Joe imagine this. You are in the middle of your personal finance journey. Let's say you're in your 40s or 50s.

You've got some good assets saved, but you've got a one fund portfolio, VTSAX.

What would you do next?

Are you just trying to make steam coming out of my ears?

Is that what you're trying to do?

Like, like cartoon?

I would change it.

I would do better. Oh, all right. Well, we are going to take you

up on that challenge because we're going to answer a question today from a caller who is in exactly that boat.

We're also going to talk to somebody who belongs to a union and is wondering whether or not

he can negotiate.

And we're going to talk to someone

who lives in another country and has

a different set of rental property numbers

than what one might expect to find in the US.

And we'll hear an update from a previous caller.

Welcome to the Afford Anything Podcast, the show that understands you can afford anything but not everything.

Every choice carries a trade-off.

And that applies not just to your money, but to your time, your focus, your energy,

your attention to any limited resource you need to manage. So what matters most and

how do you make choices accordingly? That's what this show is here to answer and we cover

five topics. Financial psychology, increasing your income, investing, real estate, and

...