Highs Hype

The market hit another “all-time high”—shocking no one. Don dismantles the myth that record highs are reasons to panic or pull back, reminding listeners that long-term investing and diversification remain undefeated. He breaks down the actual recent S&P 500 data, explains why global diversification matters (even when it lags), and skewers both single-stock overconfidence and scammy ETFs promising outrageous yields. Listener calls dig into retirement withdrawal strategy, Roth conversion tactics, and why brokerage accounts might not always be necessary.

0:04 Market hits all-time high again… surprise!

0:39 Should you invest when the market is at an all-time high?

1:43 Don takes live calls—money questions welcome

2:11 S&P 500 update: fastest bounce in history

3:55 Surprise stock leaders: not the Magnificent Seven

5:13 Why diversification matters—again

9:30 All-time highs are normal—and necessary

11:21 Global stocks vs. U.S.: less volatile, less exciting

13:20 Palantir millionaire: savvy or lucky? (Spoiler: probably lucky)

16:55 Overconcentration risk—even with the S&P 500

18:07 Fixed income + discipline = real-life smoother ride

18:53 Caller Don in Covington: timing Roth withdrawals and big expenses

21:43 Withdrawal order: Taxable → Traditional IRA → Roth

23:50 Investing = confusing or clear. Your pick.

24:39 Caller Dave in Gig Harbor: 529-to-Roth confusion cleared up

27:31 529s just got even better for long-term wealth building

29:52 Back to solo Don: Tom’s in Normandy

30:27 Jason Zweig warns about shady 200% yield ETFs

33:08 How Tesla YieldMax ETF lost 80% while claiming a “62% yield”

34:44 If it sounds too good to be true… skip it

36:00 Listener question: Should cash be counted in your 70/30 allocation?

38:12 The role of cash in reducing volatility and funding withdrawals

39:01 Caller Mark in Connecticut: Do I even need a brokerage account?

41:59 Roth as dual-purpose tool: liquidity + long-term compounding
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