


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]]>
Which Vanguard bond fund do we prefer for an IRA?

What is a Social Security benefit reduction, and why should you wait to collect?


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]]> Don McDonald 5490743a-2eb4-11f1-b6ec-77f627ecde44 Thu, 02 Nov 2023 16:48:51 -0400 1443 false High Costs of "Free" High Costs of "Free" Others ask:

About contributing to a company 401k plan at age 60 with few retirement assets?

What can be done with a bad company retirement plan consultants?

Does it make sense to invest in target date ETFs in retirement?

What some good investments for grandchildren?


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]]> Others ask:

About contributing to a company 401k plan at age 60 with few retirement assets?

What can be done with a bad company retirement plan consultants?

Does it make sense to invest in target date ETFs in retirement?

What some good investments for grandchildren?


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]]> Don McDonald 57421512-2eb4-11f1-b6ec-1bc07bb43695 Wed, 01 Nov 2023 16:09:00 -0400 2260 false Spike Setbacks Spike Setbacks It appear that mist of the financial setbacks over the past fifty years have followed periods of rapidly rising rates. What can you do to protect against risng (and falling) interest rates? What is the historical norm for rates? Plus, Don talks about the first-of-its-kind target date ETF.
Callers ask:

What should be done with his stock portfolio in the current market?

Why is my retirement plan at work showing a large loss?

Should a portfolio of active funds be moved to index funds?


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]]> It appear that mist of the financial setbacks over the past fifty years have followed periods of rapidly rising rates. What can you do to protect against risng (and falling) interest rates? What is the historical norm for rates? Plus, Don talks about the first-of-its-kind target date ETF.
Callers ask:

What should be done with his stock portfolio in the current market?

Why is my retirement plan at work showing a large loss?

Should a portfolio of active funds be moved to index funds?


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]]> Don McDonald 4cb76796-2eb4-11f1-b6ec-03a393d6a565 Tue, 31 Oct 2023 16:28:00 -0400 2211 false Fysics: Diversification Fysics: Diversification
What should be done with two maturing annuities?

How should a $5 million portfolio be invested to reduce taxes?


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]]>
What should be done with two maturing annuities?

How should a $5 million portfolio be invested to reduce taxes?


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]]> Don McDonald 4646c4d8-2eb4-11f1-b6ec-f7302163541f Mon, 30 Oct 2023 16:00:00 -0400 1569 false 403 and Annuity Q-Day 403 and Annuity Q-Day
Why is an attractive-sounding annuity a bad idea?

Are there times when a 403b shouldn't be rolled into an IRA?

How can someone complain about insurance products in a 403b?

When can a contribution be made to a mid-year HSA?

What's the best way to invest in various types of accounts?


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]]>
Why is an attractive-sounding annuity a bad idea?

Are there times when a 403b shouldn't be rolled into an IRA?

How can someone complain about insurance products in a 403b?

When can a contribution be made to a mid-year HSA?

What's the best way to invest in various types of accounts?


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]]> Don McDonald 585bd424-2eb4-11f1-b6ec-53305c2e6981 Fri, 27 Oct 2023 21:44:31 -0400 1784 false Hard to Retire Here Hard to Retire Here Listeners ask:

For a primer on brokered CDs. Are callable CDs worth considering?

Which is better: a money market or certificate of deposit?


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]]> Listeners ask:

For a primer on brokered CDs. Are callable CDs worth considering?

Which is better: a money market or certificate of deposit?


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]]> Don McDonald c3a3fbee-2eb4-11f1-b6ec-f3838bf2550e Thu, 26 Oct 2023 14:50:57 -0400 1119 false Whither Interest Rates? Whither Interest Rates? Listeners would like to know:

What is the difference between a money market account and a money market mutual fund?

Was it wise to purchase 20-year bonds for long-term income?

Where should money be placed to make money without risk?

Do we think Fundrise is a good place to invest?


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]]> Listeners would like to know:

What is the difference between a money market account and a money market mutual fund?

Was it wise to purchase 20-year bonds for long-term income?

Where should money be placed to make money without risk?

Do we think Fundrise is a good place to invest?


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]]> Don McDonald 3fcb38e6-2eb4-11f1-b6ec-5722b3702a6d Wed, 25 Oct 2023 15:18:23 -0400 2271 false 60/40 Dead Again? 60/40 Dead Again? Our listeners ask:

Why would you use a regular IRA when you expect to be in a lower future tax bracket?

What do we think of the TSP "G" Fund vs BND?

How should a late retirement saver invest?

Should a retirement account with an insurance company be moved elsewhere?


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]]> Our listeners ask:

Why would you use a regular IRA when you expect to be in a lower future tax bracket?

What do we think of the TSP "G" Fund vs BND?

How should a late retirement saver invest?

Should a retirement account with an insurance company be moved elsewhere?


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]]> Don McDonald bd0986fa-2eb4-11f1-b6ec-73c312e706b2 Tue, 24 Oct 2023 13:01:00 -0400 2388 false Is Betting Better? Is Betting Better?
What are the best investments for young grandchildren?

Should dividends be reinvested or paid out?


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]]>
What are the best investments for young grandchildren?

Should dividends be reinvested or paid out?


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]]> Don McDonald 70560db0-2eb4-11f1-b6ec-bff54f858d84 Mon, 23 Oct 2023 17:33:00 -0400 1535 false Many Questions and Answers Many Questions and Answers
Why do we like the Utah 529 Plan?

Should BND be sold to create a ladder even if it's down?

Why don't we mention M1 Finance?

What do we think of the Fidelity Zero funds?

Can a corporate bond ETF replace a money market fund?

Is 1% per year a fair fee for an investment advisor?


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]]>
Why do we like the Utah 529 Plan?

Should BND be sold to create a ladder even if it's down?

Why don't we mention M1 Finance?

What do we think of the Fidelity Zero funds?

Can a corporate bond ETF replace a money market fund?

Is 1% per year a fair fee for an investment advisor?


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]]> Don McDonald 5a1603f2-2eb4-11f1-b6ec-474daae0ad70 Fri, 20 Oct 2023 17:19:14 -0400 1265 false Annuities Are Sold... Annuities Are Sold... Listeners ask:

Which investments should be in taxable versus tax-advantaged accounts?

Why do we like AVGE when it's an "active" fund?

Why doesn't Tom buy his new car through Costco?

How should one go about saving extra money for an early retirement?


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]]> Listeners ask:

Which investments should be in taxable versus tax-advantaged accounts?

Why do we like AVGE when it's an "active" fund?

Why doesn't Tom buy his new car through Costco?

How should one go about saving extra money for an early retirement?


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]]> Don McDonald 4d1185dc-2eb4-11f1-b6ec-ef54ddcbc31b Thu, 19 Oct 2023 11:45:04 -0400 2326 false Too Much Cash Too Much Cash
What can be done after an adviser puts money into an annuity with the client's permission?

Why does a CD ladder makes sense?


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]]>
What can be done after an adviser puts money into an annuity with the client's permission?

Why does a CD ladder makes sense?


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]]> Don McDonald 40733f64-2eb4-11f1-b6ec-63699d1e1e47 Wed, 18 Oct 2023 16:00:00 -0400 1399 false Crypto Sucks... Crypto Sucks...
Do we know of a great 529A Able Plan?

What do we think of a simple portfolio and when should it be rebalanced?

Are more bonds needed in a portfolio?

Is there a case to be made for a traditional, tax-deductible 401k?

What do we think of an ESG portfolio?


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]]>
Do we know of a great 529A Able Plan?

What do we think of a simple portfolio and when should it be rebalanced?

Are more bonds needed in a portfolio?

Is there a case to be made for a traditional, tax-deductible 401k?

What do we think of an ESG portfolio?


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]]> Don McDonald 375ac5d2-2eb4-11f1-b6ec-9bebfdfdc4c1 Tue, 17 Oct 2023 16:02:00 -0400 2250 false Funding Higher Education Funding Higher Education Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

]]> Don McDonald 9d9ff83a-2eb4-11f1-b6ec-6f9e3630ddea Mon, 16 Oct 2023 17:31:05 -0400 1537 false Friday is Question Day Friday is Question Day
Why do Treasury security yields change throughout each day?

How do you check out a fee-based advisor?

What do we think of a company's new fund options?

Does his advice for a friend's retirement portfolios make sense?

Is the ETF "HIGH" a decent investment?


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]]>
Why do Treasury security yields change throughout each day?

How do you check out a fee-based advisor?

What do we think of a company's new fund options?

Does his advice for a friend's retirement portfolios make sense?

Is the ETF "HIGH" a decent investment?


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]]> Don McDonald 7305cdca-2eb4-11f1-b6ec-439d49afad98 Fri, 13 Oct 2023 16:52:00 -0400 1441 false Friends and Money Don't Mix Friends and Money Don't Mix
Is it better to invest fixed income dollars in bonds or laddered CDs?

Will moving from one brokerage firm to another cause a taxable event?

When is the best time to make a QCD?

Why doesn't the Fed raise rates in one big move?

How can an employee get out of an Edward Jones 401a?

Which of many bad choices should a school district employee use in 403b?

How does Merrill Lunch differ from Schwab?


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]]>
Is it better to invest fixed income dollars in bonds or laddered CDs?

Will moving from one brokerage firm to another cause a taxable event?

When is the best time to make a QCD?

Why doesn't the Fed raise rates in one big move?

How can an employee get out of an Edward Jones 401a?

Which of many bad choices should a school district employee use in 403b?

How does Merrill Lunch differ from Schwab?


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]]> Don McDonald 6259f83e-2eb4-11f1-b6ec-134b618d9b93 Thu, 12 Oct 2023 16:32:03 -0400 2217 false Costs of Being Mortgage Free Costs of Being Mortgage Free
What happens to the homeowner's capital gain exemption if you rent you house for a few years?

Does direct indexing make investing sense?

To invest in other funds should I wait until the old securities price goes up?

How much risk should someone with a high risk capacity, but no need for risk, own bonds?

Should I-Bonds be sold and reivested in CDs?

Do QCDs (qualified charitable distributions) makes sense?


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]]>
What happens to the homeowner's capital gain exemption if you rent you house for a few years?

Does direct indexing make investing sense?

To invest in other funds should I wait until the old securities price goes up?

How much risk should someone with a high risk capacity, but no need for risk, own bonds?

Should I-Bonds be sold and reivested in CDs?

Do QCDs (qualified charitable distributions) makes sense?


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]]> Don McDonald 7701b808-2eb4-11f1-b6ec-9f06adfde73f Wed, 11 Oct 2023 16:12:45 -0400 2182 false Dumb and Dumber Money Dumb and Dumber Money
How much should be kept in the short-term liquid accounts?

Should we take money from different types of account in different markets?


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]]>
How much should be kept in the short-term liquid accounts?

Should we take money from different types of account in different markets?


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]]> Don McDonald a49c4562-2eb4-11f1-b6ec-2b8175e28ce3 Tue, 10 Oct 2023 16:05:31 -0400 1334 false Fear for Financial Future Fear for Financial Future
One takes us to task for sharing mutual fund portfolios instead of just ETF portfolios.

Another asks where Health Savings Account (HSA) should be invested.


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]]>
One takes us to task for sharing mutual fund portfolios instead of just ETF portfolios.

Another asks where Health Savings Account (HSA) should be invested.


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]]> Don McDonald 3edbf5b0-2eb4-11f1-b6ec-830f64781a41 Mon, 09 Oct 2023 16:31:26 -0400 1063 false One Week Later: More Qs One Week Later: More Qs
While stocks plunged for most of the Great Depression, how did bonds perform?

Does it make sense to convert to a Roth if the taxes are paid from the IRA?

Does taking early Social Security payments and investing them better than waiting until age 70?

How is a lump sum pension distribution taxed and should it be used to pay off a house?

In which kinds of accounts should different types of investments be kept?

Why do we state that homes haven't been a great investment over time?


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]]>
While stocks plunged for most of the Great Depression, how did bonds perform?

Does it make sense to convert to a Roth if the taxes are paid from the IRA?

Does taking early Social Security payments and investing them better than waiting until age 70?

How is a lump sum pension distribution taxed and should it be used to pay off a house?

In which kinds of accounts should different types of investments be kept?

Why do we state that homes haven't been a great investment over time?


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]]> Don McDonald c7aa374e-2eb4-11f1-b6ec-3b9cbc53f41d Fri, 06 Oct 2023 16:47:29 -0400 1374 false Our Jobs Are Secure Our Jobs Are Secure Is her brother's dividend portfolio a smart way to invest?

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]]> Is her brother's dividend portfolio a smart way to invest?

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]]> Don McDonald 5095d276-2eb4-11f1-b6ec-0bf8b35b3393 Thu, 05 Oct 2023 16:54:08 -0400 1336 false Ending Conflicted Advice Ending Conflicted Advice
What is our problem with target-date funds?

Can an inherited IRA be gifted away?

What should be done with investments when someone enters long-term care?


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]]>
What is our problem with target-date funds?

Can an inherited IRA be gifted away?

What should be done with investments when someone enters long-term care?


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]]> Don McDonald 6d79930a-2eb4-11f1-b6ec-b7217254b455 Wed, 04 Oct 2023 17:20:00 -0400 2292 false Shutdown Shut Down Shutdown Shut Down
What should be done with some extra cash in retirement?

Should marketable limit orders be used when trading ETFs?

What is a reasonable expected return for a portfolio?


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]]>
What should be done with some extra cash in retirement?

Should marketable limit orders be used when trading ETFs?

What is a reasonable expected return for a portfolio?


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]]> Don McDonald 6fb772ae-2eb4-11f1-b6ec-87c44af14492 Tue, 03 Oct 2023 17:34:00 -0400 2214 false You Can't Win You Can't Win Then, we take some questions:

Is the I-Bond early-withdrawal interest penalty from early interest or the latest amount?

With Social Security in trouble, what is the best age to take withdrawals?


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]]> Then, we take some questions:

Is the I-Bond early-withdrawal interest penalty from early interest or the latest amount?

With Social Security in trouble, what is the best age to take withdrawals?


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]]> Don McDonald 68d9bb9a-2eb4-11f1-b6ec-27573a9c5485 Mon, 02 Oct 2023 17:19:52 -0400 1492 false A Unique QCA Day A Unique QCA Day
Don is appalled by another great example of a slick salesperson selling a horribly complex and misleading insurance investment for retirement.

Should a Roth be funded for someone on the cusp of making too much money.

A listener shares positive comments about a recent show.

Does overfunding a 529 to allow a future Roth IRA transfer to a child make sense?


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]]>
Don is appalled by another great example of a slick salesperson selling a horribly complex and misleading insurance investment for retirement.

Should a Roth be funded for someone on the cusp of making too much money.

A listener shares positive comments about a recent show.

Does overfunding a 529 to allow a future Roth IRA transfer to a child make sense?


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]]> Don McDonald b8cfaf42-2eb4-11f1-b6ec-63f42ef3d1c8 Fri, 29 Sep 2023 18:55:51 -0400 1196 false Trustworthy Advice Trustworthy Advice
What do we think of this retirement portfolio, heavily invested in real estate trusts?

Does the Schwab CD ladddering tool look good?


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]]>
What do we think of this retirement portfolio, heavily invested in real estate trusts?

Does the Schwab CD ladddering tool look good?


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]]> Don McDonald 558fd600-2eb4-11f1-b6ec-43106a068633 Thu, 28 Sep 2023 17:30:58 -0400 1452 false You're Making Less You're Making Less
A caller shares his long history as a trader.

Another looks for our opinion on real estate investment trusts (REITs).

Is there any way to avoid the capital gain on the sale of property?


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]]>
A caller shares his long history as a trader.

Another looks for our opinion on real estate investment trusts (REITs).

Is there any way to avoid the capital gain on the sale of property?


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]]> Don McDonald a19402a6-2eb4-11f1-b6ec-abd9d677b573 Wed, 27 Sep 2023 16:34:45 -0400 2177 false Bad Money Radio Bad Money Radio Our loyal listeners ask:

Are Dimensional funds passive or active?

What the the first steps to getting started investing?


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]]> Our loyal listeners ask:

Are Dimensional funds passive or active?

What the the first steps to getting started investing?


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]]> Don McDonald b7a3c004-2eb4-11f1-b6ec-1b864456685b Tue, 26 Sep 2023 14:45:14 -0400 2157 false It's Not Investing! It's Not Investing! Listeners ask:

Which is better: Regular or Roth retirement accounts?

What do we think about Titan Capital?


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]]> Listeners ask:

Which is better: Regular or Roth retirement accounts?

What do we think about Titan Capital?


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]]> Don McDonald 5a2e0d80-2eb4-11f1-b6ec-d7ec002de864 Mon, 25 Sep 2023 13:46:07 -0400 1234 false A Whole Lotta Calls A Whole Lotta Calls
A caller shares information about the downside of non-qualified deferred compensation plans at work.

Should some olf 401k plans be moved to a current 401k?

In a TSP, what should the fixed-income allocation be?

Do investors need to be diversified globally in large-cap stocks

Is his international diversification appropriate?

Does longevity insurance make sense?


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]]>
A caller shares information about the downside of non-qualified deferred compensation plans at work.

Should some olf 401k plans be moved to a current 401k?

In a TSP, what should the fixed-income allocation be?

Do investors need to be diversified globally in large-cap stocks

Is his international diversification appropriate?

Does longevity insurance make sense?


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]]> Don McDonald 557b2f8e-2eb4-11f1-b6ec-9f1757fa81a5 Fri, 22 Sep 2023 17:28:55 -0400 1269 false Retiring With Less Retiring With Less
What do we think of an expensive 403b investment?

Can funds from a Coverdell ESA be transferred to a Roth IRA?


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]]>
What do we think of an expensive 403b investment?

Can funds from a Coverdell ESA be transferred to a Roth IRA?


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]]> Don McDonald a08a14cc-2eb4-11f1-b6ec-cb4a9b2de92c Thu, 21 Sep 2023 17:24:12 -0400 1391 false Don't Be Dumb Don't Be Dumb
What's the best way to educate grown children about money and investing?

With the UAW on strike, are we likely to see defined-benefit pensions return?


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]]>
What's the best way to educate grown children about money and investing?

With the UAW on strike, are we likely to see defined-benefit pensions return?


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]]> Don McDonald 515a5844-2eb4-11f1-b6ec-87faafb54ed9 Wed, 20 Sep 2023 18:12:09 -0400 2199 false Retiring Wrong Retiring Wrong Listeners ask:

Does his decision to take Social Security at FRA make sense?

What do we think of Ken Fisher's investing philosophy?

What will provide a high return without much risk?

How should a 16 year-old invest accumulated savings?

What's our opinion of a new Avantis balanced ETF?

Does it make sense to convert an IRA to a Roth?


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]]> Listeners ask:

Does his decision to take Social Security at FRA make sense?

What do we think of Ken Fisher's investing philosophy?

What will provide a high return without much risk?

How should a 16 year-old invest accumulated savings?

What's our opinion of a new Avantis balanced ETF?

Does it make sense to convert an IRA to a Roth?


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]]> Don McDonald 4c9ef576-2eb4-11f1-b6ec-b39a01f63e8a Tue, 19 Sep 2023 21:28:39 -0400 2122 false Tax Avoidance Reality Tax Avoidance Reality A listener asks:
Is there any reason to be concerned about Vanguard funds reorganization plans?

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]]> A listener asks:
Is there any reason to be concerned about Vanguard funds reorganization plans?

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]]> Don McDonald 4bc91a64-2eb4-11f1-b6ec-eb1293c74dd7 Mon, 18 Sep 2023 15:30:23 -0400 1228 false Q&Again Q&Again
Why don't more online brokers adopt automatic rebalancing?

Why should we invest overseas when international stocks have done poorly recently?

Does it make sense to take a loss on longer term bonds and move to one-year CDs?

What do we think of VIOV vs AVUV?


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]]>
Why don't more online brokers adopt automatic rebalancing?

Why should we invest overseas when international stocks have done poorly recently?

Does it make sense to take a loss on longer term bonds and move to one-year CDs?

What do we think of VIOV vs AVUV?


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]]> Don McDonald a731971e-2eb4-11f1-b6ec-ef75aff5d5df Fri, 15 Sep 2023 11:51:00 -0400 954 false Leverage Wins and Loses Leverage Wins and Loses Listeners ask:

What do we think of Mercer Advisors and their sub-advisors?

Should money be moved from a less aggressive small cap value fund to a more aggressive one?


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]]> Listeners ask:

What do we think of Mercer Advisors and their sub-advisors?

Should money be moved from a less aggressive small cap value fund to a more aggressive one?


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]]> Don McDonald c29ccee2-2eb4-11f1-b6ec-0be44288f4fb Thu, 14 Sep 2023 16:18:25 -0400 1267 false What Good is Gold? What Good is Gold?
Should a home equity line of credit be used to buy a new home?

What's the best way to make a lot, quickly, with both safety and liquidity?

What should be dome with retirement investment money after maxing out retirement plans?

Should I-Bonds be sold now that they're earning less?

After big losses from a brokerage portfolio, what should be done?


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]]>
Should a home equity line of credit be used to buy a new home?

What's the best way to make a lot, quickly, with both safety and liquidity?

What should be dome with retirement investment money after maxing out retirement plans?

Should I-Bonds be sold now that they're earning less?

After big losses from a brokerage portfolio, what should be done?


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]]> Don McDonald a5407736-2eb4-11f1-b6ec-7b8dd8342696 Wed, 13 Sep 2023 16:01:00 -0400 2143 false Who Will Protect You? Who Will Protect You? Listeners want to know:

Why is BND going down in value?

How should unneeded money in IRA be invested?

What do we think about the four-year Bitcoin cycle?


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]]> Listeners want to know:

Why is BND going down in value?

How should unneeded money in IRA be invested?

What do we think about the four-year Bitcoin cycle?


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]]> Don McDonald c870c5f8-2eb4-11f1-b6ec-d775f33a3ede Tue, 12 Sep 2023 13:34:00 -0400 2154 false Your Investment Priorities Your Investment Priorities Is a Fidelity investor limited to their funds, or can a couple of ETFs work?
Is buying individual bonds better than a bond fund?
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]]> Is a Fidelity investor limited to their funds, or can a couple of ETFs work?
Is buying individual bonds better than a bond fund?
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]]> Don McDonald 64e2de72-2eb4-11f1-b6ec-4fe5e4bf6c8a Mon, 11 Sep 2023 16:48:56 -0400 1393 false Saturday Eve Qs and Cs Saturday Eve Qs and Cs
What's the best way to sell gold for an estate and what are the tax ramifications?

What type of 401k is better for charitable contributions?

Those Vanguard transaction fees get paid back into the funds.

Can an index fund be traded, tax-free for an ETF from another firm?


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]]>
What's the best way to sell gold for an estate and what are the tax ramifications?

What type of 401k is better for charitable contributions?

Those Vanguard transaction fees get paid back into the funds.

Can an index fund be traded, tax-free for an ETF from another firm?


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]]> Don McDonald 5228e74a-2eb4-11f1-b6ec-63734a5e7a77 Fri, 08 Sep 2023 16:43:30 -0400 893 false Past Isn't Prologue Past Isn't Prologue Listeners want to know:

Is it better to invest now of dollar-cost average into the stocks market?

What is likely to happen to real estate prices?

Are CDs the place to invest safe dollars?

How can an illiquid investment vehicle be liquidated in an estate?


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]]> Listeners want to know:

Is it better to invest now of dollar-cost average into the stocks market?

What is likely to happen to real estate prices?

Are CDs the place to invest safe dollars?

How can an illiquid investment vehicle be liquidated in an estate?


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]]> Don McDonald 49d8105c-2eb4-11f1-b6ec-7fcd18234d06 Thu, 07 Sep 2023 17:11:12 -0400 2240 false Keep Messing Up Keep Messing Up
Is a 401k plan better than an IRA?

Why did we ignore this 10-year high-yielding CD?

Where should emergency funds be parked?


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]]>
Is a 401k plan better than an IRA?

Why did we ignore this 10-year high-yielding CD?

Where should emergency funds be parked?


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]]> Don McDonald b4fc0316-2eb4-11f1-b6ec-2fa8502f7f1d Wed, 06 Sep 2023 14:54:37 -0400 2142 false Bleak Future for Gen X? Bleak Future for Gen X?
What do we think of "defined outcome" funds?

What is our opinion of 401k investment choices?


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]]>
What do we think of "defined outcome" funds?

What is our opinion of 401k investment choices?


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]]> Don McDonald 96c33ca2-2eb4-11f1-b6ec-afd715c1425a Tue, 05 Sep 2023 12:00:00 -0400 1242 false Pre-Labor Day Q&A Pre-Labor Day Q&A
Would the tax savings from a deductible 401k beat the tax-free aspect of a Roth 401k?

Will savings be adequate to provide income while waiting until age 70 to take Social Security?

Amounts paid out-of-pocket – instead of an HSA – for medical expenses are eligible for early withdrawal.

Does it make sense for a couple with only one money-managing spouse to invest with an advisor?


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]]>
Would the tax savings from a deductible 401k beat the tax-free aspect of a Roth 401k?

Will savings be adequate to provide income while waiting until age 70 to take Social Security?

Amounts paid out-of-pocket – instead of an HSA – for medical expenses are eligible for early withdrawal.

Does it make sense for a couple with only one money-managing spouse to invest with an advisor?


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]]> Don McDonald 4e19a4a0-2eb4-11f1-b6ec-fb90d8c765c8 Fri, 01 Sep 2023 15:16:52 -0400 1127 false Too Large to be Small Too Large to be Small
Would it be better to dump this active Vanguard "fundle" to move to index funds?

Which CD is better: Pays interest at maturity, or pays interest monthly?


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]]>
Would it be better to dump this active Vanguard "fundle" to move to index funds?

Which CD is better: Pays interest at maturity, or pays interest monthly?


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]]> Don McDonald 7d3f7e76-2eb4-11f1-b6ec-535322a9e654 Thu, 31 Aug 2023 15:33:52 -0400 1078 false Can You Bank On Riches? Can You Bank On Riches?
What do we think of a loaded, managed mutual fund portfolio?

What are our thoughts on bond fund durations, and what's a good time frame?

Does taking an extra risk with a retirement portfolio makes sense?

What's our opinion on Schwab's private client services?

How do fiduciary advisors get paid and how much?

What are advisors still recommending bond funds?


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]]>
What do we think of a loaded, managed mutual fund portfolio?

What are our thoughts on bond fund durations, and what's a good time frame?

Does taking an extra risk with a retirement portfolio makes sense?

What's our opinion on Schwab's private client services?

How do fiduciary advisors get paid and how much?

What are advisors still recommending bond funds?


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]]> Don McDonald 40d7bd18-2eb4-11f1-b6ec-c779214cb0e9 Wed, 30 Aug 2023 14:57:00 -0400 2158 false Quacks Like a Commission Quacks Like a Commission
Is FICA charged for income from retirement plan withdrawals?

Will a widow receive the whole capital gains tax exclusion on a primary home sale?


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]]>
Is FICA charged for income from retirement plan withdrawals?

Will a widow receive the whole capital gains tax exclusion on a primary home sale?


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]]> Don McDonald 56deee10-2eb4-11f1-b6ec-87c4fe19cc54 Tue, 29 Aug 2023 14:24:00 -0400 2150 false Be a Famous "Stopped Clock" Be a Famous "Stopped Clock"
Is my partner right to be concerned about my retirement portfolio?

Is is too late to fund a 529 for older kids?


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]]>
Is my partner right to be concerned about my retirement portfolio?

Is is too late to fund a 529 for older kids?


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]]> Don McDonald 64fb5e7a-2eb4-11f1-b6ec-b73e7da7e9fd Mon, 28 Aug 2023 21:23:22 -0400 1154 false More Friday Questions More Friday Questions
Is a friend working with a good advisor?

What's the best way to move money from an appreciated mutual fund to a more tax-advantaged fund?

How does an organization determine the proper risk profile?

How can a a well-diversified ETF portfolio created?

At what age does a custodial IRA need to be turned over to a beneficiary in Washington?

How should an investment property be sold and the proceeds reinvested?


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]]>
Is a friend working with a good advisor?

What's the best way to move money from an appreciated mutual fund to a more tax-advantaged fund?

How does an organization determine the proper risk profile?

How can a a well-diversified ETF portfolio created?

At what age does a custodial IRA need to be turned over to a beneficiary in Washington?

How should an investment property be sold and the proceeds reinvested?


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]]> Don McDonald 4fb48b90-2eb4-11f1-b6ec-d7473827d5be Fri, 25 Aug 2023 17:19:49 -0400 1128 false New No-Risk ETF New No-Risk ETF
How does the new law allowing $35,000 to be moved from a 529 to a Roth IRA work?

How do you adjust the retirement withdrawal rate between a traditional 401k vs. a Roth?



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]]>
How does the new law allowing $35,000 to be moved from a 529 to a Roth IRA work?

How do you adjust the retirement withdrawal rate between a traditional 401k vs. a Roth?



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]]> Don McDonald 73d4b590-2eb4-11f1-b6ec-579d2c964e60 Thu, 24 Aug 2023 16:27:58 -0400 1228 false Retirement Is In Your Hands Retirement Is In Your Hands
Is it better to consider the "30-day SEC yield" or "estimated distrubution" when considering bonds funds?

What is a reasonable fee to pay for a fiduciary investment advisor?

What's the best way to rebalance taxable and retirement accounts?


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]]>
Is it better to consider the "30-day SEC yield" or "estimated distrubution" when considering bonds funds?

What is a reasonable fee to pay for a fiduciary investment advisor?

What's the best way to rebalance taxable and retirement accounts?


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]]> Don McDonald 96013918-2eb4-11f1-b6ec-c7d7324bd7ed Wed, 23 Aug 2023 16:38:33 -0400 2154 false Interest Rates: Up or Down? Interest Rates: Up or Down?
When does it makes sense to buy long-term care insurance versus self insuring?

From a tax-planning what should be done with a hodgepodge portfolio heading into retirement?

Finally, Don discovers that he's been earning one cent a month on small Bank of America savings account while paying $8 a month in fees.
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]]>
When does it makes sense to buy long-term care insurance versus self insuring?

From a tax-planning what should be done with a hodgepodge portfolio heading into retirement?

Finally, Don discovers that he's been earning one cent a month on small Bank of America savings account while paying $8 a month in fees.
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]]> Don McDonald 3a4c911c-2eb4-11f1-b6ec-83ad53443e34 Wed, 23 Aug 2023 14:58:00 -0400 2119 false Loud, Obnoxious, and Amoral Loud, Obnoxious, and Amoral Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3aaab094-2eb4-11f1-b6ec-63ff9fb0bc3b Mon, 21 Aug 2023 13:10:45 -0400 837 false Q Friday, A Q Friday, A
Is there a way to move from one appreciated fund to another without a tax hit?

How many stocks are in AVGE?

What is the best way to give appreciated assets to charity and receive an income?

Is it better to take money out in retirement once a year or by averaging out over the year?


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]]>
Is there a way to move from one appreciated fund to another without a tax hit?

How many stocks are in AVGE?

What is the best way to give appreciated assets to charity and receive an income?

Is it better to take money out in retirement once a year or by averaging out over the year?


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]]> Don McDonald 550d56b2-2eb4-11f1-b6ec-4b1bc6612726 Fri, 18 Aug 2023 15:56:06 -0400 1150 false Passive Leaders Passive Leaders
Should new money be used to rebalance?

In it worth converting a mutual fund to an ETF within an IRA?


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]]>
Should new money be used to rebalance?

In it worth converting a mutual fund to an ETF within an IRA?


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]]> Don McDonald 420e71c2-2eb4-11f1-b6ec-f715a790d390 Thu, 17 Aug 2023 14:43:22 -0400 1313 false Balance Beats Target Balance Beats Target Does it makes sense to start using new Roth option at work versus the old degerred plan?
Is 10 years enough time to invest in a well-diversified portfolio or does a target-date fund make more sense?
Does it makes sense to convert funds in a qualified plan to ETFs?
How can taxes be reduced on portfolio?
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]]> Does it makes sense to start using new Roth option at work versus the old degerred plan?
Is 10 years enough time to invest in a well-diversified portfolio or does a target-date fund make more sense?
Does it makes sense to convert funds in a qualified plan to ETFs?
How can taxes be reduced on portfolio?
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]]> Don McDonald 67314b50-2eb4-11f1-b6ec-77f84790fba8 Wed, 16 Aug 2023 15:46:00 -0400 2065 false Product Peddler Piqued Product Peddler Piqued
How should a conservative retiree be allocating investments?

Looking advice on moving from a 401k to an IRA?

How to invest after maxing out qualified retirement plans?

What should be done with savings at US Bank if they are in trouble?

How can gold coins be sold?


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]]>
How should a conservative retiree be allocating investments?

Looking advice on moving from a 401k to an IRA?

How to invest after maxing out qualified retirement plans?

What should be done with savings at US Bank if they are in trouble?

How can gold coins be sold?


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]]> Don McDonald 70e83226-2eb4-11f1-b6ec-537b03eee987 Tue, 15 Aug 2023 16:45:00 -0400 2094 false Don’s European Vacation Don’s European Vacation After taking his longest vacation in many years, Don share his thoughts about the trip, the ship, and his feelings about vacationing. To follow along with pictures, please visit the podcast on talkingrealmoney.com
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]]> After taking his longest vacation in many years, Don share his thoughts about the trip, the ship, and his feelings about vacationing. To follow along with pictures, please visit the podcast on talkingrealmoney.com
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]]> Don McDonald cd258598-2eb4-11f1-b6ec-df9715bc3e80 Mon, 14 Aug 2023 13:21:00 -0400 1418 false Post Vaca Q&A Post Vaca Q&A
Should a bunch of funds be moved into to new Avantis Value ETF, AVGV?

How should childrens' Roth IRAs be invested?

With Voya as 401k custodian, what should be expected?

Does it make sense to move to a more aggressive target-date fund?

With a 401k in Fidelity Freedom funds, should a Roth IRA be overweighted to small cap?


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]]>
Should a bunch of funds be moved into to new Avantis Value ETF, AVGV?

How should childrens' Roth IRAs be invested?

With Voya as 401k custodian, what should be expected?

Does it make sense to move to a more aggressive target-date fund?

