Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1206: Our Own Worst Enemy Jul 10, 2023

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"Do as I say, not as I do," Many in the financial advice business epitomize this aphorism. A few are brave enough to admit that they fail to follow their own good advice. One of those is Christine Benz from Morningstar. Why do we fail to follow what we know to be good financial advice? That's up for discussion in this episode.
Callers want to know:
Is there a better parking place for a future home down payment?
Do you need an emergency fund in retirement?
Can money be moved from a regular IRA into a gold IRA?
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Ep. 1205: Red Hot Qs Jul 07, 2023

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On this week's Friday Q&A:
Vanguard has made another customer angry with their $25 fee and they want to know how to move.
Do these two ETFs provide enough diversification?
After one year in a Kai-Zen Trust, a disillusioned buyer wants to know if he should continue funding it.
What do we think of Dave Ramsey's advice to take Social Security payments at age 62?
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Ep. 1204: Student Debt: What Now? Jul 06, 2023

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With the US Supreme Court ruling against the student loan, elimination plan, what can students do now to help reduce the burden of their education debt? Plus, we talk about special people and their special financial treatment.
Then, listeners ask:
Should they go ahead and annuitize a variable annuity or move it into an IRA
Is this work 401(k) plan diversified enough?
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Ep. 1203: Finally, Good Money News Jul 03, 2023

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In this episode, we share the surprisingly good returns for 2023 so far and what it means going forward. Then we share a terrible way to find a fiduciary investment advisor and why it’s so hard to find high-quality financial advice.
Callers ask about the following:
Flexible withdrawals in retirement planning. We explain how withdrawing a reasonable percentage each year can provide a sustainable income.
Using QLACs (qualified longevity annuity contracts) as a means to avoid RMDs (required minimum distribution).
What are value stocks, and how are they more aggressive?
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Ep. 1202: Last June Day Q&A Jun 30, 2023

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In today's Q&A session:
Does it make sense to buy a new home free and clear with the proceeds from the old house?
Which Vanguard bond fund is the best choice?
What are good ETFs in which to start investing overseas?
Are these 401k funds active or passive?
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Ep. 1201: Get More From The Banks Jun 29, 2023

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Lookin' to make 5% on your fixed income investments? With most banks still paying pathetic interest rates, there is a trick to getting substantially more on FDIC-insured CDs.
Then, we hear from you:
What should be done with a portfolio of almost 500 individual bonds?
What investing advice do we have for armed services members?
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Ep. 1200: Little Do They Know Jun 28, 2023

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We are inundated with "expert" financial advice. Is it worth heeding? There are a lot of people who claim to be able to predict the financial future, but they all have one thing in common with plain old us. They CANNOT know the future. So, why bother listening, watching, or reading their advice? Then, we hear from some of you wondering:
If Bitcoin makes simple mathamatical sense as an investment?
What do we think of lightly traded ETFs?
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Ep. 1199: Retirees Biggest Mistakes Jun 27, 2023

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What are the big issues that drain your wealth after you retire? Here are five of the biggest wastes of money in retirement: Housing, health, scams, Social Security, and investing.
Listeners ask:
How can I be sure that my portfolio reflects my core beliefs?
How should money from a condo sale be invested in retirement?
After losing a job is life insurance still needed?
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Ep. 1198: Hard to Lose Everything Jun 26, 2023

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Risk is part of life, but should we really worry about the possibility of losing everything? A 100% loss from your investments is almost 100% avoidable if you stop gambling. You can dramatically increase your chances of total loss with leverage.
Listeners ask:
Is a 6 to 7% esoteric bond product a safe way to create retirement income?
What should be done with five non-income producing real estate investments?
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Ep. 1197: First Summer Day Q&A Jun 23, 2023

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In this episode, Don randomly ends up with a host of similar questions:
Is a tax-managed fund better than an ETF?
Is the tax-advantage enough to justify using a real estate ETF in a taxable account?
Should money be move out of an underperformingAvantis ETF?
Would it be smart to move from target-date funds into better performing ETFS?
What's the best place to park short-term money being used for home construction?
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