We are innundated with articles featuring lists of the "best" investments. Are they really that good and should you invest in them? Plus, we hear from listeners:

What's the difference between two bond ETFs?

Upset about the performance of her bond fund.


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Most advisors claim to be fiduciaries and even those who are always required to act in a client's best interests can have conflicts. What makes a true fiduciary financial advisor? We also discuss young investors sources of advice. Callers join in and ask:

Does it make sense to split a bond portfolio between US and international bonds?

How do you find the right advisor to write a financial plan?

Can someone with a 401k still contribute to a Roth IRA?

Why didn't a bank supply a 1099 for a CD?



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Nobel laureate, Robert Shiller, believes that the U.S. stock market may have run its course for awhile. So, what should you do is he's right? You be shocked (wink) at the answer. Then, aa whole lot of listeners call in:

Where should money from a property sale be kept for a future tax payment?

Does it make sense to buy a little physical gold?

Are money market fund yields lower than stated because of expenses?

How should an early retiree invest and generate income?

How can you calculate the expected future interest rates on an adjustable mortgage?


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Paying too much for your retirement plan and the investments within can damage your future. Listeners ask:

What do we think of direct indexing?

Why isn't Don's book available as an audiobook?


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Submit your spoken questions at talkingrealfmoney.com. This week:

What if "messing around" with a portfolio simply means using Avantis and DFA ETFs?

Are Avantis ETFs reall worth the extra expenses versus Vanguard index ETFs?

What should be done with a portfolio of broket sold Franklin-Templeton funds?

Is there a way to take money out of an IRA early without paying a penalty?


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What is your retirement number? Everyone should have one. Most people's number is too low, so you really need to try and calculate how much money you will need to have invested to create a decent stream of income for thosee post-work years. Then, we take your questions:

Should a target-date fund be held in a non-qualified, taxable account?

Instead of investing, why not just keep everything in one of today's high-yield money market products?


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Large-cap, U.S. stocks had a very good first quarter. However, many markets and previously hot stocks lagged far behind. What should this mean for your portfolio? We discuss the powerful research on investing psychology by Daniel Kahneman and Don's upcoming road trip. Plus, listeners join in:

What's the best way to sell one house, build another, and still have enough money left to live on?

How should a grandparent set up IRAs for working grandkids and how much might they eventually have?

Thanks for banning "Crypto Bob" from the Q&A podcasts.

How is 529 money transferred to a Roth IRA?


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Every four years investors grow concerned about the terrible impact that "other" presidential candidate might have on the stock market after the election. Yes, the evidence shows that new president's have had no discernable impact on the markets, so stop worrying. The listeners ask:

Is it time to start reducing a portfolio's aggressiveness?

Should the money from maturing bonds be reinevsted in funds all at once or over time?

What's the best way to take money out of retirement savings to buy a RV?

What can be done with old Roth contributions for someone with no taxable income?

How should money be best withdrawn from an inherited IRA?


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You can probably stumble through most of your financial life. The one money need for which you must plan is retirement. Today, we discuss some of the most important things you must do to retire comfortably. Plus, we answer your questions:

How should money from a maturing annuity be invested?

Why should we invest in Avantis ETFs when they don't have a long track record?


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Don takes on a bunch of your questions again:

What can be done about a late required minimum distribution (RMD)?

Is there a waiting period before you can withdraw money from a rollover Roth IRA?

What's the best way to start properly passively investing?

Don't fee-only investment advisors have a conflict becuase of the fee they charge?



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