In this episode of Two Quants and a Financial Planner, we delve into a diverse range of listener-submitted investing and financial planning questions with special guest Ben Tuscai. We cover the tax efficiency of ETFs compared to mutual funds, the pros and cons of having retirement savings in different account types (Roth, Traditional IRA, taxable), strategies for investing in AI and new technologies, considerations for the current housing market, and the benefits and drawbacks of direct indexing versus ETFs.

00:00 - Introduction
01:14 - Why ETFs are more tax-efficient than mutual funds
05:59 - Pros and cons of having retirement savings in Roth, Traditional IRA, or taxable accounts
11:07 - How the 4% rule applies to different account types
13:40 - Potential 2026 tax changes and their impact on financial planning
22:04 - Strategies for investing in AI and new technologies
28:58 - Considerations for the current housing market: buying, selling, and renting
35:53 - The myth of renting as "burning money"
37:57 - Direct indexing vs. ETFs: benefits, drawbacks, and tax implications
51:01 - The importance of portfolio customization and adherence to investment plans

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