Reality Radio for a really great future.

We're talking real money.

Hi, folks.

It's time for another Friday Q&A day on talking real money.

I'm Don McDonald.

This is what I do on Fridays. I take a bunch of the questions

that you sent in, that you either called in to 855935 Talk, which you can call 24-7,

or you sent them in via our website, Talking Real Money.com, and you clicked on the contact form.

You can do it either way.

Now, quick note, if you want to call us live, there's a really good time to do that. In fact,

there's only one time to do that where you can talk live and we can have a conversation.

That's on Saturday when we do a live show in Seattle, Washington on the radio.

But anybody can call from anywhere and you you get an answer, and we talk.

That's that same number.

855-935-935-8-5-8-3-5-8-25-5.

So stop by when the spirit moves you.

When a question moves you, like this one apparently moved someone.

Tom and Don, thanks for taking our questions.

I have two.

I'm currently 32 years old, been investing in savings since 2015. I'm using a web program now

called Personal Capital to track my net worth and play around with scenarios on their retirement

analyzer. Long story short, the reason they can give you that free program is that once your

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