Six Subject Show

Talking Real Money - Investing Talk

Don McDonald

Business, Education, Investing, How To

4.2 • 680 Ratings

🗓️ 9 May 2025

⏱️ 26 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

In this extra-packed Friday Q&A episode, Don powers through a barrage of listener questions while recovering from an attempted heart ablation (yep, he's okay—but not fixed). He dives into everything from sketchy SIMPLE IRA fees and Roth rollover rules, to when it actually makes sense to take Social Security. You’ll also hear a checklist of questions to grill a potential financial advisor with, a primer on small-cap value stocks, and a lightning-round suggestion for international bond exposure. And yes, he dishes on why many advisors don’t actually want you to read those pesky prospectuses. 0:04 Don's in his VO booth—surgery didn’t go as planned1:38 SIMPLE IRA fees: 5% commissions and better alternatives3:53 Roth IRA strategy: match in SIMPLE, max out Roth with AVGE8:35 Why that Raymond James advisor doesn’t want change9:43 Social Security breakeven isn’t one-size-fits-all11:35 Roth IRA transfer to Robinhood: does 5-year clock reset?13:04 What to ask when hiring a financial advisor16:06 Small-cap value vs. other stocks explained18:59 Comment: Prospectuses scare advisors (and why)21:42 Best international bond index fund? Try BNDX Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:27.8	Search for Adobe Express to find out more and get started today.
0:37.6	Reality Radio for a really great future.
0:39.7	We're talking real money.
0:40.5	Hey, everybody.
0:42.4	Welcome to the Q&A edition.
0:43.1	It's a Friday.
0:46.0	When I put this up anyway, that's when it's a Friday.
0:48.8	It can not be a Friday when you're listening.
0:51.4	I don't know what day it is, but thanks for listening. I am in my hermetically sealed voiceover booth today because my main
0:58.1	office monitor is in getting some changes made to it to put it on an arm. So I'm in the studio.
1:04.8	I'm in the box and different mic. So it may sound a little different. This is my voiceover mic.
1:10.7	And thanks for all the questions you guys have been sending in. Just tons may sound a little different. This is my voiceover mic. And thanks for all the
1:11.9	questions you guys have been sending in. Just tons of them have come in lately and just keep them
1:16.1	coming because that allows us to do longer Q&A shows like today's. We're going to have a record
1:21.4	number of questions and comments in today's episode. A quick little note just because I like to keep you informed about what's going on in life.
1:33.2	If you listen to the podcast regularly, you may have heard that I was going for surgery on
	...

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