Questions? Comments?It’s Q&A Day on Talking Real Money, and Don tackles listener questions on everything from crypto and REITs to emergency funds and IRA contributions. He reiterates his firm stance against crypto as an investment, warns about the risks of individual REITs, and supports diversified REIT funds for long-term portfolios. Don also confirms that yes, you can contribute to a Roth for 2024 and a traditional IRA for 2025 in the same calendar year, as long as you stay within annual limits. Emergency cash? A Treasury money market fund like VUSXX is a solid place. And yes—Don really loves Chattanooga.0:24 It's Q&A Day—Don wants more spoken questions2:37 No love for crypto—even with a “strategic reserve”4:43 Crypto isn’t investing, it’s gambling5:30 REITs okay in a fund, but never buy individual REITs8:10 VUSXX is a great place for emergency savings10:15 Yes, you can do a 2024 Roth and 2025 IRA in same year11:54 Watch out for pro-rata tax rules when backdooring RothsLearn more about your ad choices. Visit megaphone.fm/adchoices