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Reality Radio for a really great future.

We're talking real money.

Well, it's Friday, so it must be another Q&A day here on Talking Real Money.

I'm Don McDonald.

Glad you could join us for another podcast, and we are going to try and get some of your questions answered as we continue to get a lot of them.

Called in to 855-935 talk or sent in at Talking Real Money.com, either typed or spoken.

And on the Friday edition, we do the spoken versions, either through the phone or through the Talking Real Money speak section.

Unless, of course, we run out, which we haven't done.

So we've got a bunch of questions for you today.

And we hope that if you have a question, you give us a call at 855-935 talk anytime, 24 hours a day, seven days a week,

or again, send them in at Talking Real Money.com. And let's get started with our first question.

Hey, guys, I'm a new listener in the last six months or so. This is Otis in Chicago, and I love

your non-alarmish, nuts and bolts

investment advice and your bad joke, so thank you for both. I did score a 76 on your risk quiz,

and I'm embarrassed to say I have always relied solely on my teacher pension, and I only started saving in my Ross beginning at age 50.

I'm now 52. I'm retiring in six years. As an Illinois teacher, I will not qualify for Social Security.

...