With a 401k in Fidelity Freedom funds, should a Roth IRA be overweighted to small cap?


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]]> Don McDonald 859aab54-2eb4-11f1-b6ec-d367518edbae Fri, 11 Aug 2023 14:32:00 -0400 1268 false Are Homes Too Expensive? Are Homes Too Expensive?
How can I essentially gamble with my retirement money in penny stocks and IPOs?

On track for an early retirement at age 55?


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]]>
How can I essentially gamble with my retirement money in penny stocks and IPOs?

On track for an early retirement at age 55?


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]]> Don McDonald 42b1def2-2eb4-11f1-b6ec-4bf736831662 Thu, 10 Aug 2023 15:50:33 -0400 1225 false Cash Is King? Cash Is King? Then, our listeners want to know:

What should be done with an annuity in a retirement plan?

Does it makes sense to move money from one annuity to another?

What is a qualified annuity trust?

Can an IRA be given to a charity avoiding taxation on distributions?

What's the best way to generate retirement income to delay Social Security?

Does a QCD avoid taxes on an RMD?


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]]> Then, our listeners want to know:

What should be done with an annuity in a retirement plan?

Does it makes sense to move money from one annuity to another?

What is a qualified annuity trust?

Can an IRA be given to a charity avoiding taxation on distributions?

What's the best way to generate retirement income to delay Social Security?

Does a QCD avoid taxes on an RMD?


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]]> Don McDonald 52b4d412-2eb4-11f1-b6ec-97a504f7527b Wed, 09 Aug 2023 15:23:00 -0400 2170 false Moody Money Movements Moody Money Movements
Does it make sense to move from from bond funds to CDs?

Should money be taken from a retirement plan and moved into annuities?

What can be done to make long-term care insurance more understandable?

How can it be determined when to take Social Security?


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]]>
Does it make sense to move from from bond funds to CDs?

Should money be taken from a retirement plan and moved into annuities?

What can be done to make long-term care insurance more understandable?

How can it be determined when to take Social Security?


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]]> Don McDonald 4280f53a-2eb4-11f1-b6ec-13ecb9ba3269 Tue, 08 Aug 2023 18:01:00 -0400 2064 false Answers from Denmark Answers from Denmark
Is there a better way to create a balanced 60/40 portfolio than Fidelity Balanced fund

How to allocate any international portfolio between two American funds?

What's the best way to transfer a 403b annuity to Fidelity?

Is it better to overfund retirement early or low down to keep getting the employer match?


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]]>
Is there a better way to create a balanced 60/40 portfolio than Fidelity Balanced fund

How to allocate any international portfolio between two American funds?

What's the best way to transfer a 403b annuity to Fidelity?

Is it better to overfund retirement early or low down to keep getting the employer match?


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]]> Don McDonald b09d5338-2eb4-11f1-b6ec-2f85d04ace22 Fri, 04 Aug 2023 09:00:00 -0400 1200 false The Social Security Game The Social Security Game
What's the best investment for a 529 education plan?

What are the costs for buying and selling brokered CDs?


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]]>
What's the best investment for a 529 education plan?

What are the costs for buying and selling brokered CDs?


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]]> Don McDonald 53c010ba-2eb4-11f1-b6ec-ab861881ce23 Thu, 03 Aug 2023 09:00:00 -0400 1173 false More Income, Guaranteed More Income, Guaranteed Then on to your questions:

Paul is asked to elaborate on Christine Benz's 3 bucket strategy.

With rates up, should bond money be moved to CDs?

Is it reasonable to pay an investment advisor 1% per year?

What should be done with an inherited IRA at Edward Jones?

What's the best way to catch up on retirement investing later in life?


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]]> Then on to your questions:

Paul is asked to elaborate on Christine Benz's 3 bucket strategy.

With rates up, should bond money be moved to CDs?

Is it reasonable to pay an investment advisor 1% per year?

What should be done with an inherited IRA at Edward Jones?

What's the best way to catch up on retirement investing later in life?


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]]> Don McDonald 542a77e8-2eb4-11f1-b6ec-7fe46894ec3f Wed, 02 Aug 2023 07:45:00 -0400 2155 false Wrong Time for Risk? Wrong Time for Risk? Paul discusses the number one reason to buy index funds and why you should buy when the market is down. He also talks about using target-date funds in conjunction with a small-cap value offering.
Callers ask:

What should a son do with money in his IRA?

Does is makes sense to buy shares of stock in the Atlanta Braves?

Is there a downside to having everything invested with one custodian?


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]]> Paul discusses the number one reason to buy index funds and why you should buy when the market is down. He also talks about using target-date funds in conjunction with a small-cap value offering.
Callers ask:

What should a son do with money in his IRA?

Does is makes sense to buy shares of stock in the Atlanta Braves?

Is there a downside to having everything invested with one custodian?


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]]> Don McDonald 5039ef06-2eb4-11f1-b6ec-9330e46ecc9c Tue, 01 Aug 2023 08:31:00 -0400 2154 false Icelandic Q&A Icelandic Q&A
Does a portfolio of specific date bond ETFs make sense?

Should a 28-year old retirement investor use target-date funds or AVGE?

How much is needed to become our client?

Should retirement money be invested in Schwab Intelligent Portfolios?

With today's high yields do CDs have a place in a retirement portfolio?


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]]>
Does a portfolio of specific date bond ETFs make sense?

Should a 28-year old retirement investor use target-date funds or AVGE?

How much is needed to become our client?

Should retirement money be invested in Schwab Intelligent Portfolios?

With today's high yields do CDs have a place in a retirement portfolio?


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]]> Don McDonald 38db1a92-2eb4-11f1-b6ec-9f43607832cf Fri, 28 Jul 2023 13:21:00 -0400 880 false SPAC'd Out SPAC'd Out Then, on to questions from listeners:

A military member looks for advice on TSP portfolio and wants advice on money in cash accounts.

What's a good three fund strategy for TSP investments?


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]]> Then, on to questions from listeners:

A military member looks for advice on TSP portfolio and wants advice on money in cash accounts.

What's a good three fund strategy for TSP investments?


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]]> Don McDonald 2951f672-2eb4-11f1-b6ec-5754bce4f9fa Thu, 27 Jul 2023 12:22:00 -0400 1180 false Major Money Mistakes Major Money Mistakes Then come the callers:

Does it makes sense to have both a 401k and a Roth IRA and what are the differences?

Have we forgotten about the less tangible aspects of a paid-off mortgage?

What’s the best way to convert a regular IRA to Roth IRA?

Is a Roth 457 better?

What’s the best way to avoid the high fees at Empower?


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]]> Then come the callers:

Does it makes sense to have both a 401k and a Roth IRA and what are the differences?

Have we forgotten about the less tangible aspects of a paid-off mortgage?

What’s the best way to convert a regular IRA to Roth IRA?

Is a Roth 457 better?

What’s the best way to avoid the high fees at Empower?


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]]> Don McDonald 54f46404-2eb4-11f1-b6ec-1f1c7860bdc9 Wed, 26 Jul 2023 05:45:35 -0400 2157 false Tom and the Consumerman Tom and the Consumerman What are the reals costs of mutual funds and ETFs?
How to start working toward a financially secure retirement?
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]]> What are the reals costs of mutual funds and ETFs?
How to start working toward a financially secure retirement?
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]]> Don McDonald c8572e22-2eb4-11f1-b6ec-df12fad5e0b5 Tue, 25 Jul 2023 15:01:00 -0400 2175 false Don's Away Q&A (and C) Don's Away Q&A (and C)
How should an inheritance be invested for a vacation fund?

Is this portfolio allocation too aggressive?

A listener lays out his case for crypto currencies, and Don responds.

What traits should an investor look for in a financial advisor?


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]]>
How should an inheritance be invested for a vacation fund?

Is this portfolio allocation too aggressive?

A listener lays out his case for crypto currencies, and Don responds.

What traits should an investor look for in a financial advisor?


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]]> Don McDonald 566b9528-2eb4-11f1-b6ec-e7378a4daa4c Fri, 21 Jul 2023 12:00:00 -0400 1357 false Larry Swedroe Part 2 Larry Swedroe Part 2 Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3c40ee6e-2eb4-11f1-b6ec-8b5f4d511eb9 Thu, 20 Jul 2023 14:00:00 -0400 1284 false Larry Swedroe Part 1 Larry Swedroe Part 1 Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5843b6dc-2eb4-11f1-b6ec-33611f6b5a1c Wed, 19 Jul 2023 14:29:00 -0400 1020 false Prioritize Retirement Prioritize Retirement Then callers ask:

What should be done with a hodgepodge portfolio?

What can be done with a currently non-deductible disaster loss?

What should be done with the stocks in a company purchase plan?

Still trying to discover the value of some of Warner Bros. stock.

How should a bunch of individual inherited stocks be sold?

Should money be placed in a tax-deferred or taxable account?


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]]> Then callers ask:

What should be done with a hodgepodge portfolio?

What can be done with a currently non-deductible disaster loss?

What should be done with the stocks in a company purchase plan?

Still trying to discover the value of some of Warner Bros. stock.

How should a bunch of individual inherited stocks be sold?

Should money be placed in a tax-deferred or taxable account?


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]]> Don McDonald 480483fa-2eb4-11f1-b6ec-e3fbfd987fed Tue, 18 Jul 2023 16:04:49 -0400 2149 false Beware of Old Rules Beware of Old Rules
What do we think of a Fidelity fund, and where should future investments go?

What should be done with a long-term taxable account?

What's the best way to fund the gap between early retirement and age 59?

What do we think of his financial advisor's advice?



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]]>
What do we think of a Fidelity fund, and where should future investments go?

What should be done with a long-term taxable account?

What's the best way to fund the gap between early retirement and age 59?

What do we think of his financial advisor's advice?



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]]> Don McDonald 5a8b55f8-2eb4-11f1-b6ec-8342f785fdd6 Mon, 17 Jul 2023 14:15:32 -0400 2132 false Another Great Day of Q&A Another Great Day of Q&A
Concerns about the young age of funds like AVGE.

Are Fidelity Enhanced funds like Dimensional and Avantis funds?

With the yield below 4%, should I-Bonds be cashed in and moved to saving accounts?

Which money market yield quote is the right one?

Does it make sense to fo with three funds instead of ten to simplify rebalancing?


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]]>
Concerns about the young age of funds like AVGE.

Are Fidelity Enhanced funds like Dimensional and Avantis funds?

With the yield below 4%, should I-Bonds be cashed in and moved to saving accounts?

Which money market yield quote is the right one?

Does it make sense to fo with three funds instead of ten to simplify rebalancing?


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]]> Don McDonald 76ec9356-2eb4-11f1-b6ec-e7e71d9f5dd9 Fri, 14 Jul 2023 15:51:47 -0400 1224 false Robo Reality Robo Reality Then we hear from listeners:

Praising our help.

Where is a great source for information on taking pensions and annuitization options?

What should be done with a grandchild's investment vehicles and portfolio?


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]]> Then we hear from listeners:

Praising our help.

Where is a great source for information on taking pensions and annuitization options?

What should be done with a grandchild's investment vehicles and portfolio?


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]]> Don McDonald 2f6eed76-2eb4-11f1-b6ec-c79c23330903 Thu, 13 Jul 2023 15:48:58 -0400 1596 false Cancellation Frustration Cancellation Frustration Then, we take your questions:

Isn't rebalancing a form of market timing?

Is a cash-hoarding financial advisor incompetent?


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]]> Then, we take your questions:

Isn't rebalancing a form of market timing?

Is a cash-hoarding financial advisor incompetent?


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]]> Don McDonald 50243d32-2eb4-11f1-b6ec-d3fefde75b94 Wed, 12 Jul 2023 15:06:00 -0400 1393 false Not What You Thought Not What You Thought Callers ask us:

Do stock investments make sense at age 70?

How good are the investments in a broker-designed portfolio?

What do we think of a dividend-centric portfolio? Then, we discuss the pitfalls of a high-income portfolio.


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]]> Callers ask us:

Do stock investments make sense at age 70?

How good are the investments in a broker-designed portfolio?

What do we think of a dividend-centric portfolio? Then, we discuss the pitfalls of a high-income portfolio.


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]]> Don McDonald 46751b12-2eb4-11f1-b6ec-431f2b13a236 Tue, 11 Jul 2023 12:28:22 -0400 2100 false Our Own Worst Enemy Our Own Worst Enemy Callers want to know:

Is there a better parking place for a future home down payment?

Do you need an emergency fund in retirement?

Can money be moved from a regular IRA into a gold IRA?


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]]> Callers want to know:

Is there a better parking place for a future home down payment?

Do you need an emergency fund in retirement?

Can money be moved from a regular IRA into a gold IRA?


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]]> Don McDonald 5d89778a-2eb4-11f1-b6ec-d730d619b677 Mon, 10 Jul 2023 12:54:46 -0400 2100 false Red Hot Qs Red Hot Qs
Vanguard has made another customer angry with their $25 fee and they want to know how to move.

Do these two ETFs provide enough diversification?

After one year in a Kai-Zen Trust, a disillusioned buyer wants to know if he should continue funding it.

What do we think of Dave Ramsey's advice to take Social Security payments at age 62?


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]]>
Vanguard has made another customer angry with their $25 fee and they want to know how to move.

Do these two ETFs provide enough diversification?

After one year in a Kai-Zen Trust, a disillusioned buyer wants to know if he should continue funding it.

What do we think of Dave Ramsey's advice to take Social Security payments at age 62?


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]]> Don McDonald a941f2c4-2eb4-11f1-b6ec-af70e3740fc2 Fri, 07 Jul 2023 16:54:03 -0400 1228 false Student Debt: What Now? Student Debt: What Now? Then, listeners ask:

Should they go ahead and annuitize a variable annuity or move it into an IRA

Is this work 401(k) plan diversified enough?


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]]> Then, listeners ask:

Should they go ahead and annuitize a variable annuity or move it into an IRA

Is this work 401(k) plan diversified enough?


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]]> Don McDonald 402aa5c4-2eb4-11f1-b6ec-1bad834ce0fa Thu, 06 Jul 2023 17:21:18 -0400 1689 false Finally, Good Money News Finally, Good Money News Callers ask about the following:

Flexible withdrawals in retirement planning. We explain how withdrawing a reasonable percentage each year can provide a sustainable income.

Using QLACs (qualified longevity annuity contracts) as a means to avoid RMDs (required minimum distribution).

What are value stocks, and how are they more aggressive?


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]]> Callers ask about the following:

Flexible withdrawals in retirement planning. We explain how withdrawing a reasonable percentage each year can provide a sustainable income.

Using QLACs (qualified longevity annuity contracts) as a means to avoid RMDs (required minimum distribution).

What are value stocks, and how are they more aggressive?


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]]> Don McDonald cdd86438-2eb4-11f1-b6ec-27e857a14345 Mon, 03 Jul 2023 17:17:00 -0400 2097 false Last June Day Q&A Last June Day Q&A
Does it make sense to buy a new home free and clear with the proceeds from the old house?

Which Vanguard bond fund is the best choice?

What are good ETFs in which to start investing overseas?

Are these 401k funds active or passive?


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]]>
Does it make sense to buy a new home free and clear with the proceeds from the old house?

Which Vanguard bond fund is the best choice?

What are good ETFs in which to start investing overseas?

Are these 401k funds active or passive?


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]]> Don McDonald 5656d282-2eb4-11f1-b6ec-1f63d5e38fb7 Fri, 30 Jun 2023 18:56:16 -0400 1033 false Get More From The Banks Get More From The Banks Then, we hear from you:

What should be done with a portfolio of almost 500 individual bonds?

What investing advice do we have for armed services members?


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]]> Then, we hear from you:

What should be done with a portfolio of almost 500 individual bonds?

What investing advice do we have for armed services members?


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]]> Don McDonald 576d4f5c-2eb4-11f1-b6ec-fb04330f251a Thu, 29 Jun 2023 18:22:22 -0400 1578 false Little Do They Know Little Do They Know
If Bitcoin makes simple mathamatical sense as an investment?

What do we think of lightly traded ETFs?


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]]>
If Bitcoin makes simple mathamatical sense as an investment?

What do we think of lightly traded ETFs?


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]]> Don McDonald b5c78040-2eb4-11f1-b6ec-4fdfee1db298 Wed, 28 Jun 2023 17:36:22 -0400 1716 false Retirees Biggest Mistakes Retirees Biggest Mistakes Listeners ask:

How can I be sure that my portfolio reflects my core beliefs?

How should money from a condo sale be invested in retirement?

After losing a job is life insurance still needed?


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]]> Listeners ask:

How can I be sure that my portfolio reflects my core beliefs?

How should money from a condo sale be invested in retirement?

After losing a job is life insurance still needed?


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]]> Don McDonald a62d2d6a-2eb4-11f1-b6ec-8b44f014f58a Tue, 27 Jun 2023 16:38:00 -0400 2135 false Hard to Lose Everything Hard to Lose Everything Listeners ask:

Is a 6 to 7% esoteric bond product a safe way to create retirement income?

What should be done with five non-income producing real estate investments?


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]]> Listeners ask:

Is a 6 to 7% esoteric bond product a safe way to create retirement income?

What should be done with five non-income producing real estate investments?


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]]> Don McDonald 9f535af0-2eb4-11f1-b6ec-2fdcd74779e0 Mon, 26 Jun 2023 17:03:53 -0400 2017 false First Summer Day Q&A First Summer Day Q&A
Is a tax-managed fund better than an ETF?

Is the tax-advantage enough to justify using a real estate ETF in a taxable account?

Should money be move out of an underperformingAvantis ETF?

Would it be smart to move from target-date funds into better performing ETFS?

What's the best place to park short-term money being used for home construction?


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]]>
Is a tax-managed fund better than an ETF?

Is the tax-advantage enough to justify using a real estate ETF in a taxable account?

Should money be move out of an underperformingAvantis ETF?

Would it be smart to move from target-date funds into better performing ETFS?

What's the best place to park short-term money being used for home construction?


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]]> Don McDonald 5dfec102-2eb4-11f1-b6ec-e71690450003 Fri, 23 Jun 2023 18:22:23 -0400 1537 false Boomers Stick with Stocks Boomers Stick with Stocks Then, listeners ask Tom and Don:

Can couples get around the "wash sale rule" by trading in their seperate accounts?

Should a portfolio's missing asset class be purchased slowly or all at once?


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]]> Then, listeners ask Tom and Don:

Can couples get around the "wash sale rule" by trading in their seperate accounts?

Should a portfolio's missing asset class be purchased slowly or all at once?


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]]> Don McDonald bcc33b1e-2eb4-11f1-b6ec-ab952537ec37 Thu, 22 Jun 2023 15:34:28 -0400 1270 false The Dream of Easy Money The Dream of Easy Money Plus, you want to know:

How should a $250,000 nest egg be invested?

Should I ask my broker to help me invest in low-cost index funds and ETFs?


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]]> Plus, you want to know:

How should a $250,000 nest egg be invested?

Should I ask my broker to help me invest in low-cost index funds and ETFs?


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]]> Don McDonald cc135f54-2eb4-11f1-b6ec-1749fd6f5c97 Wed, 21 Jun 2023 17:22:33 -0400 1239 false Confident in Your Company? Confident in Your Company? Listeners stop by to ask:

What should be done with an investment account with Securian?

What do we think of FDIC-insured online banks?

What should be done with a bunch of money that has no stated purpose?


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]]> Listeners stop by to ask:

What should be done with an investment account with Securian?

What do we think of FDIC-insured online banks?

What should be done with a bunch of money that has no stated purpose?


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]]> Don McDonald 2a1de25a-2eb4-11f1-b6ec-ef8384d7fc93 Tue, 20 Jun 2023 17:19:00 -0400 2142 false Better Not Look Better Not Look Listeners want to know:

What kind of impact would moving investments have on average annual returns?

Is paying bills from a checking account or with a credit card better?

What do we think of Vanguard's new $ 25-a-month fee per mutual fund or brokerage account?


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]]> Listeners want to know:

What kind of impact would moving investments have on average annual returns?

Is paying bills from a checking account or with a credit card better?

What do we think of Vanguard's new $ 25-a-month fee per mutual fund or brokerage account?


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]]> Don McDonald 320731b0-2eb4-11f1-b6ec-a3578406c204 Mon, 19 Jun 2023 17:41:00 -0400 2035 false QnAday QnAday
Is it true you can live off of capital gains tax-free?

How should young adults' Roth IRAs be invested?

What do we think of the cash product from MassMutual's "Flourish" program?

Does monthly rebalancing make sense?


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]]>
Is it true you can live off of capital gains tax-free?

How should young adults' Roth IRAs be invested?

What do we think of the cash product from MassMutual's "Flourish" program?

Does monthly rebalancing make sense?


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]]> Don McDonald 5785c8a2-2eb4-11f1-b6ec-2fd3e6629729 Fri, 16 Jun 2023 17:11:40 -0400 1086 false Senior Stress Source Senior Stress Source
Sharing a trick to own the market without using ETFs or funds.

Is Morningstar a good source to research funds recommended by my LPL advisor?



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]]>
Sharing a trick to own the market without using ETFs or funds.

Is Morningstar a good source to research funds recommended by my LPL advisor?



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]]> Don McDonald c18455c0-2eb4-11f1-b6ec-97beeb869a2f Thu, 15 Jun 2023 16:29:10 -0400 1303 false Bond Investing Torture? Bond Investing Torture?
Will returns rise if you never rebalance your portfolio?

A salesperson suggests moving an old 403b to his Roth IRA. Should I ask if he's a fiduciary?


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]]>
Will returns rise if you never rebalance your portfolio?

A salesperson suggests moving an old 403b to his Roth IRA. Should I ask if he's a fiduciary?


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]]> Don McDonald 2e7deb38-2eb4-11f1-b6ec-5fa456dfa85e Wed, 14 Jun 2023 18:10:00 -0400 1230 false Money Media Mess Money Media Mess Then a listener:
Shares his Tesla excitement, and we explain our concerns about owning Tesla or any other individual stock.

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]]> Then a listener:
Shares his Tesla excitement, and we explain our concerns about owning Tesla or any other individual stock.

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]]> Don McDonald 357b8ce2-2eb4-11f1-b6ec-c78bcc6ae165 Tue, 13 Jun 2023 17:25:29 -0400 2091 false Bovine Victory Bovine Victory Then listeners ask:

How can an investor in a Fidelity retirement plan invest in international small-cap value stocks?

What can be done with an old annuity that is slow to pay out assets to the owner?


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]]> Then listeners ask:

How can an investor in a Fidelity retirement plan invest in international small-cap value stocks?

What can be done with an old annuity that is slow to pay out assets to the owner?


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]]> Don McDonald 50ab4d5e-2eb4-11f1-b6ec-9385332bcce6 Mon, 12 Jun 2023 17:14:00 -0400 2036 false Questions, Comments, Answers Questions, Comments, Answers
Praise for Vanguard's customer service.

Taking us to task over life insurance advice.

How to invest when Roth ineligible?

What would happen if Apple failed?


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]]>
Praise for Vanguard's customer service.

Taking us to task over life insurance advice.

How to invest when Roth ineligible?

What would happen if Apple failed?


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]]> Don McDonald a289108e-2eb4-11f1-b6ec-2bdc801031e4 Fri, 09 Jun 2023 17:40:16 -0400 1300 false Invest Everywhere Invest Everywhere Listeners want to know:

If it makes sense for a child to skip collge and go directly to a trade?

Is it okay to invest in Avantis ETFs like AVGE?


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]]> Listeners want to know:

If it makes sense for a child to skip collge and go directly to a trade?

Is it okay to invest in Avantis ETFs like AVGE?


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]]> Don McDonald 71e8d086-2eb4-11f1-b6ec-dbec37db9568 Thu, 08 Jun 2023 14:20:17 -0400 1441 false Rolling the AI Dice Rolling the AI Dice Listeners want to know:

What do we think of the Oxford Club's 200+% return bond trading strategy?

Why own international stocks when the US has done so well?


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]]> Listeners want to know:

What do we think of the Oxford Club's 200+% return bond trading strategy?

Why own international stocks when the US has done so well?


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]]> Don McDonald b3e8d2f6-2eb4-11f1-b6ec-7b9a3509e292 Wed, 07 Jun 2023 16:02:02 -0400 1660 false They Raised the Roof They Raised the Roof Listeners ask:

What do we think of a Vanguard advisor's portfolio recommendations?

What should be done with some excess cash? Bonds or annuities?

Should a hodgepodge be reallocated to just two ETFs?


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]]> Listeners ask:

What do we think of a Vanguard advisor's portfolio recommendations?

What should be done with some excess cash? Bonds or annuities?

Should a hodgepodge be reallocated to just two ETFs?


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]]> Don McDonald 6dc96be6-2eb4-11f1-b6ec-bbbf94458888 Mon, 05 Jun 2023 17:41:07 -0400 2085 false Four Question Friday Four Question Friday
What should be done with some old, expensive funds in a Roth?

Does a pre-tax retirement contribution reduce Social Security earnings penalties?

Does it make sense to use RMDs to make charitable contributions?

Is an expensive, actively managed small-cap value fund better, and do target-date funds have hidden fees?


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]]>
What should be done with some old, expensive funds in a Roth?

Does a pre-tax retirement contribution reduce Social Security earnings penalties?

Does it make sense to use RMDs to make charitable contributions?

Is an expensive, actively managed small-cap value fund better, and do target-date funds have hidden fees?


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]]> Don McDonald a8afd056-2eb4-11f1-b6ec-770026db9290 Fri, 02 Jun 2023 17:09:16 -0400 1149 false Discussing Real Money Discussing Real Money Then, listeners want to know:

Do we agree with Paul Merriman's equally divided 10-fund portfolio?

How should an HSA be invested and in how many funds?


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]]> Then, listeners want to know:

Do we agree with Paul Merriman's equally divided 10-fund portfolio?

How should an HSA be invested and in how many funds?


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]]> Don McDonald a8356456-2eb4-11f1-b6ec-e7c060ed8b69 Thu, 01 Jun 2023 15:56:37 -0400 1268 false Avoid Their Mistakes Avoid Their Mistakes An almost record number of listeners ask:

How is my Vanguard international fund up almost 100%?

Does Fidelity or Schwab offer a globally-diversified total market index fund?

Will old baby boomers selling stock in retirement destroy the stock market?

Is there a place to find forgotten company retirement plans?

What do we think of the Washington state capital gains tax?

Why do we discourage investors from trying to "buy the dip?"

What should be done with a rental property in retirement?

What's the best way to move out of real estate and into a more diversified portfolio?





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]]> An almost record number of listeners ask:

How is my Vanguard international fund up almost 100%?

Does Fidelity or Schwab offer a globally-diversified total market index fund?

Will old baby boomers selling stock in retirement destroy the stock market?

Is there a place to find forgotten company retirement plans?

What do we think of the Washington state capital gains tax?

Why do we discourage investors from trying to "buy the dip?"

What should be done with a rental property in retirement?

What's the best way to move out of real estate and into a more diversified portfolio?





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]]> Don McDonald b8fd696e-2eb4-11f1-b6ec-075188bf080f Wed, 31 May 2023 17:34:21 -0400 2161 false You Really Don't Know You Really Don't Know
How to move from Edward Jones to Vanguard?

Are 10-year CDs better than the Vanguard Total Bond Index ETF?

Then, we get our holiday weekend drunk caller.


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]]>
How to move from Edward Jones to Vanguard?

Are 10-year CDs better than the Vanguard Total Bond Index ETF?

Then, we get our holiday weekend drunk caller.


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]]> Don McDonald c2706276-2eb4-11f1-b6ec-db838c0041eb Tue, 30 May 2023 18:13:36 -0400 2088 false Pre-Holiday Q&A Pre-Holiday Q&A
What is a P/E ratio, and why are some so much lower than "the market's?"

Which is better for future taxation, pre-tax accounts or Roths?

With some parental seed money, how much could be in a retirement account in 40 years?

Does it make sense to borrow for a big purchase or pay cash?

What can be done with mediocre, high-commission investments in a non-profit's endowment?


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]]>
What is a P/E ratio, and why are some so much lower than "the market's?"

Which is better for future taxation, pre-tax accounts or Roths?

With some parental seed money, how much could be in a retirement account in 40 years?

Does it make sense to borrow for a big purchase or pay cash?

What can be done with mediocre, high-commission investments in a non-profit's endowment?


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]]> Don McDonald b00a9e9e-2eb4-11f1-b6ec-6fec10d07dca Fri, 26 May 2023 18:20:00 -0400 1657 false Debt Ceiling Danger? Debt Ceiling Danger? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald caefbf14-2eb4-11f1-b6ec-33dc42a51f79 Thu, 25 May 2023 15:09:51 -0400 1766 false Real Estate Riches? Real Estate Riches? Listeners wonder:

What do we think of artificial intelligence?

How much small cap is appropriate for a portfolio?


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]]> Listeners wonder:

What do we think of artificial intelligence?

How much small cap is appropriate for a portfolio?


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]]> Don McDonald 310b28e8-2eb4-11f1-b6ec-23bd13aae6d8 Wed, 24 May 2023 17:14:47 -0400 1336 false Gold and Real Estate Better? Gold and Real Estate Better?
What should be done with the profits from a home sale?

What do the regular stock market reports mean?

With ETFs and funds are there crappy ones and good ones?

What would our firm do with a client who needed an insurance product?

What do we think of a particular bank and cash investing, in general?

Is Tesla stock a smart investment?

Does a target date fund make sense for simplfying portfolio?


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]]>
What should be done with the profits from a home sale?

What do the regular stock market reports mean?

With ETFs and funds are there crappy ones and good ones?

What would our firm do with a client who needed an insurance product?

What do we think of a particular bank and cash investing, in general?

Is Tesla stock a smart investment?

Does a target date fund make sense for simplfying portfolio?


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]]> Don McDonald 3af4e696-2eb4-11f1-b6ec-2bf4f6d52aac Tue, 23 May 2023 16:34:10 -0400 2150 false Dow or Total Market? Dow or Total Market? Listeners ask:

After discovering how much was being paid for funds through a broker, is there any reason to keep the expensive funds?

How can a participant figure out how much is being paid for the plan?

Does cash-value whole life ever make sense compared to other investments?


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]]> Listeners ask:

After discovering how much was being paid for funds through a broker, is there any reason to keep the expensive funds?

How can a participant figure out how much is being paid for the plan?

Does cash-value whole life ever make sense compared to other investments?


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]]> Don McDonald 3e25c696-2eb4-11f1-b6ec-ef5378038c61 Mon, 22 May 2023 17:18:04 -0400 2153 false Give Me Your Questions... Give Me Your Questions...
The wisdom of paying off a mortgage early?

Our opinion of Paul Merriman's flexible withdrawal strategy?

Would AVGE be better than VT?

Taking Social Security early to save funds for a child's inheritance?

Firing advisor and moving into active funds as opposed to other balanced funds?

Taking a pension now or waiting?


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]]>
The wisdom of paying off a mortgage early?

Our opinion of Paul Merriman's flexible withdrawal strategy?

Would AVGE be better than VT?

Taking Social Security early to save funds for a child's inheritance?

Firing advisor and moving into active funds as opposed to other balanced funds?

Taking a pension now or waiting?


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]]> Don McDonald 9b0ee946-2eb4-11f1-b6ec-ebc814e58f8c Fri, 19 May 2023 17:19:00 -0400 1578 false Windfall Planning Windfall Planning
How do we avoid bad companies in our client's portfolios?

Does it make sense to move from a target-date fund to a total market index?


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]]>
How do we avoid bad companies in our client's portfolios?

Does it make sense to move from a target-date fund to a total market index?


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]]> Don McDonald 736a7644-2eb4-11f1-b6ec-ef65b5fe0e38 Thu, 18 May 2023 16:59:47 -0400 1638 false Less Active Management Less Active Management Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 94ea5dca-2eb4-11f1-b6ec-3371320ed4ff Wed, 17 May 2023 17:22:00 -0400 1873 false Fee Clarity is Critical Fee Clarity is Critical
Is there a way to set up a 401k transfer before leaving a firm?

How can misplaced IRA funds be recovered?

Where are all the jobs?

Thanks for a great show.

Would the total market or a small-cap value fund be a better investment?


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]]>
Is there a way to set up a 401k transfer before leaving a firm?

How can misplaced IRA funds be recovered?

Where are all the jobs?

Thanks for a great show.

Would the total market or a small-cap value fund be a better investment?


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]]> Don McDonald 51452960-2eb4-11f1-b6ec-6b148685ce81 Tue, 16 May 2023 17:24:09 -0400 2142 false Monkey Money Managers? Monkey Money Managers? Then, we hear from a few of you:

How much do dual-registered advisors actually charge?

Does it make sense to pay off a very low-interest mortgage?

How much should be invested in an international ETF?

Why do so few investors use indexed bond funds?

Is Empower really acting as a fiduciary all the time?


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]]> Then, we hear from a few of you:

How much do dual-registered advisors actually charge?

Does it make sense to pay off a very low-interest mortgage?

How much should be invested in an international ETF?

Why do so few investors use indexed bond funds?

Is Empower really acting as a fiduciary all the time?


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Questions? Comments? Click!

]]> Don McDonald b912ad92-2eb4-11f1-b6ec-3731daff7b37 Mon, 15 May 2023 16:37:00 -0400 2099 false Big Day for Q&A Big Day for Q&A
When should a portfolio be rebalanced?

What is the difference between VT and VTWAX?

Her CFP uses Pershing. Are they okay?

Where should a small child's UTMA be invested?

Where should emergcy money be invested for safety?

How to we feel about Rick Ferri saying that small cap value investing has failed?


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]]>
When should a portfolio be rebalanced?

What is the difference between VT and VTWAX?

Her CFP uses Pershing. Are they okay?

Where should a small child's UTMA be invested?

Where should emergcy money be invested for safety?

How to we feel about Rick Ferri saying that small cap value investing has failed?


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]]> Don McDonald ca8c7ff8-2eb4-11f1-b6ec-772910b4ea08 Fri, 12 May 2023 18:25:46 -0400 1700 false Nobody's That Smart Nobody's That Smart Then, we hear from listeners:

Is there a need for an internation fund other than the I Fund in the Thrift Savings Plan?

Can taxes be avoided by moving from the Vanguard S&P 500 mutual fund to their S&P 500 ETF?


