In this episode of The Personal Finance Project, we continue our "Things You Pretend to Know" series by breaking down the key differences between two of the most common investment vehicles: mutual funds and ETFs. Greg and Scott dig into the structure, taxation, and practical use cases of each, helping you understand not just how they work—but when and where to use them. From tax efficiency and capital gains distributions to the creation/redemption mechanisms behind ETFs, this conversation sheds light on why ETFs have grown in popularity and how mutual funds still serve a valuable purpose in retirement accounts. Whether you're a new investor or looking to fine-tune your asset allocation, this episode will help you make smarter, more strategic investment decisions.

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