Talking Real Money - Investing Talk

Talking Real Money - Investing Talk

Don McDonald

Simple, sensible advice of making, saving, investing, and protecting your money.

23 minutes 25 seconds

Day of Q (and A)
It's Friday:
- 2:05 Pension Account Insights
- 8:10 Transitioning Investment Accounts
- 10:16 Holiday Scam Awareness
- 15:35 Whole Life Policy Concerns
- 19:09 Cryptocurrency and Crime
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17 January 2025, 7:57 pm
26 minutes 16 seconds

Disagree with Dave
We revisit the great retirement date debate:
- 3:16 Critique of Dave Ramsey's Advice
- 3:25 Importance of Social Security Decisions
- 5:34 The Impact of Life Expectancy
- 7:17 Understanding Social Security Payments
- 10:12 Common Reasons for Early Withdrawal
- 12:48 Strategies for Maximizing Benefits
- 13:37 Transition to Listener Questions
- 18:54 Question on Roth IRA Eligibility
- 21:48 Medallion Signature Issues
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16 January 2025, 6:43 pm
45 minutes 31 seconds

Reverse 60/40?
Is 60/40 dead again:
- 0:20 Vanguard's Changing Approach
- 0:26 Stock and Bond Ratios Explored
- 1:57 The Trouble with Market Timing
- 2:38 Vanguard's Advice: A Shift in Strategy
- 3:40 The 60-40 Portfolio Debate
- 4:34 Caller Insights: 401k Strategies
- 5:17 Building a Portfolio for the Future
- 7:27 Target Date Funds vs. Index Funds
- 14:13 Streaming Financial Education
- 14:45 Accessing Financial Conferences
- 15:51 The Importance of In-Person Events
- 18:30 Evaluating Mortgage Payoff Decisions
- 19:41 Navigating Social Security Benefits
- 32:49 Simplifying Investment Strategies for New Investors
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15 January 2025, 8:33 pm
44 minutes 58 seconds

Looking Back
We look for lessons from the last 100 years:
- 5:10 Stock Market Trends and Historical Returns
- 9:47 Preparing for Future Market Downturns
- 12:57 Navigating Social Security Benefits
- 19:31 Buying a New Car: Cash vs. Financing
- 19:46 The Confusion of Financial Information
- 23:12 Social Security Planning and Inflation
- 24:27 Understanding Required Minimum Distributions
- 29:13 Strategies for Risk Management in Retirement
- 32:09 Roth Conversions and Tax Planning
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14 January 2025, 7:49 pm
31 minutes 41 seconds

Easy Being Wrong
Today, let's talk about "expert" forecasts:
- 0:32 Introduction to Predictions
- 3:30 Wall Street's Flawed Forecasts
- 7:13 The Problem with Market Timing
- 11:56 Long-Term Investment Strategies
- 14:52 Understanding Economic Indicators
- 17:38 Market Trends and Personal Finances
- 20:18 Universal Savings Accounts Explained
- 23:33 Retirement and Saving Challenges
- 23:48 Upcoming Events and Announcements
- 27:58 Personal Anecdotes and Company Insights
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13 January 2025, 8:49 pm
27 minutes 51 seconds

A Whole Lot of Qs
Ah. Things are back to normal:
- 2:52 Retirement Discrepancies Explained
- 5:08 Understanding Collective Investment Trusts
- 9:01 Holding Funds for Roth Contributions
- 11:33 Top Five ETFs Revealed
- 14:42 Options Beyond Roth IRAs
- 17:38 Evaluating Active vs. Passive Management
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10 January 2025, 8:31 pm
27 minutes 55 seconds

Greater Financial Clarity
In today's episode of TRM:
- 1:58 Market Trends of 2024
- 3:44 Federal Reserve Decisions and Predictions
- 6:38 Global Economic Factors
- 8:19 The Rise of Cryptocurrency
- 11:08 Corporate Dominance and AI
- 13:22 Investment Strategies for 2025
- 15:23 Listener Questions and Financial Advice
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9 January 2025, 8:27 pm
45 minutes 37 seconds

Take a Pass on Pitches
In today's show:
- 1:35 The Problem with Financial Pitches
- 3:43 The Rise of ETFs
- 5:55 The Bitcoin ETF Concern
- 11:21 Insurance Strategies and Tips
- 14:12 The Importance of Investment Vehicles
- 16:22 Transitioning from Robo-Advisors
- 25:00 Managing Cash Positions in Portfolios
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8 January 2025, 10:02 pm
45 minutes 28 seconds

New Opportunities
In this episode:
- 2:40 New Year, New Financial Resolutions
- 5:16 Setting Concrete Financial Goals
- 8:41 Strategies for Financial Success
- 14:11 Listener Questions and Financial Advice
- 15:26 Planning Retirement Income Streams
- 17:32 Managing Fixed Income Investments
- 28:49 Consolidating Retirement Accounts
- 35:35 Vanguard Proxy Voting Discussion
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7 January 2025, 8:05 pm
23 minutes 29 seconds

Big BetCoin
In today's episode:
- 0:34 Irrational Exuberance Redux
- 1:52 The Rise of Bitcoin
- 3:05 Larry Fink's Shift
- 5:09 MicroStrategy's Bitcoin Strategy
- 7:38 The Use Cases of Crypto
- 9:52 Banking the Unbanked
- 10:56 The Speculative Nature of Crypto
- 13:06 401k Plans and Financial Advice
- 16:45 Returning to Crypto
- 19:08 The Dark Side of Crypto
- 19:54 Closing Thoughts and Questions
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6 January 2025, 8:57 pm
44 minutes 32 seconds

Old is New
In this new year episode:
- 0:51 New Year, New Perspectives
- 3:09 Economic Concerns and President Trump's Inauguration
- 6:46 Investment Strategies for Baby Boomers
- 7:49 Listener Questions Begin
- 19:10 Transition to Investment Accounts
- 21:02 Time Shifting and Quantum Radio
- 21:29 Diversifying Your Assets
- 28:40 Real Estate Investment Trusts (REITs)
- 29:10 Taxes and Moving Abroad
- 37:57 Fiduciary Responsibilities and Conflicts
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3 January 2025, 8:51 pm
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