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]]> Then, we hear from listeners:

Is there a need for an internation fund other than the I Fund in the Thrift Savings Plan?

Can taxes be avoided by moving from the Vanguard S&P 500 mutual fund to their S&P 500 ETF?


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]]> Don McDonald 45bfddc4-2eb4-11f1-b6ec-3b3de73bc2ed Thu, 11 May 2023 17:08:20 -0400 1070 false How Much Can You Spend? How Much Can You Spend? Listeners ask:

What kinds of investments should a young investor have in a retirement account?

Are personalized portfolios better than target dates funds?

Should an investor be concerned about California bonds in a muni fund?


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]]> Listeners ask:

What kinds of investments should a young investor have in a retirement account?

Are personalized portfolios better than target dates funds?

Should an investor be concerned about California bonds in a muni fund?


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]]> Don McDonald 7fea97c8-2eb4-11f1-b6ec-db18b8392773 Wed, 10 May 2023 17:40:47 -0400 1176 false Worried About Banks? Worried About Banks? Listeners wonder:

What would have happened if you invested at the highest point of stock market every year?

What is the best way to buy gold?

Should investors consider investing in high yileding structured notes?

Do Schwab intelligent portfolios make sense?


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]]> Listeners wonder:

What would have happened if you invested at the highest point of stock market every year?

What is the best way to buy gold?

Should investors consider investing in high yileding structured notes?

Do Schwab intelligent portfolios make sense?


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]]> Don McDonald 5e31d6aa-2eb4-11f1-b6ec-2fbd66e10e92 Tue, 09 May 2023 17:30:11 -0400 2137 false Better Than a Coronation? Better Than a Coronation? Then our listeners ask:

How much is needed to retire comfortably?

How do we feel about "direct indexing?"

How can Roth funds be used for emergencies?

Does a Texas gold-backed debit card make sense or serve any purpose?


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]]> Then our listeners ask:

How much is needed to retire comfortably?

How do we feel about "direct indexing?"

How can Roth funds be used for emergencies?

Does a Texas gold-backed debit card make sense or serve any purpose?


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]]> Don McDonald 5d05cd04-2eb4-11f1-b6ec-d3f59434a48f Mon, 08 May 2023 17:52:00 -0400 2155 false Viernes Preguntas Viernes Preguntas
Should the funds be inside both a regular and Roth IRA?

Should siblings' contributions to mother's care be tracked, and what might happen if they help mom?

Does the rate on I-Bonds remain the same for their entire term?

Is it okay to go ahead and fund a backdoor IRA early in the year?

Do the ERISA protections make keeping an old employer's 401k?

From which accounts should college money be withdrawn first?


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]]>
Should the funds be inside both a regular and Roth IRA?

Should siblings' contributions to mother's care be tracked, and what might happen if they help mom?

Does the rate on I-Bonds remain the same for their entire term?

Is it okay to go ahead and fund a backdoor IRA early in the year?

Do the ERISA protections make keeping an old employer's 401k?

From which accounts should college money be withdrawn first?


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]]> Don McDonald 326171ac-2eb4-11f1-b6ec-47bfb0ce7b92 Fri, 05 May 2023 17:13:00 -0400 1387 false Hungry for Great Investing? Hungry for Great Investing? Two listeners ask us different questions about Health Savings Accounts (HSAs).
Then, we veer way off topic as we talk about visiting Omaha, Nebraska, and its top attractions.
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]]> Two listeners ask us different questions about Health Savings Accounts (HSAs).
Then, we veer way off topic as we talk about visiting Omaha, Nebraska, and its top attractions.
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]]> Don McDonald add3fa12-2eb4-11f1-b6ec-bb5398af4447 Thu, 04 May 2023 16:52:00 -0400 1335 false They Make Stuff Up They Make Stuff Up Plus, a listener asks:
What does this portfolio need for better diversification?

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]]> Plus, a listener asks:
What does this portfolio need for better diversification?

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]]> Don McDonald 57fce158-2eb4-11f1-b6ec-7fd52db138aa Wed, 03 May 2023 16:09:19 -0400 1130 false Still Not Ready to Retire? Still Not Ready to Retire?
Want to know what to do with undeeded IRA RMDs?

Warn about the hazards of not paying estimated taxes on a big capital gain.

Shares how he converted an Edward Jones account into a fee-only service.


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]]>
Want to know what to do with undeeded IRA RMDs?

Warn about the hazards of not paying estimated taxes on a big capital gain.

Shares how he converted an Edward Jones account into a fee-only service.


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]]> Don McDonald 45762e0e-2eb4-11f1-b6ec-5b25a4478cb3 Tue, 02 May 2023 18:09:00 -0400 2094 false Not Ready to Retire? Not Ready to Retire?
Is there a deadline during the day for canceling a mutual fund trade?

Are we heading for economic trouble?

How much of an annuity will need to be withdrawn for RMD?

How bad is my financial situation?


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]]>
Is there a deadline during the day for canceling a mutual fund trade?

Are we heading for economic trouble?

How much of an annuity will need to be withdrawn for RMD?

How bad is my financial situation?


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]]> Don McDonald 6bdf31ee-2eb4-11f1-b6ec-5bdafc3c7d05 Mon, 01 May 2023 18:23:00 -0400 2073 false Quanan Day Quanan Day
What is Phoenix Capital, and how can they offer 9-12% yields?

How much of BND is in long-term bonds?

How should a portfolio be rebalanced to add a REIT fund?

Should a bonus go into a 401k and does it make sense to convert to a Roth?

Should old 401ks be moved into a new John Hancock managed 401k plan?

Plus, a bit of additional information about crypto creation.


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]]>
What is Phoenix Capital, and how can they offer 9-12% yields?

How much of BND is in long-term bonds?

How should a portfolio be rebalanced to add a REIT fund?

Should a bonus go into a 401k and does it make sense to convert to a Roth?

Should old 401ks be moved into a new John Hancock managed 401k plan?

Plus, a bit of additional information about crypto creation.


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]]> Don McDonald 75ab39ac-2eb4-11f1-b6ec-2f9d303786bb Fri, 28 Apr 2023 18:24:21 -0400 1411 false Playing the Rate Game Playing the Rate Game Listers want to know:

What do we think of Paul Merriman's target date and small-cap fund strategy?

Does it make sense to test the five biggest brokers by giving each a whopping $1,000 to invest?


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]]> Listers want to know:

What do we think of Paul Merriman's target date and small-cap fund strategy?

Does it make sense to test the five biggest brokers by giving each a whopping $1,000 to invest?


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]]> Don McDonald c1c9edec-2eb4-11f1-b6ec-0bddb999b736 Thu, 27 Apr 2023 13:09:28 -0400 1526 false On Doing Nothing On Doing Nothing We hear from listeners:

What is our opinion of Mint and Nerdwallet and are they safe?

Is another firm with a financial podcast worth considering?


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]]> We hear from listeners:

What is our opinion of Mint and Nerdwallet and are they safe?

Is another firm with a financial podcast worth considering?


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]]> Don McDonald 46eb1cea-2eb4-11f1-b6ec-5f5bddf06611 Wed, 26 Apr 2023 17:47:44 -0400 1684 false Volatility: What to Do? Volatility: What to Do? Our listeners ask us:

How should assets be consolidated for upcoming retirement?

What should be done to create a backdoor IRA with an excess contribution?

Which Vanguard fund should replace an American Funds tax-free fund?

How safe is Schwab as an investment advisory firm's custodian?

What should be done with an old employer's 401k?


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]]> Our listeners ask us:

How should assets be consolidated for upcoming retirement?

What should be done to create a backdoor IRA with an excess contribution?

Which Vanguard fund should replace an American Funds tax-free fund?

How safe is Schwab as an investment advisory firm's custodian?

What should be done with an old employer's 401k?


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]]> Don McDonald c3ebc7e4-2eb4-11f1-b6ec-eb2ca5a2576a Tue, 25 Apr 2023 17:36:00 -0400 2187 false Buy or Rent the Dream? Buy or Rent the Dream? Plus, Tom takes calls about:

The effect of joint tenancy on estate taxes.

The tax advantage of ETFs over mutual funds.

Should a cash account be moved into qualified dividend stocks?

Does it make sense to invest in a high-yielding real estate trust?

Are there any decent money newsletters?


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]]> Plus, Tom takes calls about:

The effect of joint tenancy on estate taxes.

The tax advantage of ETFs over mutual funds.

Should a cash account be moved into qualified dividend stocks?

Does it make sense to invest in a high-yielding real estate trust?

Are there any decent money newsletters?


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]]> Don McDonald 2ec45852-2eb4-11f1-b6ec-b3a5b93e0668 Mon, 24 Apr 2023 18:06:00 -0400 2098 false Money and Marriage Questions Money and Marriage Questions
A young investor seeks our portfolio blessing.

Does a Merriman-suggested ETF make sense to own?

Should he keep shoveling money into savings?

Do RMDs impact Social Security taxation?

In which types of accounts should various assets be located?

Is this a strategy to avoid backdoor IRA taxes?

Don is called on to settle a couple's dispute about annuities.


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]]>
A young investor seeks our portfolio blessing.

Does a Merriman-suggested ETF make sense to own?

Should he keep shoveling money into savings?

Do RMDs impact Social Security taxation?

In which types of accounts should various assets be located?

Is this a strategy to avoid backdoor IRA taxes?

Don is called on to settle a couple's dispute about annuities.


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]]> Don McDonald bcf2afb6-2eb4-11f1-b6ec-3b9446c37d3f Fri, 21 Apr 2023 18:15:40 -0400 1596 false Gold Bugs...Us Gold Bugs...Us Then we hear from some of you, wondering:

Why do we suggest AVUV when it's an "active" ETF?

If an individual fixed-income investor can beat a bond fund or ETF?


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]]> Then we hear from some of you, wondering:

Why do we suggest AVUV when it's an "active" ETF?

If an individual fixed-income investor can beat a bond fund or ETF?


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]]> Don McDonald 2edbf00c-2eb4-11f1-b6ec-0bb59c9d8799 Thu, 20 Apr 2023 17:42:00 -0400 1321 false Cash Beats Stocks? Cash Beats Stocks? Then we hear from listeners:

Does it make sense to move money from a Vanguard S&P 500 fine to the identical ETF?

Should a bond fund be added to a diversified equity portfolio at work?


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]]> Then we hear from listeners:

Does it make sense to move money from a Vanguard S&P 500 fine to the identical ETF?

Should a bond fund be added to a diversified equity portfolio at work?


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]]> Don McDonald 365a6552-2eb4-11f1-b6ec-67a56f3c4227 Wed, 19 Apr 2023 18:01:39 -0400 1261 false Avoid Two Hat Advisors Avoid Two Hat Advisors Listeners ask:

In which types of accounts should various investments be held?

Which is better: Fidelity or Vanguard?

Should we be buying bank stocks right now?

Can securities be sold by a new broker?


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]]> Listeners ask:

In which types of accounts should various investments be held?

Which is better: Fidelity or Vanguard?

Should we be buying bank stocks right now?

Can securities be sold by a new broker?


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]]> Don McDonald 5aa3a220-2eb4-11f1-b6ec-7bde1b14c59a Tue, 18 Apr 2023 15:57:24 -0400 1709 false Can't Beat 'Em Can't Beat 'Em Callers join in to:

Praise the show.

Is there way to reduce taxes on an investment property sale?

What should be done with an extra $20K?

What are the tax advantages of putting your life in an LLC?

What should be done with some Ferrari stock?


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]]> Callers join in to:

Praise the show.

Is there way to reduce taxes on an investment property sale?

What should be done with an extra $20K?

What are the tax advantages of putting your life in an LLC?

What should be done with some Ferrari stock?


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]]> Don McDonald 6e13ff9e-2eb4-11f1-b6ec-13f9ec5e017d Mon, 17 Apr 2023 10:25:36 -0400 2207 false Another Day of Questions, Answered Another Day of Questions, Answered
How do I know who is a true fiduciary?

What's our opinion of "Infinity Investing?"

Where can I look up financial advisors?

What should be done with an inheritance?

Why do we like the flexible withdrawal strategy for retirement income?


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]]>
How do I know who is a true fiduciary?

What's our opinion of "Infinity Investing?"

Where can I look up financial advisors?

What should be done with an inheritance?

Why do we like the flexible withdrawal strategy for retirement income?


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]]> Don McDonald 5130f42c-2eb4-11f1-b6ec-6f5d06e9b4e3 Fri, 14 Apr 2023 18:18:18 -0400 1603 false Q&A on Thursday? Q&A on Thursday?
How do you get out of a bunch of individual stocks?

What should be done with too much of a single stock in a retirement portfolio?

What is a good place to "safely" invest for retirement?

How will smaller bank spreads affect the market?

How can someone eventually retire with no assets except an almost paid-off home?


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]]>
How do you get out of a bunch of individual stocks?

What should be done with too much of a single stock in a retirement portfolio?

What is a good place to "safely" invest for retirement?

How will smaller bank spreads affect the market?

How can someone eventually retire with no assets except an almost paid-off home?


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]]> Don McDonald c12a4f26-2eb4-11f1-b6ec-f7dca742d42d Thu, 13 Apr 2023 17:58:03 -0400 1366 false Tax Free Retirement Income Tax Free Retirement Income Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ba888eb2-2eb4-11f1-b6ec-3b760cebcaf1 Wed, 12 Apr 2023 15:26:58 -0400 1372 false Things to Do Now Things to Do Now
How do you get restarted on a retirement investment path?

Will other world currencies supplant the US Dollar?

What do we think of these two stocks?


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]]>
How do you get restarted on a retirement investment path?

Will other world currencies supplant the US Dollar?

What do we think of these two stocks?


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]]> Don McDonald b996226c-2eb4-11f1-b6ec-739208bd17a3 Tue, 11 Apr 2023 19:17:10 -0400 2122 false Despicable Investments Despicable Investments
Cryptocurrencies

Variable and Indexed annuities

Options

and more.


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]]>
Cryptocurrencies

Variable and Indexed annuities

Options

and more.


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]]> Don McDonald 3a79ecfc-2eb4-11f1-b6ec-4b6e395e0db7 Mon, 10 Apr 2023 17:19:13 -0400 2088 false A Great Day of Q&A A Great Day of Q&A
What happens if an exchange-traded fund (ETF) sponsor goes bankrupt?

Can a Roth IRA conversion count as a required minimum distribution (RMD)?

Should old retirement plans be moved into the new plan?

After moving from Ed Jones to Schwab, where should some extra money be invested?

Does a precious metals fund belong in a diversified portfolio?


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]]>
What happens if an exchange-traded fund (ETF) sponsor goes bankrupt?

Can a Roth IRA conversion count as a required minimum distribution (RMD)?

Should old retirement plans be moved into the new plan?

After moving from Ed Jones to Schwab, where should some extra money be invested?

Does a precious metals fund belong in a diversified portfolio?


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]]> Don McDonald 2bcdcb10-2eb4-11f1-b6ec-8f6913983757 Fri, 07 Apr 2023 17:00:10 -0400 1437 false Dividend Strategy Debunked Dividend Strategy Debunked Then, we hear from two listeners:

What should be done with a windfall that will eventually go into an IRA?

A trick to avoid the "pro rata rule" for backdoor Roths.


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]]> Then, we hear from two listeners:

What should be done with a windfall that will eventually go into an IRA?

A trick to avoid the "pro rata rule" for backdoor Roths.


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]]> Don McDonald 34139dae-2eb4-11f1-b6ec-cf5142bef641 Thu, 06 Apr 2023 17:26:47 -0400 1080 false Your Timing Stinks Your Timing Stinks Plus, listeners ask:

Where should I put some new money? Is Ally safe?

Is it normal for a credit union to limit how much cash you can withdraw?


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]]> Plus, listeners ask:

Where should I put some new money? Is Ally safe?

Is it normal for a credit union to limit how much cash you can withdraw?


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]]> Don McDonald a9fafb16-2eb4-11f1-b6ec-17fc6787f48b Wed, 05 Apr 2023 17:35:34 -0400 1240 false What You Must Know - Part Two What You Must Know - Part Two Plus, we hear from a slew of listeners:

What should be done with poor-performing investments?

Some fiduciaries don't always act in your best interests.

Why can't an advisor get the fund wanted, and should you even invest in a sector fund?

What could be wrong with owning a portfolio of just dividend-producing stocks?


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]]> Plus, we hear from a slew of listeners:

What should be done with poor-performing investments?

Some fiduciaries don't always act in your best interests.

Why can't an advisor get the fund wanted, and should you even invest in a sector fund?

What could be wrong with owning a portfolio of just dividend-producing stocks?


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]]> Don McDonald 380b6126-2eb4-11f1-b6ec-b765411c89f1 Tue, 04 Apr 2023 17:38:00 -0400 2139 false What You Must Know - Part One What You Must Know - Part One
For help looking up his fee structure and an ADV Part Two. You'll be shocked at what we found.

Seeking the best plan for reducing company ESOP stock holdings.

Wondering why a bank would limit the amount of cash allowed to be withdrawn.


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]]>
For help looking up his fee structure and an ADV Part Two. You'll be shocked at what we found.

Seeking the best plan for reducing company ESOP stock holdings.

Wondering why a bank would limit the amount of cash allowed to be withdrawn.


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]]> Don McDonald a3ddf4e0-2eb4-11f1-b6ec-fb36bf37a80f Mon, 03 Apr 2023 18:54:04 -0400 2060 false More of Your Questions More of Your Questions
Does this "granular" DIY portfolio make sense?

Why would he even consider suggesting a reverse mortgage?

What should be done with a portfolio that has always lost money?

Is there any trick to rescue a Backdoor Roth from ponderous taxes?

Does it make sense to build a 5-year income ladder with fixed annuities?


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]]>
Does this "granular" DIY portfolio make sense?

Why would he even consider suggesting a reverse mortgage?

What should be done with a portfolio that has always lost money?

Is there any trick to rescue a Backdoor Roth from ponderous taxes?

Does it make sense to build a 5-year income ladder with fixed annuities?


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]]> Don McDonald 5c8f44f4-2eb4-11f1-b6ec-236ae4f1bd78 Fri, 31 Mar 2023 18:01:00 -0400 1475 false Never Ending Subscriptions Never Ending Subscriptions
What should I expect from a wealth manager?

Which assets should be in what kind of account?


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]]>
What should I expect from a wealth manager?

Which assets should be in what kind of account?


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]]> Don McDonald 3e0e667c-2eb4-11f1-b6ec-f32f8b7c2c14 Thu, 30 Mar 2023 18:15:21 -0400 1295 false Awful Annuity "Guarantees" Awful Annuity "Guarantees" Then, a listener asks: Why don't we suggest Roth IRAs for everyone?
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]]> Then, a listener asks: Why don't we suggest Roth IRAs for everyone?
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]]> Don McDonald 54dbeaaa-2eb4-11f1-b6ec-eb1cdcbff282 Wed, 29 Mar 2023 18:08:03 -0400 1421 false ...Not the Market ...Not the Market Listeners want to know:

What do some of the numbers mean for ETF market quotes?

Do DFA funds charge 12b-1 fees?

How is a transfer from a regular IRA to a Roth reported?

What is the difference between investing with an insurance agent versus a fee-only advisor?

What should be done with some unexpected money?

What's the best way to talk with a friend about "real" investing?


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]]> Listeners want to know:

What do some of the numbers mean for ETF market quotes?

Do DFA funds charge 12b-1 fees?

How is a transfer from a regular IRA to a Roth reported?

What is the difference between investing with an insurance agent versus a fee-only advisor?

What should be done with some unexpected money?

What's the best way to talk with a friend about "real" investing?


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]]> Don McDonald d20810e4-2eb4-11f1-b6ec-c7a8bc858188 Tue, 28 Mar 2023 18:13:12 -0400 2307 false Money in Motion Money in Motion We hear from listeners:

With some investing advice.

How to check out a Vanguard advisor?

How to derive tax breaks from unleveraged investmet property?

Looking for our opinion of Vanguard target date funds.


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]]> We hear from listeners:

With some investing advice.

How to check out a Vanguard advisor?

How to derive tax breaks from unleveraged investmet property?

Looking for our opinion of Vanguard target date funds.


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]]> Don McDonald 53ea4902-2eb4-11f1-b6ec-d3e5a609b3d7 Mon, 27 Mar 2023 17:28:00 -0400 2109 false More Friday Queries More Friday Queries
Why did my ETF distribute capital gains?

Will this tax harvesting and repurchasing strategy run afoul of the "wash-sale" rule?

Is there any reason to pay off a mortgage in retirement?

Why do banks have 11-month CDs?


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]]>
Why did my ETF distribute capital gains?

Will this tax harvesting and repurchasing strategy run afoul of the "wash-sale" rule?

Is there any reason to pay off a mortgage in retirement?

Why do banks have 11-month CDs?


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]]> Don McDonald 691b7f08-2eb4-11f1-b6ec-efce7b63a786 Fri, 24 Mar 2023 16:00:00 -0400 1001 false Big Buck Orphans Big Buck Orphans A listener asks:
What about buying stocks with shareholder perks?

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]]> A listener asks:
What about buying stocks with shareholder perks?

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]]> Don McDonald 6704ce18-2eb4-11f1-b6ec-d73253b11875 Thu, 23 Mar 2023 16:00:00 -0400 1377 false T@# Time Prep T@# Time Prep Listeners ask us:

Should you short the long Cramer ETF?

Why did Don change his investing suggestions from those given in the 1990s?


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]]> Listeners ask us:

Should you short the long Cramer ETF?

Why did Don change his investing suggestions from those given in the 1990s?


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]]> Don McDonald 42230844-2eb4-11f1-b6ec-8beec5376c50 Wed, 22 Mar 2023 17:30:58 -0400 1910 false What Will You Do? What Will You Do? Callers want to know:

Our opinion of a fiduciary advisor being considered by a listener? The answer will help you choose one.

Whether or not enough money has been accumulated to retire at 62?


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]]> Callers want to know:

Our opinion of a fiduciary advisor being considered by a listener? The answer will help you choose one.

Whether or not enough money has been accumulated to retire at 62?


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]]> Don McDonald 652cf9e4-2eb4-11f1-b6ec-33caf27afdaa Tue, 21 Mar 2023 15:35:57 -0400 2246 false More Banking Bedlam More Banking Bedlam
Whose accounts are covered by FDIC insurance?

What is a stable value fund?

How many funds are needed to be properly diversified?


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]]>
Whose accounts are covered by FDIC insurance?

What is a stable value fund?

How many funds are needed to be properly diversified?


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Questions? Comments? Click!

]]> Don McDonald afac62c0-2eb4-11f1-b6ec-df2db7aeb8a3 Mon, 20 Mar 2023 19:23:05 -0400 2048 false Q&A: Bonds and Ladders Q&A: Bonds and Ladders
Should he sell his bond funds and create a CD ladder?

Can funds from a managed account go into an IRA?

Is Fidelity's Brokerlink option for 401k plans a good choice for participants?

Is Vanguard's Federal Money Market fund a good place for emergency funds?


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]]>
Should he sell his bond funds and create a CD ladder?

Can funds from a managed account go into an IRA?

Is Fidelity's Brokerlink option for 401k plans a good choice for participants?

Is Vanguard's Federal Money Market fund a good place for emergency funds?


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]]> Don McDonald 4268624a-2eb4-11f1-b6ec-dbb0f0482bf3 Fri, 17 Mar 2023 15:40:42 -0400 1232 false Moody About Money Moody About Money
A 401k that only offers Principal products.

What is the best way to invest for a small-cap value tilt?


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]]>
A 401k that only offers Principal products.

What is the best way to invest for a small-cap value tilt?


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]]> Don McDonald 59e6973e-2eb4-11f1-b6ec-ef5da2235987 Thu, 16 Mar 2023 17:20:35 -0400 1312 false Banking Worries Continue Banking Worries Continue Plus, listeners want to know the following:

Who writes those almost identical stock market headlines and if pros can trade, why can't we?

Why does Apella Wealth list insurance sales in its Form ADV?


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]]> Plus, listeners want to know the following:

Who writes those almost identical stock market headlines and if pros can trade, why can't we?

Why does Apella Wealth list insurance sales in its Form ADV?


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]]> Don McDonald 2abc4f76-2eb4-11f1-b6ec-73009b65a93c Wed, 15 Mar 2023 18:31:42 -0400 1245 false Sophisticated Alternatives? Sophisticated Alternatives?
How much bond diversification is needed?

Why are company retirement plan participants allowed larger contributions than are allowed for IRAs?


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]]>
How much bond diversification is needed?

Why are company retirement plan participants allowed larger contributions than are allowed for IRAs?


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]]> Don McDonald 6cf5ba1c-2eb4-11f1-b6ec-07ea49ecc0f1 Tue, 14 Mar 2023 16:26:56 -0400 1700 false Bank Run 2023 Bank Run 2023 We then take your questions:

What is the best way to save for retirement outside of a 401k?

How do you add the effect of inflation on your retirement income withdrawals?


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]]> We then take your questions:

What is the best way to save for retirement outside of a 401k?

How do you add the effect of inflation on your retirement income withdrawals?


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]]> Don McDonald 73e953d8-2eb4-11f1-b6ec-77cb2d57b5da Mon, 13 Mar 2023 17:19:00 -0400 1755 false Q&A: Another Way to Roth Kids Q&A: Another Way to Roth Kids
Another way to fund a child's Roth IRA.

Can regular in-service transfers be made from a bad SEP-IRA into a traditional IRA?

Does using a margin loan to buy commercial real estate makes sense?

Does this simple three-fund portfolio look okay?

Can you contribute more than you earn to IRAs and 401ks?

How much diversification is needed in a bond portfolio?


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]]>
Another way to fund a child's Roth IRA.

Can regular in-service transfers be made from a bad SEP-IRA into a traditional IRA?

Does using a margin loan to buy commercial real estate makes sense?

Does this simple three-fund portfolio look okay?

Can you contribute more than you earn to IRAs and 401ks?

How much diversification is needed in a bond portfolio?


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]]> Don McDonald 4794f04e-2eb4-11f1-b6ec-bf0971c37905 Fri, 10 Mar 2023 17:28:51 -0500 1182 false Disciplined Market Timing Disciplined Market Timing
How does Vanguard Small Cap Value ETF complare with the Vanguard Russell 2000 ETF?

Why are the spreads between the bid and ask prices for the ETF, AVUV?

Finally, Tom and Don discuss new streaming documentaries (for some reason).
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]]>
How does Vanguard Small Cap Value ETF complare with the Vanguard Russell 2000 ETF?

Why are the spreads between the bid and ask prices for the ETF, AVUV?

Finally, Tom and Don discuss new streaming documentaries (for some reason).
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]]> Don McDonald a81d799a-2eb4-11f1-b6ec-df8eb32f0ced Thu, 09 Mar 2023 17:07:48 -0500 1452 false Cash Comeback? Cash Comeback? The listeners ask:

How do you calculate the minimum distributions for an inherited IRA?

Does using an expensive small-cap value fund in a company plan make sense?


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]]> The listeners ask:

How do you calculate the minimum distributions for an inherited IRA?

Does using an expensive small-cap value fund in a company plan make sense?


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]]> Don McDonald a3f63bd6-2eb4-11f1-b6ec-2fb3e1fe8f51 Wed, 08 Mar 2023 18:40:17 -0500 1209 false Long Jim or Short Jim Long Jim or Short Jim We hear from callers:

What do we think of sector funds?

What are the pros and cons of Medicare Advantage plans?

Can capital gains taxes be avoided by switching from one balanced fund to another?


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]]> We hear from callers:

What do we think of sector funds?

What are the pros and cons of Medicare Advantage plans?

Can capital gains taxes be avoided by switching from one balanced fund to another?


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]]> Don McDonald 9fb51470-2eb4-11f1-b6ec-6b292a899b8f Tue, 07 Mar 2023 15:09:27 -0500 2270 false Real Estate Reality Real Estate Reality A listener asks, should I be invested in stocks after retirement?
As asides, we consider the shaky future of AM radio and compare Comcast to those old party lines.
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]]> A listener asks, should I be invested in stocks after retirement?
As asides, we consider the shaky future of AM radio and compare Comcast to those old party lines.
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]]> Don McDonald 50109548-2eb4-11f1-b6ec-eb475a855a67 Mon, 06 Mar 2023 17:00:34 -0500 2327 false Q and A Day: Specific Direction Q and A Day: Specific Direction
Does a non-deductible IRA make sense?

How is the cost basis of restricted stock units determined?

Does it make sense to have an expensive small-cal value fund?

Can his regular IRA be converted to a Roth?

does it make sense to convert regular Vanguard funds to ETFs?


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]]>
Does a non-deductible IRA make sense?

How is the cost basis of restricted stock units determined?

Does it make sense to have an expensive small-cal value fund?

Can his regular IRA be converted to a Roth?

does it make sense to convert regular Vanguard funds to ETFs?


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]]> Don McDonald 6d60f9a8-2eb4-11f1-b6ec-e73d33254b10 Fri, 03 Mar 2023 17:26:49 -0500 1365 false Crypto Is Not Investing Crypto Is Not Investing With so many technological innovations, we occasionally think that very new technology must make sense. One example of this tendency to confuse true innovation with simply dumb ideas. Do we really need a newer way to gamble.
How do you start spending after decdaes of saving?
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]]> With so many technological innovations, we occasionally think that very new technology must make sense. One example of this tendency to confuse true innovation with simply dumb ideas. Do we really need a newer way to gamble.
How do you start spending after decdaes of saving?
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Questions? Comments? Click!

]]> Don McDonald b67db2ca-2eb4-11f1-b6ec-9f70e474fb22 Thu, 02 Mar 2023 16:34:48 -0500 1322 false Retiremeet Part Two Retiremeet Part Two A caller asks why would a planner using a short-term bond ETF?
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]]> A caller asks why would a planner using a short-term bond ETF?
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]]> Don McDonald 3e94e760-2eb4-11f1-b6ec-4b91e1428d27 Wed, 01 Mar 2023 13:36:00 -0500 2173 false Retiremeet Part One Retiremeet Part One
The first of whom believes that hew has magical market-timing capabilities

Does it makes sense to leave Vanguard Balanced Index and get into a stock and bond ETFs?

Where should a new Roth contribution be invested?

A small company controller questions the firm's 401k choices.


Finally, Paul Merriman stops by for a brief chat.
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]]>
The first of whom believes that hew has magical market-timing capabilities

Does it makes sense to leave Vanguard Balanced Index and get into a stock and bond ETFs?

Where should a new Roth contribution be invested?

A small company controller questions the firm's 401k choices.


Finally, Paul Merriman stops by for a brief chat.
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]]> Don McDonald 3c98ca44-2eb4-11f1-b6ec-6b45f8d08554 Wed, 01 Mar 2023 13:31:00 -0500 2116 false Pre-Tax or Post-Tax Pre-Tax or Post-Tax Then, listeners ask:

When is the right time to rebalance and how is it done?

How can you judge the performance of a young index fund?


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]]> Then, listeners ask:

When is the right time to rebalance and how is it done?

How can you judge the performance of a young index fund?


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]]> Don McDonald 4b0fcae6-2eb4-11f1-b6ec-ab6fa7d11f76 Thu, 23 Feb 2023 13:11:20 -0500 1348 false Top Five Fund Groups Top Five Fund Groups Then we hear from you:

Who provides the best retirement advice?

Why not give your child a 1099 for chores?

Are American Funds too expensive for a 401k?

Finally, a big fan of indexed annuities calls right at the end, so Don works overtime to discover the truth.


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]]> Then we hear from you:

Who provides the best retirement advice?

Why not give your child a 1099 for chores?

Are American Funds too expensive for a 401k?

Finally, a big fan of indexed annuities calls right at the end, so Don works overtime to discover the truth.


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]]> Don McDonald 5c1a28cc-2eb4-11f1-b6ec-3b6700a9af16 Wed, 22 Feb 2023 17:22:00 -0500 2476 false Too Smart to Scam? Too Smart to Scam?
How do school districts pick their 403b investments and how can they be changed?

Does it make sense to move a 401k into an IRA as a salepeson is advising?

Why did a fund that lost money in 2022 post a taxable capital gain?

Would Vanguard's 529 plan be better than a state fund?


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]]>
How do school districts pick their 403b investments and how can they be changed?

Does it make sense to move a 401k into an IRA as a salepeson is advising?

Why did a fund that lost money in 2022 post a taxable capital gain?

Would Vanguard's 529 plan be better than a state fund?


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]]> Don McDonald a77905ea-2eb4-11f1-b6ec-3ff624f623ca Tue, 21 Feb 2023 16:56:37 -0500 2112 false Jill on Real Money Jill on Real Money Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald bdad5bb8-2eb4-11f1-b6ec-a354ac4f0f3c Mon, 20 Feb 2023 16:48:00 -0500 1637 false Don Answers Qs Again Don Answers Qs Again
Where is the best place to start investing at age 13?

Is it better to just have VT versus using VTI and VXUS?

Are non-deductible IRAs worthwhile?

How should I allocate assets between growth and value?


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]]>
Where is the best place to start investing at age 13?

Is it better to just have VT versus using VTI and VXUS?

Are non-deductible IRAs worthwhile?

How should I allocate assets between growth and value?


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]]> Don McDonald 4fe42d5a-2eb4-11f1-b6ec-ab4473dce812 Sat, 18 Feb 2023 12:25:00 -0500 972 false Retirement Regrets Retirement Regrets Then, we respond to listeners:

One shares a story of an overfunded 529 plan and a new bonus.

Another seeks advice on the best way to start spending retirement assets.


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]]> Then, we respond to listeners:

One shares a story of an overfunded 529 plan and a new bonus.

Another seeks advice on the best way to start spending retirement assets.


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]]> Don McDonald 59a329b8-2eb4-11f1-b6ec-d7a513e0b0d3 Thu, 16 Feb 2023 17:56:45 -0500 974 false 300 Years Later... 300 Years Later...
What impact will rising debt have on the economy and investments?

A young investor requests our opinion of his portfolio?


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]]>
What impact will rising debt have on the economy and investments?

A young investor requests our opinion of his portfolio?


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]]> Don McDonald 5ed04e70-2eb4-11f1-b6ec-93842701f241 Wed, 15 Feb 2023 18:27:33 -0500 1354 false Forgotten Assets? Forgotten Assets? We hear from lots of listeners:

How can the cost basis of multiple funds we determined?

