CORRECTION: During the 13:45 caller, I gave erroneous advice on the withdrawal rules for an inherited IRA. Given that this was his father’s IRA, he is not eligible to wait until the end of the 10-year period. So he will need to distributions and, then, make a charitable gifts. -Don

Don tackles a stack of listener questions in this rapid-fire Friday Q&A, covering what a financial plan should cost, how tipping might work in a cashless future, and how to fine-tune a retirement portfolio with Avantis funds. He also addresses important estate planning steps after a death, how to use QCDs with inherited IRAs, and whether AUM fees are worth it compared to hourly planners. Along the way, he reflects on why he still manages his own money—and maybe shouldn’t.

0:04 Intro to Friday Q&A and how listener questions are selected

2:12 What should a detailed retirement plan cost? Median price range explained

4:33 How will we tip in a cashless society? From bellboys to Bitcoin to Apple Pay

7:39 Listener portfolio check: 85% AVGE, 10% AVUV, 5% AVDV—too tilted?

11:36 Credit after death: Should an executor notify the credit bureaus? Yes—and how

13:45 Inherited IRA RMD workaround: Can QCDs help avoid taxes before age 70½?

17:02 AUM fees vs. flat-fee advisors: Is paying more for more assets fair?

25:51 Why Don still manages his own money (for now)—inertia, taxes, and habits

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