Talking Real Money - Investing Talk
Episodes
Fastest Home Fill-Ups
20 Dec 2023
Contributed by Lukas
Where in the country has home equity risen most and least? What can you do to tap that hidden wealth? Does a HELOC or reverse mortgage make sense? Doe...
Fastest Home Fill-Ups
20 Dec 2023
Contributed by Lukas
Questions? Comments?Where in the country has home equity risen most and least? What can you do to tap that hidden wealth? Does a HELOC or reverse mort...
Wait… Stocks Have Risen?
19 Dec 2023
Contributed by Lukas
Don finally peeked at his brokerage statement and was pleasantly surprised. His portfolio finally made money. Did yours? We talk about the investment ...
Wait… Stocks Have Risen?
19 Dec 2023
Contributed by Lukas
Questions? Comments?Don finally peeked at his brokerage statement and was pleasantly surprised. His portfolio finally made money. Did yours? We talk a...
Start Investing Sooner
18 Dec 2023
Contributed by Lukas
In this episode, we talk about some of the steps you should take well before retirement to get your financial house in order. We discuss money-saving ...
Start Investing Sooner
18 Dec 2023
Contributed by Lukas
Questions? Comments?In this episode, we talk about some of the steps you should take well before retirement to get your financial house in order. We d...
Pre-Christmas Question Day
15 Dec 2023
Contributed by Lukas
The questions may not be festive, but they're important, and Don answers them: How should assets be allocated across different types of accounts? Wh...
Pre-Christmas Question Day
15 Dec 2023
Contributed by Lukas
Questions? Comments?The questions may not be festive, but they're important, and Don answers them:How should assets be allocated across different...
When Managers Go Away
14 Dec 2023
Contributed by Lukas
Another problem with actively managed mutual funds is the mortality of managers. What happens if you rely on the incredibly rare, super-smart, practic...
When Managers Go Away
14 Dec 2023
Contributed by Lukas
Questions? Comments?Another problem with actively managed mutual funds is the mortality of managers. What happens if you rely on the incredibly rare, ...
Real Investing is Hard
13 Dec 2023
Contributed by Lukas
A new academic study concludes that you might be better off avoiding bonds. Tom and Don discuss whether a strategy that potentially risky makes sense ...
Real Investing is Hard
13 Dec 2023
Contributed by Lukas
Questions? Comments?A new academic study concludes that you might be better off avoiding bonds. Tom and Don discuss whether a strategy that potentiall...
Stop Hurting Yourself
12 Dec 2023
Contributed by Lukas
We keep making damaging financial mistakes. Are you ready to manage your money better and actually invest? We hear from listeners: Can iBonds be tran...
Stop Hurting Yourself
12 Dec 2023
Contributed by Lukas
Questions? Comments?We keep making damaging financial mistakes. Are you ready to manage your money better and actually invest? We hear from listeners:...
Bitcoin and Gold Heat Up
11 Dec 2023
Contributed by Lukas
The price of both Bitcoin and gold have soared recently. Has anything changed that might make them attractive investments? Plus, there is more evidenc...
Bitcoin and Gold Heat Up
11 Dec 2023
Contributed by Lukas
Questions? Comments?The price of both Bitcoin and gold have soared recently. Has anything changed that might make them attractive investments? Plus, t...
Cool Days Q&A
08 Dec 2023
Contributed by Lukas
After Don grumbles about the length of the holiday season, he goes on to answer listeners questions: Does it make sense to use a 529 Plan to make fut...
Cool Days Q&A
08 Dec 2023
Contributed by Lukas
Questions? Comments?After Don grumbles about the length of the holiday season, he goes on to answer listeners questions:Does it make sense to use a 52...
Avoiding Bad Advice
07 Dec 2023
Contributed by Lukas
Investing "professionals" run the gamut from highly skilled and honest to truly dangerous. How can you avoid the mediocre to crooked financial advice ...
Avoiding Bad Advice
07 Dec 2023
Contributed by Lukas
Questions? Comments?Investing "professionals" run the gamut from highly skilled and honest to truly dangerous. How can you avoid the mediocr...