Can I-Bond interest be declared annually, even though it's deferred?

Where should money from an inherited 401k be parked temporarily?

Which is better: Fidelity or Vanguard?

Does it make sense to create a T-Bill ladder?

Are there long-term bonds that pay a higher rate?

Does it make sense to sell taxable assets to fund a Roth?


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]]> We hear from lots of listeners:

How can the cost basis of multiple funds we determined?

Can I-Bond interest be declared annually, even though it's deferred?

Where should money from an inherited 401k be parked temporarily?

Which is better: Fidelity or Vanguard?

Does it make sense to create a T-Bill ladder?

Are there long-term bonds that pay a higher rate?

Does it make sense to sell taxable assets to fund a Roth?


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]]> Don McDonald c7944952-2eb4-11f1-b6ec-933dc0126032 Tue, 14 Feb 2023 14:56:00 -0500 2126 false Cramer Regularly Wrong Cramer Regularly Wrong
How do you move money from one "advisor" to another?

How can you determine the stock/bond ratios of various target date funds?

What do we think of a covered call writing ETF?


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]]>
How do you move money from one "advisor" to another?

How can you determine the stock/bond ratios of various target date funds?

What do we think of a covered call writing ETF?


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]]> Don McDonald 726daa5e-2eb4-11f1-b6ec-8be0803cf39c Mon, 13 Feb 2023 17:08:10 -0500 2152 false Few Flying Rights Few Flying Rights Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

]]> Don McDonald 4e9a2d8c-2eb4-11f1-b6ec-13c2aa8c07a2 Sat, 11 Feb 2023 17:33:38 -0500 1374 false Q&A with a Big Finish Q&A with a Big Finish
We start with a question on money market funds.

Where can one get more information on Medicare options?

Why do people manage active mutual funds when they must know they can't win?

A caller with a good mic has a broker who can systematically invest in ETFs.

Does it make sense to just add a new investment manager to a 403b account?

Finally, a caller shares a story about a promoter of gold IRAs who seems to have vanished with investors funds. Read the Daily Beast article.


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]]>
We start with a question on money market funds.

Where can one get more information on Medicare options?

Why do people manage active mutual funds when they must know they can't win?

A caller with a good mic has a broker who can systematically invest in ETFs.

Does it make sense to just add a new investment manager to a 403b account?

Finally, a caller shares a story about a promoter of gold IRAs who seems to have vanished with investors funds. Read the Daily Beast article.


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]]> Don McDonald 2fcd9c9a-2eb4-11f1-b6ec-779fdc2aeb9a Fri, 10 Feb 2023 17:08:51 -0500 2088 false Volatility or Bad Market? Volatility or Bad Market? In today's question time:

Are CITs more risky than a mutual fund or ETF?

Where should money for retirement be parked?


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]]> In today's question time:

Are CITs more risky than a mutual fund or ETF?

Where should money for retirement be parked?


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]]> Don McDonald 38943046-2eb4-11f1-b6ec-3323fb4d7044 Thu, 09 Feb 2023 17:27:12 -0500 1610 false ESG is Hard to Do ESG is Hard to Do Then we take questions:

Is there a downside with saving with Bread Financial or other high-yield savings providers?

What should be done with a "friend" who is pitching overfunded whole life as a retirement investment?


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]]> Then we take questions:

Is there a downside with saving with Bread Financial or other high-yield savings providers?

What should be done with a "friend" who is pitching overfunded whole life as a retirement investment?


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]]> Don McDonald 6a17cf2e-2eb4-11f1-b6ec-433921c068ea Wed, 08 Feb 2023 16:52:55 -0500 1251 false Talking Death is Better? Talking Death is Better? We hear from listeners:

How can school district employees get school boards to improve plan investments?

You may want to include your actual phone in you estate package.

Please explain the process of meeting with one of our advisors.

What do we think of Thrivent?


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]]> We hear from listeners:

How can school district employees get school boards to improve plan investments?

You may want to include your actual phone in you estate package.

Please explain the process of meeting with one of our advisors.

What do we think of Thrivent?


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]]> Don McDonald b5770cb4-2eb4-11f1-b6ec-9366e7d5105f Tue, 07 Feb 2023 18:34:46 -0500 2072 false The Rise and Fall of Trading The Rise and Fall of Trading Callers want to know:

How to get retirement plan trustees to invest more aggressively?

What's the best way to invest for a younger beneficiary?

Does it makes sense for his wife to take Social Security at full retirement age?

Should she invest in a fixed annuity?

Can money from household chores be invested in a Roth?


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]]> Callers want to know:

How to get retirement plan trustees to invest more aggressively?

What's the best way to invest for a younger beneficiary?

Does it makes sense for his wife to take Social Security at full retirement age?

Should she invest in a fixed annuity?

Can money from household chores be invested in a Roth?


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]]> Don McDonald 4c8615ba-2eb4-11f1-b6ec-5be8420a8059 Mon, 06 Feb 2023 17:57:43 -0500 2092 false TGIFQAD TGIFQAD Should the cost basis in an IRA be documented?
Is M1 Finance a decent brokerage service?
How do we determine which funds are likely to outperform in the future?
Do mutual funds offer an advantage over ETFs for systematic investors?
What's the real deal with a Lincoln Financial 403b?
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]]> Should the cost basis in an IRA be documented?
Is M1 Finance a decent brokerage service?
How do we determine which funds are likely to outperform in the future?
Do mutual funds offer an advantage over ETFs for systematic investors?
What's the real deal with a Lincoln Financial 403b?
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]]> Don McDonald 579ee12a-2eb4-11f1-b6ec-43195769978c Fri, 03 Feb 2023 17:57:00 -0500 1140 false Is it Really Passive Income? Is it Really Passive Income? Then, we hear from you about:

How do I pick the best funds for my risk tolerance?

Why would a fund generating capital gains be a bad thing?


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]]> Then, we hear from you about:

How do I pick the best funds for my risk tolerance?

Why would a fund generating capital gains be a bad thing?


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]]> Don McDonald 711804ba-2eb4-11f1-b6ec-a36f601b5c89 Thu, 02 Feb 2023 17:09:44 -0500 1231 false Adding Insult to Injury Adding Insult to Injury Then, we take your questions:

How should money from a broker sold portfolio be invested?

Is an inherited Roth IRA subject to the 10-year withdrawal rule?


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]]> Then, we take your questions:

How should money from a broker sold portfolio be invested?

Is an inherited Roth IRA subject to the 10-year withdrawal rule?


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]]> Don McDonald 4ffbbe84-2eb4-11f1-b6ec-3f0b68cb4ba7 Wed, 01 Feb 2023 17:38:06 -0500 1185 false Ramsey, Orman, Kyosaki, or... Ramsey, Orman, Kyosaki, or... We hear from listeners, too (mostly about banking):

Why don't banks pay more on savings?

What is the advantage to taking lottery winnings in a lump sum?

How do high-yield savings products pay so much more?

Will a 72-year old need to take RMD in 2023?


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]]> We hear from listeners, too (mostly about banking):

Why don't banks pay more on savings?

What is the advantage to taking lottery winnings in a lump sum?

How do high-yield savings products pay so much more?

Will a 72-year old need to take RMD in 2023?


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]]> Don McDonald 7507f698-2eb4-11f1-b6ec-17f8a55bc4dc Tue, 31 Jan 2023 18:27:20 -0500 2075 false Investing Near the Ceiling Investing Near the Ceiling Then a lot of you get in touch:
First, the old "...what should I do with this money?" question addressed.
How can money be moved from an employer retirement plan?
How do you find a safe online bank?
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]]> Then a lot of you get in touch:
First, the old "...what should I do with this money?" question addressed.
How can money be moved from an employer retirement plan?
How do you find a safe online bank?
Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

]]> Don McDonald 6acae884-2eb4-11f1-b6ec-db9c9582f098 Mon, 30 Jan 2023 08:34:00 -0500 2078 false Weekend Special: Tom with Bill Conerly Weekend Special: Tom with Bill Conerly This weekend, Tom spends time with Bill Conerly, PhD discussing the possible economic future, why highre rates were needed, the future of unemployment, and much more.
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]]> This weekend, Tom spends time with Bill Conerly, PhD discussing the possible economic future, why highre rates were needed, the future of unemployment, and much more.
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]]> Don McDonald 739669d4-2eb4-11f1-b6ec-6f241eb05d04 Sat, 28 Jan 2023 13:08:37 -0500 1299 false Q (and A) Day Q (and A) Day
Is earned income needed to roll 529 money into a Roth IRA?

Where is the best place to park emergency money?

Are Wisdom Tree core portfolios sensible portfolio additions?

After going to cash in 2019, what should I do now?

What do we think of Betterment and how should he get help for his mom?


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]]>
Is earned income needed to roll 529 money into a Roth IRA?

Where is the best place to park emergency money?

Are Wisdom Tree core portfolios sensible portfolio additions?

After going to cash in 2019, what should I do now?

What do we think of Betterment and how should he get help for his mom?


Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

]]> Don McDonald 58b639d2-2eb4-11f1-b6ec-bf76250737f4 Fri, 27 Jan 2023 17:38:18 -0500 1437 false Destructive Overconfidence Destructive Overconfidence Then, a listener wonders if he should use some extra income to invest for retirement or pay off a car loan?
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]]> Then, a listener wonders if he should use some extra income to invest for retirement or pay off a car loan?
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]]> Don McDonald b8a2cd7e-2eb4-11f1-b6ec-c3d467588791 Thu, 26 Jan 2023 16:39:36 -0500 1264 false Few Worthwhile Innovations Few Worthwhile Innovations Then, a listener wonders if it makes sense to keep 30 inherited individual stocks to collect the dividends.
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]]> Then, a listener wonders if it makes sense to keep 30 inherited individual stocks to collect the dividends.
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]]> Don McDonald 34d89d2a-2eb4-11f1-b6ec-33b880f743ff Wed, 25 Jan 2023 17:49:11 -0500 1239 false Expensive Lessons Expensive Lessons Listeners want to know:

Does an individual TIPs ladder make sense for portion of a portfolio?

What should a real estate investor do with new money?

Why her experience with Social Security benefit delays does not add up to 8% per year?

How do the returns of the Merriman 10 fund portfolio compare to 2 or 3 fund portfolios?

What do we think of a friend's advice to move from a target-date fund to a money market fund?

Where do we suggest a mix of investment accounts be consolidated?


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]]> Listeners want to know:

Does an individual TIPs ladder make sense for portion of a portfolio?

What should a real estate investor do with new money?

Why her experience with Social Security benefit delays does not add up to 8% per year?

How do the returns of the Merriman 10 fund portfolio compare to 2 or 3 fund portfolios?

What do we think of a friend's advice to move from a target-date fund to a money market fund?

Where do we suggest a mix of investment accounts be consolidated?


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]]> Don McDonald cc5bf994-2eb4-11f1-b6ec-379f8c02b133 Tue, 24 Jan 2023 12:52:00 -0500 2558 false How Should You Invest in a...? How Should You Invest in a...? Listeners want to know:

Which Vanguard ETF is the same as the Total Bond Index fund?

What changed to make us prefer ETFs over mutual funds?

Which site do we use to look up securities?

What are our thoughts about SCHD (a Schwab dividend fund)?


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]]> Listeners want to know:

Which Vanguard ETF is the same as the Total Bond Index fund?

What changed to make us prefer ETFs over mutual funds?

Which site do we use to look up securities?

What are our thoughts about SCHD (a Schwab dividend fund)?


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]]> Don McDonald a1c49a56-2eb4-11f1-b6ec-7352e4ee5818 Mon, 23 Jan 2023 18:10:03 -0500 2216 false Q&A: Broker Fees, ETFs vs MFs, CDs vs. Ts Q&A: Broker Fees, ETFs vs MFs, CDs vs. Ts Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3ef217e6-2eb4-11f1-b6ec-07f4f4681175 Fri, 20 Jan 2023 18:06:05 -0500 1611 false The Best Retirement Age? The Best Retirement Age? A listener wants to know how to get into the financial advice business.
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]]> A listener wants to know how to get into the financial advice business.
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]]> Don McDonald a5ccca24-2eb4-11f1-b6ec-fbf44876a0df Thu, 19 Jan 2023 17:49:53 -0500 1156 false How to Dump Debt How to Dump Debt Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald a0e24868-2eb4-11f1-b6ec-fb219c6a09ba Wed, 18 Jan 2023 17:47:27 -0500 1139 false Their Best Advice? Their Best Advice? Merv from Denver is back to take Don to task for his "misleading" comments about cryptocurrencies. Surprise, he failed to change Don's mind. In fact, we have even more anti-crypto information.
Tangent: What's a Hokie?
Listeners ask:

Can he still make contributions in a Roth with a 401k?

How can massively appreciated stock be sold to avoid taxes?

When should money be withdrawn from retirement accounts?


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]]> Merv from Denver is back to take Don to task for his "misleading" comments about cryptocurrencies. Surprise, he failed to change Don's mind. In fact, we have even more anti-crypto information.
Tangent: What's a Hokie?
Listeners ask:

Can he still make contributions in a Roth with a 401k?

How can massively appreciated stock be sold to avoid taxes?

When should money be withdrawn from retirement accounts?


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]]> Don McDonald 7731a860-2eb4-11f1-b6ec-d30771fc60bf Tue, 17 Jan 2023 21:40:26 -0500 2433 false Dangerous Dreck Dangerous Dreck Do index-style funds need a track record? Plus, a group that once called index funds "Un-American" now touts it's market beating index fund portfolio.
Is Tesla really worth the combined value of almost every other car maker combined?
We also hear from listeners:

Is it better to invest all at once or slowly average in?

How much is needed in an emergency fund and should money g o into a Roth or I-Bonds?

Where should short-term money be kept?

Is there any need to diversify among fund groups or brokerage firms?

What percentage of a total portfolio should be allocated among various asset classes?

On what fund was Tom's small-cap value return based?



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]]> Do index-style funds need a track record? Plus, a group that once called index funds "Un-American" now touts it's market beating index fund portfolio.
Is Tesla really worth the combined value of almost every other car maker combined?
We also hear from listeners:

Is it better to invest all at once or slowly average in?

How much is needed in an emergency fund and should money g o into a Roth or I-Bonds?

Where should short-term money be kept?

Is there any need to diversify among fund groups or brokerage firms?

What percentage of a total portfolio should be allocated among various asset classes?

On what fund was Tom's small-cap value return based?



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]]> Don McDonald 9f0f8a6e-2eb4-11f1-b6ec-ff811184fe1b Mon, 16 Jan 2023 17:34:17 -0500 2421 false Your Lucky Q&A Day Your Lucky Q&A Day
How much can an employee contribute to a 403b?

Can money in 529 education plans be rolled over into a Roth IRA?

What should be done with some extra monthly investing money?

Now that Vestory is part of Apella Wealth, what's changed?

Should funds in an IRA be moved from Vanguard mutual funds to ETFs?

What are the best fund to use in a qualified plan to match personal risk tolerance?


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]]>
How much can an employee contribute to a 403b?

Can money in 529 education plans be rolled over into a Roth IRA?

What should be done with some extra monthly investing money?

Now that Vestory is part of Apella Wealth, what's changed?

Should funds in an IRA be moved from Vanguard mutual funds to ETFs?

What are the best fund to use in a qualified plan to match personal risk tolerance?


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]]> Don McDonald cc711f22-2eb4-11f1-b6ec-633521ebab1f Fri, 13 Jan 2023 17:30:43 -0500 1824 false Your Advisor Expectations Your Advisor Expectations
Does his strategy get around wash sale rules for tax losses?

Will the Treasury be sending annual 1099s for I-Bonds?


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]]>
Does his strategy get around wash sale rules for tax losses?

Will the Treasury be sending annual 1099s for I-Bonds?


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]]> Don McDonald a6719518-2eb4-11f1-b6ec-e36d92835408 Thu, 12 Jan 2023 18:05:05 -0500 1135 false Magical Thinking? Magical Thinking? Plus, a listener wants to know the best way to build the best portfolio in his 401k?
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]]> Plus, a listener wants to know the best way to build the best portfolio in his 401k?
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]]> Don McDonald 42dcdbde-2eb4-11f1-b6ec-67fdfde82102 Wed, 11 Jan 2023 17:33:00 -0500 1175 false Higher Yields Help Higher Yields Help Listeners want to know:

What happened to Vestory?

Which is better mutual funds or ETFs?

How can a value tilt be added to portfolio?

Can a tax loss be taken now for last year?

Would taking a tax loss on VTWAX and immediately investing in VT invoke wash-sale rule?

What's our opinion of high-yield savings accounts?

Are Northern Trust funds good investments?


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]]> Listeners want to know:

What happened to Vestory?

Which is better mutual funds or ETFs?

How can a value tilt be added to portfolio?

Can a tax loss be taken now for last year?

Would taking a tax loss on VTWAX and immediately investing in VT invoke wash-sale rule?

What's our opinion of high-yield savings accounts?

Are Northern Trust funds good investments?


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]]> Don McDonald 6a30eefa-2eb4-11f1-b6ec-b38383922212 Tue, 10 Jan 2023 16:02:00 -0500 2296 false Madoff Lessons Madoff Lessons Plus, we hear from listeners:

Should investment changes be made in a 529 plan?

How is the impact of a existing IRA on a backdoor Roth?

What is our opinion of a covered call writing fund?

Then, we go on to explain what covered call writing is and how it works.

What is a backdoor Roth?

Is her firm a high-fee advisor?


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]]> Plus, we hear from listeners:

Should investment changes be made in a 529 plan?

How is the impact of a existing IRA on a backdoor Roth?

What is our opinion of a covered call writing fund?

Then, we go on to explain what covered call writing is and how it works.

What is a backdoor Roth?

Is her firm a high-fee advisor?


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]]> Don McDonald 76d746f4-2eb4-11f1-b6ec-8fc3e941444a Mon, 09 Jan 2023 17:13:00 -0500 2422 false Friday Questions Return Friday Questions Return
Invest or pay off mortgage?

Thanks for helping a friend.

Looking for a good financial charity.

Will crypto trading hurt Fidelity?

Why does a bank pay its customers far less interest on CDs?

Do we suggest more bonds in a portfolio?


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]]>
Invest or pay off mortgage?

Thanks for helping a friend.

Looking for a good financial charity.

Will crypto trading hurt Fidelity?

Why does a bank pay its customers far less interest on CDs?

Do we suggest more bonds in a portfolio?


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]]> Don McDonald 73395168-2eb4-11f1-b6ec-e7cd40f4efdb Fri, 06 Jan 2023 17:52:00 -0500 1536 false Don't Get Burned Don't Get Burned Then Tom crams in a bunch of questions:

Does it make sense to reduce qualified retirement account contributions?

How soon can I-Bonds be purchased in the new year?

What are the possible issues with moving a from TD Ameritrade?


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]]> Then Tom crams in a bunch of questions:

Does it make sense to reduce qualified retirement account contributions?

How soon can I-Bonds be purchased in the new year?

What are the possible issues with moving a from TD Ameritrade?


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]]> Don McDonald 47d9dc36-2eb4-11f1-b6ec-c33af86464c6 Thu, 05 Jan 2023 16:00:44 -0500 1360 false Bad Markets Bring Worse Investments Bad Markets Bring Worse Investments Then, listeners chime in:

Have they picked a reasonable ETF allocation for an IRA?

What does Don think of his 403b investment options?

Does this five-year fixed annuity make sense?

Which accounting method should be used for selling securities?

What is the best withdrawal strategy to spend most of his money?


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]]> Then, listeners chime in:

Have they picked a reasonable ETF allocation for an IRA?

What does Don think of his 403b investment options?

Does this five-year fixed annuity make sense?

Which accounting method should be used for selling securities?

What is the best withdrawal strategy to spend most of his money?


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]]> Don McDonald 4a734b30-2eb4-11f1-b6ec-7785e3061c86 Wed, 04 Jan 2023 17:06:37 -0500 2385 false Simply Unpredictable Simply Unpredictable
Does it make sense to use a regular 403b to help reduce income enough to qualify for a Roth IRA?

What's the best way to own bonds in a portfolio?

Is there reason to be concerned about market volatility during a transfer from a work plan to a private IRA?

What might happen with Central Bank Digital Currencies?

Does an investor need multiple bond funds?


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]]>
Does it make sense to use a regular 403b to help reduce income enough to qualify for a Roth IRA?

What's the best way to own bonds in a portfolio?

Is there reason to be concerned about market volatility during a transfer from a work plan to a private IRA?

What might happen with Central Bank Digital Currencies?

Does an investor need multiple bond funds?


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]]> Don McDonald 51cee74a-2eb4-11f1-b6ec-9b376c5c9ad8 Tue, 03 Jan 2023 16:27:00 -0500 2252 false How to Save in 2023 How to Save in 2023 Why do we prefer total market funds as opposed to a US dividend funds?
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]]> Why do we prefer total market funds as opposed to a US dividend funds?
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]]> Don McDonald 99069b26-2eb4-11f1-b6ec-438785d20346 Mon, 02 Jan 2023 16:10:52 -0500 1490 false Financial Fee Blindness Financial Fee Blindness
One listener call him out for using the show to get out of holiday choses and also seeks advice on fixing a bad mortgage loan.

Another wants to know more about tax-loss harvesting.

One caller wants to talk about qualified charitable distributions (QCDs).

Tom helps figure out how to transfer old work retirement plans.

Finally, he takes a question on the impacts of an inheritance.


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]]>
One listener call him out for using the show to get out of holiday choses and also seeks advice on fixing a bad mortgage loan.

Another wants to know more about tax-loss harvesting.

One caller wants to talk about qualified charitable distributions (QCDs).

Tom helps figure out how to transfer old work retirement plans.

Finally, he takes a question on the impacts of an inheritance.


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]]> Don McDonald a041bb64-2eb4-11f1-b6ec-5be88022c619 Fri, 30 Dec 2022 17:54:24 -0500 2257 false Almost Alone on Christmas Eve Almost Alone on Christmas Eve Plus, some holiday callers arrive:

The first "caller" looks for help dealing with violent holiday financial discussions (sort of).

What should be done with a multiple stock portfolio?

In 2023, should an employee take advantage of new Roth 401k matching?


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]]> Plus, some holiday callers arrive:

The first "caller" looks for help dealing with violent holiday financial discussions (sort of).

What should be done with a multiple stock portfolio?

In 2023, should an employee take advantage of new Roth 401k matching?


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]]> Don McDonald 6f9f66d2-2eb4-11f1-b6ec-074a24e9e207 Thu, 29 Dec 2022 18:55:28 -0500 2145 false 4% Rule Resurrected 4% Rule Resurrected A listener wonders if the Paul Merriman two-fund portfolio is a sensible way to go?
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]]> A listener wonders if the Paul Merriman two-fund portfolio is a sensible way to go?
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]]> Don McDonald 6aa06262-2eb4-11f1-b6ec-f7fca4295a17 Thu, 22 Dec 2022 16:00:00 -0500 1029 false Real Estate Tapped Out? Real Estate Tapped Out? A listener wants to know if it makes more sense to contribute more to a regular pre-tax retirement account?

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]]> A listener wants to know if it makes more sense to contribute more to a regular pre-tax retirement account?

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]]> Don McDonald 3b4ca0a2-2eb4-11f1-b6ec-eb8e7f66a778 Wed, 21 Dec 2022 16:00:00 -0500 1168 false Big Bucks, No Risk, Big Lie Big Bucks, No Risk, Big Lie Then we hear from listeners:

Should his financial advisor be fired and replaced by a target-date fund?

Should she buy an energy ETF to replace her energy mutual fund?

What do we think of brokered CDs?

What should be done with retirement assets as the market has done so badly?


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]]> Then we hear from listeners:

Should his financial advisor be fired and replaced by a target-date fund?

Should she buy an energy ETF to replace her energy mutual fund?

What do we think of brokered CDs?

What should be done with retirement assets as the market has done so badly?


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]]> Don McDonald 73205a14-2eb4-11f1-b6ec-8377f5da7d19 Tue, 20 Dec 2022 16:57:57 -0500 1967 false Stop Fooling Yourself Stop Fooling Yourself Listeners ask:

How to get into an inexpensive small cap value fund?

When we say "risk," don't we really mean volatility?

How can listeners hear our Saturday radio show after it airs?

Are total market funds appropriate for an 50+ investor?


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]]> Listeners ask:

How to get into an inexpensive small cap value fund?

When we say "risk," don't we really mean volatility?

How can listeners hear our Saturday radio show after it airs?

Are total market funds appropriate for an 50+ investor?


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]]> Don McDonald 44d8f94a-2eb4-11f1-b6ec-bf32e5301c14 Mon, 19 Dec 2022 17:51:00 -0500 2070 false Drip, Dripping Away Drip, Dripping Away Plus, a listener wants to know about an insurance policy being offered by a commissioned "financial adviser."
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]]> Plus, a listener wants to know about an insurance policy being offered by a commissioned "financial adviser."
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]]> Don McDonald 48c95036-2eb4-11f1-b6ec-eff9b06d782d Fri, 16 Dec 2022 17:36:20 -0500 1305 false One Unhappy Listener One Unhappy Listener Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 65f002a4-2eb4-11f1-b6ec-ffaf058a91b8 Thu, 15 Dec 2022 16:02:01 -0500 1665 false Adding Insult to Injury Adding Insult to Injury Plus, we scold "Mr. Wonderful" for his support of failed crytocurrency exchange, FTX.
Then we hear from listeners:

The Question: How can I make more money with total safety?

How can someone cover long-term care in later years.

How solvent are public retirement systems?

Are 35 securities in a portfolio indictative of hodgepodgeitis?

Which 403b provider is the best of some bad choices?


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]]> Plus, we scold "Mr. Wonderful" for his support of failed crytocurrency exchange, FTX.
Then we hear from listeners:

The Question: How can I make more money with total safety?

How can someone cover long-term care in later years.

How solvent are public retirement systems?

Are 35 securities in a portfolio indictative of hodgepodgeitis?

Which 403b provider is the best of some bad choices?


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]]> Don McDonald 37dffcac-2eb4-11f1-b6ec-7f5046880900 Tue, 13 Dec 2022 18:42:41 -0500 2085 false You're Losing Billions You're Losing Billions Then we hear from listeners:

Does "Arrived" appear to be good investment?

Sold a rental house, how should the proceeds me invested.

Non-public REITs can do some dangerous things with your money.


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]]> Then we hear from listeners:

Does "Arrived" appear to be good investment?

Sold a rental house, how should the proceeds me invested.

Non-public REITs can do some dangerous things with your money.


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]]> Don McDonald b64a2f5e-2eb4-11f1-b6ec-67ae5239341e Mon, 12 Dec 2022 18:45:00 -0500 2173 false Fantastic Friday Q&A Fantastic Friday Q&A
How should a son invest in his new 401k?

Should he switch American Funds for something less expensive?

What's the best way to name beneficiaries on accounts?

Why do we suggest some higher cost ETFs?

What are the potentail problems when gifting to kids?

What do I think of another YouTube financial guru?


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]]>
How should a son invest in his new 401k?

Should he switch American Funds for something less expensive?

What's the best way to name beneficiaries on accounts?

Why do we suggest some higher cost ETFs?

What are the potentail problems when gifting to kids?

What do I think of another YouTube financial guru?


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]]> Don McDonald c19d4ec2-2eb4-11f1-b6ec-574a661375e8 Fri, 09 Dec 2022 18:08:43 -0500 1435 false Fixed Income Fools Fixed Income Fools Then a listener wants to know if brokered CDs might be better than a stable value fund.
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]]> Then a listener wants to know if brokered CDs might be better than a stable value fund.
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]]> Don McDonald 5415486e-2eb4-11f1-b6ec-13a324691084 Thu, 08 Dec 2022 17:25:52 -0500 1136 false Just Got Money Just Got Money Then, we answer questions:

Is a 100% investment in AVGE too aggressive?

Should a small cap value fund be added?


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]]> Then, we answer questions:

Is a 100% investment in AVGE too aggressive?

Should a small cap value fund be added?


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]]> Don McDonald c3277d80-2eb4-11f1-b6ec-ab545a1c2504 Wed, 07 Dec 2022 18:25:56 -0500 1000 false Senior Regrets Senior Regrets
What kind of advisors do I need?

Old stock guy is back.

Should he invest in company stock options?

She regrets not spending enough.

What should be done with low-yielding fund?

How to invest windfall from toy sale?

How far back does Social Security look?


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]]>
What kind of advisors do I need?

Old stock guy is back.

Should he invest in company stock options?

She regrets not spending enough.

What should be done with low-yielding fund?

How to invest windfall from toy sale?

How far back does Social Security look?


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]]> Don McDonald c8e2af7e-2eb4-11f1-b6ec-4bef0c94b126 Tue, 06 Dec 2022 17:39:00 -0500 2054 false Not Much New Not Much New Plus, callers want to know:
Does it make sense to retire early and, if so, how should a lump-sum payout be invested?
What can be done with an old share of Warner Brothers Studios?
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]]> Plus, callers want to know:
Does it make sense to retire early and, if so, how should a lump-sum payout be invested?
What can be done with an old share of Warner Brothers Studios?
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]]> Don McDonald 4a42695c-2eb4-11f1-b6ec-175acc898f2c Mon, 05 Dec 2022 18:33:00 -0500 2024 false Pre-Holiday Q&A Pre-Holiday Q&A
With a new child on the way, what should be done financially?

What are collective investment trusts?

Daughter being sold a structured annuity, what it it?

Does it make sense to pay of home mortgage?

Does it make sense to transfer a 403b to an IRA and what are the drawbacks?

Can a health savings account (HSA) be moved to another HSA?


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]]>
With a new child on the way, what should be done financially?

What are collective investment trusts?

Daughter being sold a structured annuity, what it it?

Does it make sense to pay of home mortgage?

Does it make sense to transfer a 403b to an IRA and what are the drawbacks?

Can a health savings account (HSA) be moved to another HSA?


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]]> Don McDonald c13ee670-2eb4-11f1-b6ec-df1f672f3495 Fri, 02 Dec 2022 16:36:41 -0500 1365 false Give Lasting Gifts Give Lasting Gifts Plus, listeners want to know:

The best way to allocate money between our "three-fund" suggestions?

Does it makes sense to wait on buyiong bonds right now when building a 60/40 portfolio?


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]]> Plus, listeners want to know:

The best way to allocate money between our "three-fund" suggestions?

Does it makes sense to wait on buyiong bonds right now when building a 60/40 portfolio?


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]]> Don McDonald bf47de76-2eb4-11f1-b6ec-0f5137591a66 Thu, 01 Dec 2022 16:42:22 -0500 1445 false Avoid Inadvertent Gifting Avoid Inadvertent Gifting Plus listeners chime in:
More agruments against actively managed mutual funds and ETFs.
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]]> Plus listeners chime in:
More agruments against actively managed mutual funds and ETFs.
Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 4cf9445e-2eb4-11f1-b6ec-5f931049659e Wed, 30 Nov 2022 15:56:00 -0500 1034 false Corrupting Bonuses Corrupting Bonuses Plus a couple of questions:
Can I change my Roth back to a regular IRA and take a tax loss?
Should I consider the new indexed annuity in my compnay's 401k?
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]]> Plus a couple of questions:
Can I change my Roth back to a regular IRA and take a tax loss?
Should I consider the new indexed annuity in my compnay's 401k?
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]]> Don McDonald cce15fee-2eb4-11f1-b6ec-4785d930399f Mon, 28 Nov 2022 18:17:16 -0500 1866 false Risky Financial Education Risky Financial Education Plus, a listener wonders if Securities America is a legitimate custodian.


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]]> Plus, a listener wonders if Securities America is a legitimate custodian.


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]]> Don McDonald 64525b18-2eb4-11f1-b6ec-8b452bc72960 Wed, 23 Nov 2022 10:37:23 -0500 1672 false Gold IRA Issues Gold IRA Issues Your questions:

What is wrong with ESG investing?

Does it make sense to slowly move an IRA to a Roth?

A former crypto gambler looks for a way to invest kid's gifts.

An the insurance salesman's response to Don's rant.


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]]> Your questions:

What is wrong with ESG investing?

Does it make sense to slowly move an IRA to a Roth?

A former crypto gambler looks for a way to invest kid's gifts.

An the insurance salesman's response to Don's rant.


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]]> Don McDonald 54596b5c-2eb4-11f1-b6ec-7fc4c6892cd4 Tue, 22 Nov 2022 14:17:34 -0500 2371 false Wrong Retirement Time? Wrong Retirement Time? Then on to listener questions:

Is there a proper order to move asset classes to a Roth?

How can a young worker invest for the lowest tax liability?

Should a house-flipper own investment property in retirement?

What's the best way to give money to kids?

Can a recharacterized Roth be "backdoored" into another Roth?


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]]> Then on to listener questions:

Is there a proper order to move asset classes to a Roth?

How can a young worker invest for the lowest tax liability?

Should a house-flipper own investment property in retirement?

What's the best way to give money to kids?

Can a recharacterized Roth be "backdoored" into another Roth?


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]]> Don McDonald 9b2784ce-2eb4-11f1-b6ec-b740bfc2bf11 Mon, 21 Nov 2022 17:57:12 -0500 2138 false Q&A: CD Day Q&A: CD Day
If a pension counts as a fixed-income portfolio?

From where should retirement income be drawn first?

What's the best place to invest for no risk whatsoever?

That we understood he wasn't throwing Paul Merriman under the bus?

Is it okay to use brokered CDs?

What do we think of Betterment?


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]]>
If a pension counts as a fixed-income portfolio?

From where should retirement income be drawn first?

What's the best place to invest for no risk whatsoever?

That we understood he wasn't throwing Paul Merriman under the bus?

Is it okay to use brokered CDs?

What do we think of Betterment?


