by Don McDonald
Financial talk radio veteran, Don McDonald and former host of Serious Money on PBS, Tom Cock, join forces to talk about real money issues. In each episode, they solve real money problems, dole out real investing (not speculating) advice, and really explain the financial issues that effect all of us. Plus, it's actually fun! Talking Real Money is a podcast designed to provide the real help we all need to enjoy a really great future. Call in with your questions anytime at 855-935-TALK (8255).
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Publishing Since
3/29/2018
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April 21, 2025
In this episode of Talking Real Money, Don McDonald and Tom Cock discuss practical strategies for navigating recessions without panic or unnecessary market timing. They critique the constant, fear-driven speculation around economic downturns and emphasize maintaining a disciplined, long-term approach. Highlighting actual investor behavior from Dalbar studies, they explain why market timing almost always results in poorer returns. Tom humorously criticizes aggressive pickup truck drivers and touches on avoiding common recession-investing mistakes, advocating instead for careful asset allocation, understanding emotional risk tolerance, and maintaining a sensible emergency fund. Listener questions prompt discussions on treasury ladders versus bond funds, the impact of expense ratios, and effective short-term cash management. 0:10 Surviving and thriving during recessions 0:26 Probability of recession discussions 1:04 Don criticizes recession scare tactics 1:46 Humorous digression about pickup trucks 2:49 Audience wants solutions, not problems 3:48 Avoiding common recession investing mistakes 4:39 Wall Street Journal example of market timing errors 5:29 Importance of emergency cash for retirees 6:04 Risk versus loss in investing 6:28 Understanding emotional risk tolerance 8:01 Critique of Wall Street's short-term focus 8:36 Long-term investing approach regardless of recession 9:01 Dalbar study reveals poor market-timing results 10:51 Long-term Dalbar investor returns vs. market returns 13:09 Humorous tangent on global population 13:44 Listener questions segment begins 14:33 Discussing asset allocation and bond fund concerns 16:18 Bond ladder vs. bond fund debate 17:20 Examining long-term bond fund returns 18:09 Benefits and drawbacks of bond funds 19:28 Comparing money market fund options (DTAXX) 21:06 Expense ratios significantly impact returns Learn more about your ad choices. Visit megaphone.fm/adchoices
April 16, 2025
Hosts Don McDonald and Tom O'Reilly discuss the role of risk, resilience, and rational investing in the stock market.
April 15, 2025
Hosts Don McDonald and Tom Kelly discuss the emotional impact of market volatility and the importance of long-term investing discipline with insights from industry expert Jason Zweig.
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