Episodes

We revisit the great retirement date debate: 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 Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Clic...

Is 60/40 dead again: 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 I...

We look for lessons from the last 100 years: 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 Learn more about your ad choices. Vis...

Today, let's talk about "expert" forecasts: 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 Learn more about your ad choices. Visit megaphone.fm...

Ah. Things are back to normal: 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 Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

In today's episode of TRM: 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 Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

In today's show: 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 Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

In this episode: 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 Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

In today's episode: 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 Learn more about your ad choices. Visit megaphone.fm/...

In this new year episode: 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 Learn more about your ad choices. Visit megaphone.fm/adchoices Quest...

In our first episode of the new year: 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 Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

In the final episode of 2024: 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 Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

Welcome to today's podcast about risk and return: 14:12 The Risks of CDs and Annuities 19:31 Gambling vs. Investing 31:16 Retirement Planning Essentials Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

In this episode: 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 Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode: 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 Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

Don takes your questions: 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 Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

In this episode: 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 Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

In today's show: 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 Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

On today's podcast: 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 Learn more about your ad choices. Visit mega...

In today's episode: 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 Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

In today's Friday 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 Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

'Tis the Talkin' Season: 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 Learn more about your ad choices. Visit megaphone.f...

In this episode of "Talking Real Money," Don and Tom delve into a topic that intertwines personal finance with broader societal issues, sparked by a tragic event—the assassination of a CEO from the health insurance sector. The show starts with a call from a listener seeking advice on legacy stock holdings. Later, they discuss active versus passive ETFs. Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

In this episode from Saturday's show: 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 Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!