Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1076: Simply Unpredictable Jan 03, 2023

Show notes

Every year about 133 million babies are born. Is there any way to predict which of them will die famous enough to make the TV retrospectives? Of course not. Do you believe you can predict when the investment markets will rise again (and fall again, thereafter)? Then, the phones light up:
Does it make sense to use a regular 403b to help reduce income enough to qualify for a Roth IRA?
What's the best way to own bonds in a portfolio?
Is there reason to be concerned about market volatility during a transfer from a work plan to a private IRA?
What might happen with Central Bank Digital Currencies?
Does an investor need multiple bond funds?
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Ep. 1075: How to Save in 2023 Jan 02, 2023

Show notes

Tom and Don look at your top financioal resolutions and what they believe you should do to start growing your wealth. Plus, we take a question:
Why do we prefer total market funds as opposed to a US dividend funds?
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Ep. 1074: Financial Fee Blindness Dec 30, 2022

Show notes

Most people have no idea how much they are paying for their investments and investing advice. In this case what you don't know can really hurt you in the future. Plus Tom gets a surpriningly larger number of holiday calls:
One listener call him out for using the show to get out of holiday choses and also seeks advice on fixing a bad mortgage loan.
Another wants to know more about tax-loss harvesting.
One caller wants to talk about qualified charitable distributions (QCDs).
Tom helps figure out how to transfer old work retirement plans.
Finally, he takes a question on the impacts of an inheritance.
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Ep. 1073: Almost Alone on Christmas Eve Dec 29, 2022

Show notes

With Don on vacation, Tom shares a semi-poetic ode to his absent co-host. He discusses 401k auto-enrollment. ConsumerMan, Herb Weisbaum stopes by to discuss protecting your wealth during the holidays. Are mortgage buy downs worthwhile?
Plus, some holiday callers arrive:
The first "caller" looks for help dealing with violent holiday financial discussions (sort of).
What should be done with a multiple stock portfolio?
In 2023, should an employee take advantage of new Roth 401k matching?
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Ep. 1072: 4% Rule Resurrected Dec 22, 2022

Show notes

After recently declaring the 4% withdrawal rule dead, Morningstar has decided it's still kicking out income.
A listener wonders if the Paul Merriman two-fund portfolio is a sensible way to go?
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Ep. 1071: Real Estate Tapped Out? Dec 21, 2022

Show notes

Home prices rise and they fall. Those fluctuations are not predictable. With prices down recently, should you be a buyer or a seller? Plus, house flippers took s betaing in 2022.
A listener wants to know if it makes more sense to contribute more to a regular pre-tax retirement account?
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Ep. 1070: Big Bucks, No Risk, Big Lie Dec 20, 2022

Show notes

Those who sell "the return of the market, with no risk" is a bald-faced lie. Indexed annuities by any name can't possibly deliver what they promise. That makes those most (if not all) of those who sell them liars. The story of Disney's mismanagement shows just how scary individual stocks can be. Plus, we discuss the best performing stock of 2022.
Then we hear from listeners:
Should his financial advisor be fired and replaced by a target-date fund?
Should she buy an energy ETF to replace her energy mutual fund?
What do we think of brokered CDs?
What should be done with retirement assets as the market has done so badly?
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Ep. 1069: Stop Fooling Yourself Dec 19, 2022

Show notes

We lie to ourselves about our prognosticative abilities. We remember making market predictions that were wildly different than we actually did. Plus, retail stock traders have had a very bad year.
Listeners ask:
How to get into an inexpensive small cap value fund?
When we say "risk," don't we really mean volatility?
How can listeners hear our Saturday radio show after it airs?
Are total market funds appropriate for an 50+ investor?
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Ep. 1068: Drip, Dripping Away Dec 16, 2022

Show notes

Tom and Don discuss those perpetual online subscriptions. They are good for businesses and often terrible for you. Find out how the regain control and slow the money leaks.
Plus, a listener wants to know about an insurance policy being offered by a commissioned "financial adviser."
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Ep. 1067: One Unhappy Listener Dec 15, 2022

Show notes

For some reason one listener really dislikes Don (he's fine with Tom). He disagrees with so much – CBDCs, bonds, cryptocurrencies – that we made an episode of it.
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