Listener Q&A covering early retirement feasibility, VT vs. SPGM ETF comparison, tax-efficient liquidation of a legacy mutual fund, recommended financial planning resources and Monte Carlo tools, and the pros and cons of laddering target-date funds.

1:36 Can $120K a year work with two pensions and a 7% return?

4:57 VT vs. SPGM — same global reach or hidden differences?

8:58 Selling Grandma’s mutual fund without gifting Uncle Sam

11:44 Best deep-dive planning books and free Monte Carlo tools

15:56 Target-date laddering — smart risk tweak or needless fuss?

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