Asking Tom and Roxy

Tom and Roxy dive into listener questions with sharp advice and sharper metaphors—like why a 1,000-point drop in the Dow is more like a slight temperature dip than a financial catastrophe. They cover smart asset location (where to put what), consolidation tips for retirement accounts, the often-overlooked costs of rental real estate, and the emotional tug-of-war between risk tolerance and capacity as retirement nears. Plus: a gentle roast of Robert Kiyosaki, a Parisian travel tip, and a few digs at over-diversified portfolios.

0:05 Tom’s intro rant: fear headlines and market timing

1:39 Denominator blindness: why scary drops sound worse than they are

2:52 2.4% drop = sweater weather, not financial panic

3:55 Listener Q1 (Jeff): Where to hold stocks vs. bonds—taxable vs. IRA

4:17 Asset location strategy: not just S&P and short-term bonds

5:35 Duration, muni bonds, and why not all income is equal

6:24 One custodian, fewer accounts: simplify to win

7:41 Start with overall allocation, not tax location

9:16 Managing drawdowns, RMDs, and legacy with tax planning

10:54 Listener Q2 (Jason): Should I just let my equities grow?

11:40 Risk capacity vs. risk tolerance: don’t drive 90 if 65 gets you there

13:08 Why 90/10 in retirement rarely makes sense

14:27 Distributions and downturns: another case for bonds

15:28 Listener Q3 (Justin): Real estate vs. market income

16:22 Landlord reality check: equity ≠ cash flow

17:47 The tax myths of rental income vs. investments

19:40 How investors really generate income (total return strategy)

21:01 Time to develop a real estate exit plan?

21:38 Final thoughts, free reviews, and Roxy’s Parisian wisdom
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