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).
Don and Tom tackle the universal truths of investing — namely, that most investors underperform the market due to their own behavior. They discuss the persistence of emotional decision-making, the dangers of market timing, and the importance of diversification and sticking to a plan. Listener calls cover UGMA accounts, bond allocation in IRAs, downsizing for assisted living, robo-investing, annuities, and advisor ethics. The show mixes data-driven insight with classic Real Money humor and real-world financial guidance.
0:04 Universal truths of investing and investor behavior
2:07 Why investors underperform their own funds (Morningstar “Mind the Gap”)
3:30 Market sentiment, cash levels, and memories of 2000 and 2008
4:31 Peter Lynch on market corrections and investor overconfidence
5:40 The danger of timing the market and trusting stocks too much
6:40 “Financial Flinch Reflex” parody PSA (Appella Wealth ad)
7:41 Listener: diversifying a Vanguard UGMA for grandson’s education
12:14 Listener: TSP rollover, age-based bond allocation, and risk tolerance
14:40 The right asset mix for long-term investors in their 40s
15:48 Listener: selling condo for assisted living — planning for late-life care
18:45 Spending vs. inheritance — why it’s okay to use your own money
20:27 Producer’s question: is SoFi robo-investing safe for beginners?
22:56 Emergency funds vs. long-term investing; debt priorities
26:03 Listener: spouse investing in individual stocks — handling differences
28:32 Listener: total market vs. S&P 500 core fund; AVGE and DFAW explained
30:17 Listener: 8% annuity “crediting rate” myth and why it’s misleading
35:42 Real internal rate of return on annuities and risk comfort
37:12 Listener: following advisor from Ameriprise to a bank — fiduciary warning
39:36 Why commissioned products persist and how fiduciary rules differ
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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).
