Talking Real Money - Investing Talk
Talking Real Money - Investing Talk
Don McDonald
Better Income?
30 minutes Posted Jun 16, 2026 at 4:00 pm.
Retirement Income Debate
Dividend Trap Explained
Why Total Return Wins
Ask Tom Questions
Robinhood and Gamification
Auto-Savings for Workers
Free Portfolio Review
Book Talk and Family History
0:00
30:00
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Show notes
Should retirees live off dividends and bond interest, or use a total return strategy? Don and Tom tackle one of the most persistent myths in retirement investing: that dividend-paying stocks create safer retirement income. They explain why dividends are not “free money,” how dividend-focused portfolios can create hidden risks, and why most academic research favors a diversified total return approach. The conversation explores dividend traps, covered-call income funds, sustainable withdrawal s...