Personal finance for smart people by the host of the Dough Roller Money Podcast. Rather than forcing you into a one-size-fits-all financial plan, we discuss the tools, resources, and strategies that will empower you to make the best money decisions for you and your family.
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RBS 147: How to Retire Before Taking Social Security | Bridge the Social Security Gap
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In this episode, we'll examine how to retire before taking Social Security. This is an ideal strategy for many to maximize Social Security retirement benefits. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...Rob Berger tarafından oluşturuldu
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RBS 146: Why Dave Ramsey's 8% Retirement Withdrawal Is So Dangerous (Hint: Sequence of Returns Risk)
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This is a follow-up to my episode on Dave Ramsey's belief that retirees can start with an 8% withdrawal rate, adjust the amount each year by inflation, and be perfectly fine in retirement. The problem that Dave seems to have overlooked is what is known as sequence of returns risk. In his analysis, he uses average market returns and average inflatio…
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RBS 145: 3 Simple Ways to Invest All of Your Money After You Retire
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Target date retirement funds are a simple solution to save for retirement. But what about once you retire? Are there single-fund solutions you can use for all of your investments once you retire? This episode will look at several options for one-fund investments in retirement. Keep in mind that these funds are best suited for tax-advantaged account…
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With the passing of Charlie Munger at the age of 99, I thought it appropriate to share 5 things I've learned from him over the years. Poor Charlie's Almanack: https://amzn.to/4a1JF63 Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...Rob Berger tarafından oluşturuldu
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RBS 143: How to Create Walk-Through Videos of Your Finances For Your Spouse
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In many couples, one person handles the money and the other thinks as little as possible about it. That's certainly true with my wife. To help her, should I pass away, I created what I call the Blue Binder. To supplement the binder, I've started creating videos where I share my computer screen and walk through our finances. This allows me to show h…
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RBS 142: 7 Timeless Investing Principles That Never Change
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Change is everywhere: AI, the climate, interest rates, global conflict, and inflation, to name a few. So often, investors try to predict where all this craziness will take us so they can position their portfolio. Perhaps a better question to ask is what isn't going to change. Here are 7 timeless truths about successful investing that apply no matte…
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RBS 141: The New IRA Gift Annuity--Make A Charitable Contribution & Get A Lifetime Fixed Annuity All In One
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The new Secure Act 2.0 introduced the IRA Gift Annuity starting this year. It allows you to make a one-time charitable contribution out of an IRA for as much as $50,000 and get monthly income for life. Join the newsletter: https://robberger.com/newsletter/?utm...Rob Berger tarafından oluşturuldu
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RBS 140: How Does Your Investment Advisor Compare To A 3-Fund Portfolio
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So you've been using an investment advisor to manage your investments. They have your money in 10, 15, 20 or even more funds! And you start to wonder just how the performance of this absurd portfolio compares to a simple, 2, 3 or perhaps 4 fund portfolio. Here's how to evaluate your advisor's portfolio with a free tool. Join the newsletter: https:/…
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RBS 139: Flexible Spending and Early Retirement: A Perfect Match or Just a Myth?
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Can one retire early if they have the ability to significantly cut back on discretionary spending during retirement if they must? A recent article on the MadFientist blog claims that following a Discretionary Spending Rule in retirement can significantly increase a retirees Safe Withdrawal Rate. And with a higher SWR, one can retire early. Karsten …
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RBS 138: At What Age Should You Claim Social Security? Longevity vs Actuarial Method
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When should you claim Social Security? It's an important question. One study found that retirees have lost $3.4 trillion because they started taking Social Security too early. In this episode we'll look at two strategies. One optimizes Social Security assuming you and your spouse will live long past your life expectancy. The other optimizes the cla…
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RBS 137: Maximizing FDIC Insurance: How to Ensure Your Bank Accounts Are Fully Protected
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With the collapse of SVB and Signature Bank, I've received a lot of questions about FDIC insurance. In this video, we'll cover the basics of how FDIC insurance works. I'll also show you a free tool from the FDIC you can use to calculate your FDIC coverage. Join the newsletter: https://robberger.com/newsletter/?utm... FDIC FAQ: https://www.fdic.gov/…
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RBS 136: Vanguard Class Action Lawsuit Over Target Date Funds to Move Forward
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In December 2020, Vanguard made some changes to its Target Date Funds. The changes benefits large, institutional investors by lowering costs. But it hurt small, retail investors who held target funds in taxable accounts. The result was that in 2021, these small investors got hit with massive capital gains. In response, a class action lawsuit was fi…
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RBS 135: How to Implement the 4% Rule
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A viewer asked me a series of questions about the nuts and bolts of using the 4% Rule. I do my best to respond to his questions in this episode. Join the newsletter: https://robberger.com/newsletter/?utm...Rob Berger tarafından oluşturuldu
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RBS 134: How Much Cash Should You Hold in Retirement?
