Whole Lotta Questions

Talking Real Money - Investing Talk

Don McDonald

Education, Business, Investing, How To

4.5 • 811 Ratings

🗓️ 10 April 2026

⏱️ 25 minutes

🔗️ Recording | iTunes | RSS

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Summary

This Friday Q&A episode of Talking Real Money features a surge in listener questions, covering key retirement and investing topics including IRA inheritance strategies, borrowing in retirement, how to find fiduciary advisors, the powerful tax advantages of HSAs, pension timing decisions, and whether Robinhood’s 2% IRA transfer bonus is worth the trade-offs. Don emphasizes simplicity and tax efficiency—favoring IRA rollovers over inherited structures for spouses, cautioning that borrowing ...

Transcript

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0:00.0	Your guides to a really great financial future.
0:09.0	Tom and Don are talking real money.
0:11.7	Well, it looks like our move to podcast only, at least in terms of questions, is paying off.
0:18.6	Because our inflow of questions, particularly the kind I like best, the recorded
0:25.1	ones, is way up, which means in this episode, I can fit six in. Maybe more, but I'm going for six.
0:35.3	That's what I've decided already. I've got six already. And I
0:38.1	don't pick them out. I just take them in order. Whatever order they come in, I take them. Now, bear in mind, if there is a technical glitch, you may not hear it, but if there's a technical glitch, I don't know what happened. So you're going to have to re-record it. If you don't hear your question after a while, and you recorded it with your voice, you didn't hear it on any of
0:56.3	the Friday podcasts, then try another. going to have to re-record it. If you don't hear your question after a while, and you recorded it
0:54.6	with your voice, you didn't hear it on any of the Friday podcast, then try another one. Just go to
0:58.9	talking realmoney.com, click on the button that says, ask a question, and then record your question.
1:05.3	And I'll put it on a future Friday podcast. And it's usually only a few weeks out, max about three to four weeks out.
1:14.6	So it's not a long wait.
1:16.7	Send them all in at talking real money.com.
1:18.9	And also I wanted to remind everybody that now you can get the Kindle edition of my book from my, my 2022 edition of my book, Financial Physics,
1:32.2	F-Y-S-I-C-S, and you can read it for free if you're a Kindle and Limited member.
1:38.5	So that's a deal.
1:39.9	And you can also buy the book, the paperback one.
1:43.8	But here's the trick. When you go to Amazon to look for these and you can also buy the book, the paperback one. But here's the trick. When you go to Amazon to
1:46.6	look for these and you type in financial F-Y-S-I-C-S, it will correct it to P-H-Y, and then it'll say,
1:54.4	did you really mean F-Y? And you have to click yes. And then it'll give you the right book.
1:59.0	Their thing is a little confused. I've tried to clear it up, but it's not working. So anyway, that's what I have for you. I have a bunch of calls. I have a bunch of questions. I'm Don McDonald. This is the Talking Real Money Friday Q&A podcast. And again, send those questions in at Talking Real Money.com on the ask a question or the contact form.
2:18.9	You can also call us at 855-935-935-835-8-25-5-2-5 with your questions.
	...

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