A lively, unscripted listener Q&A episode with no set topic — just a flood of great questions. Don and Tom tackle everything from inheriting farmland to the hidden cost of medical inflation, tax-efficient short-term investments, Ameriprise conflicts of interest, fund turnover ratios, and a heartfelt tribute to the late Jonathan Clements, a true pioneer of rational investing journalism. Plenty of wit, warmth, and straight talk about money — plus a personal moment of honesty from Tom about life, loss, and gratitude.

0:04 Cold open: “A show with no topics” banter and weather humor

2:07 Angie from St. Paul: Inheriting farmland — hold or sell?

6:04 Anton from Spokane: Medflation’s impact on Social Security COLA and Medicare premiums

10:45 Jason from Tigard: SPAXX vs. SGOV — which is better for short-term cash?

13:35 Ameriprise client: Should I use an SMA or fire my advisor?

18:41 Luke from Evans, GA: ETF turnover and what it really means

23:25 Tribute to Jonathan Clements — his life, legacy, and impact on index investing

27:10 Personal reflections, audience appreciation, and gratitude from Tom

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