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 and Roxy dive into listener questions with sharp advice and sharper metaphors—like why a 1,000-point drop in the Dow is more like a slight temperature dip than a financial catastrophe. They cover smart asset location (where to put what), consolidation tips for retirement accounts, the often-overlooked costs of rental real estate, and the emotional tug-of-war between risk tolerance and capacity as retirement nears. Plus: a gentle roast of Robert Kiyosaki, a Parisian travel tip, and a few digs at over-diversified portfolios.
0:05 Tom’s intro rant: fear headlines and market timing
1:39 Denominator blindness: why scary drops sound worse than they are
2:52 2.4% drop = sweater weather, not financial panic
3:55 Listener Q1 (Jeff): Where to hold stocks vs. bonds—taxable vs. IRA
4:17 Asset location strategy: not just S&P and short-term bonds
5:35 Duration, muni bonds, and why not all income is equal
6:24 One custodian, fewer accounts: simplify to win
7:41 Start with overall allocation, not tax location
9:16 Managing drawdowns, RMDs, and legacy with tax planning
10:54 Listener Q2 (Jason): Should I just let my equities grow?
11:40 Risk capacity vs. risk tolerance: don’t drive 90 if 65 gets you there
13:08 Why 90/10 in retirement rarely makes sense
14:27 Distributions and downturns: another case for bonds
15:28 Listener Q3 (Justin): Real estate vs. market income
16:22 Landlord reality check: equity ≠ cash flow
17:47 The tax myths of rental income vs. investments
19:40 How investors really generate income (total return strategy)
21:01 Time to develop a real estate exit plan?
21:38 Final thoughts, free reviews, and Roxy’s Parisian wisdom
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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).