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]]> Don McDonald 41de5f96-2eb4-11f1-b6ec-3b6145d87c28 Fri, 18 Nov 2022 16:50:55 -0500 1621 false More Crypto Cheats More Crypto Cheats Plus, a listener asks of Social Security income can somehow be incorporated into a portfolio as a fixed-income investment?
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]]> Plus, a listener asks of Social Security income can somehow be incorporated into a portfolio as a fixed-income investment?
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]]> Don McDonald 6817be6e-2eb4-11f1-b6ec-cf14bae0e632 Thu, 17 Nov 2022 17:18:29 -0500 1362 false 60/40 Will Never Die 60/40 Will Never Die Plus, a listener asks why managed international funds outperform index funds? (spoiler: they don't)
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]]> Plus, a listener asks why managed international funds outperform index funds? (spoiler: they don't)
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]]> Don McDonald 677a12a4-2eb4-11f1-b6ec-a75dc58dcdea Wed, 16 Nov 2022 16:36:41 -0500 1216 false Insulting Prices Insulting Prices Then, we take listeners questions:

Where should an estate executor invest money?

How can a lump sum payout stay tax-deferred?

From Ireland: Why have we stopped talking about VT?

Why do some active funds beat the market even though they cost more?


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]]> Then, we take listeners questions:

Where should an estate executor invest money?

How can a lump sum payout stay tax-deferred?

From Ireland: Why have we stopped talking about VT?

Why do some active funds beat the market even though they cost more?


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]]> Don McDonald b97d40bc-2eb4-11f1-b6ec-d7f8ca9cc199 Tue, 15 Nov 2022 15:50:00 -0500 2155 false Feeling Any Better? Feeling Any Better?
What's the best strategy for retiring early and delaying Social Security?

After getting out of the market early this year, when should he get back in?

Where should a teenager's earnings be invested?

What should be done with a chunk of cash?


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]]>
What's the best strategy for retiring early and delaying Social Security?

After getting out of the market early this year, when should he get back in?

Where should a teenager's earnings be invested?

What should be done with a chunk of cash?


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]]> Don McDonald c7f77eaa-2eb4-11f1-b6ec-b7cd1484acbb Mon, 14 Nov 2022 17:43:00 -0500 2164 false Quality Qs Quality Qs
Should an old Empower managed 401k be moved to IRA?

How is a pension added to retirement calculation?

Should a Thrivent fund be moved to a low-cost index fund?

Where is our live video show?

What can be done with an extra $4.37 left in old IRA?

If Jeff Bezos invested everything in the total stock market what would happen?

Is the 4% Rule just a ruse to help financial advisors?

Should 403b money be transferred into an indexed annuity?


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]]>
Should an old Empower managed 401k be moved to IRA?

How is a pension added to retirement calculation?

Should a Thrivent fund be moved to a low-cost index fund?

Where is our live video show?

What can be done with an extra $4.37 left in old IRA?

If Jeff Bezos invested everything in the total stock market what would happen?

Is the 4% Rule just a ruse to help financial advisors?

Should 403b money be transferred into an indexed annuity?


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]]> Don McDonald 7552f8fa-2eb4-11f1-b6ec-aff3f819a973 Fri, 11 Nov 2022 17:34:07 -0500 1721 false Right Time of Day Right Time of Day Plus, a listener asks if it makes sense to get a reverse mortgage for "fun" money?
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]]> Plus, a listener asks if it makes sense to get a reverse mortgage for "fun" money?
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]]> Don McDonald 52e30f94-2eb4-11f1-b6ec-f3e62f1ed520 Thu, 10 Nov 2022 17:01:55 -0500 1037 false Saving With Suze? Saving With Suze? Then we hear from a listener wondering what we think of J.L. Collins investing advice.
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]]> Then we hear from a listener wondering what we think of J.L. Collins investing advice.
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]]> Don McDonald c5bf11fc-2eb4-11f1-b6ec-f757af24e123 Wed, 09 Nov 2022 17:27:09 -0500 1143 false Foolish Portfolio Focus Foolish Portfolio Focus What is the difference between bank and brokered CDs?
Can you pick which IRAs from which to take withdrawals?
What are the call letters of our Seattle station?
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]]> What is the difference between bank and brokered CDs?
Can you pick which IRAs from which to take withdrawals?
What are the call letters of our Seattle station?
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]]> Don McDonald 55f61fd2-2eb4-11f1-b6ec-3f9262cf6f6c Tue, 08 Nov 2022 18:17:06 -0500 2091 false Medicare Disadvantage Plans Medicare Disadvantage Plans We take some questions, too:

What's the best way to add international equities to AVGE?

Should precious metals and crypto be in your portfolio?


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]]> We take some questions, too:

What's the best way to add international equities to AVGE?

Should precious metals and crypto be in your portfolio?


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]]> Don McDonald 64b5c270-2eb4-11f1-b6ec-97e4a437c42c Mon, 07 Nov 2022 17:58:00 -0500 2129 false How are Assets Valued? How are Assets Valued? Plus, a listener wants to know about investing overseas and moving money to safer investments?
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]]> Plus, a listener wants to know about investing overseas and moving money to safer investments?
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]]> Don McDonald 47c4927c-2eb4-11f1-b6ec-c723e6800cfa Thu, 03 Nov 2022 16:14:55 -0400 1090 false Retiring in Recession? Retiring in Recession? Plus, a listener wonders if his advisor is really a fiduciary when suggesting an annuity purchase.
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]]> Plus, a listener wonders if his advisor is really a fiduciary when suggesting an annuity purchase.
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]]> Don McDonald 99df68d4-2eb4-11f1-b6ec-6b432e8c9360 Wed, 02 Nov 2022 17:32:28 -0400 1290 false The Big Annuity Lie Snares Investors The Big Annuity Lie Snares Investors We take your questions:

Is moving from Vanguard Windsor II into their large cap index fund a good idea?

When will "real" banks raise their rates?

Why did T. Rowe Price merge funds?


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]]> We take your questions:

Is moving from Vanguard Windsor II into their large cap index fund a good idea?

When will "real" banks raise their rates?

Why did T. Rowe Price merge funds?


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]]> Don McDonald 54c5b2c6-2eb4-11f1-b6ec-1f73ffa7d133 Tue, 01 Nov 2022 17:59:00 -0400 2186 false Expert Misinformation Expert Misinformation Then, we take listeners questions:

What should a recent widow do with a found 401k?

Should he do a $1 million Roth IRA conversion?

How can an investor find true fiduciary advice for a portfolio?


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]]> Then, we take listeners questions:

What should a recent widow do with a found 401k?

Should he do a $1 million Roth IRA conversion?

How can an investor find true fiduciary advice for a portfolio?


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]]> Don McDonald 5565cfae-2eb4-11f1-b6ec-ff2ab17ea310 Mon, 31 Oct 2022 16:54:05 -0400 2042 false Wednesday, Thursday, Qday Wednesday, Thursday, Qday Can money from a tax loss sale in a brokerage account be investing in a Roth?
Did she screw up her tax loss sale?
How much can be investing in a Roth TSP and a Roth IRA?
Why isn't Talking Real Money on Deezer?
Is there a better time of day to buy ETFs?
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]]> Can money from a tax loss sale in a brokerage account be investing in a Roth?
Did she screw up her tax loss sale?
How much can be investing in a Roth TSP and a Roth IRA?
Why isn't Talking Real Money on Deezer?
Is there a better time of day to buy ETFs?
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]]> Don McDonald a121a0f8-2eb4-11f1-b6ec-7fb952b33b60 Fri, 28 Oct 2022 17:06:24 -0400 1018 false Break Up With Your Broker Break Up With Your Broker Plus, a listener wonders which is best, Vanguard, Dimensional, or Avantis?
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]]> Plus, a listener wonders which is best, Vanguard, Dimensional, or Avantis?
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]]> Don McDonald 5a75d1f6-2eb4-11f1-b6ec-93dbadc1ea03 Thu, 27 Oct 2022 16:08:42 -0400 999 false Higher Fees, Higher Returns? Higher Fees, Higher Returns? A listener wonders whether individual bonds are better than a mutual fund?
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]]> A listener wonders whether individual bonds are better than a mutual fund?
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]]> Don McDonald 2eae5322-2eb4-11f1-b6ec-27f51c589926 Wed, 26 Oct 2022 13:41:00 -0400 1093 false Many Go Stock Free Many Go Stock Free Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 74bedf4e-2eb4-11f1-b6ec-d7e9079e06da Tue, 25 Oct 2022 17:56:00 -0400 2131 false Money Market Fund Fees Money Market Fund Fees Plus, we take a question about the fee structure of funds of funds. Do you pay twice?
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]]> Plus, we take a question about the fee structure of funds of funds. Do you pay twice?
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]]> Don McDonald 2b82d1c8-2eb4-11f1-b6ec-4b04483c211f Mon, 24 Oct 2022 17:18:00 -0400 2059 false Q&A Day: How Do Dividends Work Q&A Day: How Do Dividends Work Can you sell an S&P 500 fund at Vanguard and simultaneously buy a a different S&P 500 fund at Fidelity?
Who decides when dividends are declared and terminated?
Who should manage a real estate portfolio?
Should businesses paying her kids to do some work to fund Roth IRAs provide 1099s?
Is AVGE too conservative?
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]]> Can you sell an S&P 500 fund at Vanguard and simultaneously buy a a different S&P 500 fund at Fidelity?
Who decides when dividends are declared and terminated?
Who should manage a real estate portfolio?
Should businesses paying her kids to do some work to fund Roth IRAs provide 1099s?
Is AVGE too conservative?
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]]> Don McDonald 2d420920-2eb4-11f1-b6ec-5376403afccd Fri, 21 Oct 2022 18:02:30 -0400 1244 false Financial Know Nothings Financial Know Nothings Plus, we answer our most asked question.
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]]> Plus, we answer our most asked question.
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]]> Don McDonald b0e693fe-2eb4-11f1-b6ec-5b236cdaedea Thu, 20 Oct 2022 17:05:49 -0400 1260 false Inexplicably Volatile? Inexplicably Volatile? Plus, why would would ever suggest a brand new fund with little money invested and no long-term track record?
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]]> Plus, why would would ever suggest a brand new fund with little money invested and no long-term track record?
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]]> Don McDonald 66ed0a8a-2eb4-11f1-b6ec-7f558309e543 Wed, 19 Oct 2022 18:31:21 -0400 1304 false Flipping Out Flipping Out Then, on to the questions:
Can you tax loss harvest from a municipal bond ETF in a total market bond ETF?
What are the alternatives to to long-term care policies?
Does an immediate annuity make sense?
What is the purpose of bonds in a portfolio?
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]]> Then, on to the questions:
Can you tax loss harvest from a municipal bond ETF in a total market bond ETF?
What are the alternatives to to long-term care policies?
Does an immediate annuity make sense?
What is the purpose of bonds in a portfolio?
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Questions? Comments? Click!

]]> Don McDonald 5b179e64-2eb4-11f1-b6ec-93ce3224421a Tue, 18 Oct 2022 17:28:00 -0400 2108 false How to Get Rich... How to Get Rich... Then we take listeners questions:

Is the Avantis All-Equity ETF (AVGE) a good replacement for VT and how should it be added?

Do we suggest FOREX trading?

In what kinds of accounts to different investments belong?



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]]> Then we take listeners questions:

Is the Avantis All-Equity ETF (AVGE) a good replacement for VT and how should it be added?

Do we suggest FOREX trading?

In what kinds of accounts to different investments belong?



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]]> Don McDonald 4196b600-2eb4-11f1-b6ec-4fc28eeb14ae Mon, 17 Oct 2022 16:12:46 -0400 2064 false A Bunch of Bond Qs A Bunch of Bond Qs
Should a home be part of a portfolio mix?

Explain the relationship between bond yields and bond prices.

Is there a disadvantage to waiting to take Social Security?

Is it okay to own multiple funds in similar asset classes?

Do I really need bonds in my portfolio?


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]]>
Should a home be part of a portfolio mix?

Explain the relationship between bond yields and bond prices.

Is there a disadvantage to waiting to take Social Security?

Is it okay to own multiple funds in similar asset classes?

Do I really need bonds in my portfolio?


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]]> Don McDonald 50c0a0d2-2eb4-11f1-b6ec-6f0cc93e3de7 Fri, 14 Oct 2022 18:12:53 -0400 956 false Surprise Subjects Surprise Subjects Then we take listeners questions:
Is there a better investment than VT for kids long-term investments?
What is our opinion of Avantis All Equities Markets ETF (AVGE)?
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]]> Then we take listeners questions:
Is there a better investment than VT for kids long-term investments?
What is our opinion of Avantis All Equities Markets ETF (AVGE)?
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]]> Don McDonald 9ecd75e8-2eb4-11f1-b6ec-4fb3e71efbc3 Wed, 12 Oct 2022 16:34:31 -0400 1609 false More Insurance Misdeeds More Insurance Misdeeds Then we take your questions:

What should be done with an indexed annuity in a qualified retirement plan?

Does it makes sense to join a class action suit against a mutual fund?

How do you convert a percentage to basis points?

From which investment should RMD money be taken?


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]]> Then we take your questions:

What should be done with an indexed annuity in a qualified retirement plan?

Does it makes sense to join a class action suit against a mutual fund?

How do you convert a percentage to basis points?

From which investment should RMD money be taken?


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]]> Don McDonald 61fce5ae-2eb4-11f1-b6ec-67c39d7ae7a7 Tue, 11 Oct 2022 17:03:00 -0400 2120 false So, What Now? So, What Now?
Why do so many start taking Social Security before age 70?

We clarify spousal beneficiary benefits from Social Security?

How can you buy Treasury securities?

Where should parents go for financial help later in life?


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]]>
Why do so many start taking Social Security before age 70?

We clarify spousal beneficiary benefits from Social Security?

How can you buy Treasury securities?

Where should parents go for financial help later in life?


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]]> Don McDonald 768ec046-2eb4-11f1-b6ec-63e97df398ff Mon, 10 Oct 2022 17:56:00 -0400 2171 false All About You Day All About You Day What is our opinion of Personal Capital and AVUV?
What is the cost basis and what are the fees to buy and sell ETFs?
A listener is disappointed with Tom's opinion of I-Bonds.
Is this a good time to buy farm land?
Is it better to be in a tax-free bonds fund?
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]]> What is our opinion of Personal Capital and AVUV?
What is the cost basis and what are the fees to buy and sell ETFs?
A listener is disappointed with Tom's opinion of I-Bonds.
Is this a good time to buy farm land?
Is it better to be in a tax-free bonds fund?
Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

]]> Don McDonald 57b821c6-2eb4-11f1-b6ec-9f71e6aef6f0 Fri, 07 Oct 2022 18:07:23 -0400 1037 false House of Trades House of Trades Then off to listeners questions:

What do we think of the Washington state employee annuity?

Should you have different asset classes in your 401k and IRA?

Why does the amount of a security sale differ from the cash available to trade?

Does no state income tax influence the the purchase of CDs or bonds?

With an advisor retiring, how do you choose a new fiduciary advisor?



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]]> Then off to listeners questions:

What do we think of the Washington state employee annuity?

Should you have different asset classes in your 401k and IRA?

Why does the amount of a security sale differ from the cash available to trade?

Does no state income tax influence the the purchase of CDs or bonds?

With an advisor retiring, how do you choose a new fiduciary advisor?



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]]> Don McDonald bc52a3fe-2eb4-11f1-b6ec-6bb690cae382 Wed, 05 Oct 2022 18:00:59 -0400 2189 false The Power of Cash The Power of Cash After that, we are innundated with questions:

How can a 401k be slowly liquidated when an employer requires the whole account be closed?

What should be done with some old American fund shares in IRAs?

My advisor forgot to send some paperwork.

Is there a cure for a bad case of 'hodgepodgitis?"

How should a TSP portfolio be allocated?

Plus, Tom feels compelled to talk sports again and would you pay 200% interest for that cute "doggy in the window?"
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]]> After that, we are innundated with questions:

How can a 401k be slowly liquidated when an employer requires the whole account be closed?

What should be done with some old American fund shares in IRAs?

My advisor forgot to send some paperwork.

Is there a cure for a bad case of 'hodgepodgitis?"

How should a TSP portfolio be allocated?

Plus, Tom feels compelled to talk sports again and would you pay 200% interest for that cute "doggy in the window?"
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Questions? Comments? Click!

]]> Don McDonald 56abffbe-2eb4-11f1-b6ec-274487b93a31 Mon, 03 Oct 2022 16:45:33 -0400 2146 false Back Answering Your Questions Back Answering Your Questions
Which comes first, your HSA or 401k?

When is interest taxed in "at maturity" CDs?

The best way to create a balanced investment at Fidelity?

What do we make of an obscure, institutional only fund for retirement plan?

What should parents do with $150,000 sitting in the bank?

Before considering an annuity, with whom should she talk?


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]]>
Which comes first, your HSA or 401k?

When is interest taxed in "at maturity" CDs?

The best way to create a balanced investment at Fidelity?

What do we make of an obscure, institutional only fund for retirement plan?

What should parents do with $150,000 sitting in the bank?

Before considering an annuity, with whom should she talk?


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]]> Don McDonald 58161326-2eb4-11f1-b6ec-6f611f732167 Fri, 30 Sep 2022 15:53:21 -0400 1412 false Sinking Home Values Sinking Home Values We also hear from listeners:

What are the tax consequences of realizing capital gains in an IRA product?

Thanking us for what we do.

Can you choose with type of 401k account from which you take withdrawals at age 72?

Looking for more information about Series I bonds.

Does it make sense to get a HELOC to buy stocks?



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]]> We also hear from listeners:

What are the tax consequences of realizing capital gains in an IRA product?

Thanking us for what we do.

Can you choose with type of 401k account from which you take withdrawals at age 72?

Looking for more information about Series I bonds.

Does it make sense to get a HELOC to buy stocks?



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]]> Don McDonald 2a4e78de-2eb4-11f1-b6ec-4f845c359d8a Wed, 28 Sep 2022 15:46:40 -0400 2210 false How to Bear Another Bear How to Bear Another Bear So, how are those complaex hedging type mutual funds done? Find out. Plus, we talk about both hurrican and market panic.
Then, we take your calls:

What happened to your podcasts in mid-September?

How to buy treasury securities on their initial offering?

How does the "wash sale rule" work and how to define a "substantially identical" security.

Is AVUV worth the higher fees compared with a pure small cap value index?


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]]> So, how are those complaex hedging type mutual funds done? Find out. Plus, we talk about both hurrican and market panic.
Then, we take your calls:

What happened to your podcasts in mid-September?

How to buy treasury securities on their initial offering?

How does the "wash sale rule" work and how to define a "substantially identical" security.

Is AVUV worth the higher fees compared with a pure small cap value index?


Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

]]> Don McDonald 30110ef8-2eb4-11f1-b6ec-2f7c575e25ff Mon, 26 Sep 2022 16:42:09 -0400 2247 false Old & Poor in America Old & Poor in America
Today, is the American retirement system broken and what can you do to avoid poverty in your final years?
PlUs, a reformed stockbroker wonders about using actively managed funds to create an income portfolio?
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]]>
Today, is the American retirement system broken and what can you do to avoid poverty in your final years?
PlUs, a reformed stockbroker wonders about using actively managed funds to create an income portfolio?
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]]> Don McDonald 43076fac-2eb4-11f1-b6ec-d7f32d93da76 Fri, 23 Sep 2022 13:58:19 -0400 1600 false Time to Retire? Time to Retire? Then, on to your questions:

What do we think of an "advisors" advice to use American Funds in lieu of Vanguard funds?

How much can a working teenager contribute to a Roth?

How can money be given to grandkids and yet protected being used too early?

Is her bank advisor actually a fiduciary and how do they make money?


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]]> Then, on to your questions:

What do we think of an "advisors" advice to use American Funds in lieu of Vanguard funds?

How much can a working teenager contribute to a Roth?

How can money be given to grandkids and yet protected being used too early?

Is her bank advisor actually a fiduciary and how do they make money?


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]]> Don McDonald 3cae0f26-2eb4-11f1-b6ec-877119e7af63 Tue, 20 Sep 2022 16:58:00 -0400 2191 false The Power of Luck The Power of Luck
From there we take listeners questions:

When should a 529 plan be funded?

Immediate joint annuity...?

Moving money to Fidelity. How should he switch to indexes.


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]]>
From there we take listeners questions:

When should a 529 plan be funded?

Immediate joint annuity...?

Moving money to Fidelity. How should he switch to indexes.


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]]> Don McDonald 69d6eb62-2eb4-11f1-b6ec-7fbff9204056 Mon, 19 Sep 2022 18:22:07 -0400 2203 false Add Bonds, Too. Add Bonds, Too. What is the diffrenece between stocks and bonds and why do you need those boring bonds? He also discusses the power of broad diversification and a long period during which owning the S&P 500 alone was disasterous.
Plus, Tom takes questions:
Another call about I-Bonds
How do we view REITs?
Thoughts on a Social Security withdrawal strategy?
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]]> What is the diffrenece between stocks and bonds and why do you need those boring bonds? He also discusses the power of broad diversification and a long period during which owning the S&P 500 alone was disasterous.
Plus, Tom takes questions:
Another call about I-Bonds
How do we view REITs?
Thoughts on a Social Security withdrawal strategy?
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]]> Don McDonald 744c46aa-2eb4-11f1-b6ec-17fcb0206d49 Sun, 18 Sep 2022 14:33:36 -0400 2204 false Lessons from a Queen Lessons from a Queen Tom uses the passing of Queen Elizabeth to make a point about investing consistency.
Do you know your retirement number?
Can you really retire in a recession?
Can iBonds be used in retirement accounts?
What should be done with low interest rate credit union money?
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]]> Tom uses the passing of Queen Elizabeth to make a point about investing consistency.
Do you know your retirement number?
Can you really retire in a recession?
Can iBonds be used in retirement accounts?
What should be done with low interest rate credit union money?
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]]> Don McDonald 8c13074c-2eb4-11f1-b6ec-a3e70836eb2e Fri, 16 Sep 2022 16:34:05 -0400 2158 false Getting Back to Work Getting Back to Work
Which mutual funds should be used in new Fidelity IRAs?

What's a good ETF in which to park tax loss assets?


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]]>
Which mutual funds should be used in new Fidelity IRAs?

What's a good ETF in which to park tax loss assets?


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]]> Don McDonald 643dac9a-2eb4-11f1-b6ec-376deb8f781a Thu, 08 Sep 2022 18:24:50 -0400 1667 false Always Right Always Right Then, we hear from a bunch of listeners:

One shares a great Vanguard experience.

Another with some really bad investments.

Are Vanguard and few other fund groups facing government intervention?

We hear about the elcetic concept of private foundations avoiding RMD.

Must money be in Roth for five years before withdrawals?

Finally, what do we think of the Fidelity Zero funds?


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]]> Then, we hear from a bunch of listeners:

One shares a great Vanguard experience.

Another with some really bad investments.

Are Vanguard and few other fund groups facing government intervention?

We hear about the elcetic concept of private foundations avoiding RMD.

Must money be in Roth for five years before withdrawals?

Finally, what do we think of the Fidelity Zero funds?


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]]> Don McDonald 6047b004-2eb4-11f1-b6ec-7fa645b70e8d Wed, 07 Sep 2022 17:11:37 -0400 2236 false Retiring in a Bad Market Retiring in a Bad Market We hear from listeners:

About Vanguard's declining level of customer support.

Wondering if Tom remembers him?

Bashing us for bashing crypto.

It was a holiday.


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]]> We hear from listeners:

About Vanguard's declining level of customer support.

Wondering if Tom remembers him?

Bashing us for bashing crypto.

It was a holiday.


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]]> Don McDonald a5b51492-2eb4-11f1-b6ec-cb154fdd6197 Tue, 06 Sep 2022 17:41:31 -0400 2244 false Worthless Writings Worthless Writings Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 6bc92282-2eb4-11f1-b6ec-c7e7ce12d9d5 Thu, 01 Sep 2022 19:07:00 -0400 1483 false More Pointless Products More Pointless Products Then a listener wonders how to get into Dimensional Funds' products?
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]]> Then a listener wonders how to get into Dimensional Funds' products?
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]]> Don McDonald b7d088dc-2eb4-11f1-b6ec-578f1be95e64 Wed, 31 Aug 2022 17:15:38 -0400 1582 false 401 Fiduciary Failure? 401 Fiduciary Failure? Then we take lots of listener questions:

Is Vanguard getting out of mutual fund business?

How do ETFs work and why use them?

What might happen to a company when all shares are held internally?

Will savings rates ever get reasonable again?

How do Treasury Bills work?

Must IRA accounts have beneficiaries named?


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]]> Then we take lots of listener questions:

Is Vanguard getting out of mutual fund business?

How do ETFs work and why use them?

What might happen to a company when all shares are held internally?

Will savings rates ever get reasonable again?

How do Treasury Bills work?

Must IRA accounts have beneficiaries named?


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]]> Don McDonald 5ebb4994-2eb4-11f1-b6ec-af35ef1f4579 Tue, 30 Aug 2022 16:27:00 -0400 2194 false 1,000 and 10,000 1,000 and 10,000 Listeners ask:

Does it make sense to tax-loss harvest in tax-advantaged accounts?

How long does the IRS expect us to live?


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]]> Listeners ask:

Does it make sense to tax-loss harvest in tax-advantaged accounts?

How long does the IRS expect us to live?


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]]> Don McDonald 737ea218-2eb4-11f1-b6ec-873534ced61e Mon, 29 Aug 2022 17:17:03 -0400 2189 false A Better Way to Q&A A Better Way to Q&A
What to we think about market timing?

How can he add small and emerging markets with a mediocre 401k?

What is the worst case scenarion for an I-Bond buyer?

What is a basis point and is Tom caffeinated?

Can a retored spouse have a Roth IRA and Personal Capital's new savings account?

What should be done with next year's Roth contributions?


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]]>
What to we think about market timing?

How can he add small and emerging markets with a mediocre 401k?

What is the worst case scenarion for an I-Bond buyer?

What is a basis point and is Tom caffeinated?

Can a retored spouse have a Roth IRA and Personal Capital's new savings account?

What should be done with next year's Roth contributions?


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]]> Don McDonald 67fec044-2eb4-11f1-b6ec-63e65d70b4f0 Fri, 26 Aug 2022 17:56:27 -0400 2088 false Are There No Fiduciaries? Are There No Fiduciaries? Plus, listeners want to know what to do with a bunch of Microsoft stocks and what is the difference between Dimensional and Avantis?
Also, check out the video version at YouTube.com/talkingrealmoney
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]]> Plus, listeners want to know what to do with a bunch of Microsoft stocks and what is the difference between Dimensional and Avantis?
Also, check out the video version at YouTube.com/talkingrealmoney
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]]> Don McDonald c7109d82-2eb4-11f1-b6ec-9397893a64a5 Thu, 25 Aug 2022 19:50:00 -0400 2042 false Are There No Rules? Are There No Rules? A listener wonders if Social Security can be considered part of a fixed-income portfolio?
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]]> A listener wonders if Social Security can be considered part of a fixed-income portfolio?
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]]> Don McDonald 63238e7e-2eb4-11f1-b6ec-b373c56d0117 Wed, 24 Aug 2022 18:00:29 -0400 1384 false Just Change the Rules Just Change the Rules A caller wonders if annuities are guaranteed and what to do with them?
What's the best way to fund retirement accounts for young children?
How could Wellington and Wellesley be recreated with index funds?
In which accounts should bonds be held?
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]]> A caller wonders if annuities are guaranteed and what to do with them?
What's the best way to fund retirement accounts for young children?
How could Wellington and Wellesley be recreated with index funds?
In which accounts should bonds be held?
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]]> Don McDonald 6fcbeeb4-2eb4-11f1-b6ec-d74d034c4c76 Tue, 23 Aug 2022 17:31:33 -0400 2187 false The Great Ed and Med Ruse The Great Ed and Med Ruse Then onto the questions:

Where can the most recent IRS mortality tables ne found?

Does al all value portfolio make sense?

What should be done with an old fixed annuity?


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]]> Then onto the questions:

Where can the most recent IRS mortality tables ne found?

Does al all value portfolio make sense?

What should be done with an old fixed annuity?


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]]> Don McDonald 57e7d65a-2eb4-11f1-b6ec-3fd5373f8fcf Mon, 22 Aug 2022 17:22:28 -0400 2181 false Chock Full O' Qs Chock Full O' Qs
How should bonds be added to a portfolio?

Is it time to abandon the sinking ARKK?

Does Crowdstreet look like a good investment?

Will a 70-year old employee face any emergency 401k penalties?

Are these advisors always fiduciaries?

Any apparent problems with this 60/40 portfolio?


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]]>
How should bonds be added to a portfolio?

Is it time to abandon the sinking ARKK?

Does Crowdstreet look like a good investment?

Will a 70-year old employee face any emergency 401k penalties?

Are these advisors always fiduciaries?

Any apparent problems with this 60/40 portfolio?


