Talking Real Money - Investing Talk

In this exciting edition:0:03 Introduction to Financial Normalcy3:50 The Retirement Worry6:28 The Gray Area of Investing13:23 The Importance of a Financial Plan21:03 Portfolio Questions and StrategiesLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this Q&Apisode:0:04 Stock Market Insights3:05 Questions from Listeners3:31 International Investment Concerns8:45 Portfolio Housekeeping11:53 Charitable Distributions Explained14:35 401(k) Allocation StrategiesLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Today, we discuss:5:34 The Case Against the Penny7:12 Daylight Savings Time Debate8:27 Worthless Financial Instruments11:24 The Cryptocurrency Conundrum13:14 Rollover Strategies Explained23:00 The Weirdness of Today’s WorldLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode:1:54 Election Investing and Other Gambling6:40 Understanding Financial Futures14:32 Navigating Roth IRA Withdrawals20:16 The Importance of Financial Planning26:53 Pay Yourself First28:57 Target Date Funds Explained38:25 Transitioning to VanguardLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode:1:29 The High Price of High Dividends18:35 The Importance of Staying Invested21:04 Market Fluctuations and Trading29:08 Understanding Asset Allocation31:56 The Value of Asset Location35:39 Rebalancing for a Better PortfolioLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

To start the week we tackle:0:03 Election Biases and Money2:17 Overcoming Recency Bias3:34 Strategies Against Bias6:42 Understanding Market Cycles11:22 International Investment Options13:30 Listener Questions and InsightsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In the shortest Friday Q&A show ever:2:20 Retirement Lump Sum Concerns4:28 Transitioning Investment Accounts6:58 Disclaimers and Financial AdviceLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode we discuss:3:17 The Illusion of High Returns6:23 The Importance of Second Opinions20:42 Charitable Giving Strategies24:04 Transitioning from Real Estate27:20 Tackling Hodgepodge-itis35:25 The Role of Financial PlanningLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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

In today's post-holiday episode:2:42 Preparing for Retirement: Key Considerations8:54 The Importance of Professional Financial Help10:58 Embracing Flexibility in Retirement Planning15:29 Debating Gold as an Investment15:45 Target Date Funds: Pros and Cons19:19 Engaging Listener Questions21:28 A Funny Encounter with AILearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Topics of today's questions:2:14 Long-Term Care Insurance Insights14:51 Evaluating ETFs for Downside Protection18:25 Managing Debt with HELOC Strategies23:36 Portfolio Management for RetirementLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

This edition's discussion:3:08 The Importance of Rebalancing6:40 Understanding Risk and Volatility12:13 Inherited Wealth Decisions15:29 Comparing Exchange-Traded Funds20:05 The Future of InvestmentsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode:1:36 Creative Fear-Mongering Editing11:28 Fund Recommendations and Confusion14:30 Clarifying Financial Advice20:36 Investment Education for Young People21:06 Personal Finance Adventures26:04 The Luck of Investing27:08 Understanding Hodgepodge-itis36:04 Navigating Complex InvestmentsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode:0:04 Financial Exorcism5:09 Index Fund Realities15:03 Understanding Market Behavior21:22 Navigating Retirement Challenges23:30 Managing Unexpected Wealth28:20 Lazy Portfolio Strategies34:17 Healthcare Solutions for Early Retirees40:52 Behavioral Investing InsightsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this special Q&A episode:5:52 Listener Questions Begin7:53 Paying Off Debt vs. Investing8:43 Retirement Savings Strategies10:21 Employee Stock Purchase Plans14:37 Risk Management in Retirement16:10 Finding Purpose in Retirement16:33 Building a New Home22:22 Financing vs. IRA Withdrawals23:50 HSA vs. Roth ContributionsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode:2:35 The Bond Debate5:07 Alternatives to Bonds6:47 Evaluating Long-Term Investment Options9:56 Listener Questions Begin16:39 Financial Decisions and StrategiesLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

