Reality Radio for a really great future. We're talking real money. Oh, give me a show. A show almost every day of the week, and I'm a happy camper. There's no place I'd rather be. Ah, another Q&A. I'm so excited. I think I've got some good

ones for you today. I've, uh, I've just, just finished going through them. I, again, I do, I check

them out the day I do the podcast. Uh, I don't have a lot of prep time. You know, I got a little bit. I can look at a few things. But I like it being fresh. Which means I, you know, I don't always get it perfectly correct. Not all the time. Sometimes I have to clean things up a little bit. But I like the freshness of it. It's as if you're actually calling, which you actually do.

You just don't do it live like we do on Saturdays from 3 to 5 Eastern at the radio show.

But you can call us any time at 855935-935 Talk, 8559358255.

Or you can call us on Saturdays on the radio show and we can talk, have a conversation.

Same number, 855-935 talk. The other way to call in the broadest sense of the word,

it's kind of like when you film, you don't film anymore, or you tape something, you don't tape anymore.

So it's a broader sense of the word.

People can call us, you can call us your people at talking real money.com using the mic on your computer, which most of the time actually sounds pretty good.

There's one instance today where it doesn't, but I'll fix that a little bit in post.

So, oh, and by the way, I'm your calm host, Don McDonald.

You'll know what I'm talking about in just a bit on the show.

So shall we just, yes, we should.

We should just get started with questions.

Every one of which, by the way, comes in from talking realmoney.com on the contact form

where you push the button and you record a question, which sounds usually good except for this one.

Hi, Tom and Don. Love your podcast. This is Brooklyn here from King of Prussia, PA. And I'm very new to the personal finance and investing space. I've been learning a lot for my partner, and he introduced me to your

podcast, Investory. So my question is, I was listening to another podcast, and the discussion was

on investment advisors and portfolio management. The portfolio of discussion is split across bonds

and equities, as well as U.S. and international within two buckets.

So bucket one is based on the buy and hold strategy, and bucket two uses a market timing strategy.

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