Talking Real Money - Investing Talk Podcast Por Don McDonald arte de portada

Talking Real Money - Investing Talk

Talking Real Money - Investing Talk

De: Don McDonald
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Financial talk radio veteran, Don McDonald and former host of Serious Money on PBS, Tom Cock, join forces to talk about real money issues. In each episode, they solve real money problems, dole out real investing (not speculating) advice, and really explain the financial issues that effect all of us. Plus, it's actually fun! Talking Real Money is a podcast designed to provide the real help we all need to enjoy a really great future. Call in with your questions anytime at 855-935-TALK (8255).2022 Economía Finanzas Personales
Episodios
  • Investing Reality Check

    Investing Reality Check
    Dec 16 2025
    A classic TRM episode that starts with Tom’s ill-fated attempt to cross a flooded Snoqualmie River (spoiler: no walking on water) and turns into a timely lesson on market returns, diversification, and why comparing your portfolio to headline numbers is usually a mistake. Don and Tom unpack eye-popping 2025 performance across U.S., international, bonds, and small-cap value, warn against recency bias and overpriced active funds, and take several listener calls on Roth conversions, bad custodians, debt forgiveness taxes, and rollover mechanics. The show wraps with Don’s well-earned victory lap for Seasons Readings, now rubbing shoulders with Julie Andrews and Hugh Bonneville in Apple’s fiction charts. 0:04 Tom gets stranded by flooding after a questionable river-crossing idea 1:40 Flood damage reality check and sympathy for displaced homeowners 2:22 Market year-end context and “Dave Ramsey average” returns 3:32 Bond funds surprise with strong year-to-date performance 4:05 International and global funds crush expectations 5:46 Why your return may lag headlines: allocation, costs, and recency bias 6:20 Apples-to-apples portfolio comparisons matter 9:26 Active funds underperforming despite a strong market year 10:47 Global diversification pays off big in 2025 12:04 January prerecorded show tease and holiday logistics 13:25 Seasons Readings featured by Apple Podcasts—downloads explode 15:18 Fiction chart brag: sandwiched between Julie Andrews and Hugh Bonneville 16:25 Listener call: John Hancock IRA, forced conversions, and bad advice 19:06 Why liquidating inside an IRA is not a taxable event 20:17 Exposing high-cost, loaded funds and custodian nonsense 23:35 Listener question: Roth conversions, pensions, and IRMAA timing 26:36 Why “top tax bracket forever” is usually a myth 27:31 Listener call: debt settlement and taxable forgiveness income 30:13 When a 1099-C is a good deal anyway 31:56 Flood-era investment scams and terrible ideas 35:55 Clarifying direct rollovers vs. taking possession of funds 38:13 Roth IRAs for young earners—yes, even pizza money Learn more about your ad choices. Visit megaphone.fm/adchoices
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    45 m
  • Retirement Reality Check

    Retirement Reality Check
    Dec 15 2025
    If you’re nearing retirement and uneasy about the math, you’re not alone. Don and Tom tackle the uncomfortable reality that most near-retirees haven’t actually run the numbers—and many won’t like what they see when they do. Drawing on Vanguard data and real-world client experience, they break down three practical ways to shrink a retirement gap: working longer (but not necessarily full-time), thoughtfully tapping home equity, and spending less before and during retirement. 0:06 Opening and the retirement gap problem 0:52 Podcast platforms, Apple vs Spotify, and Don’s short-story empire 4:08 How TRM ranks among investing podcasts and why that still feels surreal 5:24 Vanguard data: only 40% of near-retirees are on track 6:51 Kids, money, and why retirement math gets uncomfortable fast 7:51 Strategy #1: Working longer (and why part-time can be powerful) 9:41 Purpose, boredom, and the underrated psychology of retirement 10:00 Strategy #2: Home equity as a retirement resource 11:12 Downsizing, renting, HELOCs, and reverse mortgage trade-offs 13:05 Strategy #3: Spending less—before and during retirement 14:29 Reverse mortgage costs, limits, and real-world implications 17:01 Social Security timing and when immediate annuities actually help 18:40 Inflation risk, fixed income streams, and practical trade-offs 19:02 Listener Q: AVGE vs DFAW and understanding underlying holdings 21:48 Listener Q: Aggressive Roth portfolios intended for heirs 25:30 Listener Q: Washington 529 plans and GET vs traditional 529s 27:32 Listener Q: Quantum computing (short answer: no) 28:59 Sector investing, AI hype, and why diversification wins Learn more about your ad choices. Visit megaphone.fm/adchoices
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    33 m
  • Santa's Little As

    Santa's Little As
    Dec 12 2025
    A holiday-flavored Friday Q&A that covers a lot of ground without selling a single candy cane. Don answers listener questions on Medicare vs. Medicare Advantage (and the IRMAA buzzsaw), how to safely reposition an elderly parent’s taxable account, whether to ditch target-date funds for a DIY equity portfolio, how to think about international small-cap ETFs, why teaching kids to pick stocks is a terrible idea, and what to expect when a “free portfolio review” comes from a company whose name literally includes the word annuity. Skeptical, practical, and very on-brand. 0:17 Corny holiday Q&A musical intro and setup 0:33 Friday Q&A format, how questions get on the show, and holiday vibe 2:00 Medicare vs. Medicare Advantage, IRMAA penalties, and why private insurers are exhausting 3:37 Why capital gains can make Medicare shockingly expensive 4:15 The profit motive problem with Medicare Advantage plans 4:37 Question transition and listener call-in reminder 5:43 Managing an 82-year-old’s taxable account: safety vs. yield 6:18 Why bond funds like BND diversify interest-rate risk better than savings accounts 7:15 CD ladders: how they work and why discipline matters 7:39 Treasury funds vs. total bond funds for capital preservation 7:47 Closing thoughts on preservation-focused portfolios 8:52 Target-date funds vs. DIY 401(k) portfolios 9:20 Glide paths, rebalancing, and what target-date funds do well 10:35 100% equity risk, volatility, and why down markets help accumulators 10:53 Choosing between AVDV and AVES (international small value vs. emerging markets) 11:47 Why the correct answer is often “both” 12:33 Teaching high school students about investing 13:52 Why stock-picking education reinforces a dangerous myth 14:28 Luck vs. skill and the evidence against beating the market 15:39 Index funds, market efficiency, and investor behavior 16:49 Morningstar vs. other research tools 17:18 Empower’s “free portfolio review” and what might be coming next 18:06 Portfolio concentration concerns and tech exposure 19:33 Humor break and annuity skepticism 20:55 What Empower actually is and what that implies 21:16 Empower as an RIA and how to treat their recommendations 21:52 Getting a second opinion from a fee-only advisor 22:58 Thanks, holiday wrap-up, and call for more questions Learn more about your ad choices. Visit megaphone.fm/adchoices
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    25 m
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If you like Clark Howard, you'll like this show. It's financial advice given in a calm, relaxed voice. With all of the yelling that goes on these days on radio and tv, it's refreshing to have voices that speak calmly on their subject.

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