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Episodes

We post new episodes verey weekday (except holidays).
Aug. 17, 2023

Passive Leaders

We share which passive, unmanaged funds have made the most over the past decade? However, does past performance tell you anything aboit the future? Then, we answer questions from a couple of listeners: Should new money be used to rebalance? In it worth converting a mutual fund to an ETF within an IRA? Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!
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Aug. 16, 2023

Balance Beats Target

Does the fact that target-date funds (which hold international stocks) have underperformed their balanced competitors (with generally on US companies) tell you anything about their future?Plus, why is the financial media keep taking the easy path by suggesting big, blue-chip stocks? Oh, and Tom shares a joke from a Norwegian listener. Then, callers want to know: 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-di...
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Aug. 15, 2023

Product Peddler Piqued

The show starts with a relatively tame discussion of the reccomendation to sell I-bonds and move the money into long-term Treasury bonds. Then, our first call sets off fireworks as attempts to claim that equity indexed annuities (EIAs) are wonderful, fee-free products that we unfairly slam. This is a conversation not to be missed. The raest of the show is filled with others callers: How should a conservative retiree be allocating investments? Looking advice on moving from a 401k to an IRA? How t...
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Aug. 14, 2023

Don’s European Vacation

Talking Real Money Special Travelogue Edition 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 Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!
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Aug. 11, 2023

Post Vaca Q&A

Back from vacation, Don shares some programming changes then answers listeners questions: 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? Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comme...
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Aug. 10, 2023

Are Homes Too Expensive?

Don is back from vacation while Tom is well into vacation and yet they managed to get together to discuss the relative unaffordability of single family homes. Are homes more expensive than ever? Plus, homeowners are borrowing record amounts of equity from their homes. Then we hear from listeners: How can I essentially gamble with my retirement money in penny stocks and IPOs? On track for an early retirement at age 55? Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comm...
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Aug. 9, 2023

Cash Is King?

Don is still away, but will be back soon. In the meantime: Who needs those risky stocks? A brilliant 25-year claims to have discovered the incredible power of nice, safe CDs and savings. How and how much should be invested in cash versus stocks and other investments? 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 ...
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Aug. 8, 2023

Moody Money Movements

After a technical problem bringing Don in live from Copenhagen, Tom carries on with Apella advisor, Derek Jobe and talks about our need to always be doing something with money. How much money do you need to retire comfortably? Listeners ask: 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? Learn...
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Aug. 4, 2023

Answers from Denmark

Don answers listeners questions while sitting on the 10th floor of the Copenhagen Marriott (check the cover art for his view): 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? Learn more about your ad choices. Visit megaphone.fm/adchoices Q...
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Aug. 3, 2023

The Social Security Game

What do you know about Social Security. Join us for an exciting game that will help you learn more about most American's primary source of retirement income. Plus, we take some questions: What's the best investment for a 529 education plan? What are the costs for buying and selling brokered CDs? Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!
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Aug. 2, 2023

More Income, Guaranteed

While "Waiting for Godot" (an obscure theatrical reference for many) ending up being a waste of time, waiting for Social Security could be very lucrative. Yet, few people manage to hold off until age 70. With Don in Copenhagen, Tom and Paul Merriman discuss this simple yet valuable strategy for enjoying more income in retirement. 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...
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Aug. 1, 2023

Wrong Time for Risk?