From last Saturday's radio show:1:23 Understanding Investment Scams4:58 Protecting Your Identity7:25 The Downsides of Credit Freezing9:04 Importance of Two-Factor Authentication10:02 Roth Conversion Strategies12:36 Navigating Social Media Confusion15:11 The Model Military Aircraft Museum17:21 Analyzing ETF Recommendations22:15 Simplifying Investment Strategies27:39 The Role of a Fiduciary Advisor33:35 Tailoring Financial Advice for Pilots35:07 Security for Social Security NumbersLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode, Tom and Don discuss:5:27 Tech Wonders and Real Estate13:47 The Changing Landscape of Real Estate21:14 Navigating Financial Security21:34 Listener Questions and Insights26:55 Understanding TIPS and Bonds28:01 The Importance of Financial Clarity36:55 Economic Insights and Market Behavior37:21 Apple’s Vision Pro Experience40:14 Selling the Airstream: A New AdventureLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

As Don was actually vacationing, here is last Friday's episode a few days late:4:06 SIPC Insurance Explained6:43 Fiduciary Duty and Insurance Companies8:23 IRA vs. 401k Protection10:23 Seeking Source Material14:17 Finding the Podcast16:36 Connecting with AdvisorsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

As Don was actually vacationing, here is last Thursday's episode a few days late:1:03 The Money Talk Dilemma1:45 Power Dynamics in Financial Discussions2:01 Evolving Perspectives on Money Talks3:08 Historical Context of Money Discussions4:14 Maintaining Financial Independence5:05 Joint or Separate Bank Accounts?6:04 Initiating Money Conversations7:13 Frequency of Money Talks8:00 Long-Term Financial Planning10:07 Dealing with Fixed Incomes in Retirement11:03 Setting Financial Approval Limits11:35 Seeking Professional Financial Guidance12:49 Psychological Impact of Financial Control14:08 Pitfalls of Structured Notes17:28 Maximizing Saving Opportunities18:06 Legal Recourse for Mismanaged Investments20:25 Seeking Financial AssistanceLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

As Tom and Don meet up at Lake Chelan, they discuss:2:58 Index Fund Disadvantages13:56 Market Decline in September21:47 Avoiding the Herd Mentality27:40 Overcoming Hodgepodge-itis36:26 Airstream Adventures40:31 Meet with an AdvisorLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode, Tom and Don are in the same room discussing:6:38 Securing Your Financial Future10:27 Understanding Risk Tolerance14:22 The Insurance Industry's Self-Interest16:50 Bonds: From Bad to Good20:51 The Big Moving Sale: Silver Bullet Airstream21:38 The Legend of the Chelan Sea Monster23:23 Retirement Portfolio Diversification27:24 Overcoming Hodgepodge-itis in Investments28:26 Managing Fear of Market Volatility32:32 Importance of a Holistic Financial Plan38:55 Tailoring Investments to Financial NeedsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

This week Don takes questions about:2:00 Investing for Grandson4:14 Evaluating 401k Investments6:50 Revising Investment Portfolio8:10 WEP and GPO Discussion19:34 Small Cap Value Index FundsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In another traveling episode, we discuss:1:01 Retirement Savings Importance2:10 Court Ruling Impact3:59 Common Retirement Mistakes6:25 Failing to Maximize 401k Benefits8:19 Borrowing from 401k Risks10:12 The Importance of Asset Allocation11:17 Traditional vs. Roth 401k Considerations13:44 Financial Planning Importance14:33 Variable Annuities Dilemma17:33 Equities in Short-Term PortfoliosLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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

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

Don's taking your questions as he sits in Montana for a moment:2:51 Simplifying Investment Management10:49 Choosing the Right Bonds13:14 Tax Implications of Selling Property16:55 Establishing a Trust for Inheritance17:52 Lump Sum vs. Monthly IRA ContributionsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

