The show opens with a major announcement: Talking Real Money is leaving terrestrial radio and going fully podcast-only, marking the end of a 16-year Saturday run. A heartfelt surprise call from Don’s wife Debbie reflects on decades of friendship, trust, and listener connection before the tone pivots back to business. The main topic takes aim at perpetual crash predictors like Robert Kiyosaki, dismantling their track records with hard numbers and highlighting the absurdity of market timing. The episode then shifts to a real-world HOA investing debate, using it as a case study to expose the risks and illusions behind “buffered” or “guaranteed” return products. The core message is simple and consistent: if it sounds too good to be true—especially anything promising safe double-digit returns—it is. 0:04 Major announcement: show leaving radio, moving fully to podcast 0:34 Surprise call from Debbie with emotional tribute 2:13 Reflection on 16 years, trust, and listener impact 3:15 Don and Tom respond to Debbie and reflect on friendship 5:16 Setup: can anyone actually predict a market crash? 6:41 Media fear machine and constant crash headlines 7:44 Kiyosaki’s predictions vs real market performance 9:52 “25 of the last 2 crashes” and the contrarian indicator joke 11:05 Why crash predictions persist and attract attention 12:29 Other fear-based forecasts and why they don’t help investors 13:29 Program note: transition to podcast-only and how to listen 14:32 Caller: rebuilding an emergency fund vs investing 15:58 How to prioritize emergency savings vs brokerage contributions 16:55 Managing risk and asset allocation near retirement 17:32 Caller question: how interaction will work in podcast format 18:57 New system for listener calls and recorded conversations 21:40 HOA story: pressure to invest reserves in complex products 22:54 Explanation of buffered/structured investment products 24:06 Hidden tradeoffs: capped upside, partial downside protection 25:00 Unknown risks and 2008 comparison 25:47 “Do you know who I am?” moment and advisor pushback 27:01 Reality check: no such thing as guaranteed 10% returns 27:27 Simple logic: if 10% were safe, no one would take 4% 28:59 “People lie about money” and incentives in finance 30:12 Listener email: estate planning and Tom’s Starbucks joke 32:09 RetireMeet recording availability and follow-up 34:08 Podcast reach vs YouTube performance 35:28 How to listen and interact with the show going forward Learn more about your ad choices. Visit megaphone.fm/adchoices