Show Notes
Required minimum distributions don’t have to trigger a fire sale. Don explains how an in-kind transfer can move an investment from an IRA to a brokerage account while preserving the holding and resetting its cost basis. Then it’s back to school: a cut-off Coverdell question, the unusual strength of the TSP G Fund, and a surprisingly useful 4% money market account that can behave a lot like checking. The finale sorts out UTMA 529 rules, beneficiary control, and why a low-cost age-based portf...
More from Talking Real Money - Investing Talk
A little hot pepper can improve a meal. Eating the whole habanero is another experience entirely. Can the same be said for your portfolio? Don and Tom explore why small-company, value, and profitability tilts have historically rewarded investors—and why chasing those higher returns can demand more patience than most people have. A strategy that looks terrific over decades can feel unbearable while it trails the market for years. The question is how much you can actually stick with. Plus, a li...
Indexed annuities promise market-like gains without market losses—but Don and Tom explain how commissions, surrender charges, spreads, participation rates, and even changing contract terms can leave investors with disappointing returns and very little transparency. They also discuss how much cash belongs in a retirement “reservoir,” why falling bond prices do not make high-quality bonds riskier than stocks, and how MYGA tax deferral works through a 1035 exchange. 01:31 Musical royalties and...
Don and Tom dismantle the idea that investors need to choose one narrow “style.” Growth, value, small companies, momentum, and passive investing are ingredients—not competing identities—and the sensible answer is a globally diversified, low-cost portfolio built to work together. They also answer questions about arranging stocks and bonds across a Roth and rollover IRA, helping a late-starting saver use a 403(b) and Roth IRA, and whether a 30-year Treasury yielding more than 5% is really a sa...
The “Buggy Whip Theory” is a reminder that even when investors correctly see the future coming, they rarely know which company—or which part of a new industry—will actually win. Don and Tom trace the lesson from ice delivery and buggy whips to streaming, airlines, and artificial intelligence. They also explain why rebalancing is portfolio maintenance rather than market timing, what falling municipal-bond prices really mean, and how to calculate international exposure as a percentage of the s...
Episode 2001 begins a new millennium of money questions—with Don sorting out the numbering before tackling inherited IRAs, CD ladders, Roth conversions, workplace retirement plans, Warren Buffett’s famously simple portfolio advice, and capital-gains harvesting for children. The common thread is simplicity with enough diversification and tax planning to avoid expensive surprises. 01:07 Welcome to Episode 2001 04:27 Simplifying inherited IRAs 09:13 Building an automatic CD ladder 11:46 Roth c...