Unexpected Taxable Events
06 Dec 2023
Contributed by Lukas
The end of the year often brings mutual fund investors an unpleasant surprise that can raise taxes; the realized capital gains distribution. How can y...
Unexpected Taxable Events
06 Dec 2023
Contributed by Lukas
Questions? Comments?The end of the year often brings mutual fund investors an unpleasant surprise that can raise taxes; the realized capital gains dis...
Lifelong Income Strategies
05 Dec 2023
Contributed by Lukas
What's the best way to create a retirement income stream from your investment portfolio. Today, Tom and Don share four popular income strategies. Then...
Lifelong Income Strategies
05 Dec 2023
Contributed by Lukas
Questions? Comments?What's the best way to create a retirement income stream from your investment portfolio. Today, Tom and Don share four popula...
Pensions Staging Comeback?
04 Dec 2023
Contributed by Lukas
Once thought to be nearly extinct (except for government workers), some major employers are bringing back the old fashioned pension plan. Does the app...
Pensions Staging Comeback?
04 Dec 2023
Contributed by Lukas
Questions? Comments?Once thought to be nearly extinct (except for government workers), some major employers are bringing back the old fashioned pensio...
A Lot of Questions
01 Dec 2023
Contributed by Lukas
In todays's Q&A session: Which funds should be used in a 403b? Thanks for the podcast. How much of fixed income should be in inflation hedges? How...
A Lot of Questions
01 Dec 2023
Contributed by Lukas
Questions? Comments?In todays's Q&A session:Which funds should be used in a 403b?Thanks for the podcast.How much of fixed income should be in...
And the Winners Are...
30 Nov 2023
Contributed by Lukas
A recent list of "the best mutual funds" is best ignored. The funds prised in this piece are not great funds, just a few that got lucky by being in t...
And the Winners Are...
30 Nov 2023
Contributed by Lukas
Questions? Comments?A recent list of "the best mutual funds" is best ignored. The funds prised in this piece are not great funds, just a fe...
Seen the Light?
29 Nov 2023
Contributed by Lukas
Most know him as the "Wolf of Wall Street." After ripping on investors for millions of dollars, Jordan Belfort claims to have "seen the light" and now...
Seen the Light?
29 Nov 2023
Contributed by Lukas
Questions? Comments?Most know him as the "Wolf of Wall Street." After ripping on investors for millions of dollars, Jordan Belfort claims to...
Dave Promises Big Bucks
29 Nov 2023
Contributed by Lukas
Forget the 4% rule, Dave Ramsey wants you to believe that you can take an 8% annual income from an American Funds (or other broker-sold) portfolio. We...
Dave Promises Big Bucks
29 Nov 2023
Contributed by Lukas
Questions? Comments?Forget the 4% rule, Dave Ramsey wants you to believe that you can take an 8% annual income from an American Funds (or other broker...
Financial Illiteracy
27 Nov 2023
Contributed by Lukas
A new study of Americans financial knowledge shows that a sizable portion of us are woefully uniformed about financial matters. Tom and Don share the ...
Financial Illiteracy
27 Nov 2023
Contributed by Lukas
Questions? Comments?A new study of Americans financial knowledge shows that a sizable portion of us are woefully uniformed about financial matters. To...
Work Plans Losing
22 Nov 2023
Contributed by Lukas
This is the last show of Thanksgiving week, as Tom and Don are taking time off. In the episode, we discuss the many problems with 401k and 403b plans ...
Work Plans Losing
22 Nov 2023
Contributed by Lukas
Questions? Comments?This is the last show of Thanksgiving week, as Tom and Don are taking time off. In the episode, we discuss the many problems with ...
So Few Houses
21 Nov 2023
Contributed by Lukas
Today, we talk about the biggest reason housing prices have stayed so high in a period of rising rates. We also consider the right time to sell a home...
So Few Houses
21 Nov 2023
Contributed by Lukas
Questions? Comments?Today, we talk about the biggest reason housing prices have stayed so high in a period of rising rates. We also consider the right...