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Many things change when we retire. There’s the obvious change–we stop working. And there’s a less obvious change–how we approach cash. Before retirement, we might have an emergency fund of three to six months’ worth of living expenses. After retirement, we need cash for so much more. The ideal cash reserve depends on individual circumstances, inclu…
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RBS 133: Decoding The "Chance of Success" In Your Retirement Plan
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You enter your income, expenses, investments, and liabilities into your favorite retirement planner. You click a button, the software does some kind of calculation, and out pops a single number. It may be 87%. Maybe it’s 72%. Or it could be 15%. Whatever the number, you’re told it represents your retirement plan’s “Chance of Success.” What exactly …
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RBS 132: New iBond Rates for May 2024
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The treasury department released the new I Bond rates today. They came in at 4.28%, which included a fixed rate of 1.30%, unchanged from the previous six months. https://treasurydirect.gov/savings-bo... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...Rob Berger tarafından oluşturuldu
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RBS 131: Rewards Stacking: How I Build Wealth with Credit Card Rewards
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Several years ago, I stumbled upon a quote from Dave Ramsey about credit card rewards. I’ll never forget those 11 words. : “No one ever says they got rich off of credit card points.” As I read his words, I knew immediately that he was wrong. One could build wealth through credit card rewards. In this sense, credit card rewards aren’t special. Savin…
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RBS 130: Fidelity vs Vanguard vs Schwab: My Take Having Used All 3 for 20+ Years
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In this episode, we'll look at three of the largest investing platforms, Fidelity, Vanguard, and Schwab. I'll share 7 things based on using these platforms for 20+ years.Rob Berger tarafından oluşturuldu
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RBS 129: Robinhood 3% IRA Match: Gimmick or Gold Mine?
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Robinhood is promoting up to a 3% match on IRA contributions, and for a limited time, a 3% match on IRA transfers. A viewer asked me if I thought this was a good deal. In this video I'll share my thoughts on the program, some of the things to look out for, and why I ultimately decided not to transfer my IRAs to Robinhood. Join the Newsletter. It's …
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RBS 128: 7 Surprising Facts I've Learned About Retirement
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Retirement isn't always a sunny walk in the park. While I have no regrets that I retired in my 50s, it hasn't been without its challenges. Here are 7 lessons learned after four years of retirement. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...Rob Berger tarafından oluşturuldu
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RBS 127: 5 Key Questions to Ask Your Investment Advisor
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In this video we'll look at a portfolio a viewer sent in to me. It's from their investment advisor, and we will be asking 5 key questions about the portfolio that I would ask if an advisor put me in the same portfolio. 1. What's the target asset allocation? 2. Have you made any changes to the target asset allocation? 3. How do you pick the funds to…
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RBS 126: Vanguard Cash Plus Account Compared To The Best Alternatives
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Vanguard recently launched an FDIC-insured account called the Vanguard Cash Plus Account. We'll review this new account, compare it to other FDIC-insured options, and compare it to money market accounts. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...Rob Berger tarafından oluşturuldu
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RBS 125: Dave Ramsey Says the 4% Rule is "Stupid"--8% "Perfectly Comfortable"
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In a recent video answering a caller's question, Dave Ramsey described those promoting the 4% Rule as "stupid," "goobers," and "morons. He described the 4% Rule as stupid and said he's "perfectly comfortable" with an 8% withdrawal rate. In this video, I'll describe his rationale and why I'm "perfectly comfortable" telling him he's wrong. New Retire…
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RBS 124: Is Buy and Hold Investing Dead?
