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Talking Real Money - Investing Talk

Don McDonald

Business, Education, Investing, How To

4.2 • 680 Ratings

🗓️ 4 April 2025

⏱️ 17 minutes

🔗️ Recording | iTunes | RSS

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Summary

It’s Q&A Day on Talking Real Money, and Don tackles listener questions on everything from crypto and REITs to emergency funds and IRA contributions. He reiterates his firm stance against crypto as an investment, warns about the risks of individual REITs, and supports diversified REIT funds for long-term portfolios. Don also confirms that yes, you can contribute to a Roth for 2024 and a traditional IRA for 2025 in the same calendar year, as long as you stay within annual limits. Emergency cash? A Treasury money market fund like VUSXX is a solid place. And yes—Don really loves Chattanooga. 0:24 It's Q&A Day—Don wants more spoken questions 2:37 No love for crypto—even with a “strategic reserve” 4:43 Crypto isn’t investing, it’s gambling 5:30 REITs okay in a fund, but never buy individual REITs 8:10 VUSXX is a great place for emergency savings 10:15 Yes, you can do a 2024 Roth and 2025 IRA in same year 11:54 Watch out for pro-rata tax rules when backdooring Roths Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Oh, that's my prime delivery.
0:01.6	What, already?
0:02.7	Only one thing can match the buzz of Prime's fast delivery.
0:06.2	And that's the buzz of Prime's entertainment.
0:09.0	What are we watching?
0:09.7	Heads of state, that new action comedy with Idris Elber as the Prime Minister,
0:13.3	John Sina as the president, and Prianka Chopra Jonas,
0:15.9	as their only hope.
0:17.0	It looks like a blast.
0:18.2	From fast delivery to explosive entertainment, it's on Prime.
0:22.5	For only $899 a month, join now. Content includes limited ads, subscription or to renews.
0:27.5	For more information, go to amazon.com.uk.U.K. slash prime.
0:35.0	Reality for a really great future.
0:38.0	We're talking real money.
0:40.2	It's Q&A day again.
0:43.4	Again.
0:44.6	It seems like every week we have a Q&A.
0:48.8	I know it's Friday too.
0:50.7	Well, but it's not Friday.
0:52.3	See, that's why it's Q&A day because for some of you who listen to it the day the podcast comes out or just coincidentally on a Friday, it's a Friday, but for some of you, it's like a Sunday or a Wednesday. It's just Q&A day. And today's Q&A day is a bit on the light side. The reason being I try to maintain
1:15.7	enough questions for this week and next week. And I'm going to be a little short for next week
1:23.7	unless a new one or two come in. So I need a bunch of new questions at talking real money.com and questions that aren't typed.
	...

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