Episode Details

Seven listeners bring seven practical money decisions, and Don moves through them without the usual detours. He compares ETFs with mutual funds, untangles realistic stock returns and retirement withdrawal rates, and explains where a short-term bond fund may fit.

Then he tackles the tax tail on an expensive legacy fund, why reverse-mortgage proceeds should stay safe, the real job of emergency savings, and what to have ready for a free advisor conversation.

2:13 ETFs vs. mutual funds
4:56 Real returns and retirement withdrawals
9:37 Short-term bonds as dry powder
10:56 Taxes versus an expensive legacy fund
14:15 Reverse-mortgage cash
16:54 Emergency savings
18:44 Preparing for an advisor meeting

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