Five listener questions take Don from retirement income to a young investor’s first $100 a month. When does an immediate annuity make sense? What changes—and what doesn’t—when eligible Vanguard mutual funds become ETFs? And how can a 20-year-old get started with a simple, diversified retirement portfolio?

Don also explains where interest from brokered CDs goes and weighs the appeal of a promotional 6% account against the hassle of moving your banking. First, a listener has a paper-saving suggestion for Tom.

02:53 A listener’s suggestion for saving trees
04:29 Immediate annuities versus portfolio withdrawals
07:44 Vanguard mutual funds, ETFs, and dividends
11:18 Starting retirement savings at 20
13:50 How CD ladder interest gets paid
16:33 Weighing a promotional 6% savings offer

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