Money Talk with Carl Stuart

Carl Stuart walks you through investment questions step-by-step to build your personal finance IQ and perhaps help you grow your bottom line. The post Back To Basics: Building Your Retirement 101 appeared first on KUT & KUTX Studios -- Podcasts .

Carl Stuart answers listener calls and texts on rolling over 401(k) funds, converting to Roth IRAs, Social Security, taxes, and investment strategies. Also, some discussion about the long-term solvency of Social Security and how younger people may have to rely less on it in the future. The post Rolling over 401(k) funds, converting to Roth IRAs, Social Security, taxes, and investment strategies ap...

Carl Stuart answers caller and texter questions on inheriting real estate and its tax liability, the pros and cons of using a fee-only financial advisor, managing investments –and risk tolerance – on your own, plus Roth IRA rollovers and a whole lot more. The post Inheriting real estate and the tax liability, the pros and cons of using a fee-only financial advisor, managing investments –and risk t...

Carl Stuart talks with KUT Program Director Jimmy Maas about two of life’s inevitables, death and taxes. Carl has been a financial advisor for decades. Jimmy spent more than eight years of his journalism career at the Wall Street Journal and Bloomberg. One of them has no money (Jimmy). The other (Carl) will be dispensing […] The post Money Talk’s Death and Taxes Special appeared...

Carl Stuart takes questions from phone calls and texts about a range of personal finance issues, including renting out a mortgage-free home, rolling over an old 401k, looking at alternatives for 529 plans for education - and more on Money Talk. The post Renting out a mortgage-free home, rolling over an old 401k, and looking at alternatives for 529 plans for education appeared first on KUT & KU...

Carl Stuart talks with callers and answers text questions about how to approach retirement with an age gap between spouses, how to invest cash holdings, bond investing, and the role of the Federal Reserve -- and much more on Money Talk. The post How to approach retirement with an age gap between spouses, how to invest cash holdings, bond investing, and the role of the Federal Reserve. appeared fir...

Carl Stuart answers calls and text questions about managing a large inheritance, investing in crypto, and deciding when to take Social Security, investment diversification, considering factors like inflation and longevity when planning for retirement -- and more. The post Managing a large inheritance, investing in crypto, and deciding when to take Social Security appeared first on KUT & KUTX S...

Carl Stuart dives into several questions from calls and texts, including Roth IRA conversions, dividend reinvestment, asset allocation, mortgage rates, retirement savings, and gifting money. The post Converting Roth IRAs, reinvesting dividends, asset allocation, saving for retirement, and gifting money appeared first on KUT & KUTX Studios -- Podcasts .

Carl Stuart takes on topics including the Austin real estate market, using home equity to open a yogurt shop, capital gains taxes, diversifying an investment portfolio into bond funds, and moving out of state during retirement. And much more on Money Talk. The post Austin real estate, building yogurt and ice cream shop dream with home equity, and moving after retirement. appeared first on KUT &amp...

Carl Stuart takes caller and text questions on topics like the pros and cons of passive and active investing, also what to do when inheriting property, and whether to use home equity loans to pay off high-interest debt - and more The post The pros and cons of passive and active investing, inheriting property, and using home equity loans to pay off high-interest debt appeared first on KUT & KUT...

Carl Stuart dives into several personal finance questions, including required minimum distributions from retirement accounts, gifting money to adult children, investing in bonds and bond funds, transitioning to retirement, and more. The full transcript of this episode of Money Talk with Carl Stuart is available on the KUT & KUTX Studio website. The transcript is […] The post Gifting mon...

Are target-date retirement funds worth it? How aggressive should you be in the stock market after retirement? And is the market capitalization of S&P 500 overconcentrated? Just a few of many questions Carl Stuart helps answer. Plus one texter gets some inadvertently gets some marriage counseling and another nominates Carl for the Medal of Freedom. The post Target-date retirement funds explain...