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]]> Don McDonald c2f951a8-2eb4-11f1-b6ec-ab4066384ca1 Fri, 19 Aug 2022 16:57:15 -0400 1526 false Paying Too Much Paying Too Much Be sure to watch the video to get the visual details at youtube.com/talkingrealmoney
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]]> Be sure to watch the video to get the visual details at youtube.com/talkingrealmoney
Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald a274b008-2eb4-11f1-b6ec-53bfc76a2ba3 Thu, 18 Aug 2022 19:12:05 -0400 1041 false Who Shot Crypto? Who Shot Crypto? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald a7790831-2bb2-4289-b979-0bba65b2e9b2 Wed, 17 Aug 2022 16:37:30 -0400 1413 false Famously Bad Advice Famously Bad Advice Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 2dbd42ab-fe65-4c42-a7db-057262f3e6ad Tue, 16 Aug 2022 17:36:00 -0400 2175 false Reacting to News Reacting to News Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f12e3b20-4c9b-404c-84d9-e4a80862a2b8 Mon, 15 Aug 2022 16:22:40 -0400 1997 false Bad Brokers Sell Insurance Bad Brokers Sell Insurance Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 299c44ac-db40-4ed4-b468-bae08e327817 Wed, 10 Aug 2022 15:46:23 -0400 2144 false Essentials Ignorance Essentials Ignorance Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f20efacd-c082-45bb-82eb-954026f69a58 Mon, 08 Aug 2022 17:51:18 -0400 2036 false Friday Means Questions Friday Means Questions Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 799f3ec4-2e51-44da-a388-944f0d1ae050 Fri, 05 Aug 2022 17:01:38 -0400 1969 false Too Little to Retire? Too Little to Retire? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 6cddb593-b62e-4348-93a2-0c37594b37f8 Thu, 04 Aug 2022 16:10:23 -0400 1534 false Returns Can Deceive Returns Can Deceive Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9b7eac9b-a680-4e20-b466-0d30b4755a07 Wed, 03 Aug 2022 17:20:17 -0400 1410 false "Baloney Storm" "Baloney Storm" Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 05188759-6702-4427-a919-99c689b3681d Tue, 02 Aug 2022 17:15:15 -0400 2130 false Gambling and Social Security Gambling and Social Security Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 2907abb0-4d32-4d1a-8182-b36711d881d5 Mon, 01 Aug 2022 17:05:29 -0400 2189 false Yes, Q&A Day is back Yes, Q&A Day is back Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9a7cb196-3d5d-43f6-8c83-2ac092d253f4 Fri, 29 Jul 2022 18:50:52 -0400 1599 false Wanna Retire Early? Wanna Retire Early? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3d09709c-7168-49d7-a705-e3d8df2064d6 Thu, 28 Jul 2022 18:27:44 -0400 1692 false Crazy Crypto Counseling Crazy Crypto Counseling Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 51ea9607-a984-4ad8-a633-13bf04df3aab Wed, 27 Jul 2022 18:17:00 -0400 1501 false Lying by Omission Lying by Omission Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ebd68b23-4f77-4526-acc9-73828cd38829 Tue, 26 Jul 2022 20:14:25 -0400 2170 false Sell House Now or Later? Sell House Now or Later? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 62636753-80be-40a9-85d7-2ce3d3fb73a2 Mon, 25 Jul 2022 17:59:27 -0400 2067 false High Returns, No Risk High Returns, No Risk Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald bd0d0d14-5bc6-4716-a08f-edb9d10bab82 Fri, 22 Jul 2022 16:48:16 -0400 2164 false Fowl Prices Fowl Prices Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 1145a62f-381c-45d4-a4bc-5f02faac48b0 Tue, 19 Jul 2022 17:57:24 -0400 2240 false Prepare For Bear Prepare For Bear Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 26ddb815-31f3-4ad7-bd5b-4680e9763955 Thu, 14 Jul 2022 18:34:58 -0400 1565 false Snowballing Swindles Snowballing Swindles Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3f0200cb-f78d-41ec-b7ac-bc1a53c80905 Wed, 13 Jul 2022 17:32:19 -0400 1454 false In Case of Recession... In Case of Recession... Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 93c6edae-8a22-4cf1-9b78-b519e6ce8a8a Tue, 12 Jul 2022 18:35:20 -0400 2064 false When to Do What? When to Do What? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 89befcff-945d-4a0a-a83b-fd0ee0866549 Mon, 11 Jul 2022 16:21:58 -0400 2169 false Just a Few Good Qs Just a Few Good Qs Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 80b7bd2b-35df-4508-a693-b170d85f351b Fri, 08 Jul 2022 15:50:06 -0400 1023 false The Truth About Rollovers The Truth About Rollovers Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3f116b30-fdf9-469f-8a3e-02c7b98851a6 Thu, 07 Jul 2022 17:52:31 -0400 1718 false Annuities: Agreeing With Dave Annuities: Agreeing With Dave Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 027682a4-9834-4d9d-b7bd-f25b0240ad69 Wed, 06 Jul 2022 17:22:06 -0400 2147 false Holiday Caller Day Holiday Caller Day Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 7d42fd63-b9a7-402b-a3bc-622713d70c9c Tue, 05 Jul 2022 17:01:40 -0400 2077 false More of Your Questions More of Your Questions Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 1176247f-f201-4e52-a1f2-d4f68b050ef6 Fri, 01 Jul 2022 16:58:54 -0400 1617 false Bad Six Months Bad Six Months Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald a44c7a2c-a9c4-474f-8e29-33fa81980fa0 Thu, 30 Jun 2022 17:11:19 -0400 1475 false Pensions Compound Mistakes Pensions Compound Mistakes Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f1e0d790-e8e8-4820-a170-107e958a44e8 Wed, 29 Jun 2022 16:02:25 -0400 1065 false Growth to Value to ARKK Growth to Value to ARKK Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f50266cd-6bb8-4458-95f2-f4d9ff911b59 Tue, 28 Jun 2022 18:45:52 -0400 2127 false Creating Retirement Income Creating Retirement Income Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 07b14200-ba4a-47b1-8842-aa57e14427ee Mon, 27 Jun 2022 18:36:07 -0400 2179 false You're Q'ing Again You're Q'ing Again Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 080f9840-6bb4-4949-a438-7b88f82b2b62 Fri, 24 Jun 2022 17:21:37 -0400 1571 false Bad News Letters Bad News Letters Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d734bd97-6338-4891-ab31-40aa0e70d469 Thu, 23 Jun 2022 16:29:15 -0400 1628 false Bad Time to Retire? Bad Time to Retire? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f71da656-8019-4db4-ab45-a246359f19f6 Wed, 22 Jun 2022 14:45:24 -0400 1643 false Woods' Titanic Losses Woods' Titanic Losses Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald fe5ed9cc-cd94-464e-887d-4df050c7faf7 Tue, 21 Jun 2022 18:09:49 -0400 2163 false Crypto and Gold... Crypto and Gold... Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 11822175-6894-4154-8cec-f8a30f56a738 Mon, 20 Jun 2022 16:18:18 -0400 2251 false Doge Con? Doge Con? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 076767a8-cb04-4b73-b2c2-538909e03fcc Fri, 17 Jun 2022 16:30:13 -0400 1209 false Talking Real Risk Talking Real Risk Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 95538093-1e34-41ca-9778-755cc174d794 Thu, 16 Jun 2022 18:29:19 -0400 1940 false Risk-Free Stock Returns? Risk-Free Stock Returns? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 42d35d1d-36bb-4131-b397-9df687adf978 Wed, 15 Jun 2022 17:12:12 -0400 1255 false How Bad Was It? How Bad Was It? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 59093326-e233-4bd1-8ed0-12b39a0ee8ce Wed, 30 Mar 2022 17:14:34 -0400 1988 false "Better" Investments Rarely Are "Better" Investments Rarely Are Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 417d8e2a-86f8-4b7e-be25-2f3cb3b9c2be Fri, 18 Mar 2022 12:17:47 -0400 1889 false Sex and the Fiduciary Sex and the Fiduciary Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 7037b173-1fb0-4e16-9415-45ea97fd3d33 Thu, 17 Mar 2022 17:21:50 -0400 1461 false Q&A Different Day Q&A Different Day Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 2d14623b-ff62-4032-a8c7-f81a9cd05cfd Wed, 16 Mar 2022 14:24:41 -0400 1700 false Dealing With Inflation Dealing With Inflation Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 201f87df-8e51-4b63-8b95-2af988242aa1 Mon, 14 Mar 2022 16:29:32 -0400 2209 false 3.4.17 – Make Money for You 3.4.17 – Make Money for You Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 726e443b-d450-4926-8505-65cd7ac7b492 Tue, 08 Mar 2022 17:27:33 -0500 2111 false Bogle Said "Don't Peek" Bogle Said "Don't Peek" Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 4fdeaece-a3ea-4070-b430-83d069e6dd09 Mon, 07 Mar 2022 16:20:01 -0500 2162 false War, Investing, Questions War, Investing, Questions Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald aeaa1779-1584-4bf5-8848-cd41720349b6 Fri, 04 Mar 2022 17:08:18 -0500 1641 false Focused Investing Fails Focused Investing Fails Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d890fe84-cb87-4a01-8be8-dc2d7c342249 Thu, 03 Mar 2022 16:19:00 -0500 1276 false Need to Do Something? Need to Do Something? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald aa964dc0-eab4-408f-aee2-8136fb757bb9 Wed, 02 Mar 2022 17:00:20 -0500 1384 false Too Many Active ETFs Too Many Active ETFs Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 448aed91-300e-4448-8c67-68cc975376e0 Tue, 01 Mar 2022 17:17:02 -0500 2220 false When Bad Things Happen... When Bad Things Happen... Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b76951df-50de-4aff-b312-9f766b361ed7 Mon, 28 Feb 2022 16:20:45 -0500 2164 false 4.12.17 – The Big Question 4.12.17 – The Big Question Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 4cda179c-1a79-4457-a061-3f95ace13be4 Sun, 27 Feb 2022 14:54:49 -0500 4004 false 3.18.17 – Investing in Old Sitcoms 3.18.17 – Investing in Old Sitcoms Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 1733f9b3-3788-4be2-88d5-5a191cd66564 Sat, 26 Feb 2022 15:19:08 -0500 4967 false A Little Ukraine + Q&A A Little Ukraine + Q&A Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 19b2bf0c-b4e0-4d64-91e0-f40740b4ffe0 Fri, 25 Feb 2022 16:39:00 -0500 1982 false Up Without Down Up Without Down Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 1245adc7-1e29-443a-870c-60eb32cd6ed4 Thu, 24 Feb 2022 17:09:39 -0500 1702 false Admit Your Money Mistakes Admit Your Money Mistakes Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald dcd0be05-11dc-4260-97c3-3dde80b9a9a4 Mon, 21 Feb 2022 16:42:42 -0500 1898 false 4.6.17: Only One Way to Invest 4.6.17: Only One Way to Invest Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e051551e-33ae-4cb1-baf1-e2fccde91f07 Sun, 20 Feb 2022 13:00:00 -0500 3940 false 4.20.17 – Dave Ramsey ELP'd Out 4.20.17 – Dave Ramsey ELP'd Out Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 8a5de972-3957-4655-a713-bee110d43515 Sat, 19 Feb 2022 14:35:14 -0500 4084 false Q&A Extravaganza Q&A Extravaganza Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d4bd4146-6819-46a3-86e0-fffaba22ca73 Fri, 18 Feb 2022 16:22:27 -0500 2193 false More Annuity Arguments More Annuity Arguments Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e2038615-501c-47bf-914d-be5eccf7ade4 Thu, 17 Feb 2022 13:39:35 -0500 1354 false Family Financial Fights Family Financial Fights Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald fc852b0e-8a22-4b61-a21b-6d52e87bc2d3 Wed, 16 Feb 2022 15:53:03 -0500 1342 false Inflation Beats Banks Inflation Beats Banks Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 7836e297-67d4-4817-a46b-22ce362144a9 Tue, 15 Feb 2022 17:28:53 -0500 2248 false You'll Just Be Guessing. You'll Just Be Guessing. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b252bdfb-37b6-4927-876d-8f27b5476db6 Mon, 14 Feb 2022 16:48:17 -0500 2275 false 4.24.17 – Beyond Human Capital 4.24.17 – Beyond Human Capital Questions? Comments? Click!