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Is buy and hold investing dead? A recent WSJ article suggests that the set-it-and-forget-it style of investing can't survive the current economic trends. I walk through my thoughts on the article, along with an important memo by value investor Howard Marks. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…
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RBS 123: How and Why To Build A TIPS Ladder In Retirement
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Not long ago investors had to pay the U.S. government for the privilege of owning TIPS. The real yields, that is the yield after factoring in inflation, were negative. Last year, as a phoenix rising, real yields broke above 0%. Today the real yield on 10-year TIPS is about 2.50%. This offers some intriguing options for those in or near retirement. …
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A viewer emailed me asking how to buy gold. He knew I didn't personally invest in gold. But he asked how he might go about investing in gold. So in today's video we'll look at five important questions you must answer when buying gold: 1. Should you buy gold in a retirement or taxable account? 2. Does a gold IRA ever make sense? 3. Should you own ph…
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RBS 121: 7 Steps To Overcoming Fear of Retirement
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7 simple steps anybody can take to address the fear of retiring. Video's Sponsor is New Retirement: https://go.robberger.com/new-retireme... The Retirement Planning Tools I Use: 1. New Retirement (Retirement Planning): https://go.robberger.com/new-retireme... 2. Empower (Investment Tracking): https://go.robberger.com/empower/yt-f... 3. Tiller (Budg…
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RBS 120: 3 Tools to Calculate the True Cost of Investment Fees in Retirement
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Investment fees rob you of your wealth. High investment fees, such as the industry standard 1% of assets under management AUM, can literally cost you hundreds of thousands or even millions of dollars over a lifetime. But what about investment fees once you retire? It turns out that a 1% fee in retirement can significantly lower the chance of succes…
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RBS 119: Morningstar Investor Review | Is It Worth The Cost?
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Morningstar Investor replaces the old Morningstar Premium subscription service for retail investors. It brings a much needed facelift to Morningstar's portfolio tracker. While it offers features that may be valuable to some investors, it still has a long way to go before being the type of tool most investors will find useful for the money. Join the…
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I seem to be fighting a never ending battle against "dividend investing." Don't get me wrong, dividends are an important part of the returns equity investors receive from stocks and stock funds. The problem comes when we misunderstand the nature of dividends and the role they should play in our portfolio. One mistaken belief I see is that dividends…
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RBS 117: Debt Ceiling Crisis
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The debt ceiling crisis is taking us closer to the "X Date," the date the U.S. would start to default on its obligations. Many have asked me what would happen if the unthinkable occurred and the U.S. did in fact default. In this video I'll share four things: 1. A brief history of the debt ceiling 2. Ramifications of a debt ceiling crisis that gets …
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RBS 116: Lump Sum Investing vs Dollar Cost Averaging When Stocks Are Expensive
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We know that dollar cost averaging (DCA) underperforms lump sum investing (LSI) about two-thirds of the time. That's because stocks tend to go up more often than they go down. But does LSI beat DCA when stock market valuations are high compared to historical averages, as they are now? That's the question we cover in this video. Join the newsletter:…
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In this video, I ask ChatGPT some questions about sophisticated investing and retirement topics. Here are a few examples: What is the 3-fund portfolio? Is the 4% Rule still valid? What Fidelity funds can we use to build the 3-fund portfolio? The responses ChatGPT returned were amazing. It's not perfect, but it's very good. And while artificial inte…
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RBS 113: Cash vs Bonds in Retirement
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In this video I'll explain why bonds are a better, long-term investment than cash, particularly for those in retirement. Join the newsletter: https://robberger.com/newsletter/?utm...Rob Berger tarafından oluşturuldu
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RBS 112: My Investment Portfolio in 2023 | Live Q&A
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Today we'll start by looking at my investment portfolio. Then I'll answer your questions. Join the newsletter: https://robberger.com/newsletter/?utm...Rob Berger tarafından oluşturuldu
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RBS 111: Catching Up On Retirement Savings
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Saving for retirement can be a struggle in the best of circumstances. For those 50 or older who have saved little if anything, retirement can seem impossible. In this video I walk through seven concepts, strategies and tools to help those who have gotten a late start save for a comfortable retirement at a reasonable age. Join the newsletter: https:…
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RBS 109: How to Manage Uncertainty in Retirement | Live Q&A
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We'll start tonight with a discussion of how to manage uncertainty when it comes to retirement planning. Then I'll answer your questions. Join the newsletter: https://robberger.com/newsletter/?utm...Rob Berger tarafından oluşturuldu
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RBS 110: What Happens to Our Investments if Schwab, Fidelity or Vanguard Collapse?
