Resources in Episode Morningstar: https://go.robberger.com/morningstar/... Fidelity Article: https://www.fidelity.com/viewpoints/r... Kitces Article: https://www.kitces.com/blog/retiremen... Spend Safely in Retirement Article: https://robberger.com/spend-safely-in... Fidelity HSA App: https://apps.apple.com/us/app/fidelit... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

This week in Five Question Friday (FQF): mega IPOs, sequence of returns risk, RMDs from a bonds-only IRA, Roth conversions after 59 1/2, and VT versus VTI plus VXUS. Question 1: Will the giant IPOs coming in 2026 drain money from the market and depress stock prices? Question 2: Is 20% to 30% in bonds enough protection against sequence of returns risk? Question 3: If you move your IRA entirely into bonds, will RMDs force you to sell bonds when they're down? Question 4: If you're over 59 1/2, ...

In today's video we discuss if we should try to find investments that consistently beat the S&P 500. Resources From Video • You Can’t Win With Money While Your Life I... https://www.spglobal.com/spdji/en/res... https://www.morningstar.com/funds/xna... https://www.morningstar.com/funds/xna... https://www.morningstar.com/etfs/arcx... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

In today's Five Question Friday (FQF) video, we cover these questions: 1. Is the market inevitably going to crash, and how to mitigate 2. When to take SS and investing the early payments 3. Should we even bother tracking portfolio performance? 4. How to calculate how much money you need to retire comfortably 5. Why retirees still need an emergency fund Resources From Video Open Social Security: https://opensocialsecurity.com/ FI Calc: https://ficalc.app/ Boldin: https://go.robberger.c...

In today's Five Question Friday (FQF) episode, we cover these questions: 1. Four golden rules for avoiding financial scams 2. Finding and canceling forgotten subscriptions 3. Sharing passwords and 2FA with your spouse 4. Finding trustworthy help managing finances in old age 5. Are debt consolidation services legitimate? Resources From Video FTC Avoiding and Reporting Scams: https://consumer.ftc.gov/scams ReportFraud.ftc.gov — If you encounter a scam, report it here to help law enforcement ...

In today's episode, we discuss the following: 1. ChatGPT for Finances 2. A free version 3. Whether this is the end of budgeting apps Resources From Video ChatGPT Prompt: Create a beautiful dashboard that shows me my spending by category, a pie chart that I can click on to show which transactions make up that category, and identify any suspicious transactions and also any recurring expenses. Really make the dashboard really pretty. Join the Newsletter. It's Free: https://robberger.com/newsl...

In today's Five Question Friday (FQF) video, we cover these questions: 1. How many years of "safe funds" should you hold beyond guaranteed income? 2. Reducing portfolio risk in retirement when returns aren't needed 3. Budgeting app that syncs the Sam's Club Mastercard 4. Does the 4% rule account for pre-tax vs. after-tax assets? 5. Should you only sell stocks when the market is at record highs? Resources From Video Budgeting Apps: https://robberger.com/best-budgeting-... Monarch Money: htt...

In today's video, we answer the following question: Can the bucket strategy help you generate income and grow your wealth in retirement, even as you're spending money to live on? Retirement Manifesto Articles First Article: https://www.theretirementmanifesto.co... Second Article: https://www.theretirementmanifesto.co... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

In today's Five Question Friday (FQF) video, we cover these questions: 1. Floor & Enjoy Retirement Strategy 2. Target Date Funds 3. Paying Taxes on Roth Conversions 4. Vanguard’s New BondBuilder ETFs 5. Boldin vs. Empower Resources From Video Empower: https://go.robberger.com/empower/yt-fqf Boldin: https://go.robberger.com/boldin/yt-fqf https://longevity.stanford.edu/wp-con... https://robberger.com/spend-safely-in... https://fundresearch.fidelity.com/mut... https://fundresearch.fi...

In this Five Question Friday (FQF) video, we cover these questions: 1. How to teach your significant other to manage the investments? (The Spouse Financial Survival Kit) 1. Start with a One-Pager a. Accounts b. Key Professionals c. Withdrawal Order d. Financial Overview Doc: https://docs.google.com/document/d/1W... 2. Financial Love Letter https://docs.google.com/document/d/1q... &n...