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Your Proper Risk
Don and Tom explore the role of risk, resilience, and rational investing as they tackle stock market uncertainty, Roth conversion confusion, and Robinhood’s attempt to lure new users. They mix in practical advice with plenty of caller questions—plus a detour into air-dried laundry, social media skepticism, and an appreciation for the film Tune Out the Noise. It's Talking Real Money in its purest form: smart, skeptical, and occasionally funny.
0:04 Intro: Making money more understandable
1:09 Tom’s tech issues and growing role of the stock market
2:11 When you should sell stocks in retirement
3:31 Risk capacity vs risk tolerance explained
5:14 Funny promo: Financial Flinch Reflex (FFR)
6:32 Stock market participation then vs now
7:04 Caller: Gratitude for 'Tune Out the Noise' documentary
8:16 The real goal of the show: Tuning out the noise
10:45 Caller Paul on clothesline nostalgia and laundry talk
13:05 Documentary's backstory, David Booth’s art & Dimensional’s origins
14:30 Why market timing makes you crazy and poor
15:57 Caller Tom sees a Facebook Roth ad—what gives?
17:46 Breaking down legitimate Roth conversion strategies
19:31 Don’s rant on Facebook, Tom’s retreat to LinkedIn
20:39 Caller Roger: Can you convert RMDs into Roth? (Spoiler: no)
21:37 Clarifying RMDs vs Roth conversions—rules & misunderstandings
24:14 Direct 401(k) to Roth IRA conversion—confirmed
25:59 Q: Why add bonds if you're 20 years from retirement?
28:03 How real people react to 50% portfolio drops
29:16 The truth about emotional investing and loss tolerance
31:08 Why Robinhood’s "free money" comes at a cost
32:56 Custodians vs Gamifiers: Schwab, Fidelity, and the Robinhood trap
Learn more about your ad choices. Visit megaphone.fm/adchoices
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By Don McDonald
4.5
713713 ratings
Don and Tom explore the role of risk, resilience, and rational investing as they tackle stock market uncertainty, Roth conversion confusion, and Robinhood’s attempt to lure new users. They mix in practical advice with plenty of caller questions—plus a detour into air-dried laundry, social media skepticism, and an appreciation for the film Tune Out the Noise. It's Talking Real Money in its purest form: smart, skeptical, and occasionally funny.
0:04 Intro: Making money more understandable
1:09 Tom’s tech issues and growing role of the stock market
2:11 When you should sell stocks in retirement
3:31 Risk capacity vs risk tolerance explained
5:14 Funny promo: Financial Flinch Reflex (FFR)
6:32 Stock market participation then vs now
7:04 Caller: Gratitude for 'Tune Out the Noise' documentary
8:16 The real goal of the show: Tuning out the noise
10:45 Caller Paul on clothesline nostalgia and laundry talk
13:05 Documentary's backstory, David Booth’s art & Dimensional’s origins
14:30 Why market timing makes you crazy and poor
15:57 Caller Tom sees a Facebook Roth ad—what gives?
17:46 Breaking down legitimate Roth conversion strategies
19:31 Don’s rant on Facebook, Tom’s retreat to LinkedIn
20:39 Caller Roger: Can you convert RMDs into Roth? (Spoiler: no)
21:37 Clarifying RMDs vs Roth conversions—rules & misunderstandings
24:14 Direct 401(k) to Roth IRA conversion—confirmed
25:59 Q: Why add bonds if you're 20 years from retirement?
28:03 How real people react to 50% portfolio drops
29:16 The truth about emotional investing and loss tolerance
31:08 Why Robinhood’s "free money" comes at a cost
32:56 Custodians vs Gamifiers: Schwab, Fidelity, and the Robinhood trap
Learn more about your ad choices. Visit megaphone.fm/adchoices
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