Reality Radio for a really great future.

We're talking real money.

Inevitably, every single week, there's a Friday.

And inevitably, every single Friday, I've got a bunch of questions that have been sent in by you for me to answer.

So it all works out really well, doesn't it?

So welcome to today's Q&A session on Talking Real Money.

And we have a lot of them.

These were all set in via the Talking Real Money website by people using the contact form, which is just so easy,

too easy, because almost everybody has a decent mic with their computers, particularly Apple

computers.

They just have great built-in mics.

The iPhone mic, holy cow, I did an audition once on the iPhone mic when I was away, and it actually sounded decent.

Didn't sound like a phone.

So go to your website.

Go to our website.

Go to your device.

Go to our website and ask a question on the contact form at talking realmoney.com.

Just speak it right in there.

It really works well.

And since it's just a Q&A day, let's get to the

Q so I can get to the A. Hey, Ron and Don. This is Joel. I'm calling from Atlanta. And I kind of

have a two-part question for you. First is, does a DIY retiree like myself benefit if my portfolio is a little more granular?

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