Talking Real Money - Investing Talk

A Fool and His Money...


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In this classic swirl of candor, humor, and financial sense, Don and Tom tackle the human habit of financial foolishness—from betting big on speculative ETFs to ignoring global diversification. They call out the irony of investment products like ELON, roast the current state of the Motley Fool, and offer real-world perspective on international investing, market timing myths, and retirement portfolio design. They even sprinkle in a few thesaurus gems for good measure.

  • 0:04 Welcome and warning: this episode is full of tangents, tomfoolery, and truth
  • 0:48 Netflix documentary detour: why are people (and investors) so dumb?
  • 2:01 International investing: why people ignore it and why that’s… dumb
  • 3:49 U.S. vs international returns in early 2025—surprise! It’s not all about the S&P
  • 5:16 Market irony and the value of global diversification
  • 6:09 A disappointing turn from The Motley Fool (and a very public grudge)
  • 6:59 Enter the ELON ETF—double Tesla, short Ford, and down 64%
  • 9:41 What happens when leverage meets marketing in the worst way
  • 11:10 A $750K fund that made… $675 in fees. Yep.
  • 11:57 Foolish investor behaviors: feelings ≠ foresight
  • 13:37 The (simple) path to real investing: low-cost, tax-efficient, diversified portfolios
  • 14:28 Punchline investing: don’t be a dunce—be global, be patient
  • 15:52 Listener Q: Is my mix of S&P 500, TDFs, and Roth diversification enough?
  • 17:26 Portfolio allocation advice: stock/bond mix first, account strategy second
  • 19:28 Suggestion: get a professional plan before retirement
  • 20:00 Buffered ETFs: what they are, why they’re pricey, and why they disappoint
  • 23:22 Returns reality check: buffered funds vs plain S&P 500
  • 24:47 The big lie of hedged products—"all the upside, none of the risk"
  • 25:19 Wrapping up with more Q&A, grandkids, and international call jokes
  • 29:33 Tom’s latest investment: soccer team ownership (yes, really)

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    Talking Real Money - Investing TalkBy Don McDonald

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