Every Saturday I answer questions from readers.

These Q&A emails are meant to slow things down and cut through the noise.

They focus on real investing questions, practical decision-making, and how to think about opportunities in markets that are rarely simple.

If you’ve emailed recently, there’s a good chance your question is addressed below.

Let’s get to it.

My son is 29 and is saving to buy a house in a few years. He has about $20k saved up and has been putting it into a short term CD. I’d like to get him into the stock market to take advantage of this great opportunity in front of us. But what are your thoughts? – John

Great question, John.

A “few years” is right on the line. It’s long enough where some people consider investing, but still short enough that risk really matters.

Because investing always involves risk. Markets don’t move in straight lines, and a downturn at the wrong time can impact funds meant for a near-term goal like a home purchase.

You do have the option to put a portion of those funds to work in the market while keeping the rest protected.

One thing to keep in mind, though – many of the traditionally “safe” stocks are actually the most expensive right now.

That’s why I’d focus on high-quality names with both growth and durability.

The Magnificent 7 is a good place to look. They offer a blend of dominant businesses, strong balance sheets, and exposure to major trends.

Earning 5% on my cash position sounds great. Which broker do you use and which type of account is paying that 5%? – Patti

I use Robinhood Gold. It’s $5 a month and the interest more than covers the cost.

That said, the rate has been cut to 3.35%, so it’s not quite as attractive as it was before.

I'd appreciate an update on Northern Dynasty (NAK). It's moving up again. Wondering if you are reconsidering the stock or not looking back? Thanks. – Doug

Great question, Doug. I debated hard on whether to keep NAK in my Northern Dynasty portfolio.

My decision came down to a conversation I had with Byron King. He’s my go-to expert in the metals and mining space.

Here’s what he said:

I followed NAK for many years and I know the management team. They are victims of targeting by the environmental and fundraising lobbies. Pebble will never get built in our universe. Maybe someday when China rules the world. If you want Alaska, go with Contango (CTGO) and I like the speculation of the Donlin Creek project too – NovaGold (NG).

SMASH/STASH/TRASH CRYPTO UPDATE

I received plenty of crypto suggestions for the next edition of SMASH/SMASH/TRASH.

I’ve said this in previous emails, but I believe crypto should have a place in any diversified portfolio – 5-10%.

Bitcoin and Ethereum should be the core holdings. XRP as a second tier holding. And then altcoins as a third tier option.

Not because I’m convinced these tokens will reshape the financial system.

But because a few might. And when they move, they tend to move fast.

Important Update: Follow The Million Mission on Twitter/X

Big news: I just launched a Twitter/X account so you can follow along with The Million Mission in real time. If you want quicker insights, early reactions to breaking news, and a closer look at how I’m navigating the road to $1 million – this is where I’ll be.

Come hang out, ask questions, and follow the Mission as it happens @DavisPWilson.

Another Important Update: The Million Mission website is live!

I’ve gotten plenty of feedback regarding where to find previous alerts. Well, The Million Mission website is finally live and you can check out archived alerts here.

Portfolio Overview

Here’s what I’m currently holding in The Million Mission portfolio:

Fannie Mae (FNMA) – 2,500 shares @ $7.25/share

Uber Technologies (UBER) – 200 shares @ $80/share

Nvidia (NVDA) – 200 shares @ $179/share