Want to Pay Less?
20 Nov 2023
Contributed by Lukas
If you want to reduce the amount you pay the IRS in 2024, there are several things you can do before the year is up to reduce your tax burden. If you ...
Want to Pay Less?
20 Nov 2023
Contributed by Lukas
Questions? Comments?If you want to reduce the amount you pay the IRS in 2024, there are several things you can do before the year is up to reduce your...
Pre-Turkey Q&A
17 Nov 2023
Contributed by Lukas
In this episode, Don addresses the following: Why should a portfolio be rebalanced regularly? Is a state teacher's pension pre-tax money or can it b...
Pre-Turkey Q&A
17 Nov 2023
Contributed by Lukas
Questions? Comments?In this episode, Don addresses the following:Why should a portfolio be rebalanced regularly?Is a state teacher's pension pre-...
Are Advisors Obsolete?
16 Nov 2023
Contributed by Lukas
As AI grows exponetially more knowledgable, are investors ready to move from human to many investing advice? Are there skills that people have that ar...
Are Advisors Obsolete?
16 Nov 2023
Contributed by Lukas
Questions? Comments?As AI grows exponetially more knowledgable, are investors ready to move from human to many investing advice? Are there skills that...
Most Don't Know
15 Nov 2023
Contributed by Lukas
When Tom finally sits down with the finance guy to buy his car, he is pitched a bunch of extra warranties and given some terrible investing advice. So...
Most Don't Know
15 Nov 2023
Contributed by Lukas
Questions? Comments?When Tom finally sits down with the finance guy to buy his car, he is pitched a bunch of extra warranties and given some terrible ...
World of Opportunities
14 Nov 2023
Contributed by Lukas
With U.S. stock prices running hot versus the rest of the world, could your portfolio benefit from more international stocks? Tom and Don share some n...
World of Opportunities
14 Nov 2023
Contributed by Lukas
Questions? Comments?With U.S. stock prices running hot versus the rest of the world, could your portfolio benefit from more international stocks? Tom ...
Hedge Fund Fail
13 Nov 2023
Contributed by Lukas
We share yet another example of the premise that luck is behind the success of most professional money managers. A new book portrays Ray Dalio, the fo...
Hedge Fund Fail
13 Nov 2023
Contributed by Lukas
Questions? Comments?We share yet another example of the premise that luck is behind the success of most professional money managers. A new book portra...
Four Q Day
10 Nov 2023
Contributed by Lukas
This Friday, Don answers questions about: How many beneficiaries of a 529 plan can transfer $35,000 into a Roth IRA? Does a micro-cap fund have a pl...
Four Q Day
10 Nov 2023
Contributed by Lukas
Questions? Comments?This Friday, Don answers questions about:How many beneficiaries of a 529 plan can transfer $35,000 into a Roth IRA?Does a micro-ca...
A Mere Million?
09 Nov 2023
Contributed by Lukas
The average American family’s net worth has risen to 1 million dollars, yet few of us have the money for a $500 million yacht. However, there are 16...
A Mere Million?
09 Nov 2023
Contributed by Lukas
Questions? Comments?The average American family’s net worth has risen to 1 million dollars, yet few of us have the money for a $500 million yacht. H...
Working in Retirement
08 Nov 2023
Contributed by Lukas
Retiring later seems like a viable option for those who failed to save enough to afford retirement. What is the reality of working past 65? What are t...
Working in Retirement
08 Nov 2023
Contributed by Lukas
Questions? Comments?Retiring later seems like a viable option for those who failed to save enough to afford retirement. What is the reality of working...
Fiduciary Future?
07 Nov 2023
Contributed by Lukas
After failing several times, the Department of Labor will try again to make all retirement plan advisors act as true fiduciaries. The insurance indust...
Fiduciary Future?
07 Nov 2023
Contributed by Lukas
Questions? Comments?After failing several times, the Department of Labor will try again to make all retirement plan advisors act as true fiduciaries. ...
Rent and Invest?