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]]> Don McDonald b28d09e8-f75a-40bd-8214-9c569db276d3 Sun, 13 Feb 2022 14:42:28 -0500 4114 false 5.3.17 – Expect How Much? 5.3.17 – Expect How Much? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e3d7585a-4803-4ea2-b933-5c5008e239c7 Sat, 12 Feb 2022 21:58:46 -0500 4140 false Don's Big Q&A Day Don's Big Q&A Day Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 29f781a3-dba4-4671-9bc3-97f844dcfc31 Fri, 11 Feb 2022 15:59:26 -0500 1749 false Self-Regulation Oxymoronic Self-Regulation Oxymoronic Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 333dff42-1878-4df1-a00b-73e586f3b72c Thu, 10 Feb 2022 16:49:29 -0500 1638 false Congress, Stocks, and You Congress, Stocks, and You Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b8340038-8075-42df-9fb7-fe46399e8bab Wed, 09 Feb 2022 17:23:45 -0500 1481 false Blockchain Blockheads Blockchain Blockheads Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald a7b05aaa-3a52-43e9-8a3d-8d8dc7ff4f62 Tue, 08 Feb 2022 16:48:36 -0500 2226 false No Solo Stocks No Solo Stocks Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 86618cff-0416-4840-9180-ea7ffd4a4701 Mon, 07 Feb 2022 16:36:58 -0500 2167 false 5.12.17 – Real College Investing 5.12.17 – Real College Investing Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 240ad61c-3568-48d2-84f9-21d958f87451 Sun, 06 Feb 2022 15:40:50 -0500 3995 false 5.9.17 – Do You Really Believe...? 5.9.17 – Do You Really Believe...? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 0ae02e7c-b409-468c-87a2-94821badbbf8 Sat, 05 Feb 2022 16:50:17 -0500 3934 false Another Big Q&A Day Another Big Q&A Day Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 185a9849-50d1-44c2-9ba9-87b4b8fdea14 Fri, 04 Feb 2022 16:37:31 -0500 1870 false Buying the Robots Buying the Robots Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 2eb36c28-cbf0-4fa6-845e-52ab30b09bbc Thu, 03 Feb 2022 16:03:44 -0500 1877 false Ignoring the Facts Ignoring the Facts Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 31610abb-5e3c-4df7-9560-652d8cf5c4e5 Wed, 02 Feb 2022 16:25:30 -0500 1786 false Over Stocked? Over Stocked? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ce9aea3c-2b70-43e3-b82b-dc19a7af4c31 Tue, 01 Feb 2022 13:13:48 -0500 2180 false Quit Portfolio Peeking Quit Portfolio Peeking Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9c5c4832-f845-44d3-9da4-86de57c310b1 Mon, 31 Jan 2022 16:25:15 -0500 2213 false 5.26.17 – Questions from Classes 5.26.17 – Questions from Classes Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e52741f8-1040-4acd-9072-3f3a41ef2c97 Sun, 30 Jan 2022 11:00:00 -0500 4074 false 6.2.17 – Advisor a Fiduciary? 6.2.17 – Advisor a Fiduciary? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 28bef2c4-fe37-4bea-a7ab-1d4e1abc68eb Sat, 29 Jan 2022 13:06:34 -0500 1354 false Another Day of Q&A Another Day of Q&A Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 89a12177-cd27-4e92-820d-43feb0600e77 Fri, 28 Jan 2022 18:09:08 -0500 1546 false Avoid Portfolio Panic Avoid Portfolio Panic Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 904e21a1-c42e-4461-b727-c10d1ae49429 Thu, 27 Jan 2022 15:54:46 -0500 1478 false Crypto to Zero? Crypto to Zero? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c1f0f0f9-b922-4169-a02e-a923dacc6bda Wed, 26 Jan 2022 18:06:31 -0500 1316 false Dumb "Smart" Money Dumb "Smart" Money Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald fc5aa4fe-c221-41f2-a8ad-8e6e51a80cdd Tue, 25 Jan 2022 16:02:58 -0500 2219 false Vanguard's Big, Bad Surprise Vanguard's Big, Bad Surprise Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 80711b87-4c77-4152-90b5-9520609323eb Mon, 24 Jan 2022 13:59:55 -0500 2225 false 6.2.17 – You Charge How Much?! 6.2.17 – You Charge How Much?! Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5364fd4b-1aa2-416b-a38e-6042b4872672 Sun, 23 Jan 2022 12:00:00 -0500 1498 false 6.2.17 – Find the Fees 6.2.17 – Find the Fees Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c0794bc5-09cb-472d-9464-5b7c2af55edd Sat, 22 Jan 2022 16:59:07 -0500 1130 false Down Day Q&A Down Day Q&A Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 0b4bbdb0-98fc-4eeb-9604-eb013f847e12 Fri, 21 Jan 2022 15:36:04 -0500 1749 false Ignore Future Guesses Ignore Future Guesses Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 810087a0-7b72-4d40-ab79-ac575a071e2f Thu, 20 Jan 2022 16:41:24 -0500 1690 false Stock Go Up More Stock Go Up More Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 0693a8a4-4c4f-4a77-84de-c9a3664f3612 Thu, 20 Jan 2022 13:15:51 -0500 2109 false Bonds Went Down! Bonds Went Down! Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 8ff2a79b-769d-42e0-8444-a8457d1246c1 Wed, 19 Jan 2022 17:06:49 -0500 1383 false An Overloaded ETF Goes Down An Overloaded ETF Goes Down Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e6efe34c-0c8b-4a1b-bcc3-c75288d2e3ce Mon, 17 Jan 2022 12:53:33 -0500 2191 false 6.9.17 – What, Tom Arrogant? 6.9.17 – What, Tom Arrogant? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d080bc8d-c781-4321-8a73-cc96bc32d072 Sat, 15 Jan 2022 17:55:07 -0500 1536 false Don Loves Questions Don Loves Questions Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ae2da0cb-75f7-4b01-b7d3-6739319064d0 Fri, 14 Jan 2022 17:34:34 -0500 1941 false Query Catch-Up Query Catch-Up Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald af7e057c-d7d0-423e-83d6-ae5a8ecb13dc Thu, 13 Jan 2022 12:24:32 -0500 1640 false Missing the Real Target Missing the Real Target Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b4a6d9c4-d118-4216-bbf3-3eb6e3df8874 Wed, 12 Jan 2022 17:04:37 -0500 1415 false Bad Investing Habits Bad Investing Habits Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ca4766db-109b-476a-b5a9-f61f13645d47 Tue, 11 Jan 2022 16:47:14 -0500 2116 false Financial Knowledge in Jeopardy Financial Knowledge in Jeopardy Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 68c357d4-2500-413b-b40c-10af22bdb0aa Mon, 10 Jan 2022 13:42:20 -0500 2104 false 6.16.17 – Lying by Omission 6.16.17 – Lying by Omission Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 4110fd2b-23b7-41c9-abaf-74bf54a4f57d Sun, 09 Jan 2022 14:11:14 -0500 1380 false Don's Friday Quiz Show Don's Friday Quiz Show Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 170514d6-c399-4e3d-bba0-416a1d3ec399 Fri, 07 Jan 2022 16:11:55 -0500 2078 false An Extra Day of Q&A An Extra Day of Q&A Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 4cf15b8f-5ebf-4338-944d-5ec0aee85428 Thu, 06 Jan 2022 15:21:09 -0500 1305 false The Case Against Gold The Case Against Gold Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9d0713c8-b708-478a-943b-206723b70649 Wed, 05 Jan 2022 12:56:00 -0500 1303 false Hope Springs Eternal Hope Springs Eternal Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c02cd72f-bed7-40ed-82de-a69298bf1a2f Tue, 04 Jan 2022 15:24:23 -0500 2171 false Fear Foolishness Fear Foolishness Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 19523eaa-8941-4078-a990-e36aa073c6a8 Mon, 03 Jan 2022 18:03:49 -0500 2186 false 6.9.17 – Life Insurance Truth 6.9.17 – Life Insurance Truth Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 291b8821-3f5f-4c03-bddb-5e135875f463 Sun, 02 Jan 2022 12:00:00 -0500 1388 false 6.9.17 – Are We Arrogant? 6.9.17 – Are We Arrogant? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 772040db-01c0-47eb-8d63-722a94b8c6bc Sat, 01 Jan 2022 12:00:00 -0500 1536 false 6.9.17 – Hiring a Robot 6.9.17 – Hiring a Robot Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3bd73715-4240-4833-bfad-2e7ae89a64ac Fri, 31 Dec 2021 12:00:00 -0500 1394 false 6.16.17 – Not a True Fiduciary 6.16.17 – Not a True Fiduciary Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b7e0c1b0-be4d-40c9-8479-035229506ee8 Thu, 30 Dec 2021 12:00:00 -0500 1450 false 6.16.17 – Can You Lose It All? 6.16.17 – Can You Lose It All? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ca214f78-0a12-4140-b3a0-f3c17cf6659b Wed, 29 Dec 2021 12:00:00 -0500 1310 false 6.16.17 – Lying by Omission 6.16.17 – Lying by Omission Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 1b1cfa21-3eb0-420c-b797-15484162626e Tue, 28 Dec 2021 13:00:00 -0500 1380 false 12.27.16 – Know What You Don't Know 12.27.16 – Know What You Don't Know Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f596e751-b479-4af4-9271-3fbf85906764 Mon, 27 Dec 2021 13:00:00 -0500 4993 false 12.13.16 – Speculating or Investing 12.13.16 – Speculating or Investing Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d912cc65-d536-47ea-8a0e-73e7c4217f81 Sun, 26 Dec 2021 13:00:00 -0500 4755 false 12.23.14 - Happy Holidays 12.23.14 - Happy Holidays Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 18d524dc-c995-4886-80bb-55871c2f12aa Fri, 24 Dec 2021 13:00:00 -0500 2465 false Q&A on Thursday? Q&A on Thursday? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald a05e35a3-5754-41b9-8d3d-277333181d2c Thu, 23 Dec 2021 12:48:31 -0500 1762 false Just Be Honest Just Be Honest Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 4f29dc95-80fa-4d1d-9bc2-d8aa3a56d029 Wed, 22 Dec 2021 17:19:04 -0500 1333 false Want 7% Per Year? Want 7% Per Year? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b5f6ebdc-99b0-4bcf-8a45-125f0de06b37 Tue, 21 Dec 2021 15:59:35 -0500 2177 false More Fiduciary Follies More Fiduciary Follies Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 97f1032b-86d5-41a2-9250-616f7df37c68 Mon, 20 Dec 2021 16:31:30 -0500 2232 false 6.23.17 – The Wild West of Podcasting 6.23.17 – The Wild West of Podcasting Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 651c1525-6859-4a40-ba4c-140f2a3d5546 Sat, 18 Dec 2021 17:08:59 -0500 1462 false Pre-Holiday Q&A Day Pre-Holiday Q&A Day Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald a63adbab-603e-4686-b32f-4a602f78709f Wed, 15 Dec 2021 17:23:15 -0500 1367 false Imaginary Money Magic? Imaginary Money Magic? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 17b1e729-81c7-4d96-98ee-6761f13d0164 Sat, 11 Dec 2021 17:15:21 -0500 2784 false The Great Question Episode The Great Question Episode Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 0e6e9c49-3f7c-4a33-96ff-5d420cd2baef Fri, 10 Dec 2021 17:12:55 -0500 2258 false Terrible Money Gifts Terrible Money Gifts Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 52a37cf9-bcf3-4edb-a0fe-5cc17f256b0f Mon, 06 Dec 2021 15:35:53 -0500 2178 false 7.7.17 – Whaddya Know? 7.7.17 – Whaddya Know? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald bf7cf5be-060b-4df2-aba9-b28f1310cc65 Mon, 29 Nov 2021 13:13:10 -0500 2193 false 7.21.17 – Don't Own Your Own! 7.21.17 – Don't Own Your Own! Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ba651843-754c-4106-8961-f10c213578ad Sun, 28 Nov 2021 13:00:00 -0500 3062 false 7.28.17 – Money Should Work for You 7.28.17 – Money Should Work for You Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f3505095-7802-4dae-be8e-768e99ea2df6 Fri, 26 Nov 2021 17:39:37 -0500 1286 false 8.4.2017 – Single Organism Investing 8.4.2017 – Single Organism Investing Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 6a5cef20-1cc6-4f67-82eb-06c3e7eeb2c7 Thu, 25 Nov 2021 13:00:00 -0500 3148 false 8.11.17 - Dow 22,000 8.11.17 - Dow 22,000 Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 06681ee0-25a3-490d-af90-53b428e916f3 Tue, 23 Nov 2021 11:41:51 -0500 2233 false Hidden Index Fund Problem Hidden Index Fund Problem Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 0380f845-f953-43a7-afc4-56b577d87a93 Mon, 22 Nov 2021 16:35:38 -0500 2233 false 8.18.17 – Anything for a Buck 8.18.17 – Anything for a Buck Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e098313d-ae3a-4c7b-b566-2f8e610d5cd4 Thu, 18 Nov 2021 12:51:44 -0500 1366 false The Safe Wealth Illusion The Safe Wealth Illusion Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 28071a9d-d555-4df6-84cb-7e222a824ce8 Mon, 15 Nov 2021 12:47:02 -0500 2208 false 9.1.17 – Insurance Disguised as Investing 9.1.17 – Insurance Disguised as Investing Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 947c729f-d981-44eb-b721-700568ce4707 Sun, 14 Nov 2021 15:00:00 -0500 3257 false 9.8.17 – Product Peddler Problems 9.8.17 – Product Peddler Problems Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d361d279-6953-466a-b14f-624d33bb98b4 Sat, 13 Nov 2021 15:00:00 -0500 2947 false A Buck and Some Qs A Buck and Some Qs Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 1eea5ef1-9cc0-40c0-8c52-09ded7c54c58 Fri, 12 Nov 2021 15:11:20 -0500 1102 false Old vs. New Fund Managers... Old vs. New Fund Managers... Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 20e4dfdc-9015-44b4-a6c1-7c839b4ea553 Thu, 11 Nov 2021 16:40:41 -0500 1023 false Future Failures of America Future Failures of America Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e56694d8-18d5-41d6-9b3e-49db24885d6e Wed, 10 Nov 2021 17:08:17 -0500 961 false Can You Afford to Retire? Can You Afford to Retire? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald bb40ce48-80d8-42e2-9423-73650b64f551 Mon, 08 Nov 2021 16:26:55 -0500 2222 false Post-Booster Q&A Post-Booster Q&A Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 4121a7da-2d3d-42cf-a2d1-c0f27aee5a24 Fri, 05 Nov 2021 17:27:33 -0400 2074 false Data Mining? Data Mining? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ed5c5e19-c562-446f-95b0-8e9c239b3adb Thu, 04 Nov 2021 16:05:18 -0400 1070 false Forecasters Flounder Forecasters Flounder Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e0257b5d-dc96-4563-82eb-0e2f2c610f3d Wed, 03 Nov 2021 17:50:33 -0400 1077 false The Scourge of Annuities The Scourge of Annuities Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 140edea2-ba7b-412d-9129-971aa162ddb1 Tue, 02 Nov 2021 16:09:22 -0400 2271 false Bury the Bond Bull? Bury the Bond Bull? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f4d1d9cd-f852-4b67-8fc0-f54fb650098e Mon, 01 Nov 2021 17:15:12 -0400 2115 false Social Security Special Social Security Special Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 49e8e528-965e-4338-8d25-52b9de171113 Sat, 30 Oct 2021 18:29:37 -0400 1154 false A Whole Lotta Queries A Whole Lotta Queries Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 25200aeb-647a-4b9e-829b-47f8745bd6f2 Fri, 29 Oct 2021 17:06:08 -0400 1706 false Control Only What You Can Control Only What You Can Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9e71a48a-ec4a-4b39-b82d-3b974d808af8 Thu, 28 Oct 2021 16:53:24 -0400 913 false What About Inflation? What About Inflation? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5f66483d-2394-472f-9823-16e62562059e Wed, 27 Oct 2021 16:47:37 -0400 1031 false Beat It or Be It? Beat It or Be It? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 1ce441cb-6541-4494-8cbf-053e7102da88 Tue, 26 Oct 2021 16:06:00 -0400 2322 false More Betting on BitCoin More Betting on BitCoin Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 240e1323-47f5-4d7e-a389-36eda7cb32ae Fri, 22 Oct 2021 17:14:59 -0400 1597 false The Demise of 60/40 The Demise of 60/40 Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e7b0d616-3a35-47a4-ba35-098b10cb65d7 Wed, 20 Oct 2021 16:15:44 -0400 1504 false Prediction Contradictions Prediction Contradictions Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 43a72fe1-8cb5-4c1e-8164-1d4539f98f35 Tue, 19 Oct 2021 17:50:49 -0400 2231 false Fortune's Fine Facts Fortune's Fine Facts Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 293c4da1-193e-41e5-a500-51dc4d40b424 Mon, 18 Oct 2021 17:34:37 -0400 2201 false Going for a Q&A Record Going for a Q&A Record Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c6a8c98e-ff58-4049-af04-7068ced3a34b Fri, 15 Oct 2021 17:11:18 -0400 1745 false Will Tether Unravel? Will Tether Unravel? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f7b7f074-4f78-4a7c-8a02-38588a8ebe65 Wed, 13 Oct 2021 16:58:27 -0400 1296 false Investing Sleight of Hand Investing Sleight of Hand Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald dd136017-648b-4296-9d4f-d62c43c3ca22 Tue, 12 Oct 2021 14:55:00 -0400 2202 false Penny for Your Stocks Penny for Your Stocks Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3f673fef-691b-49cd-ba68-5bc89f04168a Fri, 08 Oct 2021 15:48:43 -0400 1521 false Financial Fraud Forever Financial Fraud Forever Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9098057c-5a53-4399-bf93-68d010fbe014 Thu, 07 Oct 2021 15:39:41 -0400 775 false Right Place, Right Time Right Place, Right Time Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald db802df6-008c-428c-9df4-4ad3b51c0feb Wed, 06 Oct 2021 17:57:46 -0400 906 false Taxes and the Giant Leaf Blower Taxes and the Giant Leaf Blower Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b0427b4e-c2f2-42fc-af5e-d6f2a4f20bf2 Fri, 01 Oct 2021 17:24:36 -0400 1397 false Maybe Not So Green Maybe Not So Green Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ddf159da-ecbc-459b-9ae2-9b32737866b9 Thu, 30 Sep 2021 16:23:53 -0400 1186 false Social Insecurity Social Insecurity Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 575fd5f2-a14e-4bf8-80e9-4546a6f25ccf Tue, 13 Jul 2021 12:43:40 -0400 1401 false More Queries and Comments More Queries and Comments Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f148c3c8-b491-41c4-a72c-ee5b0f51302e Thu, 08 Jul 2021 11:15:37 -0400 1050 false ConsumerMan on CryptoScams ConsumerMan on CryptoScams Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9231b326-9d6c-4376-b9fc-570694771cab Tue, 06 Jul 2021 16:16:22 -0400 2223 false Don's Vacation Q&A Don's Vacation Q&A Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald bc316365-0360-4e21-b0d4-f4650955819a Thu, 01 Jul 2021 17:52:24 -0400 1200 false Richer After Pandemic? Richer After Pandemic? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 4e20c634-1d83-4a62-9bd4-88b9dec5aca0 Tue, 22 Jun 2021 17:12:41 -0400 2204 false So, the Market Fell... So, the Market Fell... Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f7d4e57d-d10e-47ce-9dfb-2d6fbc3575b2 Mon, 21 Jun 2021 19:07:39 -0400 2306 false Advisors: Quit Lying Advisors: Quit Lying Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 1a59bae2-82c4-4717-878c-e88953dc6185 Fri, 18 Jun 2021 18:28:42 -0400 1394 false The Switch to ETFs The Switch to ETFs Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald aa70eab6-926e-4674-9a7d-33716ceffc94 Fri, 30 Apr 2021 16:13:23 -0400 1808 false Disciplined Buying and Selling Disciplined Buying and Selling Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 25351960-5121-4fe4-99f0-45bca4517975 Mon, 19 Apr 2021 15:24:24 -0400 2217 false QQRR: Need a Bigger Umbrella? QQRR: Need a Bigger Umbrella? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 036f832c-f9c8-421a-a3b2-23af1c98c46b Mon, 12 Apr 2021 18:49:58 -0400 2218 false The Next Market Adventure? The Next Market Adventure? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d974b8b7-dce7-45a3-b651-89e706bdd37c Fri, 09 Apr 2021 14:59:05 -0400 1229 false Stop the Financial Lies Stop the Financial Lies Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c7bcfc34-c4c7-4f38-ad64-09e48710cbda Thu, 08 Apr 2021 18:30:55 -0400 685 false Free Steak Dinners are Back Free Steak Dinners are Back Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 4be7ae61-1ddf-41fa-902d-5885227c09f7 Wed, 07 Apr 2021 17:55:16 -0400 750 false Is Investing Like Pickleball? Is Investing Like Pickleball? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 28da063b-858a-4145-af05-5ce4441e0b19 Tue, 06 Apr 2021 18:37:56 -0400 2243 false Not Getting Rich Quick? Not Getting Rich Quick? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c7604fa5-7813-42a9-b27e-a130629b041b Mon, 05 Apr 2021 18:59:28 -0400 2241 false Hedge Funds Are Illogical Hedge Funds Are Illogical Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 1de1bf0b-283d-459f-ac77-68d8a1168758 Thu, 01 Apr 2021 18:37:46 -0400 1007 false Homes Don't Grow Homes Don't Grow Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 2b8fb00b-8a57-4403-8f3f-391b4698cf52 Wed, 31 Mar 2021 17:40:04 -0400 1358 false Income from Dividend Stocks? Income from Dividend Stocks? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald eb41bfb8-4dac-4dcb-8343-8b2981d8fba3 Tue, 30 Mar 2021 18:21:49 -0400 2215 false Any Idiot Could Make Money Any Idiot Could Make Money Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 205afb44-d29a-498d-bd00-73a8324436a8 Mon, 29 Mar 2021 17:58:42 -0400 2269 false Fools, Damned Fools, and Motley Fools Fools, Damned Fools, and Motley Fools Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 77d09ece-4416-45af-bf86-b55c3a2a8404 Thu, 25 Mar 2021 18:15:37 -0400 975 false The World Didn't End The World Didn't End Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald cf1379e2-b1b5-41e8-8f51-c22a30680495 Wed, 24 Mar 2021 18:09:39 -0400 1078 false Annuity Income Illusions Annuity Income Illusions Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d7525a6d-202b-4c7f-86ae-ec88acfaa2c2 Tue, 23 Mar 2021 18:08:30 -0400 2374 false Stimulus Suggestions Stimulus Suggestions Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 80710e36-e289-4b3c-9971-1f272323b340 Fri, 19 Mar 2021 16:59:38 -0400 888 false Don't Try This At Home Don't Try This At Home Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 1525e03f-e638-46a7-9b66-af112fc8d3d8 Thu, 18 Mar 2021 18:35:01 -0400 1123 false Most Advice is Bad Most Advice is Bad Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald bf8b632b-3b22-4fa1-ad4e-d7de09319cd9 Wed, 17 Mar 2021 16:59:10 -0400 1174 false Bonds Stink! Bonds Stink! Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b2ae9d5c-ffa1-4d11-96ee-614ea77ccefb Tue, 16 Mar 2021 19:02:24 -0400 2271 false The Value of Diversification The Value of Diversification Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e892056f-9e37-4c20-90bf-7ec21163704c Fri, 12 Mar 2021 17:51:38 -0500 1116 false Stay Away from SPACs Stay Away from SPACs Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 78c72ed5-8fbe-4293-b47d-ea658c80c21f Wed, 10 Mar 2021 18:32:32 -0500 1170 false The Search for a Fiduciary The Search for a Fiduciary Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 4dcfda6c-3cc3-4868-90d0-47e50b65ba9f Fri, 12 Jun 2020 17:42:05 -0400 877 false Trying Treacherous Trading Trying Treacherous Trading Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 62d60b54-06cc-4d03-bd47-04f98571696b Thu, 11 Jun 2020 17:07:22 -0400 502 false It's Not investing, it's Gambling It's Not investing, it's Gambling Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c69d6ccb-e7aa-4272-8de0-cc092aa1b9e7 Wed, 03 Jun 2020 16:48:25 -0400 897 false Good Advice is Hard to Find. Good Advice is Hard to Find. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 12e426c4-3464-4120-985c-18499c844c71 Tue, 02 Jun 2020 17:22:27 -0400 2339 false Climbing Up the Worry Wall Climbing Up the Worry Wall Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 870ec3d3-ad52-4045-9205-db279c351fde Wed, 27 May 2020 18:13:57 -0400 2377 false From AAA to Bankruptcy From AAA to Bankruptcy Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 77309cb3-1f3c-4aaf-9475-1821bff85a15 Tue, 26 May 2020 17:25:53 -0400 2358 false The Future Can Never Be Known The Future Can Never Be Known Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald a1e5013e-a7f4-4435-8df5-15c8cbaacd25 Wed, 20 May 2020 18:38:30 -0400 1218 false Skip the Losers, Buy the Winners. Skip the Losers, Buy the Winners. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 890bc578-af44-4730-96d8-8f7e84c4a821 Mon, 18 May 2020 16:58:35 -0400 2277 false Avoid Magical Thinking Avoid Magical Thinking Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9f9766df-ffa7-4035-bea6-168295b6480d Fri, 15 May 2020 16:36:28 -0400 1172 false Pensions Performing Poorly Pensions Performing Poorly Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 768e5292-d157-4b54-97bd-c3b1fb27c75b Thu, 14 May 2020 17:47:47 -0400 386 false "Rich Guys" are Manipulating Money Media "Rich Guys" are Manipulating Money Media Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 2a521e60-a67b-478a-8415-2adb4be676d1 Wed, 13 May 2020 17:25:40 -0400 1085 false One of the Worst Investments, EVER One of the Worst Investments, EVER Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 259d36e7-bd2e-437d-baff-0c9cc4ca0611 Tue, 12 May 2020 17:37:18 -0400 2269 false Managing Money After Covid-19 Managing Money After Covid-19 Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald cc6f7fe3-8b7c-4d3a-8b40-3cc140096792 Mon, 11 May 2020 17:20:00 -0400 2524 false From a Bear to a Blip From a Bear to a Blip Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f8da208b-8df1-4c7d-b47a-ea3985a79ddd Fri, 08 May 2020 18:39:26 -0400 945 false They Claim to Know What They Can't They Claim to Know What They Can't Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 6cdef047-849d-4189-911c-a6468e2a573e Thu, 07 May 2020 16:52:12 -0400 1214 false Free Isn't Always a Good Deal Free Isn't Always a Good Deal Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e41f0718-184f-4e8d-83d8-0ca03321cfcb Wed, 06 May 2020 16:34:21 -0400 411 false Buffett Bleeds Billions of Bucks Buffett Bleeds Billions of Bucks Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 09b7a576-a4ef-4ec3-9d83-ab138333ae8f Tue, 05 May 2020 17:57:41 -0400 2136 false Why Another Great Depression is Unlikely Why Another Great Depression is Unlikely Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald a8f9af90-8209-4a52-a3ca-af9b48d2cc6b Mon, 04 May 2020 20:26:50 -0400 2096 false More Annuity Sales Lies More Annuity Sales Lies Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e08c410d-a062-4d33-993a-72e84cfeed20 Fri, 01 May 2020 16:51:35 -0400 908 false Staying Safe Can Cost You Staying Safe Can Cost You Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald a3a56339-7579-4dbd-a405-209853392ce6 Thu, 30 Apr 2020 17:32:27 -0400 449 false Investment Club or Gambling Party? Investment Club or Gambling Party? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 391ba1f9-b654-4ac8-922a-f46d12628725 Wed, 29 Apr 2020 17:05:24 -0400 2279 false Crisis Financial Repair Crisis Financial Repair Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 2bb96ada-86d8-4f94-9f96-524556f0e247 Wed, 29 Apr 2020 07:56:46 -0400 2250 false Professional Advice is Never Truly Impartial Professional Advice is Never Truly Impartial Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 35eaf625-36c0-4ca4-943c-7d06b807e683 Fri, 24 Apr 2020 16:44:30 -0400 900 false Windfall Investing Rules Windfall Investing Rules Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 301d4153-7c00-4386-9e95-9758905f5d32 Thu, 23 Apr 2020 17:35:38 -0400 2331 false The End of the World as We Knew It? The End of the World as We Knew It? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 020e1441-4b40-4294-b2c9-e6e59871fe07 Wed, 22 Apr 2020 18:50:35 -0400 2270 false Get $35,000 plus a 42,000 Barrel of Oil Bonus Get $35,000 plus a 42,000 Barrel of Oil Bonus Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 7bb80efd-bbd8-4c45-875f-9875c5da5ed3 Mon, 20 Apr 2020 17:22:02 -0400 1122 false The Stock Market Almost Feels Normal The Stock Market Almost Feels Normal Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3b04ca63-eb45-4ac4-8075-5e7488c9ca89 Fri, 17 Apr 2020 17:41:05 -0400 1028 false Fees, Glorious Fees Fees, Glorious Fees Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b2a0b9f0-5ef5-482b-bc72-fa8abb3b2ed9 Thu, 16 Apr 2020 19:20:58 -0400 902 false Active Management is Still Wrong Active Management is Still Wrong Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 149882a3-e30d-4646-b01a-17883967ace6 Wed, 15 Apr 2020 15:54:33 -0400 325 false Financial Products You Don't Need Financial Products You Don't Need Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b5b71e79-112e-4ae8-9f0f-9a2ee32dc666 Tue, 14 Apr 2020 17:51:57 -0400 2347 false You're Looking for the Wrong Advice You're Looking for the Wrong Advice Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 155852a6-33f9-4d53-9aa0-052c5eb5bdee Mon, 13 Apr 2020 18:26:17 -0400 2297 false They're Not Smarter Than the Market? They're Not Smarter Than the Market? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3d809841-ef71-4534-bd24-b08a7ca4a28c Fri, 10 Apr 2020 13:41:22 -0400 1184 false Getting a Bum Rap in Bear Markets Getting a Bum Rap in Bear Markets Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e8445c0b-6d9e-4943-8fc0-e35ca4c27d2a Thu, 09 Apr 2020 16:22:26 -0400 383 false Market Returns? No Risk? No Way! Market Returns? No Risk? No Way! Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald bb047810-bbb7-40ef-8eb6-dd2cd858cdc8 Wed, 08 Apr 2020 17:27:27 -0400 2297 false Your Money: It Was There, Then It Was Gone. Your Money: It Was There, Then It Was Gone. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 25c95385-ae5e-4c93-ad2d-3489338010a7 Tue, 07 Apr 2020 17:43:25 -0400 2273 false Dumb and Dumber Investing Advice Dumb and Dumber Investing Advice Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 7d14f94d-1f72-4767-90c5-05cfe5af05ab Mon, 06 Apr 2020 17:06:32 -0400 968 false Worse Than a Stopped Clock Worse Than a Stopped Clock Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d94d5c1f-31cf-4048-926a-de719f7f0896 Fri, 03 Apr 2020 16:39:46 -0400 1024 false How Does Today Compare With the Past? How Does Today Compare With the Past? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 0e23b7e9-4003-4d4d-a8fd-5bbdd9b3c904 Thu, 02 Apr 2020 16:28:47 -0400 442 false Can a Squiggly Line Help Predict the Future? Can a Squiggly Line Help Predict the Future? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c16af608-0d16-4e58-b80d-7809edcbdb78 Wed, 01 Apr 2020 16:17:56 -0400 2289 false Too Complex, Too Illiquid, Too Expensive Too Complex, Too Illiquid, Too Expensive Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 18786373-0160-46b3-8280-caa5e28a1b7a Tue, 31 Mar 2020 16:59:28 -0400 1318 false The Future Tends to Look Like the Past The Future Tends to Look Like the Past Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b3d637e3-a1e0-40d6-9e39-37f73a910d74 Mon, 30 Mar 2020 17:45:34 -0400 2390 false It Was Bound to Go Down Again It Was Bound to Go Down Again Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 18e2cd28-cb5b-45fa-9890-b54f6c44c4d3 Fri, 27 Mar 2020 17:15:47 -0400 1442 false Investors Postcards from the Edge Investors Postcards from the Edge Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 11c026bd-98ff-41ee-8ced-79919ae0f408 Thu, 26 Mar 2020 20:16:52 -0400 470 false Insurance Companies Ripping Off Teachers Insurance Companies Ripping Off Teachers Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 59a413ec-cc15-4e4d-91aa-4b33fa7939ea Wed, 25 Mar 2020 16:08:04 -0400 1916 false A Fiduciary in Name Only A Fiduciary in Name Only Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c658dbb6-b974-414b-89a5-70a3d02f8a4a Tue, 24 Mar 2020 17:42:56 -0400 693 false Know When to Hold 'Em Know When to Hold 'Em Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald a22f37ab-6afb-49f5-be0c-a470d3a81faf Tue, 24 Mar 2020 16:49:20 -0400 2406 false So, How Low Can it Go? So, How Low Can it Go? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald caa72a29-d7f7-4944-8b64-61773a8be097 Mon, 23 Mar 2020 17:19:59 -0400 1258 false Normalcy Will Eventually Return... Normalcy Will Eventually Return... Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e4dc8eaa-1ab1-430c-86e4-521100eb9818 Fri, 20 Mar 2020 18:09:22 -0400 743 false Crises Come and Go, While the Economy Endures. Crises Come and Go, While the Economy Endures. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 90a488aa-69e0-4a53-ad58-f229d7332166 Thu, 19 Mar 2020 18:07:44 -0400 2179 false Stay Away from Single Stocks Stay Away from Single Stocks Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald da32c68c-c62d-47d2-b127-8256960d856e Wed, 18 Mar 2020 17:29:31 -0400 326 false Emotions That Lead Us Astray Emotions That Lead Us Astray Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5bae7d05-3b2f-439d-b58a-600f2e36c611 Wed, 18 Mar 2020 17:24:09 -0400 2231 false What Should I Be Doing Now? What Should I Be Doing Now? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald becc3548-18a7-4851-80f5-c8282d0ece36 Tue, 17 Mar 2020 17:06:12 -0400 843 false Black Swans: Rare But Not Unheard Of Black Swans: Rare But Not Unheard Of Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 27ed2ac2-02fb-4843-8a0b-9162f6126c1a Mon, 16 Mar 2020 19:15:29 -0400 688 false Market Changes Can Make Your Head Spin Market Changes Can Make Your Head Spin Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f240b749-ffad-4f66-aa3a-df888adc96a0 Fri, 13 Mar 2020 18:17:34 -0400 2242 false Stocks Succumb to Virus Scare Stocks Succumb to Virus Scare Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 69764dc5-3874-4a39-89fa-5a30f421075d Thu, 12 Mar 2020 17:26:14 -0400 2174 false Buy Bonds for Big, Bad Bears Buy Bonds for Big, Bad Bears Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald de2a6830-f4a6-4f3b-9be9-0683638177bb Wed, 11 Mar 2020 17:32:05 -0400 510 false The Market's Circuit Breaker Tripped The Market's Circuit Breaker Tripped Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 2205b564-8247-4cdd-9d12-bf6297521dbd Mon, 09 Mar 2020 13:47:23 -0400 855 false Which is Worse: Stocks, COVID-19, or Cars? Which is Worse: Stocks, COVID-19, or Cars? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 6b420fba-df8e-4595-a7d3-95f72ee2b104 Fri, 06 Mar 2020 16:57:33 -0500 753 false This Market is a Scary Roller Coaster This Market is a Scary Roller Coaster Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f89637bc-1687-486f-8154-71d70464ad9b Thu, 05 Mar 2020 19:30:16 -0500 782 false Can You Trust the Stock Market? Can You Trust the Stock Market? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 66b55ea7-d295-40d9-9d19-acf87f3cb11e Wed, 04 Mar 2020 16:51:11 -0500 331 false I Don't Want to Talk About it I Don't Want to Talk About it Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 96bdc8df-eef1-490f-9144-89c934a6b375 Tue, 03 Mar 2020 18:37:59 -0500 920 false Good Thing You Didn't Sell Last Week Good Thing You Didn't Sell Last Week Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald a0e91dff-4e7e-499f-af32-28ae9928576d Mon, 02 Mar 2020 18:15:37 -0500 1070 false Relax: You're Probably Not All in Stocks Relax: You're Probably Not All in Stocks Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald be2746a5-b89b-4605-bad9-cb6b251b92e9 Fri, 28 Feb 2020 15:14:25 -0500 338 false Another Day, Another Decline: Are We Done Yet? Another Day, Another Decline: Are We Done Yet? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 44fe7af0-fa2b-4bd1-9598-ebd43003996d Thu, 27 Feb 2020 18:23:02 -0500 1041 false Virus? President? The Economy Doesn't Care. Virus? President? The Economy Doesn't Care. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 04078853-6fb4-4b19-a3b9-f6cab93ec403 Wed, 26 Feb 2020 18:20:51 -0500 1058 false Help! The Market's Fallen! What Do I Do? Help! The Market's Fallen! What Do I Do? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 6783c97e-e2c9-41da-be9d-d163b4b3f92a Mon, 24 Feb 2020 17:07:12 -0500 883 false They'll Tell You Anything to Make a Sale They'll Tell You Anything to Make a Sale Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 779c4deb-1fa3-42cd-8c8e-2e997e623671 Thu, 20 Feb 2020 17:03:41 -0500 2113 false No Security in the Secure Act No Security in the Secure Act Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b617fae8-ad13-45d2-ba6c-c84e9ca286d5 Wed, 19 Feb 2020 19:24:00 -0500 2170 false Retirement Home: Buy or Rent? Retirement Home: Buy or Rent? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 39b19154-9039-4ea7-b8e3-a308ab5479b3 Fri, 14 Feb 2020 18:59:52 -0500 271 false Most People are Really Bad Investors Most People are Really Bad Investors Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 69d87498-c7b8-42ee-879c-6ceba803400c Thu, 13 Feb 2020 17:36:34 -0500 2126 false Every Journey Requires a Plan Every Journey Requires a Plan Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 33318ef7-3038-4934-8743-77c6e2901bea Wed, 12 Feb 2020 16:25:48 -0500 2073 false How to Turn a Settlement in an Investment How to Turn a Settlement in an Investment Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ee2facee-6544-4207-a5bc-5a14cda3da97 Wed, 12 Feb 2020 12:59:58 -0500 1299 false Take a Little Now or Possibly More Later Take a Little Now or Possibly More Later Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald bab9e04f-bc04-438c-8605-f9dd775c4f5f Mon, 10 Feb 2020 17:57:58 -0500 1129 false Tom's Recipe for Cooking Up a Better Portfolio Tom's Recipe for Cooking Up a Better Portfolio Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 0bd4d24c-35c2-4f90-8636-b96865eb323c Fri, 07 Feb 2020 16:49:57 -0500 291 false It's Easier to Eliminate Bad Investments It's Easier to Eliminate Bad Investments Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 36656c5f-10be-4638-84df-e010c4c79f68 Thu, 06 Feb 2020 16:40:45 -0500 2061 false Fear of Crash Leads to Income Dash Fear of Crash Leads to Income Dash Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d928965a-1d9a-47c6-8bc3-c7a4fa782ada Thu, 06 Feb 2020 14:46:52 -0500 2117 false There will always be ways to cheat the system. There will always be ways to cheat the system. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 43430718-a4ec-494d-ba58-8403b7d29f4a Fri, 31 Jan 2020 17:08:49 -0500 955 false Lessons from Tom's Dad Lessons from Tom's Dad Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 20824301-2aaa-4264-a989-b55659bc1b81 Thu, 30 Jan 2020 17:17:24 -0500 291 false Fee-Only Advisors Not Helping Small Investors? Fee-Only Advisors Not Helping Small Investors? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d03b2a18-0b67-4faa-a117-e49be28054db Wed, 29 Jan 2020 18:14:00 -0500 1217 false What Can You Expect in the Future? What Can You Expect in the Future? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald cde3beed-a162-4950-a2d0-f740170687f6 Mon, 27 Jan 2020 17:14:09 -0500 1156 false Before You Invest: Know Your Number Before You Invest: Know Your Number Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 47aa3b12-24f9-4944-867a-70f4e75bee23 Thu, 23 Jan 2020 16:33:13 -0500 287 false You Can't Do Anything, So Stop Worrying You Can't Do Anything, So Stop Worrying Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 21b057a4-9c8a-42bf-a7b6-5ef277921fb0 Wed, 22 Jan 2020 19:13:01 -0500 1182 false Those Extra Fees Add Up and Hurt You Those Extra Fees Add Up and Hurt You Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 1a6aaba9-7260-4035-aed0-9296da251ec1 Tue, 21 Jan 2020 17:58:20 -0500 1475 false Podcast of Legends: Merriman and Marshawn Podcast of Legends: Merriman and Marshawn Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 01ed0d01-ece3-4bb3-9352-e9ec4cf1e732 Fri, 17 Jan 2020 17:08:11 -0500 1462 false China: From Hot to Not China: From Hot to Not Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 2dce5e2e-40ae-4050-9b86-a0e02dc0216a Fri, 17 Jan 2020 16:57:09 -0500 262 false Your Biggest Investing Questions Your Biggest Investing Questions Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ab1d2665-06e8-402c-9f1b-845c09ae2b16 Thu, 16 Jan 2020 18:28:21 -0500 297 false Expensive, Illiquid, Opaque, and Unnecessary Expensive, Illiquid, Opaque, and Unnecessary Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3a34edbd-99b1-4cae-a175-23bf7369e015 Wed, 15 Jan 2020 15:05:37 -0500 2104 false Stop Overthinking Investing Stop Overthinking Investing Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 18e3f032-5280-4ce4-a6bd-6d6c63eddb25 Tue, 14 Jan 2020 20:57:36 -0500 2089 false Roth Your Way to Wealth Roth Your Way to Wealth Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 4663db59-af4b-40f1-9202-e5215ed1725f Mon, 13 Jan 2020 17:51:11 -0500 979 false Global Real Investing Advice Global Real Investing Advice Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c4dc1933-d8ae-4aca-8e6c-db6858b015bc Thu, 09 Jan 2020 16:37:40 -0500 1052 false Stocks Have Been Down for 30 Years Stocks Have Been Down for 30 Years Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 0395418b-441a-4bda-8796-4e139479089b Wed, 08 Jan 2020 14:43:12 -0500 2124 false Owning Individual Stocks is Still a Bad Idea Owning Individual Stocks is Still a Bad Idea Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 0735eacb-5571-49bd-bc48-d68776a8b269 Tue, 07 Jan 2020 18:06:20 -0500 2166 false The Best Ways to Put it In and Take it Out The Best Ways to Put it In and Take it Out Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald a7518eab-c390-4466-89e8-9b1a3eec690e Mon, 06 Jan 2020 19:29:43 -0500 1001 false Few More Wrong than Prechter the Predictor Few More Wrong than Prechter the Predictor Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 873efc05-dbe3-4c60-b1de-886b19c05224 Fri, 03 Jan 2020 15:35:58 -0500 2237 false Stocks: More Like Gambling Than Investing Stocks: More Like Gambling Than Investing Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c25d10d9-b55f-445d-9b25-33814100cf16 Thu, 02 Jan 2020 16:36:33 -0500 2222 false Make Better Resolutions in 2020 Make Better Resolutions in 2020 Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 748a1be7-3b20-4cec-93ff-0fa1c4c5f03f Tue, 31 Dec 2019 14:46:58 -0500 288 false A Scary and Expensive Alternative Investment A Scary and Expensive Alternative Investment Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 832975f4-1c7d-49de-8ace-dc1e29915c9c Tue, 31 Dec 2019 14:41:40 -0500 803 false The Ultimate Buy & Hold Fund The Ultimate Buy & Hold Fund Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald fdfad4b1-27d1-4362-9117-df1dbbe075f6 Mon, 23 Dec 2019 14:35:28 -0500 886 false Money Even Corrupts Those Who Claim to Care Money Even Corrupts Those Who Claim to Care Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5daccf95-37e8-4068-a2e7-9cc2191ca221 Fri, 20 Dec 2019 17:13:31 -0500 1273 false Stop expecting a bunch of experts to know the unknowable. Stop expecting a bunch of experts to know the unknowable. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9b08687e-82f6-4a0f-a49f-097b155ead53 Thu, 19 Dec 2019 18:07:08 -0500 890 false Social Security Already Has Your Number Social Security Already Has Your Number Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b9838bdc-a605-4495-b1e0-442f6fb4c81f Wed, 18 Dec 2019 19:09:47 -0500 2194 false Don't invest in alphabetical order. Don't invest in alphabetical order. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 29d4c3bb-2893-46b8-bd6b-72377e3d3705 Tue, 17 Dec 2019 17:38:04 -0500 2232 false Why do you keep wasting your money? Why do you keep wasting your money? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 2963bca7-aa05-4882-80d3-281df95771ca Mon, 16 Dec 2019 17:53:13 -0500 1096 false Love of stocks is the root of many losses Love of stocks is the root of many losses Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 50dd6ee6-19fc-4f1c-a137-91f303d9e1ca Fri, 13 Dec 2019 16:31:13 -0500 294 false The Only Way to Consistently Buy Low and Sell High The Only Way to Consistently Buy Low and Sell High Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5c87b828-cd48-4241-9b6d-f145108387ae Thu, 12 Dec 2019 12:56:54 -0500 2180 false If the told you the truth you wouldn't buy their stuff. If the told you the truth you wouldn't buy their stuff. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d62b9df9-7b9e-4b07-a47e-45d6edeab0f9 Wed, 11 Dec 2019 15:38:50 -0500 2233 false Ongoing Financial Guidance is Good for You Ongoing Financial Guidance is Good for You Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 7085be03-6647-4d32-905b-349609e50891 Tue, 10 Dec 2019 17:29:53 -0500 745 false Q&A: Income desperation leads to high risks Q&A: Income desperation leads to high risks Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5040b34f-cc05-48d6-8973-b2251d654b22 Fri, 06 Dec 2019 15:51:50 -0500 795 false Holiday gifts even a Scrooge would love. Holiday gifts even a Scrooge would love. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 164d6481-f3c9-4e9b-8f72-f74ec4e36283 Thu, 05 Dec 2019 12:18:45 -0500 332 false Don't let financial fiends feast on your funds. Don't let financial fiends feast on your funds. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 167c621c-3935-4def-b76d-f85107484acd Wed, 04 Dec 2019 19:11:38 -0500 2142 false The future isn't foreseeable. Maybe foreguessable. The future isn't foreseeable. Maybe foreguessable. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3b72f2cc-007e-47cf-a5a3-86ba62f340e9 Tue, 03 Dec 2019 13:46:06 -0500 2177 false Cryptocurrencies: Useless or Crooked? Cryptocurrencies: Useless or Crooked? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e452583e-bb72-41a0-9fd3-bfa3c64b8c50 Mon, 02 Dec 2019 15:16:11 -0500 983 false Happy Thanksgiving: A Shortcut to Charity. Happy Thanksgiving: A Shortcut to Charity. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c3537000-1c71-4fda-833c-48391115cbee Wed, 27 Nov 2019 16:32:01 -0500 2215 false Are Commodities Real Investments? Are Commodities Real Investments? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 972453ef-affd-4759-9e39-58c22a70dc50 Tue, 26 Nov 2019 16:19:08 -0500 2184 false The Future Will Always Be Unknowable The Future Will Always Be Unknowable Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 75edbdba-f48f-4632-aab2-d65801de975f Mon, 25 Nov 2019 17:30:34 -0500 983 false Is human advice becoming obsolete? Is human advice becoming obsolete? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 029a2d39-1330-4dfc-b727-073742288e84 Thu, 21 Nov 2019 17:22:17 -0500 934 false Retirement's Biggest Challenge: Lifelong Income Retirement's Biggest Challenge: Lifelong Income Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f97f5471-e252-4f06-80df-175689f0229d Wed, 20 Nov 2019 15:48:45 -0500 1235 false Market beating performance at a high cost. Market beating performance at a high cost. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9478568b-442a-407f-9412-c5027a70cf7a Tue, 19 Nov 2019 15:58:43 -0500 2245 false Using Omission and Obfuscation to Make a Sale Using Omission and Obfuscation to Make a Sale Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald dd047e39-93f2-4a9b-b382-3b696c8a1cbe Mon, 18 Nov 2019 17:26:54 -0500 986 false Companies Collapse, Economies Endure Companies Collapse, Economies Endure Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e3c78500-7ee8-4d5d-af3c-6bb4e8341304 Fri, 15 Nov 2019 15:32:33 -0500 2193 false Cracking down on the sale of liar load funds Cracking down on the sale of liar load funds Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d7741fc3-0437-4818-b98c-3fb8d3a72bff Thu, 14 Nov 2019 18:24:14 -0500 2192 false Looking Forward to Aerobics, Polka, and Bingo? Looking Forward to Aerobics, Polka, and Bingo? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 32a7ca26-240a-4056-b19a-78b083af8740 Wed, 13 Nov 2019 17:01:54 -0500 923 false Life and Investing Lessons from Gert Boyle Life and Investing Lessons from Gert Boyle Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c9f86985-b0d7-482a-940c-8ebac99f2927 Tue, 12 Nov 2019 16:27:51 -0500 509 false Deferring Pay, Selling a House, and Investing in Small Cap Deferring Pay, Selling a House, and Investing in Small Cap Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 245b8236-665e-4bdb-b4a4-be28cde4d25a Thu, 07 Nov 2019 17:07:03 -0500 956 false A Hedge Fund by Another Other Name... A Hedge Fund by Another Other Name... Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 0cd8c917-d475-436c-b9bf-347580d04dcd Wed, 06 Nov 2019 16:34:45 -0500 739 false Crypto Corruption - Manipulating BitCoin Crypto Corruption - Manipulating BitCoin Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 682f10bf-4424-4fb5-9250-c533636016f5 Tue, 05 Nov 2019 16:13:21 -0500 734 false How to avoid capital gains tax on your home. How to avoid capital gains tax on your home. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5ffe8830-b0e5-47ab-8f74-2f6cc09c7743 Thu, 31 Oct 2019 16:50:32 -0400 2214 false Why the Crash of 1929 should no longer haunt us. Why the Crash of 1929 should no longer haunt us. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 86c89b27-418b-4cbd-a43d-08e1e6696ae8 Wed, 30 Oct 2019 16:10:05 -0400 2204 false The harder they're sold, the worse the investment. The harder they're sold, the worse the investment. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 71cef0e6-9c25-482d-8b66-5b0ba60aa8ba Mon, 28 Oct 2019 17:18:25 -0400 749 false Thirty stocks do not a market make. Thirty stocks do not a market make. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3ba6c1eb-f9ce-4c54-b5a3-e5e664238bd0 Fri, 25 Oct 2019 12:51:20 -0400 865 false One of the strangest investment ideas ever. One of the strangest investment ideas ever. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5f064fe8-eee7-4012-b351-78720a63f444 Fri, 25 Oct 2019 12:51:03 -0400 2202 false Repos, Zeros, and Pounds, Oh My! Repos, Zeros, and Pounds, Oh My! Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 88158864-d4d5-4c18-90e2-0bd41cf193b5 Wed, 23 Oct 2019 17:02:21 -0400 893 false Taking the wealth that the economy has given. Taking the wealth that the economy has given. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 4e7e2fd4-cc36-44d7-b66f-e11e820d3cfa Tue, 22 Oct 2019 17:45:29 -0400 567 false The biggest advisor loses more than his mind. The biggest advisor loses more than his mind. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e7a8a33c-d448-442e-8e60-3f19f0fec7f9 Thu, 17 Oct 2019 16:41:34 -0400 2150 false Popular financial books. Bad Investing advice. Popular financial books. Bad Investing advice. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 379fb132-61b8-4231-bac8-2b93e5fe645e Wed, 16 Oct 2019 16:34:47 -0400 2157 false BONUS EPISODE: Stop Buying Stocks! BONUS EPISODE: Stop Buying Stocks! Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 6fcdc6ec-241e-46df-ad6a-6865bfa2f0f4 Fri, 11 Oct 2019 16:25:11 -0400 1264 false Vanguard measures the emotional value of an advisor. Vanguard measures the emotional value of an advisor. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9d955639-44fc-482f-9eae-e237555af280 Fri, 11 Oct 2019 16:14:04 -0400 2270 false How did you feel in 2008? How did you feel in 2008? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5323228c-6780-4d74-8528-b97984548b0e Tue, 08 Oct 2019 17:43:43 -0400 631 false Using your home equity to invest Using your home equity to invest Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 2af94a8e-12b2-4df1-8d9e-748a5eb43f42 Thu, 03 Oct 2019 17:48:43 -0400 373 false Is the stock market a form of gambling? Is the stock market a form of gambling? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 57d1dc44-5000-4c7d-badb-211c2d73cc3b Thu, 03 Oct 2019 17:17:08 -0400 548 false A quick lesson on the equity market. A quick lesson on the equity market. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 34714d75-e535-46ae-9c8f-6a8328c2a062 Thu, 03 Oct 2019 17:16:56 -0400 561 false Does it make sense to harvest your gains? Does it make sense to harvest your gains? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 02ffb5d0-2c01-41b9-8d51-6223da78c360 Wed, 02 Oct 2019 17:15:06 -0400 764 false Taking stock of stocks: A Primer Taking stock of stocks: A Primer Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 11c16738-c16f-4d6f-a7cf-ba19138ac206 Sat, 28 Sep 2019 12:02:12 -0400 604 false There's a Lot of Bad Advice Out There There's a Lot of Bad Advice Out There Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 0e4a1c1f-8faa-4ce3-aef9-b21c04457f75 Fri, 13 Sep 2019 18:20:52 -0400 1190 false Another annuity pitching charlatan exposed Another annuity pitching charlatan exposed Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 422d25c4-7bd7-43ba-bb51-0ecb77418244 Thu, 12 Sep 2019 17:16:22 -0400 1238 false Laddering Your Way to Steady Income Laddering Your Way to Steady Income Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 1f266e3f-a3e0-465d-b61c-b568f3b961a0 Wed, 11 Sep 2019 17:48:14 -0400 2144 false VTWAX, E-Bonds, and an Expired Advisor VTWAX, E-Bonds, and an Expired Advisor Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e9e1e963-c087-4c79-ae90-2e79162b07ec Tue, 10 Sep 2019 16:33:26 -0400 916 false One angry listener and a batch of Bobs. One angry listener and a batch of Bobs. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 78a0f8e2-0c0b-4fcc-9523-443cf7c87885 Mon, 09 Sep 2019 17:29:14 -0400 1296 false Hurricanes, Stock Markets, and the Media Hurricanes, Stock Markets, and the Media Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e9192e38-220b-43b1-8161-b1501b1a30b6 Sun, 08 Sep 2019 16:40:04 -0400 1318 false Risk always exists, so be prepared for it. Risk always exists, so be prepared for it. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3d28cfe2-8294-4a83-823a-f844cac76bd7 Thu, 29 Aug 2019 18:11:35 -0400 2195 false Can advisors do what's best for you and them? Can advisors do what's best for you and them? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f007bfaf-aeca-4579-9f91-e4a6e0ddeaac Thu, 29 Aug 2019 18:07:05 -0400 2171 false The best ways to start building wealth early. The best ways to start building wealth early. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 8ea58a92-288d-44ac-a503-95ac28cf400b Thu, 22 Aug 2019 12:24:32 -0400 2213 false If it sounds too good to be true, what is it? If it sounds too good to be true, what is it? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 79f0bf9b-7301-4c5f-8a87-e51bf0e6f75f Thu, 22 Aug 2019 12:18:43 -0400 2174 false Finding your way to a financial future. Finding your way to a financial future. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald cd6fb873-c9b8-492f-9469-f56c8dfa7136 Thu, 08 Aug 2019 17:39:11 -0400 2021 false Most of us really are lousy investors. Most of us really are lousy investors. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 011745b9-6516-4b6c-8ebc-97704358e41e Wed, 07 Aug 2019 22:49:03 -0400 2082 false In case of emergency, you need money. In case of emergency, you need money. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 53ebdda7-0d7a-45f2-b15a-998d61ef1c43 Thu, 01 Aug 2019 20:11:17 -0400 2185 false There is no such thing as safe investing. There is no such thing as safe investing. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 05e2d15e-4c5e-420e-b800-cde36f5ced26 Wed, 31 Jul 2019 15:13:24 -0400 2143 false Are you sure you'll never retire? Are you sure you'll never retire? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b5d2a1bc-3a31-4ab8-a2da-c087f54f949d Thu, 25 Jul 2019 15:45:18 -0400 2128 false What's the best retirement income strategy? What's the best retirement income strategy? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald a1abbe14-eb5c-4279-b260-03447ed3a5cc Thu, 25 Jul 2019 15:38:42 -0400 2181 false Moneyjauna and more Moneyjauna and more Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 6889a7dd-53ea-43f2-97a4-8b8b754b47e2 Wed, 17 Jul 2019 18:04:06 -0400 2149 false Your Summer Money with Nerdwallet Your Summer Money with Nerdwallet Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3d681c06-dc99-40d0-abc0-ef987123f68e Tue, 16 Jul 2019 17:12:49 -0400 2166 false Good help is really hard to find Good help is really hard to find Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c6ae732b-8634-444c-86d9-edf227bfcc30 Thu, 11 Jul 2019 20:05:39 -0400 611 false How to write the script for your third act. How to write the script for your third act. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald aabe68e2-4d8b-4a21-9cea-1b5c7477ae42 Wed, 10 Jul 2019 14:19:03 -0400 2185 false The folly of seeking the "next big thing" The folly of seeking the "next big thing" Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ad2084ff-568f-4811-850b-a901023040b9 Wed, 10 Jul 2019 09:10:37 -0400 2213 false Shrinking Social Security and Booming Bitcoin Shrinking Social Security and Booming Bitcoin Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald eaf87e42-ecf5-4f03-b1ff-fa8a6fcd4de4 Thu, 04 Jul 2019 15:01:48 -0400 2132 false Stocks have been very, very good to you lately. Stocks have been very, very good to you lately. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 2f60f6e8-c7b5-494a-adf7-68a61afdd383 Wed, 03 Jul 2019 19:14:16 -0400 2198 false We can do this the easy way or the hard way... We can do this the easy way or the hard way... Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f21c8651-8585-4ee1-b434-ea3eccf6ccf7 Fri, 28 Jun 2019 16:47:41 -0400 822 false No one predicted a great June for stocks. No one predicted a great June for stocks. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 39c7768e-98f6-458e-ab49-d61d20e1138c Fri, 28 Jun 2019 16:40:36 -0400 2164 false Failing to protect investors yet again. Failing to protect investors yet again. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 336a831f-a6fc-4c37-bf3b-95c55aa3f419 Fri, 28 Jun 2019 16:40:26 -0400 2165 false So answer me these questions three. So answer me these questions three. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 7bdec709-d1b9-4ccd-9ca3-1742c2942b2f Fri, 28 Jun 2019 16:40:16 -0400 710 false Must everyone believe what you do? Must everyone believe what you do? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald fe75761e-0669-44fa-bf96-57757ae734a6 Sat, 22 Jun 2019 12:23:05 -0400 759 false Are gold coins better than bullion? Are gold coins better than bullion? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 8e6646b7-687d-4dcc-9ea5-a1b4107799b6 Thu, 20 Jun 2019 18:37:55 -0400 436 false Some simple steps to protect your wealth. Some simple steps to protect your wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 411938ad-a1ec-4f23-b96f-e99b0ce0561d Wed, 19 Jun 2019 16:18:12 -0400 2149 false The value of fatherly financial advice The value of fatherly financial advice Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald af0ebf6b-f83c-48a7-bf8a-af3025899052 Tue, 18 Jun 2019 17:24:59 -0400 2111 false What's the best way to pay for long-term care? What's the best way to pay for long-term care? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 943ec927-032a-48b9-8f0b-a04e46c69e11 Fri, 14 Jun 2019 17:27:03 -0400 2167 false Still not acting in your best interests. Still not acting in your best interests. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e56f487e-f164-4a71-ba79-607f58ae3281 Thu, 13 Jun 2019 16:24:23 -0400 2173 false Are you on course for a great retirement? Are you on course for a great retirement? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald bb1e93c4-487e-4da2-872e-9b72a06cf303 Thu, 06 Jun 2019 17:28:39 -0400 827 false The tough task of picking the best advisor. The tough task of picking the best advisor. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald cb9031e7-f761-4a9d-b4e8-660113fbd9e7 Wed, 05 Jun 2019 17:24:12 -0400 2154 false Be very wary of most financial advisors Be very wary of most financial advisors Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 753f5b64-4e84-491c-9aa6-eb9ac7394ee6 Tue, 04 Jun 2019 17:53:58 -0400 2206 false What is going on with this crazy market? What is going on with this crazy market? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 807f9f92-8fbb-48b5-a303-504e11f88712 Sat, 01 Jun 2019 21:27:15 -0400 61 false Too many are saving far too little. Too many are saving far too little. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 307ee373-4a65-40f3-b232-ca9e7e3cf414 Sat, 01 Jun 2019 21:22:58 -0400 2166 false The "Iron Condor" and other foolish "investments." The "Iron Condor" and other foolish "investments." Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 72715b68-2d10-4dd5-9f21-a336013e7e06 Wed, 29 May 2019 17:32:04 -0400 2103 false Reaching too far for higher yields. Reaching too far for higher yields. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 289d760e-93b3-4069-be6b-fadbc19de817 Tue, 28 May 2019 18:12:18 -0400 787 false All things being equal is better? All things being equal is better? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 82934dfd-0b3c-451f-9f25-16c1f0104088 Fri, 24 May 2019 17:33:23 -0400 595 false Timing the stock market CANNOT work. Timing the stock market CANNOT work. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 24815308-b281-4c15-b20f-b1ea72604e1c Thu, 23 May 2019 17:50:55 -0400 1037 false Invest money the same way you earn it. Invest money the same way you earn it. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c5461af9-ab8e-46fe-b4db-d8164fff534a Wed, 22 May 2019 17:18:38 -0400 2172 false The market will misbehave from time to time. The market will misbehave from time to time. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 0b41486b-ebb2-4c57-87a8-d4979279b412 Tue, 21 May 2019 19:09:29 -0400 2159 false The bigger the market, the more accurate the price The bigger the market, the more accurate the price Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald aba8f9dd-9cb7-41f0-ad0b-a7ba8dc509a6 Mon, 20 May 2019 22:52:41 -0400 975 false An easy way to get more Social Security An easy way to get more Social Security Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 04d756a7-f50e-462b-a811-6f3f67b9cb0c Thu, 16 May 2019 16:03:53 -0400 2220 false Is value investing no longer a thing? Is value investing no longer a thing? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ef914275-1ddb-4553-9fdd-ca1317e9d1fc Wed, 15 May 2019 23:17:43 -0400 2179 false It seems the markets may have overreacted a bit. It seems the markets may have overreacted a bit. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d25b412d-bd2e-4885-841c-1c85f29df860 Tue, 14 May 2019 19:35:54 -0400 493 false The next industry to be killed by the web? The next industry to be killed by the web? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 47cf3746-84f4-47a1-93da-2e6aedca069c Fri, 10 May 2019 18:28:54 -0400 973 false Terrible investing advice for grads (and everyone else). Terrible investing advice for grads (and everyone else). Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ee130c5a-bcd3-4abb-bab0-6c983bb59f65 Thu, 09 May 2019 17:12:41 -0400 556 false A high income always comes with high risk. A high income always comes with high risk. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 8980cfaf-2fa5-4f22-a684-298a18c5edd9 Wed, 08 May 2019 16:35:11 -0400 2169 false If you won't take risks you can't make money. If you won't take risks you can't make money. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 76860521-76b5-4b3f-98e7-3de919e8dd60 Tue, 07 May 2019 17:27:25 -0400 2169 false Beating the Stock Pickers and Product Placement Problem Beating the Stock Pickers and Product Placement Problem Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald bdda0476-9c58-406e-b774-86df53f6d59f Mon, 06 May 2019 16:03:36 -0400 873 false The potential perils of pursuing high yields. The potential perils of pursuing high yields. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald fb49d412-e905-4e4b-b524-42ff2e1c8188 Fri, 03 May 2019 16:57:51 -0400 960 false Most "fiduciary" advisors are probably liars. Most "fiduciary" advisors are probably liars. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 6e353ef5-6af6-46bc-a328-d42a966d454a Thu, 02 May 2019 16:41:26 -0400 1145 false Debunking popular investing myths. Debunking popular investing myths. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c2f6b967-f0b8-409c-a2d8-646a6cb30327 Wed, 01 May 2019 16:28:27 -0400 2218 false Stop trying to guess what the market might do. Stop trying to guess what the market might do. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 803a70ba-faf4-4fdb-859b-ef9c3c4d27d1 Tue, 30 Apr 2019 17:42:20 -0400 2168 false Working with BIG investment firms can be VERY expensive. Working with BIG investment firms can be VERY expensive. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 21118029-ba5d-4dbd-b100-229598cb2833 Mon, 29 Apr 2019 18:16:26 -0400 742 false The Myth of the Market Prognosticator The Myth of the Market Prognosticator Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 599eff79-26ab-4eec-9556-f3ed801e3d85 Sat, 27 Apr 2019 14:19:57 -0400 1178 false Not worried about retirement? You should be. Not worried about retirement? You should be. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 72bdc65f-e8cb-4ddd-a235-6d2fc3d4c2ee Wed, 24 Apr 2019 16:03:36 -0400 2214 false The compounding power of patience and discipline. The compounding power of patience and discipline. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 1ec825ce-e91c-4f53-aa6a-3f1df7c62ac6 Tue, 23 Apr 2019 18:25:45 -0400 2244 false Is Dave Ramsey getting back to basics? Is Dave Ramsey getting back to basics? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 0653c67c-6c21-412b-bef2-02c9bb1de46b Fri, 19 Apr 2019 11:45:47 -0400 846 false Most won't have nearly enough to retire comfortably. Most won't have nearly enough to retire comfortably. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 21338b96-6044-4c1f-9bc4-385d564bc297 Thu, 18 Apr 2019 17:12:46 -0400 584 false Is it good or is it too good (to be true)? Is it good or is it too good (to be true)? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d0155156-6dae-4746-9a7a-babddbc76398 Wed, 17 Apr 2019 18:30:09 -0400 2179 false Too many financial advisors will do anything for a buck. Too many financial advisors will do anything for a buck. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ca9f4c3e-2dab-4c25-8747-caa1b959321e Tue, 16 Apr 2019 13:33:48 -0400 2217 false Should you be "investing" in fine art? Should you be "investing" in fine art? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 8a7efcd9-7919-4f4c-9683-c3095e96d775 Mon, 15 Apr 2019 18:54:55 -0400 704 false A Q&A Melange from Easy Portfolios to More F.I.R.E. A Q&A Melange from Easy Portfolios to More F.I.R.E. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d30be5e4-b2c6-4a27-b90a-5b92bc2d4c38 Fri, 12 Apr 2019 17:59:01 -0400 1149 false Don answers the 10 Biggest Retirement Questions Don answers the 10 Biggest Retirement Questions Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 74eccc73-2ea2-450e-9db4-1638c858b78c Thu, 11 Apr 2019 15:16:31 -0400 1085 false Don't make investing more complicated than needed. Don't make investing more complicated than needed. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 6724d4f0-46d8-4365-9ed5-189359f0b33a Thu, 11 Apr 2019 15:14:51 -0400 949 false If you have money questions, we'll get the answers. If you have money questions, we'll get the answers. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f4087315-1c5f-4109-979d-4f0fae867476 Wed, 10 Apr 2019 16:07:50 -0400 2087 false Early retirement warning: FIRE can burn you if you’re not careful Early retirement warning: FIRE can burn you if you’re not careful Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ecea9be2-3ff5-4ff7-89f0-20fc3c60c8ab Tue, 09 Apr 2019 17:18:58 -0400 2102 false What you don't know about money can cost you. What you don't know about money can cost you. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f55da127-3e51-413c-a5b8-899e6d2f8cef Fri, 05 Apr 2019 16:30:02 -0400 860 false Stocks not scary enough? Ride the Cryptocoaster. Stocks not scary enough? Ride the Cryptocoaster. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ef904072-b4fb-412b-ad1f-bd98cf353e8d Thu, 04 Apr 2019 17:59:29 -0400 1057 false Stop switching your investments around Stop switching your investments around Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9be2c4eb-aa67-4f34-aa2f-3e405a31e45d Wed, 03 Apr 2019 16:29:45 -0400 2181 false Is this a good long-term care insurance option? Is this a good long-term care insurance option? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 475b9857-7912-4419-8950-2a2ebec60111 Tue, 02 Apr 2019 16:12:04 -0400 2184 false Market rises while the Dow 30 plunges by near record amount Market rises while the Dow 30 plunges by near record amount Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 4bfa3a28-b7e8-4a0f-ab4c-001fc404f662 Mon, 01 Apr 2019 18:32:37 -0400 788 false The Great Passive Real Estate Investing Scam The Great Passive Real Estate Investing Scam Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald dbd27b13-cdb5-4d5b-867e-4bc1255a7dc4 Fri, 29 Mar 2019 12:35:31 -0400 933 false When Interest Rates Turn Upside Down When Interest Rates Turn Upside Down Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b8531bf8-7c17-47f4-beab-5393515f7b2d Thu, 28 Mar 2019 16:51:13 -0400 843 false To invest right you must understand risk. To invest right you must understand risk. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 359c91db-174b-43dc-b775-760b0eddb709 Wed, 27 Mar 2019 20:07:32 -0400 2186 false There are NO special investments for special people like you. There are NO special investments for special people like you. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 8439496b-7c97-4599-a165-9ed1949ac247 Tue, 26 Mar 2019 17:13:10 -0400 2149 false Stop fooling yourself: You can't possibly know the future. Stop fooling yourself: You can't possibly know the future. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b8a91be7-d8aa-48eb-8d7f-223aaba4159b Fri, 22 Mar 2019 13:40:00 -0400 725 false Beware of broker-sold, high-fee, 529 college savings plans Beware of broker-sold, high-fee, 529 college savings plans Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 76352ebf-faff-4e03-969d-8d716f1c8f38 Thu, 21 Mar 2019 10:24:00 -0400 2157 false A disaster points out the risk of owning stock in a single company. A disaster points out the risk of owning stock in a single company. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ee4b5a53-4626-4c84-b459-7c6aa815f769 Tue, 19 Mar 2019 16:00:00 -0400 2132 false Crazy? We keep asking the same question expecting different results. Crazy? We keep asking the same question expecting different results. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald db98c88e-db17-4796-95f2-7ccddf3082b5 Mon, 18 Mar 2019 17:01:00 -0400 594 false Financial radio host is busted for running a classic Ponzi scheme. Financial radio host is busted for running a classic Ponzi scheme. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f9b5d877-696b-424e-bce1-de4051b9d481 Fri, 15 Mar 2019 18:23:00 -0400 852 false How the financial media uses your greed to get you to read. How the financial media uses your greed to get you to read. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9a5d3bc6-9586-4d3b-93d8-2f1a319c96dc Thu, 14 Mar 2019 17:39:00 -0400 807 false Stock trading is nothing but gambling with terrible odds. Stock trading is nothing but gambling with terrible odds. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3b400a69-cf22-4c04-9eb2-5efc3f5fa1cf Wed, 13 Mar 2019 15:39:00 -0400 2212 false Why does the financial news media keep trying to scare you? Why does the financial news media keep trying to scare you? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f0a6b629-fb74-42f9-8388-934a2b85bba8 Tue, 12 Mar 2019 18:01:00 -0400 2182 false Actively managed mutual funds continue to waste investors money. Actively managed mutual funds continue to waste investors money. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 89b31970-b121-43ed-a779-c9370bc0fbf0 Mon, 11 Mar 2019 16:09:00 -0400 760 false Even some major insurance firms hate equity indexed annuities. Even some major insurance firms hate equity indexed annuities. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 44141537-dd93-4658-a689-608a55278b6d Fri, 08 Mar 2019 13:57:00 -0500 397 false Could the "4% Rule" still apply if you retire early? Could the "4% Rule" still apply if you retire early? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 14eb3738-2653-49a7-8182-59477354427c Thu, 07 Mar 2019 12:46:00 -0500 586 false Taxes can hit some mutual fund investors when they least expect it. Taxes can hit some mutual fund investors when they least expect it. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 327cda39-d148-498f-900f-26752df8a724 Wed, 06 Mar 2019 16:53:00 -0500 2173 false How should you choose your next financial advice provider? How should you choose your next financial advice provider? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 8d158afd-5801-4ab4-ac52-fa48546ba755 Tue, 05 Mar 2019 16:29:00 -0500 2198 false What you say you want is hurting your financial future. What you say you want is hurting your financial future. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 11657f47-e6dd-4345-825d-5dbf5003bb1a Mon, 04 Mar 2019 17:09:00 -0500 972 false People lie! There will NEVER be high returns with no risk. People lie! There will NEVER be high returns with no risk. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 081d966f-eae8-4354-8f4b-7d48d3688422 Fri, 01 Mar 2019 17:12:00 -0500 993 false Would you give up sex for a free college education for your kids? Would you give up sex for a free college education for your kids? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 23a74bff-ef5a-42c4-89a7-24b25a02cabf Thu, 28 Feb 2019 17:34:00 -0500 90 false When it comes to investing, you must watch your back. When it comes to investing, you must watch your back. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 8d106a73-379a-499f-92bc-1a61ea58eb05 Wed, 27 Feb 2019 15:22:00 -0500 2057 false It's a win-win, better investing helps reduce inflation. It's a win-win, better investing helps reduce inflation. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e6ff8b1d-3bf5-4c43-9ef8-c3ef3ad589ab Tue, 26 Feb 2019 17:03:00 -0500 2120 false Shocking Financial Forecast: 87% of economists believe a recession will happen... someday. Shocking Financial Forecast: 87% of economists believe a recession will happen... someday. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 95647664-33fc-465a-ad32-bd5f875e1ee9 Mon, 25 Feb 2019 17:59:00 -0500 829 false Why does Wall Street keep trying to baffle you with BS? Why does Wall Street keep trying to baffle you with BS? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald da9a42c7-7164-43e4-9629-19c2a9e29f4c Fri, 22 Feb 2019 16:55:00 -0500 993 false How can doctors avoid falling prey to unscrupulous financial advisors? How can doctors avoid falling prey to unscrupulous financial advisors? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 53f3a783-bea5-454f-8938-edf74558c315 Thu, 21 Feb 2019 17:05:00 -0500 1026 false Don't take most of the financial news too seriously. Don't take most of the financial news too seriously. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 2a7b5dfa-dfc5-4c09-95cc-d07c41abac81 Wed, 20 Feb 2019 17:09:00 -0500 732 false A few simple steps to protect yourself from internet crime A few simple steps to protect yourself from internet crime Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 927a7901-0e88-4ca1-b0e7-4ecf8e12282b Tue, 19 Feb 2019 18:34:00 -0500 2156 false The best way to protect your money? Be skeptical. The best way to protect your money? Be skeptical. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 0b2e1577-993a-4022-8d7c-afcdad3405b1 Mon, 18 Feb 2019 16:05:00 -0500 2033 false SPIVA says: Index investing beats active investing yet again. SPIVA says: Index investing beats active investing yet again. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5c8e0b50-92df-44fa-b885-9920fe92639c Thu, 14 Feb 2019 17:50:00 -0500 1958 false Would you like a snow job with your free steak dinner? Would you like a snow job with your free steak dinner? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 4ba2ca32-a203-4518-b756-df45490151a5 Wed, 13 Feb 2019 17:22:00 -0500 1247 false Vanguard's identity crisis: Passive or Active? Vanguard's identity crisis: Passive or Active? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 55fb1c5a-83fb-4ec3-8329-eb444c6f4cfb Tue, 12 Feb 2019 17:00:00 -0500 775 false Hey active fund managers: Face facts. You can't beat the market! Hey active fund managers: Face facts. You can't beat the market! Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 60c3e19f-6be9-4edb-9085-cf4358af60aa Mon, 11 Feb 2019 17:09:00 -0500 915 false Even when they seem to be winning, active funds usually lose. Even when they seem to be winning, active funds usually lose. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald cb3057f4-f13a-4e74-adc1-579eae3b292b Fri, 08 Feb 2019 17:10:00 -0500 90 false What could possibly be wrong with something called a "Freedom Check?" What could possibly be wrong with something called a "Freedom Check?" Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ee702d8c-2794-4023-bd4b-d46137b575a2 Thu, 07 Feb 2019 18:28:00 -0500 945 false How to make millions giving bad invsting advice with no oversight How to make millions giving bad invsting advice with no oversight Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b2b4cee4-f33e-4200-83cc-393a137a1946 Wed, 06 Feb 2019 16:09:00 -0500 899 false Indexed annuity lies: There is no way to get high returns with low risk Indexed annuity lies: There is no way to get high returns with low risk Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 7e44a210-afed-4b75-9d83-7986bdd94484 Tue, 05 Feb 2019 16:50:00 -0500 488 false Learn how to build real wealth in just 19 minutes. Learn how to build real wealth in just 19 minutes. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f6781fa1-8c2c-4487-b6b7-109baff65a5c Tue, 05 Feb 2019 16:03:00 -0500 1162 false Stop mistaking financial luck for investing skill. Stop mistaking financial luck for investing skill. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 7b855799-b09b-49e7-a3d6-672e9d477ac7 Mon, 04 Feb 2019 17:43:00 -0500 1048 false Alternative investments have done poorly for 10 years. Alternative investments have done poorly for 10 years. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ef09f41d-18ed-4315-b45e-aa46f2d9c7b5 Fri, 01 Feb 2019 17:13:00 -0500 1114 false How should you plan for the possible long-term care needs in retirement? How should you plan for the possible long-term care needs in retirement? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald af5f305d-aa6a-4eb3-969a-d24c0c8736b2 Thu, 31 Jan 2019 16:55:00 -0500 705 false Annuities: How can a financial product with such small benefits be so popular? Annuities: How can a financial product with such small benefits be so popular? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b2da3d58-7316-4de8-a53f-36e18778f500 Wed, 30 Jan 2019 18:04:00 -0500 519 false How prepared are you for living well in retirement? How prepared are you for living well in retirement? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 65a759f9-529b-48e0-958c-551289493e7f Tue, 29 Jan 2019 16:35:00 -0500 1192 false Millenials may have the makings of great investors. Millenials may have the makings of great investors. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 624928df-c680-4dd5-a9a8-448e9249e450 Tue, 29 Jan 2019 16:20:00 -0500 924 false Two things Don hates because of what they do to you! Two things Don hates because of what they do to you! Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ba014fa9-1114-4e71-92f1-2b3eaf178d67 Mon, 28 Jan 2019 16:30:00 -0500 989 false Active mutual fund managers are about to become the dial-up phones of investing. Active mutual fund managers are about to become the dial-up phones of investing. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 4800130f-1171-40f0-b43b-5a3b353be547 Fri, 25 Jan 2019 16:28:00 -0500 837 false Who's getting rich with hedge funds? Probably not you! Who's getting rich with hedge funds? Probably not you! Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9b30f97e-b2f7-4cfd-a325-3c60eca93c7d Thu, 24 Jan 2019 17:09:00 -0500 90 false Unlike stocks, cryptocurrencies have been down longer than they've been up. Unlike stocks, cryptocurrencies have been down longer than they've been up. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c1a01d29-9b0a-42d3-8895-1332cdc438f2 Wed, 23 Jan 2019 17:34:00 -0500 884 false There is no need to add technology stocks to a diversified portfolio, they're there. There is no need to add technology stocks to a diversified portfolio, they're there. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9eecf6d6-143f-4800-9d1b-27d66b911a48 Wed, 23 Jan 2019 17:24:00 -0500 1195 false Jack Bogle put hundreds of billions of extra dollars into Americans' pockets. Jack Bogle put hundreds of billions of extra dollars into Americans' pockets. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald e0f9cad0-22e1-4305-8827-3b928c448fd0 Tue, 22 Jan 2019 15:17:00 -0500 2156 false Bear markets haven't been as bad for retirees as we thought. Bear markets haven't been as bad for retirees as we thought. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 22b46ba2-c276-4d49-bad9-7621c9916353 Tue, 22 Jan 2019 12:38:00 -0500 90 false After years of mistakes, Don is a smarter investor. After years of mistakes, Don is a smarter investor. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 592a1e51-e6d6-4aa3-90a9-72a54691a229 Fri, 18 Jan 2019 16:25:00 -0500 904 false Jack Bogle: A man who led us to better financial futures Jack Bogle: A man who led us to better financial futures Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 3d0afd4d-a585-4139-9238-88d30fe4de4d Thu, 17 Jan 2019 17:21:00 -0500 986 false Guessing right about the future doesn't make you smart, just lucky. Guessing right about the future doesn't make you smart, just lucky. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 030858b0-435a-4262-beb5-67e1b294cca3 Wed, 16 Jan 2019 17:20:00 -0500 962 false Why are most money talk shows and podcasts giving bad advice? Why are most money talk shows and podcasts giving bad advice? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c8b31c52-63bb-4308-b06e-1ca1a0195915 Wed, 16 Jan 2019 14:29:00 -0500 2184 false Even a wise old sage like Jack Bogle can get emotionally swayed Even a wise old sage like Jack Bogle can get emotionally swayed Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald dce36a12-bc67-4474-ada1-89eb47a6cb47 Tue, 15 Jan 2019 17:52:00 -0500 683 false When do you want to retire and what will you do? When do you want to retire and what will you do? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f7dfd0c6-a8fd-4b5e-99db-e5daa04285a3 Tue, 15 Jan 2019 17:45:00 -0500 2046 false Don't use the only type of fund that made money last year. Don't use the only type of fund that made money last year. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 07dadbad-5d98-4135-801f-2b96b1b26ccd Mon, 14 Jan 2019 17:30:00 -0500 796 false Wow, how quickly stocks go from worst ever to best ever. Wow, how quickly stocks go from worst ever to best ever. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 01c734f3-129d-46d9-b729-549789958246 Fri, 11 Jan 2019 17:21:00 -0500 930 false Listen to this before you yell at your financial advice provider. Listen to this before you yell at your financial advice provider. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 91f0b304-08cb-4827-be47-764b51b7d989 Thu, 10 Jan 2019 17:01:00 -0500 800 false You're a bad investor when you want what you can't have? You're a bad investor when you want what you can't have? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 286303e7-4157-405d-b37e-786a896cdd10 Wed, 09 Jan 2019 17:02:00 -0500 749 false Warren Buffet's indexing bet continues to look brilliant Warren Buffet's indexing bet continues to look brilliant Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 8ddf831b-bbb5-49e6-bbc7-acd391427a72 Wed, 09 Jan 2019 11:09:00 -0500 2046 false TUE: Even in business, death is required for future growth TUE: Even in business, death is required for future growth Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 0f4e6dfb-380c-41cb-bb1b-bfd0ecc4261e Tue, 08 Jan 2019 17:23:00 -0500 822 false If the volatile market is scaring you, you're doing something wrong. If the volatile market is scaring you, you're doing something wrong. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d0a963cf-bf8f-4318-8c18-78afc1a0cc73 Tue, 08 Jan 2019 16:19:00 -0500 1993 false MON: Of course, my investment advice is in your best interests. MON: Of course, my investment advice is in your best interests. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9c11634a-747e-45b6-b378-8a710fdd33e2 Mon, 07 Jan 2019 13:33:00 -0500 759 false FRI: Dumb smart money versus smart dumb money FRI: Dumb smart money versus smart dumb money Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 467b78e4-4f61-4328-9f83-36ffd17836b7 Fri, 04 Jan 2019 16:51:00 -0500 682 false THU: When markets are scary, know your turbulence tolerance. THU: When markets are scary, know your turbulence tolerance. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 80a7857a-26f7-423f-8a61-099af230c1de Thu, 03 Jan 2019 16:28:00 -0500 662 false WED: If you weren't a loser you did something wrong. WED: If you weren't a loser you did something wrong. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 80595f00-e396-4f5b-b8c6-1fd6cdda8ead Wed, 02 Jan 2019 18:12:00 -0500 608 false SEC forces Jordan Goodman to return ill-gotten Woodbridge gains. SEC forces Jordan Goodman to return ill-gotten Woodbridge gains. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 84031396-a809-4e7c-b444-65844c125cb4 Sun, 30 Dec 2018 12:54:00 -0500 2220 false Should you invest in scary stocks, scarier crypto, or a bag of air? Should you invest in scary stocks, scarier crypto, or a bag of air? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 7badc1fe-7e17-44ff-8c16-4c9672fd6f7f Sat, 29 Dec 2018 14:05:00 -0500 2260 false What Should You Do if a Bear Approaches? What Should You Do if a Bear Approaches? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 1c827427-3370-4e3d-be98-600a7ca6caa6 Thu, 20 Dec 2018 16:52:00 -0500 685 false Call us BEFORE you make a major money mistake! Call us BEFORE you make a major money mistake! Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 9e6ba1ee-cd0c-4efe-886d-572412bbeee1 Wed, 19 Dec 2018 13:27:00 -0500 2217 false Take a caller-driven, wild ride through an array of important money issues Take a caller-driven, wild ride through an array of important money issues Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 1339bfc3-2206-40f1-b215-6e3bc172ab0d Tue, 18 Dec 2018 16:14:00 -0500 2263 false How do you decide when and how to take Social Security in retirement? How do you decide when and how to take Social Security in retirement? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b251e72e-75bc-4068-a1df-3f26b457e553 Wed, 12 Dec 2018 11:46:00 -0500 2346 false What should you do after the stock market has dramatically declined? What should you do after the stock market has dramatically declined? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b0138c40-5871-4c01-90f3-81953f226ee5 Tue, 11 Dec 2018 16:26:00 -0500 2383 false TIme for an emergency market perspective intervention TIme for an emergency market perspective intervention Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 0ae07f8e-d3e2-4adb-a85b-096d0f1fb9f6 Thu, 06 Dec 2018 13:36:00 -0500 547 false Investing isn't a complicated as you might think Investing isn't a complicated as you might think Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald d71b1af3-572d-4ce9-9077-2186c0ad62b0 Wed, 05 Dec 2018 14:42:00 -0500 2335 false That "free" steak dinner could cost you thousands of dollars That "free" steak dinner could cost you thousands of dollars Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 6faf907f-236c-449a-835c-2886bbae63df Tue, 04 Dec 2018 15:38:00 -0500 2306 false That "free" steak dinner could cost you thousands of dollars That "free" steak dinner could cost you thousands of dollars Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 065d2557-114b-453a-bc2d-ae426fb14360 Tue, 04 Dec 2018 15:38:00 -0500 2306 false Last-minute steps you can take to reduce your 2018 tax bill Last-minute steps you can take to reduce your 2018 tax bill Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 4ebf8d9b-b4cb-40b4-8ee7-8c8615a439d2 Thu, 29 Nov 2018 12:37:00 -0500 2288 false How to avoid panicking in bad markets and learn to accept them How to avoid panicking in bad markets and learn to accept them Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 8b3f8d74-fb5a-4883-96b9-7f19b908af80 Wed, 28 Nov 2018 12:07:00 -0500 2289 false Bitcoin: Is it a currency, an investment, or something far more dangerous? Bitcoin: Is it a currency, an investment, or something far more dangerous? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald b23d757b-19b6-45e0-a469-c6d4117efd2b Tue, 20 Nov 2018 11:45:00 -0500 1550 false Stop believing that someone can predict the future direction of your investments Stop believing that someone can predict the future direction of your investments Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 93c000a3-87d8-4c25-8be5-e07a194e0069 Wed, 14 Nov 2018 13:07:00 -0500 2338 false Where do you get your financial advice? Where do you get your financial advice? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 40ea1c44-0931-4ab6-8380-c9ad0dba03b0 Tue, 13 Nov 2018 12:23:00 -0500 2296 false What happens to your future if those dividends run dry? What happens to your future if those dividends run dry? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald eb84b49b-6b3b-4241-a99f-6a46dee7dfe8 Thu, 08 Nov 2018 13:09:00 -0500 1064 false Stock prices have fallen. What should you do about it? Stock prices have fallen. What should you do about it? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald c4707378-d901-40a0-8130-468d01df1393 Wed, 07 Nov 2018 11:18:00 -0500 2312 false Your wallet is back on the menu at those free steak dinners. Your wallet is back on the menu at those free steak dinners. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 7f1f0b76-9963-4c31-9ae1-19fefd9de444 Wed, 31 Oct 2018 13:29:00 -0400 1366 false Learn the investing strategy that can save your sanity in scary markets. Learn the investing strategy that can save your sanity in scary markets. Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald ce4dc841-9807-4a22-9aea-fa10ae72485e Thu, 25 Oct 2018 12:42:00 -0400 1534 false The Ballad of Wade Crook or You Can't Keep a Good Con Down The Ballad of Wade Crook or You Can't Keep a Good Con Down Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald f06530f1-fe06-4d44-8a90-b45b0460a9f6 Wed, 17 Oct 2018 13:14:00 -0400 1423 false Suze Orman's and Dave Ramsey's Investing Advice is Bad for You Suze Orman's and Dave Ramsey's Investing Advice is Bad for You Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald a9882725-8405-4306-9376-b5d257ebbd13 Thu, 11 Oct 2018 18:46:00 -0400 1141 false How you can enjoy a brighter future by avoiding active money management How you can enjoy a brighter future by avoiding active money management Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald a9d257be-9f74-4ee8-bfbd-8c46d175d03e Thu, 04 Oct 2018 15:33:00 -0400 1244 false What lessons can you learn from a bad financial advisor? What lessons can you learn from a bad financial advisor? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5bb5089ce2c483423e3f088f Wed, 03 Oct 2018 14:28:19 -0400 1244 false Gold, BitCoin, Chocolate Gold, BitCoin, Chocolate Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5babd1570d92978a6e2072ba Thu, 27 Sep 2018 14:27:22 -0400 1044 false Protect Yourself Protect Yourself Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5bab989871c10b96e75825d6 Wed, 26 Sep 2018 10:37:18 -0400 2295 false Sky High Stocks Sky High Stocks Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5baaaec8f9619ab49f9b0f0c Tue, 25 Sep 2018 18:16:24 -0400 2282 false Commodity Games Commodity Games Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5ba513efe5e5f05230a32e91 Fri, 21 Sep 2018 11:59:03 -0400 1250 false Dialing in Risk Dialing in Risk Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5ba3daee24a6945e73141599 Thu, 20 Sep 2018 13:49:14 -0400 2318 false Buy Norway? Buy Norway? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5ba12d1eb8a045e87458982e Tue, 18 Sep 2018 12:59:53 -0400 2372 false Taking in Slowly Taking in Slowly Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b9aca7c032be420403fbe2e Thu, 13 Sep 2018 17:16:11 -0400 915 false Conflict Free? Conflict Free? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b92c0c2c2241b4cce18cfd5 Fri, 07 Sep 2018 14:21:44 -0400 1113 false Healthy Savings Healthy Savings Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b91550f88251b8f68abbd4b Thu, 06 Sep 2018 12:35:04 -0400 973 false Designation Decipher Designation Decipher Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b883cdc352f534e2cb979c1 Thu, 30 Aug 2018 15:10:07 -0400 1298 false Grown Up Bullies Grown Up Bullies Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b86eac74d7a9cd6adcf23ce Wed, 29 Aug 2018 14:57:29 -0400 2295 false Collapsing Woodbridge Collapsing Woodbridge Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b85a333cd8366c6feecd158 Tue, 28 Aug 2018 15:38:36 -0400 2228 false Quick: Mortgage Inverted Quick: Mortgage Inverted Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b7f04efcd8366e8f1942725 Thu, 23 Aug 2018 15:10:52 -0400 1223 false Shockingly Expensive Shockingly Expensive Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b7daaecb8a0455be745a245 Wed, 22 Aug 2018 14:46:54 -0400 2306 false Money Media Mendacity Money Media Mendacity Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b7c5f6721c67c04a7ebcb04 Tue, 21 Aug 2018 15:05:12 -0400 2343 false Quick: Figuring the Future Quick: Figuring the Future Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b75c36e4ae237626bfee007 Thu, 16 Aug 2018 14:41:40 -0400 687 false How Much Risk? How Much Risk? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b747b06562fa7f9a5214c36 Wed, 15 Aug 2018 15:21:50 -0400 2247 false Stick to Debt Talk Stick to Debt Talk Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b73364e2b6a28622fc9f1e3 Tue, 14 Aug 2018 16:14:13 -0400 2254 false Quick: Pecuniary Puzzles Quick: Pecuniary Puzzles Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b6dda61cd8366d0fd915266 Fri, 10 Aug 2018 14:50:21 -0400 735 false Silver's So Sad Silver's So Sad Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b6dc20e4d7a9c89342f5324 Fri, 10 Aug 2018 13:23:15 -0400 2330 false What's the Catch? What's the Catch? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b6c9d4588251b2eb6b9174a Thu, 09 Aug 2018 16:06:20 -0400 2243 false Quick: Home as Investment? Quick: Home as Investment? Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b6336ff0e2e721e18c4c8ca Thu, 02 Aug 2018 12:58:25 -0400 782 false No Money Magic No Money Magic Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b61cb27562fa711b91e17af Wed, 01 Aug 2018 11:07:34 -0400 2359 false Two Stock Melt Two Stock Melt Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b60a23d758d46a989c53a8d Tue, 31 Jul 2018 14:00:11 -0400 2303 false Quick: More Keys Quick: More Keys Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b5b84e3aa4a993fa3b9ac1e Fri, 27 Jul 2018 16:51:13 -0400 968 false Cost Drag Cost Drag Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b5a0f5b03ce64671b4d53c9 Thu, 26 Jul 2018 14:22:12 -0400 2300 false Trading Truths Trading Truths Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b5885f31ae6cf819e7ba132 Wed, 25 Jul 2018 10:25:08 -0400 2277 false Quick: 5 Investing Keys Quick: 5 Investing Keys Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b520ec4758d463b9fc74a67 Fri, 20 Jul 2018 12:39:24 -0400 939 false Reverse Realities Reverse Realities Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b50ded9aa4a99d8b863d08b Thu, 19 Jul 2018 15:02:39 -0400 1911 false Don's Truth Form Don's Truth Form Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b4f6008562fa7afdb14cb5d Wed, 18 Jul 2018 11:49:28 -0400 1515 false Quick: Why They Lie Quick: Why They Lie Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b48f3a0f950b785d85aef96 Fri, 13 Jul 2018 14:58:09 -0400 590 false Quick: 2 Words, 2 Letters Quick: 2 Words, 2 Letters Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b47b3e2758d46e15a503640 Thu, 12 Jul 2018 16:10:08 -0400 833 false Crypto: Craze to Crash Crypto: Craze to Crash Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b3e7ddb352f535bffb3484b Thu, 05 Jul 2018 16:28:30 -0400 2290 false Ignore Predictions Ignore Predictions Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b3d178a6d2a7346fad30c40 Wed, 04 Jul 2018 14:57:03 -0400 2284 false Your Money & The Law Your Money & The Law Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b3533e788251b0938e9e7ca Thu, 28 Jun 2018 15:23:25 -0400 3097 false The Obsolete Index The Obsolete Index Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b33e7fc70a6add633d594c8 Wed, 27 Jun 2018 15:43:39 -0400 2476 false Bad Investing Advice Bad Investing Advice Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b32ba3803ce6487c5b7d3c8 Tue, 26 Jun 2018 18:28:02 -0400 2322 false Worry Free Investing Worry Free Investing Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b2d4008aa4a99c8979a0ac6 Fri, 22 Jun 2018 14:40:57 -0400 3113 false More Ways to Save More Ways to Save Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5b2c03221ae6cfaa054bccb8 Thu, 21 Jun 2018 16:04:46 -0400 2236 false Time for a Hat Time for a Hat Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5ad7c186562fa75adb8f2694 Wed, 18 Apr 2018 19:16:57 -0400 2246 false Protect Yourself! Protect Yourself! Learn more about your ad choices. Visit megaphone.fm/adchoices

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]]> Don McDonald 5231d552e4b063fed6fcc8e3:52d9b77de4b0506918715a03:5ac63c86f950b767bb518e25 Thu, 05 Apr 2018 12:18:01 -0400 2281 false More Eggs, Better Baskets More Eggs, Better Baskets Learn more about your ad choices. Visit megaphone.fm/adchoices

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