Don answers listener questions on funding a taxable brokerage account, clarifies what “more buyers than sellers” really means, explains why fixed income is about psychology rather than income, gives advice on setting up joint accounts for aging parents, lays out a lifetime HSA allocation strategy, and clears up confusion about Appella Wealth’s connection to Talking Real Money.

0:04 Friday Q&A intro and thanks for listener questions

1:19 When to open a taxable brokerage account (AVGE + SGOV mix)

3:28 “More buyers than sellers” — why it’s really about demand vs. supply

6:23 Whether pension + Social Security counts as “fixed income” in a 60/40 plan

10:40 Setting up money market accounts and estate planning for aging parents

14:07 Lifetime HSA strategy — contributions, withdrawals, and allocation glidepath

17:32 Is Appella Advice for Life connected to Talking Real Money?

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