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).
Tom Cock and Apella Wealth advisor Roxy Butner team up for a lively listener Q&A episode covering everything from the new wave of penny-stock IPOs to retirement readiness and tax traps. Tom opens with a warning about the surge in risky penny-stock offerings, then the two dive into listener questions about annuity sales pressure at Fidelity, portfolio diversification mistakes, CD taxation myths, Roth conversions, and one standout 21-year-old listener getting her financial life off to a stellar start.
0:05 Tom opens with a warning about the explosion in penny-stock IPOs
1:26 Why “lottery-ticket” stocks nearly always burn investors
2:21 Diversify, stay tax-efficient, and skip the hype
2:30 Roxy joins for listener Q&A
3:38 Fidelity’s annuity pitch — a listener wonders if it’s time to leave
5:05 Who’s truly fiduciary: Fidelity vs. Vanguard vs. Apella
6:14 Vanguard dipping a toe into crypto
6:51 Quabina from Ohio: $2.2M at 47 — diversified enough to retire at 55?
8:14 Missing global diversification and bonds in an all-U.S. portfolio
9:57 Early-retirement planning challenges and healthcare costs
10:20 How to design the right stock-bond-international mix
11:36 Daniel from California: Are long CDs taxed as capital gains?
13:04 Why CD interest is always ordinary income — and muni bond alternatives
13:29 Year-end planning: RMDs, Roth conversions, and tax optimization
14:45 Common tax mistakes and mis-placed assets
15:19 Emily from Ohio: “Young and Dumb” — a 21-year-old investing the smart way
18:51 Building a first Roth IRA and why bonds don’t belong yet
20:00 One-fund simplicity: AVGE vs. VOO
21:41 Long-term mindset: global diversification and patience pay off
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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).
