Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1096: Investing Near the Ceiling Jan 30, 2023

Show notes

The news can be disconcerting and push us to react emotionally. What should you do just in case the US government defaults on its debut? Why do you keep making horrible investing decisions? What is driving the huge disparity in savings rates?
Then a lot of you get in touch:
First, the old "...what should I do with this money?" question addressed.
How can money be moved from an employer retirement plan?
How do you find a safe online bank?
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Ep. 1095: Weekend Special: Tom with Bill Conerly Jan 28, 2023

Show notes

Tom loves interviews. Now that he's figured out the technical aspects of creating them, look for more weekend specials featuring prominet money guests.
This weekend, Tom spends time with Bill Conerly, PhD discussing the possible economic future, why highre rates were needed, the future of unemployment, and much more.
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Ep. 1094: Q (and A) Day Jan 27, 2023

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In today's Q&A session:
Is earned income needed to roll 529 money into a Roth IRA?
Where is the best place to park emergency money?
Are Wisdom Tree core portfolios sensible portfolio additions?
After going to cash in 2019, what should I do now?
What do we think of Betterment and how should he get help for his mom?
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Ep. 1093: Destructive Overconfidence Jan 26, 2023

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The vast majority of people believe themselves to be above average. That is statistically impossible. One area in which you are dangerously overconfident is investing, and it shows.
Then, a listener wonders if he should use some extra income to invest for retirement or pay off a car loan?
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Ep. 1092: Few Worthwhile Innovations Jan 25, 2023

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While Wall Street would like you to think that there are new financial products, being created, all the time, real financial innovations are few and far between. In fact, the last significant change happened exactly 30 years ago, with the creation of the exchange traded fund (ETF).
Then, a listener wonders if it makes sense to keep 30 inherited individual stocks to collect the dividends.
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Ep. 1091: Expensive Lessons Jan 24, 2023

Show notes

Most of us don't know what we don't know about money and investing. That lack of knowledge can be more costly that you can imagine. Getting financially educated is hard and yet essential for your future. How much do you pay for investments? Do you really know?
Listeners want to know:
Does an individual TIPs ladder make sense for portion of a portfolio?
What should a real estate investor do with new money?
Why her experience with Social Security benefit delays does not add up to 8% per year?
How do the returns of the Merriman 10 fund portfolio compare to 2 or 3 fund portfolios?
What do we think of a friend's advice to move from a target-date fund to a money market fund?
Where do we suggest a mix of investment accounts be consolidated?
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Ep. 1090: How Should You Invest in a...? Jan 23, 2023

Show notes

Everyone wants to know how how to invest for the next... whatever. Many, included one of the most famous "stopped clocks" of all time, Robert Kyosaki, want you to believe they know. In fact, we do know how to invest for a recession and everything else. It's just pretty boring.
Listeners want to know:
Which Vanguard ETF is the same as the Total Bond Index fund?
What changed to make us prefer ETFs over mutual funds?
Which site do we use to look up securities?
What are our thoughts about SCHD (a Schwab dividend fund)?
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Ep. 1089: Q&A: Broker Fees, ETFs vs MFs, CDs vs. Ts Jan 20, 2023

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Today, Don starts the Q&A edition with a powerful follow-up from a past caller. Then, it's on determining a brokers fees, the differences between exchange-traded funds and mutual funds, a portfolio allocation check, and the best income ladder building materials: CDs, Treasuries, or TIPS?
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Ep. 1088: The Best Retirement Age? Jan 19, 2023

Show notes

The French are rioting over a proposal to raise the national retirement age from 62 to 64. The US may need to raise the full retirement age beyond 67. When should you retire and how should you plan for it?
A listener wants to know how to get into the financial advice business.
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Ep. 1087: How to Dump Debt Jan 18, 2023

Show notes

Is the avalanche better than the snowball? Paying off debt can be challenging. What's the best way to get out? Plus, a listener finds that giving up control is hard to do.
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