Financial talk radio veteran, Don McDonald and former host of Serious Money on PBS, Tom Cock, join forces to talk about real money issues. In each episode, they solve real money problems, dole out real investing (not speculating) advice, and really explain the financial issues that effect all of us. Plus, it's actually fun! Talking Real Money is a podcast designed to provide the real help we all need to enjoy a really great future. Call in with your questions anytime at 855-935-TALK (8255).
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Financial talk radio veteran, Don McDonald and former host of Serious Money on PBS, Tom Cock, join forces to talk about real money issues. In each episode, they solve real money problems, dole out real investing (not speculating) advice, and really explain the financial issues that effect all of us. Plus, it's actually fun! Talking Real Money is a podcast designed to provide the real help we all need to enjoy a really great future. Call in with your questions anytime at 855-935-TALK (8255).
Gen Z may just be schooling the rest of us in retirement savings—sort of. Don breaks down why the kids are all right… and also why they’re misled. Auto-enrollment rules, social media misinformation, and shaky FinTok advice are all under the microscope. He then tackles smart ETF choices for young investors, questions about windfall investing and burial plots, the overhyped Shell-BP merger rumor, the madness of MicroStrategy’s crypto-fueled valuation, and how to responsibly (and legally) cash out decades-old gold holdings. Plus, Don dishes out practical planning wisdom and allergic sniffles from sunny Florida.
0:04 Gen Z’s surprising retirement savings rate—and why it’s not the whole story
1:06 Auto-enrollment in 401(k)s and how it changed everything
2:34 Gen Z’s financial education: more access, but less understanding?
3:49 The rise (and danger) of FinTok as a financial advice source
5:00 Over 70% of FinTok advice is misleading or incomplete
6:15 Back in studio—Don on allergies, Alpha kids, and social media scams
8:29 Chase “glitch” scam and other Gen Z-targeted bad advice
10:11 Credit Karma: Gen Z scams and IRS audits are shockingly high
11:17 Call: Should a granddaughter’s IRA stay in VOO or add tech/growth?
12:48 Why Don avoids sector funds like Infotech, even for young investors
13:45 The trouble with chasing recent winners like VOOG
14:29 Historical returns: value > growth, despite recent performance
15:47 Call: $20k–25k Nordstrom stock sale—spend, save, or invest?
17:59 Burial plots vs. emergency fund: Don’s (very real) take
20:42 CDs for older investors: short-term, safe, sensible
21:48 Call: Shell buying BP? Not likely—and Don calls the hype
23:35 BP’s politics and price already reflect takeover speculation
25:02 Inheriting BP stock: should you take the exit opportunity?
26:13 UK resistance to selling BP to a Dutch firm like Shell
26:56 Individual stocks = concentrated risk, even for giants like BP
28:09 Reminder: Every financial move should be part of a real plan
29:05 Roth conversions, tax brackets, and portfolio rebalancing
31:08 MicroStrategy’s insane Bitcoin play—and why it’s all risk
32:23 Company worth 40% more than its Bitcoin holdings—why?
33:28 Don warns: short selling and options are for gamblers only
34:00 Call: 59-year-old IT director wants to invest $5K/month wisely
35:21 Max the 401(k), use Roth IRA next, and build long-term wealth
36:47 Portfolio diversification with risk-based allocation
37:27 Call: Selling gold bought in the ’80s—how to handle taxes
39:47 How to recreate gold purchase records if you’ve lost receipts
40:55 Debunking the “three coins per month tax-free” myth
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Talking Real Money - Investing Talk
Financial talk radio veteran, Don McDonald and former host of Serious Money on PBS, Tom Cock, join forces to talk about real money issues. In each episode, they solve real money problems, dole out real investing (not speculating) advice, and really explain the financial issues that effect all of us. Plus, it's actually fun! Talking Real Money is a podcast designed to provide the real help we all need to enjoy a really great future. Call in with your questions anytime at 855-935-TALK (8255).