06 Nov 2023
Contributed by Lukas
Buying a home may not be as smart as renting. Rising interest rates have pushed the cost of home ownership far above the price of renting a similar ho...
Rent and Invest?
06 Nov 2023
Contributed by Lukas
Questions? Comments?Buying a home may not be as smart as renting. Rising interest rates have pushed the cost of home ownership far above the price of ...
T.G.I.F.B.I.A.Q.
03 Nov 2023
Contributed by Lukas
It's Friday, and Don takes your questions: What's with the weird ticker symbols for retirement plan funds? Does it make sense only to fund a mega-ba...
T.G.I.F.B.I.A.Q.
03 Nov 2023
Contributed by Lukas
Questions? Comments?It's Friday, and Don takes your questions:What's with the weird ticker symbols for retirement plan funds?Does it make se...
Small Investors Win?
02 Nov 2023
Contributed by Lukas
Have small investors finally gotten smarter than the market? Using misleading data from Robin Hood, The Wall Street Journal tries to make traders appe...
Small Investors Win?
02 Nov 2023
Contributed by Lukas
Questions? Comments?Have small investors finally gotten smarter than the market? Using misleading data from Robin Hood, The Wall Street Journal tries ...
High Costs of "Free"
01 Nov 2023
Contributed by Lukas
Every year we are inundated with ads for Medicare Advantage plans. So, are there any real advantages and what are the downsides? One caller criticizes...
High Costs of "Free"
01 Nov 2023
Contributed by Lukas
Questions? Comments?Every year we are inundated with ads for Medicare Advantage plans. So, are there any real advantages and what are the downsides? O...
Spike Setbacks
31 Oct 2023
Contributed by Lukas
Don goes it alone for a couple of episodes. It appear that mist of the financial setbacks over the past fifty years have followed periods of rapidly r...
Spike Setbacks
31 Oct 2023
Contributed by Lukas
Questions? Comments?Don goes it alone for a couple of episodes.It appear that mist of the financial setbacks over the past fifty years have followed p...
Fysics: Diversification
30 Oct 2023
Contributed by Lukas
In this episode, we open Don's "good" book, Financial Fysics to the section on the power of a well-diversified investment portfolio. We take some ques...
Fysics: Diversification
30 Oct 2023
Contributed by Lukas
Questions? Comments?In this episode, we open Don's "good" book, Financial Fysics to the section on the power of a well-diversified inve...
403 and Annuity Q-Day
28 Oct 2023
Contributed by Lukas
On today's Q&A show: Why is an attractive-sounding annuity a bad idea? Are there times when a 403b shouldn't be rolled into an IRA? How can someone...
403 and Annuity Q-Day
28 Oct 2023
Contributed by Lukas
Questions? Comments?On today's Q&A show:Why is an attractive-sounding annuity a bad idea?Are there times when a 403b shouldn't be rolled...
Hard to Retire Here
26 Oct 2023
Contributed by Lukas
Far too many Americans fall through the cracks in the U.S. retirement system. In an age of few pensions, many don't invest for retirement and can't su...
Hard to Retire Here
26 Oct 2023
Contributed by Lukas
Questions? Comments?Far too many Americans fall through the cracks in the U.S. retirement system. In an age of few pensions, many don't invest fo...
Whither Interest Rates?
25 Oct 2023
Contributed by Lukas
We discuss the current state of the bond market and the possibilities for the future. Is there any way investors can outguess the bond market (or any ...
Whither Interest Rates?
25 Oct 2023
Contributed by Lukas
Questions? Comments?We discuss the current state of the bond market and the possibilities for the future. Is there any way investors can outguess the ...
60/40 Dead Again?
24 Oct 2023
Contributed by Lukas
Six month's later, the Wall Street Journal contradicts itself in the debate about the efficacy of a 60% stock/40% bond portfolio. Understand how a sho...
60/40 Dead Again?
24 Oct 2023
Contributed by Lukas
Questions? Comments?Six month's later, the Wall Street Journal contradicts itself in the debate about the efficacy of a 60% stock/40% bond portfo...