As Don continues to traverse the country, he and Tom talk about:0:04 Nearing Normalcy2:21 Special Investments Not So Special4:11 The Top 10 Investments4:53 Investing in Crypto7:39 Trouble with Special Investments11:15 Fees and Higher Costs12:47 Ignoring Risky Investments16:42 Career Change AdviceLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode, Don is dealing from Deadwood, South Dakota:2:05 Answering Money Questions on the Move11:48 Investing Dilemma: What to Do with $50,000?15:13 Overcoming Hodgepodge-itis20:13 Annuitizing Annuities: A Dubious Deal26:21 The Risks of Annuities and Index Funds35:09 Dangers of Misguided Advisor Recommendations37:17 Red Flags in Investment AdviceLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Don keeps traveling west as we discuss:2:11 Change in Location, Change in Discussion3:19 Fallacies of the Past4:22 Social Security Beliefs6:31 Misconceptions about Equity Returns9:10 Misconceptions about Indexing12:06 The Persistence of Myths18:45 Complexity vs. Simplicity29:23 Home Team Bias35:25 Cicadas and Misunderstandings37:46 Gracious Midwest VisitorsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this Q&A episode:0:04 The Shiny Object Syndrome1:10 The Top Stock Funds3:46 Lessons from Janus Funds5:40 Roth IRA Contributions Dilemma8:30 Considerations for Traditional IRA9:06 Inherited 401ks and IRAs13:34 401k Match vs. Traditional IRA16:31 Don't Miss Out on Free MoneyLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Wes Crill from Dimensional Funds joins us to discuss:1:47 Election Anxiety3:51 Presidential Concerns6:03 Market Concentration7:37 Diversification Dilemma10:15 Small Cap Superiority10:56 Global Market Balance14:18 Rebalancing Challenge16:10 New Market Highs17:18 Equity Portfolio Strategy23:43 Crypto CuriosityLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Tom meets Don and listeners in Madison, Wisconsin:0:35 Welcome to Talking Real Money live from Goodland Park8:19 The insurance industry's challenge with transparency12:34 The importance of recognizing ethical financial advisors24:19 The importance of financial literacy for investing31:26 Making informed decisions about high-interest savings accounts36:13 Wrapping up the show in Madison, WisconsinLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Tom meets Don on the road trip in a park in Madison, Wisconsin:0:04 The Corn Chronicles1:33 Ethanol Insights5:31 Financial Decisions7:32 Risky Yields10:44 Insurance Insights13:06 Too Good to Be True17:00 Retirement Dilemma25:05 Portfolio SimplificationLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this Q&A session:0:07 Die with Zero concept and spending for experiences1:37 Audience member's humorous desire for a bounced check9:22 Bill Perkins' extravagant birthday celebration and giving away wealth11:19 Importance of enjoying life and family experiences13:53 Valuable life lessons and considerations on money management17:22 Avoiding risky investments when saving for short-term goals18:36 Precautions and considerations for Roth conversions20:25 Impact of Roth conversions on Social Security and taxationLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Tom is back for a new episode featuring:0:04 Welcome Back Banter5:01 Shifting Investment Trends7:13 Generational Investing Shifts12:27 The Pitfalls of Trading15:29 VTWAX vs. VT17:59 Asset Allocation Adjustment19:36 Advisor Interview Form ReviewLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In today's episode:3:31 The Dow and Small Company Stocks6:37 The Value in Small Cap Investing13:01 Beware of Gimmickry in Investing15:06 Understanding Risky Investment Strategies21:09 Get a Second Opinion for Your Financial Future27:42 Overcoming Hodgepodge-itis in Your Portfolio36:44 Recommendations for Small Cap Value FundsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In what was supposed to be the Tuesday podcast:1:46 The Truth About Annuities5:37 A Bright Financial Future6:25 Financial Decisions Made Easy6:43 Slamming the Insurance Industry7:03 Properly Placed Annuities7:16 Beware of Variable Annuities16:52 Basket Portfolios and ETFs27:33 Overcoming Hodgepodge-itis30:43 Prioritizing Financial Goals35:14 Universal Life Insurance Dilemma36:41 Summer Adventures and UpdatesLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this Q&Apisode:0:04 On the Road Again5:24 Planning for Retirement8:58 Handling Inherited Accounts13:08 Maximizing Retirement Savings14:24 Balancing Investment Focus18:48 Role of Real Estate in PortfolioLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Joe Saul-Sehy from Stacking Benjamins joins Don again to discuss:3:09 Financial Planning Teaching Methods8:23 Taxation and Financial Planning History12:25 Efficacy of Fee-Only Planners16:58 Transition to Lower Commission Annuities21:10 Portfolio Analysis and Index Fund Consideration26:54 Stoicism and Investing Philosophy29:06 Road Trip UpdateLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Another episode on the road:0:03 Bad Year for Stock Pickers3:24 Property Value and Lease Analysis4:35 Triple Net Lease Concerns5:19 Seeking a Second Opinion5:31 Fiduciary Advisors at Apella6:18 Creating a Bright Financial Future13:17 Starting a Retirement Plan15:02 Retirement Planning for Contractors25:24 Reality Radio and Index Funds27:03 Treating Hodgepodge-itis28:44 Retirement Planning for Special Needs Children37:27 Diversification with VanguardLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

