Don answers a handful of listener questions, offering sharp, practical insight on investing myths, flexible retirement withdrawals, taxable brokerage accounts, and misleading financial scare tactics. He critiques Suze Orman’s confusing advice, breaks down the logic of the 4% rule, and dismantles a fear-mongering insurance pitch claiming to “save retirement.” Expect sarcasm, clarity, and one well-aimed diatribe at the insurance-industrial complex.

0:04 Summer slowdown in listener questions and podcast downloads

1:21 Don’s theory: why the South works less and the North built the Fortune 500

2:30 Suze Orman says sell treasuries, buy Pfizer—Don (and Chuck Jaffe) respond

4:58 How to send in your questions—Don needs more spoken ones

5:04 Listener Q1: Does the 4% rule assume you’ll run out at 95?

6:49 Don explains the assumptions behind the 4% rule and how it holds up historically

8:35 Q2 follow-up: What if I’m 50/50, not 60/40? Adjusting withdrawal expectations

9:59 Real-world historical 4% rule example from 1994 to 2024

11:03 Listener Q2: Building and eventually using a taxable brokerage account

13:50 Don’s advice: broader diversification, bigger emergency fund, and smart drawdown tactics

15:26 Listener Q3: Bob Carlson’s fear-based sales pitch—is it legit or just sleaze?

16:56 Don explains how insurance reps avoid disclosure rules and push high-commission junk

19:14 Why the radio is filled with non-fiduciary insurance hustlers

22:09 How to get real help, real answers, and real fiduciary advice—for free

22:36 Don’s final ask: bring Talking Real Money to your summer campfire

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