Is Betting Better?
23 Oct 2023
Contributed by Lukas
Could betting markets predict the future? The evidence shows that the "wisdom of crowds" has been pretty accurate. In finance, they call it "the effic...
Is Betting Better?
23 Oct 2023
Contributed by Lukas
Questions? Comments?Could betting markets predict the future? The evidence shows that the "wisdom of crowds" has been pretty accurate. In fi...
Many Questions and Answers
20 Oct 2023
Contributed by Lukas
This week: Why do we like the Utah 529 Plan? Should BND be sold to create a ladder even if it's down? Why don't we mention M1 Finance? What do we ...
Many Questions and Answers
20 Oct 2023
Contributed by Lukas
Questions? Comments?This week:Why do we like the Utah 529 Plan?Should BND be sold to create a ladder even if it's down?Why don't we mention ...
Annuities Are Sold...
19 Oct 2023
Contributed by Lukas
Because they are so popular with financial salespeople, we need to talk about the confusing world of annuities. What are they and what are those who s...
Annuities Are Sold...
19 Oct 2023
Contributed by Lukas
Questions? Comments?Because they are so popular with financial salespeople, we need to talk about the confusing world of annuities. What are they and ...
Too Much Cash
18 Oct 2023
Contributed by Lukas
Young investors have a lot of money in cash because they fear the stocks market. Yet, the best time to invest is when you are young because you have t...
Too Much Cash
18 Oct 2023
Contributed by Lukas
Questions? Comments?Young investors have a lot of money in cash because they fear the stocks market. Yet, the best time to invest is when you are youn...
Crypto Sucks...
17 Oct 2023
Contributed by Lukas
How much might Bitcoin appreciate per year? Someone claims to know. Then, a Bitcoin farm can consume the energy of a small city and while the Chinese ...
Crypto Sucks...
17 Oct 2023
Contributed by Lukas
Questions? Comments?How much might Bitcoin appreciate per year? Someone claims to know. Then, a Bitcoin farm can consume the energy of a small city an...
Funding Higher Education
16 Oct 2023
Contributed by Lukas
A special episode devoted to paying for your children's higher education. Appella Wealth college-funding specialist, Jim Femia joins Tpm and Don to sh...
Funding Higher Education
16 Oct 2023
Contributed by Lukas
Questions? Comments?A special episode devoted to paying for your children's higher education. Appella Wealth college-funding specialist, Jim Femi...
Friday is Question Day
13 Oct 2023
Contributed by Lukas
Friday is when Don takes the questions you record at Talking Real Money: Why do Treasury security yields change throughout each day? How do you chec...
Friday is Question Day
13 Oct 2023
Contributed by Lukas
Questions? Comments?Friday is when Don takes the questions you record at Talking Real Money:Why do Treasury security yields change throughout each day...
Friends and Money Don't Mix
12 Oct 2023
Contributed by Lukas
A Washington Post advice columnist suggested firing a financial advisor friend. How can you find the right person to manage your money? Then we hear f...
Friends and Money Don't Mix
12 Oct 2023
Contributed by Lukas
Questions? Comments?A Washington Post advice columnist suggested firing a financial advisor friend. How can you find the right person to manage your m...
Costs of Being Mortgage Free
11 Oct 2023
Contributed by Lukas
There's a lot money tied up in our homes, so should you pay off your cheap mortgage? What are the costs to access all of that money should you need it...
Costs of Being Mortgage Free
11 Oct 2023
Contributed by Lukas
Questions? Comments?There's a lot money tied up in our homes, so should you pay off your cheap mortgage? What are the costs to access all of that...
Dumb and Dumber Money
10 Oct 2023
Contributed by Lukas
The movie "Dumb Money" depicts a small slice of the pandemic meme stock trading stupidity. Today, we discuss trying to time the market and it's simila...
Dumb and Dumber Money
10 Oct 2023
Contributed by Lukas
Questions? Comments?The movie "Dumb Money" depicts a small slice of the pandemic meme stock trading stupidity. Today, we discuss trying to t...