Don and Tom dive headfirst into the wild world of bad financial predictions—specifically, the apocalyptic ramblings of Rich Dad Poor Dad author Robert Kiyosaki. They dissect his decades-long streak of failed forecasts, poke holes in his fear-fueled pitch for gold, silver, and Bitcoin, and remind listeners that gurus don’t predict the future—they profit from pretending they can. Listener questions cover 529 plan choices, 457(b) vs Roth IRA, the small-cap allocation in AVGE, and a plea for Don to never give up managing his own money.

0:04 Tom banned from pushing buttons—again

1:00 Why do we idolize financial “gurus” who are chronically wrong?

2:21 Enter Robert Kiyosaki: The doomsayer who keeps getting richer

3:05 Don confronts Kiyosaki over his bogus “guarantee” ad

3:53 His silver and market crash predictions: A 23-year flop fest

5:16 Latest Kiyosaki fear-pitch: Gold, silver, Bitcoin… again

6:37 His one right prediction (Bitcoin hitting $100K)

7:55 Critical reviews: Conspiracies, platitudes, and risky advice

9:22 Can Buffett, Lynch, or Bogle be called “gurus”?

10:24 Listener Q1: Fidelity 529 target date fund—too expensive?

11:26 UTANX and low-cost age-based 529 alternatives (like Utah’s plan)

14:02 Listener Q2: Roth 457(b) with high fees vs Roth IRA

16:47 Listener Q3: Does AVGE need a separate small-cap fund?

19:10 Listener Q4: Should Don stop managing his own money?

21:08 Why everyone needs a backup advisor—even advisors

22:17 Don’s voice acting love: Mighty Man Season 3 teaser

22:34 Listener Q5: AVUV vs AVGE—when and why to use each

24:20 AVGE asset breakdown—15 funds in one

26:12 Explaining the podcast schedule (Monday–Friday layout)

27:34 International listeners, Spotify vs Apple, and how to tune in

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