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Podcast: Talking Real Money - Investing Talk
Episode: More Holiday Q&A
Description: In this holiday Friday Q&A, Don opens with a festive announcement about Seasonās Readingsānow Apple-featured and temporarily commercial-freeābefore diving into listener questions on fixed annuities versus CDs, a creative (and complex) 529-to-Roth strategy tied to Georgia tax deductions, simplifying IRA management and RMDs at Schwab or Vanguard, the unavoidable tax traps of old investment clubs structured as partnerships, and the perennial question of how much U.S. large-cap exposure belongs in a diversified equity portfolio. Along the way, Don reinforces core themes: simplicity beats complexity, costs matter, taxes are inevitable, and diversification has no single ācorrectā...