Money Talk with Carl Stuart

July 19, 2025

Allocating your assets and drawing down retirement accounts in the most advantageous way

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.

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July 12, 2025

Drawing pensions early, explaining interest rates and their relationship to treasury bonds, and managing multiple houses as investments

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.

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June 28, 2025

Weighing how much of an inheritance to put in a home, explaining minimum distributions from IRAs, and more on Social Security disbursements

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.

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June 21, 2025

Managing your HOA’s reserve funds, taking another look at small-cap growth stocks, and changing financial advisors to the state where you retire

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.

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June 14, 2025

The state of advisor fees, the pitfalls selling rental property after a partner dies, and managing year-round IRA contributions

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.

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June 7, 2025

Minimizing the costs of investments, caution against seeing your home as a nest egg, and assessing inherited property values

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.

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May 31, 2025

Robo-investing, whether to pay down a mortgage or invest, and career change while holding onto some of your savings

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.

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May 24, 2025

Protesting your property tax appraisal, mulling the transfer of 403bs and 401ks into one account, and underperforming U.S.-stock exchange traded funds

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 term, and other questions.

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