A debate over jelly bean flavors quickly pivots into a takedown of a flashy Inc. Magazine article claiming people shouldn’t save for retirement. Don and Tom dissect the “cash-flow over investing” pitch from entrepreneur Joseph Drups, exposing the realities of running small businesses, the risks behind claims of passive income, and the likelihood that the real money comes from selling the system rather than executing it. The conversation then turns to listener questions, including the differences between Avantis ETFs AVGE and AVTM and a thoughtful inquiry about whether factor investing from firms like Avantis and Dimensional justifies higher fees compared with traditional cap-weighted index funds. 0:04 Jelly bean debate returns: Costco Jelly Belly flavors, jalapeño surprises, and the “Pepto-Bismol” mystery bean 1:58 Inc. article claims you shouldn’t save for retirement 2:45 Entrepreneur Joseph Drups’ “cash-flow over investing” strategy 4:08 The myth of passive income from small businesses 5:46 Valuing a business vs. claiming low net worth 7:17 Reality check: most small businesses fail 10:06 Drups Ventures model and e-commerce brand acquisitions 11:10 The $100/month “Fast FI Club” and selling the system 13:55 Entrepreneurship vs. unrealistic promises of passive income 15:28 Impatience and the risks of chasing quick financial independence 16:44 Listener question: Avantis AVTM vs. AVGE 19:11 What actually defines a “true” index fund 23:06 Bogleheads critique of smart beta and factor strategies 24:08 Evidence for small-cap and value premiums since 1926 27:18 Fees vs. expected factor premiums 28:00 Recency bias and long periods when factors underperform 30:53 Raisin Bran bag conspiracy theory and aging complaints Learn more about your ad choices. Visit megaphone.fm/adchoices