In this Friday Q&A edition, Don fields listener questions on rolling over a large 401(k) after a layoff, whether IRA money should ever be used to buy real estate, Vanguard’s new active ETF offerings, choosing between Vanguard and Schwab 2035 target-date funds, and whether to treat a foreign apartment purchase as part of an investment portfolio. Along the way, he highlights diversification benefits, cautions against high-cost self-directed IRAs, and emphasizes that homes are assets but not investments.

0:04 Friday intro, royal “we,” and reminder on how to submit questions

1:42 Scott from Louisiana: rolling over a $1M retirement account after layoff

4:07 Scott’s follow-up: using IRA funds to buy real estate

5:42 Caller asks about Vanguard’s new active ETFs and why indexes still win

8:02 Sylvia from Connecticut: comparing Vanguard vs Schwab 2035 target-date funds

11:12 Caller from Colombia: whether to factor a paid-off foreign apartment into portfolio allocation

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