Ep. 2019: The Easy Money Trap
カートのアイテムが多すぎます
カートに追加できませんでした。
ウィッシュリストに追加できませんでした。
ほしい物リストの削除に失敗しました。
ポッドキャストのフォローに失敗しました
ポッドキャストのフォロー解除に失敗しました
Ep. 2019: The Easy Money Trap
-
ナレーター：
-
著者：
Merchant cash advances promise quick relief for a business in trouble—but the convenience can hide brutal costs and daily withdrawals that make a cash-flow crisis worse. Don and Tom explain why a local bank, an SBA loan, SCORE counseling, or even a hard look at whether the business should continue may be safer than easy money.
Then a Rhode Island caller asks how to place stocks and bonds across Roth, taxable, and traditional retirement accounts without losing control of overall risk. The answer: treat every account as one portfolio, put tax-inefficient bonds where they fit best, and rebalance primarily inside the IRA when possible.
Finally, they compare a broad Schwab small-cap index with Avantis’s value tilt, explain what a PCRA actually is inside a 401(k), and consider the protections and backdoor-Roth advantages of leaving retirement money in the plan.
1:25 The easy-money trap
2:05 How merchant cash advances work
4:47 Safer sources of business capital
9:43 When to stop funding a struggling business
16:09 Asset location across Roth, IRA, and taxable accounts
24:18 SCHA versus AVUV for small caps
27:34 What a PCRA account really is
Questions? Comments? Click!