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Submit your spoken questions at talkingrealfmoney.com. This week:

What if "messing around" with a portfolio simply means using Avantis and DFA ETFs?

Are Avantis ETFs reall worth the extra expenses versus Vanguard index ETFs?

What should be done with a portfolio of broket sold Franklin-Templeton funds?

Is there a way to take money out of an IRA early without paying a penalty?

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