As Don continues his travels, we discuss:0:03 On the Road Again5:41 Berry Talk8:11 Financial Philosophy12:39 Protecting Your Investments20:56 Family Inheritance Dilemma24:48 Setting Expectations27:36 Overcoming Hodgepodge-itis33:53 Portfolio Allocation Concerns36:58 Banking Fees DeceptionLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this Q&A episode:1:49 The Dangers of Following Market Trends4:27 Making Decisions Based on Future Feelings4:58 Investing for Yourself, Not the World5:19 Welcoming Roxy Butner to the Studio5:31 Question from Jane about Robo-Advisors10:24 Estate Planning and Trusts13:35 Exploring Annuities in Retirement Accounts18:25 Retirement Planning with Thomas from New Jersey25:39 Importance of Financial Planning in RetirementLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Another exciting episode from the mountains of North Carolina:0:03 Introduction to the Journey2:40 Looking for exciting investments?7:45 Importance of Seeking Second Opinions9:23 Retirement Planning and Investment Allocation11:05 Sustainable Withdrawal Rate in Retirement21:43 Investing Should Be Boring24:32 Discussion on Avoiding Capital Gains Taxes28:09 Seeking Treatment for Hodgepodge-itis34:22 Push for Consumer-Centric Financial Industry38:25 Challenging Live Show Amidst RainstormLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Here's the first true "On the Road" edition:0:04 On the Road Woes4:09 Temptation of the S&P 50013:25 Technical Challenges Resolved14:24 The Dumb Duo of Investing14:56 Investment Horrors Unveiled15:33 Real Estate Syndicates Warnings25:22 Portfolio Purpose Planning29:46 Avoiding High Fee Traps34:18 Great American Road Trip AheadLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Join Don and Joe Saul-Sehy from Stacking Benjamins as they discuss:0:04 The Secret Coup1:27 Stacking Benjamins3:07 The FIRE Movement9:18 Work and More12:22 Retirement Realities14:56 Retirement Reimagined17:39 The Power of Need19:05 Unveiling the Box21:53 Understanding Complexity25:03 Analyzing ETF BOXX26:25 The Greatest Money Show on EarthLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Don is on the road, so Friday's Q&A is a bit late:1:28 Maximizing Financial Aid Strategy4:06 Investing in Individual Stocks7:49 Converting 401k to IRA11:37 Creating a Glide PathLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode:0:03 Slow Roll into Retirement2:38 Working Beyond Retirement Age4:38 Managing Retirement Portfolio Successfully7:48 Housing Dilemma9:18 Mutual Funds vs. ETFs14:34 Owning Multiple Houses16:46 Long-Term Housing PlansLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this edition:13:09 Exploring Retirement Costs Across the Country20:44 Importance of Second Opinions in Investing29:31 Exploring Anti-ESG Funds35:02 Disputing Charges on Credit CardsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode:1:34 Don's Dumb Duo5:23 Get a Second Opinion8:40 The Value of Gold11:43 Financial Planning Challenges14:55 Roth Conversions Advice16:57 Schwab and Fidelity Comparison19:50 Clarification on Bond Holdings22:06 After-Tax Contributions in 401k29:46 Disagreement on Alternative Investments33:56 Caution on Private Credit Investments37:08 Risks of Alternative InvestmentsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!