Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1396: Emergency Funds and More Apr 17, 2024

Show notes

Most American's have saved enough for even a $400 emergency? Start there, and then it's time to work on retirement savings. Along the way have those tough financial conversations with your partner. Plus, Don goes on a rant about the financial services industry and it's lack of client care. We hear from callers:
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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Ep. 1395: Should You Worry? Apr 16, 2024

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We recorded this episode as the Iranian attack on Israel was beginning. We discussed the impact of global events on your portfolio and how to invest during market turbulence. Then, we give you the chance to build your perfect economy with a quiz. We hear from some of you, too:
Is a Fidelity advisor a fiduciary or not?
Where should money for intermediate-term spending be invested?
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Ep. 1394: A New Day of Q&A Apr 15, 2024

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Listeners love our question and and snswer episode, so here a special Monday Q&A featuring Tom and Roxyu Butner answer your written questions:
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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Ep. 1393: It's You and Don Day Apr 12, 2024

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On today's FridayQ we discuss:
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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Ep. 1392: Best? Be Wary. Apr 11, 2024

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We are innundated with articles featuring lists of the "best" investments. Are they really that good and should you invest in them? Plus, we hear from listeners:
What's the difference between two bond ETFs?
Upset about the performance of her bond fund.
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Ep. 1391: A True Fiduciary? Apr 10, 2024

Show notes

Most advisors claim to be fiduciaries and even those who are always required to act in a client's best interests can have conflicts. What makes a true fiduciary financial advisor? We also discuss young investors sources of advice. Callers join in and ask:
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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Ep. 1390: The Highest Heights? Apr 09, 2024

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Nobel laureate, Robert Shiller, believes that the U.S. stock market may have run its course for awhile. So, what should you do is he's right? You be shocked (wink) at the answer. Then, aa whole lot of listeners call in:
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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Ep. 1389: 2% is Too Much Apr 08, 2024

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Paying too much for your retirement plan and the investments within can damage your future. Listeners ask:
What do we think of direct indexing?
Why isn't Don's book available as an audiobook?

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Ep. 1388: A Few Friday Qs Apr 05, 2024

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Submit your spoken questions at talkingrealfmoney.com. This week:
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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Ep. 1387: How Much is Needed? Apr 04, 2024

Show notes

What is your retirement number? Everyone should have one. Most people's number is too low, so you really need to try and calculate how much money you will need to have invested to create a decent stream of income for thosee post-work years. Then, we take your questions:
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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