Don answers six listener questions covering CD ladders vs. bond funds, global diversification for young investors, allocation shifts for early retirees, HSA documentation rules, 529 plan comparisons, and whether Dave Ramsey-style portfolios need bonds. He closes with practical guidance on holding cash for opportunities and a reminder about the value of disciplined, evidence-based investing.

0:10 Friday Q&A intro and how to send in questions

1:51 Are CD ladders a good replacement for bond funds?

3:37 How to build a disciplined CD ladder and avoid rate-timing mistakes

3:41 A father asks how to diversify his daughter’s Roth IRA beyond VTI

5:48 Couple planning early retirement—asset allocation and 72(t) options

9:41 Why bonds exist: emotional stability vs. return chasing

11:29 The case for international diversification

11:29 Long-term HSA strategy and what to do without old receipts

14:32 How to recreate expense records and save PDFs going forward

15:26 Which 529 plans are best for kids aged 2–12? (Utah vs. Schwab)

17:28 Dave Ramsey investing myths and the real purpose of bonds

20:36 When to start adding bonds—take the Talking Real Money risk quiz

21:00 Where to park six-figure cash for car or property purchases

22:46 Short-term safety vs. yield trade-off

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