Carl Stuart takes on several topics from callers and texters, like the right ratios for your asset allocation, drawing down pre- and post-tax retirement accounts, Social Security Disability Income (SSDI), and planning for the future even at an advanced age. The post Allocating your assets and drawing down retirement accounts in the most advantageous way appeared first on KUT & KUTX Studios --...

Carl Stuart talks to callers and texters about whether there are downsides to drawing a pension early, the relationship Federal Reserve interest rates have with U.S. "T-notes" or treasury bonds— and their effect on banking interest rates. He also talks about managing multiple houses as investments and other topics. The post Drawing pensions early, explaining interest rates and their relationship t...

Carl Stuart helps several callers and texters, like one trying to figure out what percentage of an inheritance to invest in markets and in her Austin home, what happens when the federal government requires minimum distributions from Individual Retirement Accounts (IRAs), and weighing how long to wait to take Social Security benefits -- and more. The post Weighing how much of an inheritance to put...

Carl Stuart takes your calls and texts on a lot of questions, including from the treasurer of a Home Owners Association about managing their reserve funds, a retiree who moved to the Austin area and wants advice on what to look for in a financial advisor here, and from an investor looking to push his luck on under-performing Russell small-cap funds. The post Managing your HOA’s reserve funds...

Carl Stuart takes your questions including why fees for advisors are set the way they are. He chats with someone over a question he's never received in 30 years regarding the sale of a rental property years after the woman's husband died. Plus questions about individual retirement accounts, college savings, and more. The post The state of advisor fees, the pitfalls selling rental property after a...

Carl Stuart takes a variety of questions on how to minimize fees associated with making investments, why you should not see your home as an investment you'll cash out of one day - because you have to live somewhere, learn about step-ups in value "basis points" when inheriting a property, and more on this week's show. The post Minimizing the costs of investments, caution against seeing your home as...

Carl Stuart answers your questions including the unemotional choice of robo-advisors, using expendable income to pay down a mortgage or buy stocks, and advice for a soon-to-be-teacher to hold on to savings during the lean months ahead of student teaching. Also, some popular questions of late on 529 college plans and protesting property tax appraisals. The post Robo-investing, whether to pay down a...

Carl Stuart answers a carryover question from the previous week on protesting property tax assessments with the help of informed listeners. He also takes on other complicated topics like how to position ranch land for their heirs or themselves, the possibility of combining pension, 401k, and 403b accounts into one for easy management, why Carl is shying away from U.S.-only stock ETFs for the near...

Carl Stuart takes on some more nuanced topics like staying (a little) aggressive with your nest egg in retirement, tax strategies behind 1031 real estate transactions, and survivor benefits when one spouse's employer paid into Social Security and the other, a teacher, only paying into a pension (TRS). The post Growing your cash even after you retire, tax strategies with real estate sales, and surv...

Carl Stuart takes your calls and texts on how to add savings to a State of Texas Teacher or Employee Retirement System plan (TRS or ERS), what to do when starting from scratch -- even when retirement age is around the corner, what alternatives there are for trusts and college savings plans, as well as buying a piece of the toll road-- individual infrastructure investments! The post Supplementing s...

Carl Stuart handles questions on a lot of personal finance topics, including what to do with health savings accounts (HSAs), investing in indexed funds or ETFs, and some advantages to paying down your mortgage. He also talks a bit about the news that Warren Buffet is stepping down as head of Berkshire Hathaway - and, no, Carl was not named his replacement! The post Handling Health Saving Accounts...

Carl takes on your questions, including a holdover from the end of last week’s program on the cost of probating a contentious estate, another on managing multiple retirement accounts from multiple employers in multiple countries, and more. The full transcript of this episode of Money Talk with Carl Stuart is available on the KUT & […] The post Surprising costs when probating an es...

Carl Stuart explores questions about Real Estate Investment Trusts, Austin property values, what to do with your old employee retirement accounts, and the merits and pitfalls short selling stocks. The full transcript of this episode of Money Talk with Carl Stuart is available on the KUT & KUTX Studio website. The transcript is also available […] The post Investing in REITS, rolling over...