Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1376: Financial Faux Pas Mar 20, 2024

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In this episode, we share several of the biggest blunders that keep us from building the wealth we need for the future. Learn how to be a better investor with some really simple lifestyle and investing tweaks. Plus, we hear from our listeners:
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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Ep. 1375: Playing It Too Safe? Mar 19, 2024

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Americans have a lot of money in cash, earning essentially nothing. Others are happy earning a nice, safe 5% on short-term CDs and bonds. Yet, we could be shortchaging ourselves in the future by not investing properly. Don shares more details on his summer Talking Real Money Road Trip and we discuss the ramifications of the commission settlement by Realtors. Then, on to listeners phone calls:
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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Ep. 1374: Biggest Wealth Destroyers Mar 18, 2024

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Sometimes the hottest investments end up turning icy cold. Today, we share some of once exciting investments that destroyed much of their investors wealth. Plus, listeners join in to discuss:
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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Ep. 1373: Questions and Crypto's End Mar 15, 2024

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We want to answer everyone's questions, without exception, However, every once in awhile a "trolll" takes advantage of our desire to present all sides of an issues. So, to be fair, I give the same listener three "last words" on crypto, before ending his participation. Then:
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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Ep. 1372: Financial Jealousy Mar 14, 2024

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The desire to "keep up with the Joneses" is ingrained in is. However, the result of financial envy can be disastrous. Discover why you need to avoid money jealousy. Plus, listeners ask:
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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Ep. 1371: Wait for Stocks to Fall? Mar 13, 2024

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With the stock markets at "all-time highs," should you wait a while before investing? In essence, can you accurately time the market? Then a bunch of listeners call in:
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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Ep. 1370: Free Usually Isn’t Mar 12, 2024

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After experiencing some radio show technical problems, Tom and Don discuss the shockingly large percentage of your money that goes to Wall Street firms and why should be wary of alternative investments. Then, they bemoan the lack of financial literacy education and the horrible sales pitch passed of as education. Plus, a subject of a financial advisor profile lies about the fees he charges. Listeners chime in:
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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Ep. 1369: Question Overload Mar 11, 2024

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With Retiremeet, question flow increased. So, we added a special Monday Q&A Edition with Tom and Don.
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Ep. 1368: Questions, Comments, Crypto. Mar 08, 2024

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This week:
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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Ep. 1367: Teen Investing Power Mar 07, 2024

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Today, we swim against our demographic and address the issue of teengae investing. Don't you wish you would have started investing 30, 40, or even 50 years ago? Today, it's easier than ever to invest while young and we share some thoughts on starting early. Plus, listeners ask:
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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