Reality Radio for a really great future.

We're talking real money.

Hey, welcome to Talking Real Money. Tomcock here.

Don McDonald with the day off and special, I can't really call her a guest anymore,

but we'll be talking to one of our advisors in just a moment here.

She's got some great questions you've been sending into Talking RealMoney.com.

Keep them coming because we love looking into these topics and discussing them.

But before we get to that, I read with some interest that now U.S. household stock allocations

make up 42% of total financial assets. So almost half of the

money that people have is in stocks. And that is the most on record going back to 1952, which is a

long time ago. And what do I think of this when I read this? Well, there's people that manage money

for a living are going to tell you, well, that's a selling sign. Why would I say that? Well,

because people are so exuberant, they put so much money into stocks that they're going to run out of

money to put into stocks. And the market's at basically an all-time high. It's time to sell.

Of course,

you know we don't buy into any of that. But how should you take it? Well, I'll tell you one thing you should do is not run in and buy stocks if they're not part of your plan. But if you're making

investments every two weeks, as I am, as our guest is, you're going to keep on doing that. It's not going to matter that

people have more money in stocks on a percentage basis than they ever have. And it doesn't

matter that markets are at record highs. It doesn't matter that there's an election coming up,

that interest rates may be coming down. All those factors that are out there every single day do not matter to you

because the portfolio that you're designing is about you and your future and your needs and your

ability to take risk and how soon you need the money. It really, this is a statistic. It's interesting.

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