Don is still lounging around the North Sea (and editing this podcast). So, Tom in joined by Paul Merriman. The S&P 500 has soared 20% so far this year and now that "the market" (has been) "is" up, investors are feeling frisky. So, is it time to dive back into the equity pool. 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 ...
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July 28, 2023

Icelandic Q&A

Don's on his summer cruise, freezing in Iceland, and answering questions: 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? Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!
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July 27, 2023

SPAC'd Out

They gave you the chance to get in on the ground floor of hot new businesses. Special purpose acquisition companies or SPACs were hot "investments" not too long ago. So, what happened? 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? Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!
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July 26, 2023

Major Money Mistakes

While Don sails across the North Atlantic, Tom mans the podcast and discusses overrated financial concepts and how you deal with money. 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? Learn more about your ad choices. Visit megapho...
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July 25, 2023

Tom and the Consumerman

With Don on vacation, Tom spends some time covering the basics of investing. Later he is joined by Consumerman, Herb Weisbaum discussing the latest scams. They also discuss the pros and cons of electric vehicles. Callers ask about: What are the reals costs of mutual funds and ETFs? How to start working toward a financially secure retirement? Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!
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July 21, 2023

Don's Away Q&A (and C)

Even when on vacation, Don tackles an array of questions and comments from listeners, including: 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? Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!
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July 20, 2023

Larry Swedroe Part 2

In this episode, author Larry Swedroe shares his opinion on various alternative asset classes for investment. We also look at the confusing state of ESG investing and the differences between the returns of "green" and "brown" stocks. Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!
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July 19, 2023

Larry Swedroe Part 1

In this episode, Tom and Dan talk with prolific author and director of research at the BAM Alliance about the differences between passive and active investing. We also discuss the tax differences between mutual funds and exchange-traded funds and the benefits of diversification across various asset classes. Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!
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July 18, 2023

Prioritize Retirement

Don't spend too much of your savings on a child's college education. People often retire because they can no longer earn a living, so you must ensure your retirement is your financial priority. 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 inhe...
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July 17, 2023

Beware of Old Rules

Nothing from the past can give you a reliable way of predicting the future. Does an inverted yield curve guarantee recession? Does the stock market predict a booming economy? Lots of things work until they don't. Will ETFs kill mutual funds? Then we hear from lots of you: 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...
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July 14, 2023

Another Great Day of Q&A

In today's pre-vacation question and answer session Don addresses: 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? Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!
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July 13, 2023

Robo Reality

Today, after a robot briefly seizes the podcast, we talk about the power of advice and when hiring a robot to help you invest makes sense. We also compare a few of the biggest robo-advisory firms. 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? Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!
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July 12, 2023

Cancellation Frustration

We start with proof that "Luke from WI" is real. Then, we dive into the topic du jour; those annoying never-ending subscription charges. How can we better manage and eventually cancel them? Then, we take your questions: Isn't rebalancing a form of market timing? Is a cash-hoarding financial advisor incompetent? Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!
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The S&P 500 historical performance is the basis for any reference to the performance of stocks historically.

S&P 500 Index represents the 500 leading U.S. companies, approximately 80% of the total U.S. market capitalization.
Dow Jones Industrial Average (DJIA) Is a price-weighted average of 30 significant stocks traded on the New York Stock Exchange (NYSE) and the NASDAQ.
The Nasdaq Composite Index (NASDAQ) measures all Nasdaq domestic and international based common type stocks listed on The Nasdaq Stock Market, and includes over 2,500 companies.
MSCI World Ex USA GR USD Index captures large and mid cap representation across 22 of 23 developed markets countries, excluding the US. The index covers approximately 85% of the free float-adjusted market capitalization in each country.
MSCI Emerging Markets Index is a free float-adjusted market capitalization index that is designed to measure equity market performance in the global emerging markets (as defined by MSCI). The index consists of the 25 emerging market country indexes.
Bloomberg Barclays US Aggregate Bond Index measures the performance of the U.S. investment grade bond market. The index invests in a wide spectrum of public, investment-grade, taxable, fixed income securities in the United States – including government, corporate, and international dollar-denominated bonds, as well as mortgage-backed and asset-backed securities, all with maturities of more than 1 year.
Bloomberg Barclays Global Aggregate (USD Hedged) Index is a flagship measure of global investment grade debt from twenty-four local currency markets. This multi-currency benchmark includes treasury, government-related, corporate and securitized fixed-rate bonds from both developed and emerging market issuers. Index is USD hedged.

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