More Qs Needed

Talking Real Money - Investing Talk

Don McDonald

Investing, Education, Business, How To

4.5 • 810 Ratings

🗓️ 19 September 2025

⏱️ 21 minutes

🔗️ Recording | iTunes | RSS

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Summary

Don laments the shortage of voice-submitted questions for the Friday Q&A shows and urges listeners to speak their questions into their phones or computers instead of typing them. He answers four listener questions: whether to take a pension lump sum or annuity, whether to roll a 401(k) into an IRA and how much to keep saving with a union pension, a callout about financial jargon (especially “basis points”), and whether stocks are as speculative as cryptocurrency. Don emphasizes that the annuity option is unusually generous, consolidating accounts can simplify rebalancing, saving as much as possible remains wise, and owning the entire global economy through diversified funds is investing, not speculation. 0:09 Don bemoans typed questions and encourages listeners to use voice submission 2:16 Listener asks about lump-sum pension vs. annuity — Don leans strongly toward annuity 6:05 Listener asks about rolling over a 401(k) to an IRA and whether to keep contributing — Don favors consolidation and continued saving 9:00 Caller criticizes jargon like “basis points” — Don defends term as shorthand but explains its meaning 12:04 Caller compares stocks to crypto — Don explains why diversified global stocks are investing, not speculation Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Well, your predilection for typing is causing me to be a bit miserly when it comes to these Friday Q&A shows.
0:24.8	I was really enjoying the bountiful harvests that we had over the past couple of months
0:33.6	where I could do five or maybe even six question episodes.
0:38.2	But today, no, I can't because most of our questions, most of them, the vast majority,
0:46.7	are now coming in typed.
0:50.2	It says a lot about where we are right now.
0:54.9	We are really attached to our keyboards.
0:58.7	I mean, think about it.
1:00.4	We tend not to like to make phone calls.
1:05.1	We're getting out of speaking practice.
1:08.6	So I'm trying to help you get back in practice. Go to talking realmoney.com,
1:13.8	hit the button that says contact us and then speak your question. Your phone has a mic.
1:20.3	I know your phone has a mic. And the quality is probably pretty good. Most of your computers
1:26.0	have a mic and many of you even have a
1:28.0	pretty good mic hook to your computer. And so if you speak the questions, then they get placed in the
1:34.6	Friday Q&A podcast. If you type them, who knows where they're going to land. We're going to try
1:41.4	and answer them somewhere, but they'll land all over the place. So go to talking real money.com, send me your questions because I have to, I have to
1:48.3	limit this week's episode to a mere four like last week, because that only leaves me one left for next
1:55.8	week, which would be the shortest Q&A episode in history. Unless, of course, I have Kath GPT read some of those typed ones,
2:05.8	which I might be forced to do.
2:08.2	I don't know.
2:09.0	Anyway, we do have questions, and I'm grateful for those.
	...

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