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With the recent banking crisis, I've received a lot of emails asking me two related questions. First, what would happen to our investments at a broker if that broker failed. Second, what would happen to an ETF or mutual fund if the company behind the fund failed? We cover both of these questions in today's video. Join the newsletter: https://robber…
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RBS 106: Are Bank Accounts Safer Than T-Bills? | Live Q&A
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We'll start by discussing the relative safety of FDIC-insured bank accounts versus T-bills in light of the debt ceiling. Then I'll take your questions. Join the newsletter: https://robberger.com/newsletter/?utm...Rob Berger tarafından oluşturuldu
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The banking crisis continues, with PacWest and other regional banks struggling in the stock market and to raise capital. The news prompted my mom to text me asking if she should be worried. In this video I answer her questions, covering the following topics. 1. How this banking crisis is different than 2008 2. Whether we should abandon small and re…
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RBS 104: 5 Books I'm Reading About Money & Life | Live Q&A
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I'll start by sharing some excellent books I'm reading right now. Then we'll turn to your questions. The Power Broker: https://amzn.to/3IF9woO Convict Conditioning: https://amzn.to/3XTEeiA Psychology of Money: https://amzn.to/3kgBjTd The Perfectionist's Guide to Losing Control: https://amzn.to/3Kvvko2 Salt, Fat, Acid, Heat: Mastering the Elements o…
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You've found a bank with a great savings or CD rate, but it's in another state and you've never heard of it. Or perhaps you just want to know how safe your existing bank is. In this video we'll cover four free tools you can use to confirm that a bank or credit union is federally insured (FDIC or NCUA) and whether it's financially stable. Join the n…
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RBS 105: AVGE Pros and Cons
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Avantis launched this year a global stock ETF called the Avantis All Equity Markets ETF. In one ETF it can cover the entire stock portion of a portfolio. In this video I'll discuss the pros and cons of this fund from my perspective. Join the newsletter: https://robberger.com/newsletter/?utm...Rob Berger tarafından oluşturuldu
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RBS 103: 0 Percent Credit Cards
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A list of the best 0% APR and balance transfer credit cards: https://www.allcards.com/interest-fre... In this video we'll walk through the strategy my wife and I used to get out of credit card debt many years ago. We used 0% balance transfer cards, which eliminated our interest payments and helped us get out of debt faster and for less money. Join …
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RBS 102: Maxifi Retirement Planner Review
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Maxifi is retirement planning software designed by Boston University professor Larry Kotlikoff. I've spent several days trying out the software, and this video is my review of the tool. There are several things I like about the tool. Data entry is easy. It doesn't require input of detailed investments or even a budget. Beyond housing, it asks for n…
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RBS 101: The 3 Key Components of a Retirement Withdrawal Strategy | Live Q&A
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Tonight we'll start by discussing what makes up a comprehensive retirement withdrawal strategy. Then we'll discuss your questions. Join the newsletter: https://robberger.com/newsletter/?utm...Rob Berger tarafından oluşturuldu
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RBS 100: How to Maximizing Social Security Amid Potential Benefit Cuts
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11:09
The CBO released a report estimating that under current law, Social Security benefits will be cut by 23% in 2034. For those who can claim Social Security between then and now, the potential cut raises an important question. How should the potential cuts affect when you claim social security? In this video we use the free tool Open Social Security t…
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RBS 099: What is the SEC Yield on a Bond Fund? Live Q&A
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We'll start by discussing what's called the SEC Yield of a bond fund. Then we'll turn to your questions. Join the newsletter: https://robberger.com/newsletter/?utm...Rob Berger tarafından oluşturuldu
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For those considering moving their TSP investments to an IRA, here are mutual funds and ETFs that mirror the C Fund, S Fund, I Fund and F Fund of the Thrift Savings Plan. We also look at the G Fund, which doesn't have an alternative. Join the newsletter: https://robberger.com/newsletter/?utm...Rob Berger tarafından oluşturuldu
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RBS 097: The Vanguard Dynamic Spending Rule: A Closer Look at Its Pros and Cons
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The Vanguard Dynamic Spending Rule is one of several retirement withdrawal strategies that use the guardrails concept. The idea, in theory, is to generate a spending plan that has some of the annual spending consistency of the 4% Rule, while at the same time remaining sensitive to market fluctuations. I'll walk through how the rule works, its pros …
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