In the longest Q&A episode yet, Don answers seven listener questions covering everything from concentrated stock windfalls and early retirement asset allocation to Roth vs. taxable contributions, the real 59½ withdrawal date, the dangers of buffered ETFs, and the reality of home affordability. He stresses the importance of security over speculation, the need for actual retirement planning, and the pitfalls of gimmicky Wall Street products, all while weaving in his trademark skepticism and humor.

0:04 Friday Q&A intro and listener surge in questions

2:18 Jackpot in two small-cap stocks at age 70—should he sell?

6:28 42-year-old with uncertain job security and $850k retirement + $518k taxable—structuring allocations for early retirement

11:28 Roth vs. taxable brokerage contributions for flexibility before 59½

15:13 Clarifying 59½ rule—date vs. year of eligibility

17:11 Buffered ETFs explained and why they’re just Wall Street gimmicks

21:53 Rule of thumb for first-time homebuyers: mortgage % of income, 15 vs. 30-year terms, and why homes aren’t great investments

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