Don laments the shortage of voice-submitted questions for the Friday Q&A shows and urges listeners to speak their questions into their phones or computers instead of typing them. He answers four listener questions: whether to take a pension lump sum or annuity, whether to roll a 401(k) into an IRA and how much to keep saving with a union pension, a callout about financial jargon (especially “basis points”), and whether stocks are as speculative as cryptocurrency. Don emphasizes that the annuity option is unusually generous, consolidating accounts can simplify rebalancing, saving as much as possible remains wise, and owning the entire global economy through diversified funds is investing, not speculation.

0:09 Don bemoans typed questions and encourages listeners to use voice submission

2:16 Listener asks about lump-sum pension vs. annuity — Don leans strongly toward annuity

6:05 Listener asks about rolling over a 401(k) to an IRA and whether to keep contributing — Don favors consolidation and continued saving

9:00 Caller criticizes jargon like “basis points” — Don defends term as shorthand but explains its meaning

12:04 Caller compares stocks to crypto — Don explains why diversified global stocks are investing, not speculation

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