#  @rob_berger Rob Berger Rob Berger posts on YouTube about retirement, investment, how to, money the most. They currently have [-------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours. ### Engagements: [------] [#](/creator/youtube::UC9C17-OMxa-7oRSaCtztObw/interactions)  - [--] Week [-------] -4.70% - [--] Month [-------] -29% - [--] Months [---------] +1.70% - [--] Year [---------] +75% ### Mentions: [--] [#](/creator/youtube::UC9C17-OMxa-7oRSaCtztObw/posts_active)  - [--] Week [---] +27% - [--] Month [---] -70% - [--] Months [---] +122% - [--] Year [---] +325% ### Followers: [-------] [#](/creator/youtube::UC9C17-OMxa-7oRSaCtztObw/followers)  - [--] Week [-------] +0.34% - [--] Month [-------] +1.40% - [--] Months [-------] +7.70% - [--] Year [-------] +17% ### CreatorRank: [-------] [#](/creator/youtube::UC9C17-OMxa-7oRSaCtztObw/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) 96.77% [financial services](/list/financial-services) #922 [stocks](/list/stocks) 6.45% [currencies](/list/currencies) 4.03% [technology brands](/list/technology-brands) 0.81% [cryptocurrencies](/list/cryptocurrencies) 0.81% **Social topic influence** [retirement](/topic/retirement) #689, [investment](/topic/investment) #3484, [how to](/topic/how-to) 21.77%, [money](/topic/money) 16.13%, [stocks](/topic/stocks) 10.48%, [asset allocation](/topic/asset-allocation) #391, [if you](/topic/if-you) 10.48%, [vanguard](/topic/vanguard) #144, [what is](/topic/what-is) 8.06%, [safe](/topic/safe) 7.26% **Top accounts mentioned or mentioned by** [@robberger](/creator/undefined) [@bergerpaintmadaripur](/creator/undefined) **Top assets mentioned** [Berkshire Hathaway Inc. (BRK.A)](/topic/berkshire-hathaway) [Berkshire Hathaway Inc Class B (BRK.B)](/topic/$brkb) [Robinhood Markets, Inc. (HOOD)](/topic/$hood) ### Top Social Posts Top posts by engagements in the last [--] hours "Lump Sum Investing vs Dollar Cost Averaging When Stocks Are Expensive 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: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources Vanguard Study:" [YouTube Link](https://youtube.com/watch?v=-Z_dIBRqzgY) 2023-04-05T14:05Z 293K followers, 59.3K engagements "3 Smart Alternatives to the 4% Rule (No Initial Safe Withdrawal Rate Required) One of the challenges of the 4% Rule is what your initial safe withdrawal rate should be. While the name of the rule suggests one should start with 4% there are countless reasons why that start point may not be right for you. For example you may retiree early you may not use the same asset allocation the rule was based on you may have concerns about future stock market returns inflation or both. Enter withdrawal strategies that don't require you to use 4% or any other initial safe withdrawal rate. In this video" [YouTube Link](https://youtube.com/watch?v=-jzz9MKJBvw) 2025-06-12T16:51Z 293K followers, 48.4K engagements "Where I'm Keeping My Cash: T-Bills Money Market Funds CDs or Savings Accounts In this video I'll run down several high-yield options for your cash. I'll also discuss where we are keeping our cash today. Bank Bonuses: https://www.allcards.com/best-bank-bonuses/ CD Rates: https://www.allcards.com/cd-rates/ Savings Rates: https://www.allcards.com/savings-accounts/ No-Penalty CD Rates: https://www.allcards.com/no-penalty-cd-rates/ Vanguard Money Market Funds: https://investor.vanguard.com/investment-products/cash-investments Schwab Money Market Funds: https://www.schwab.com/money-market-funds" [YouTube Link](https://youtube.com/watch?v=0Ua_tPaOsGY) 2025-01-22T16:21Z 293K followers, 145.6K engagements "How Long Does the Sequence of Returns Risk Last (FQF) In today's Five Question Friday (FQF) we answer the following questions: [--]. When does Sequence of Returns Risk (SORR) end [--]. What is the 4-Year Rule of Retirement Ruin [--]. How to overcome the fear of spending your savings in retirement [--]. How does OBBBA change Roth conversion analysis [--]. Should you do Roth Conversions or Take Distributions from an IRA *Resources* Morningstar SORR Article: https://www.morningstar.com/retirement/how-avoid-outliving-your-retirement-savings-its-all-sequence Kitces SORR Article:" [YouTube Link](https://youtube.com/watch?v=1KCll-96I0g) 2025-08-08T17:30Z 293K followers, 45.4K engagements "The Ultimate Retirement Checklist In today's video we cover my Ultimate Retirement Checklist: [--]. Healthcare a. Fidelity Article: https://www.fidelity.com/viewpoints/retirement/transition-to-medicare [--]. Start learning about Medicare a. Free Medicare Book: https://drive.google.com/file/d/1Hqs4v7wLCjhh5ohWVVSNTs2HsGz9nufD/viewusp=sharing b. Interview with Ari Parker: https://www.youtube.com/watchv=RlBmPB7Dexw [--]. Understand IRMMA brackets a. IRMMA Brackets: https://secure.ssa.gov/poms.nsf/lnx/0601101020 [--]. Track Expenses a. https://robberger.com/best-budgeting-apps/ [--]. Calculate Your Burn Rate 6." [YouTube Link](https://youtube.com/watch?v=25T97-6GywE) 2026-01-15T10:55Z 293K followers, 54K engagements "7 Reasons to Never Ever Retire (even if you can) Early retirement is for many the holy grail of financial freedom. And yet one study found that 37% of those surveyed regretted retiring when they did. They wish they had worked longer. Having retired and then unretired three times I've come to believe that there is a strong case to be made for never retiring. So in this video we walk through the following severn reasons why one should NEVER retire: 0:00: Never Retire 0:58: [--]. It's OK to Never Retire 2:21: [--]. You can do work you love 4:02: [--]. Work can be lifestyle friendly 5:18: [--]. Social" [YouTube Link](https://youtube.com/watch?v=2QOGNOhN35o) 2023-07-12T00:38Z 293K followers, 233.2K engagements "100% Stock Portfolio--Is it ever a good idea 100% Stock Portfolio--Is it ever a good idea With bond yields at historic lows more investors seem to be moving to a 100% stock portfolio. In this video we'll examine an all stock investment strategy for both long-term investors AND those already in retirement. Believe it or not at least one study has concluded that a 100% stock portfolio IN RETIREMENT has the lowest failure rate and highest average balance [--] years after retirement. Resources mentioned in video: Vanguard returns by asset allocation:" [YouTube Link](https://youtube.com/watch?v=3TbOKJibpy8) 2021-07-16T11:23Z 293K followers, 135.7K engagements "The Best Finance Tools for Retirees In today's Five Question Friday (FQF) video we look at these five questions: [--]. What are the best financial tools for retirees [--]. What happens if my HSA balance exceeds my medical receipts [--]. Do dividends count toward my annual withdrawal rate [--]. Should the way we invest change when we retire [--]. Why does Warren Buffett think cash and bonds are bad investments *Resources* Budget Apps: https://robberger.com/best-budgeting-apps/ Retirement Planners: https://robberger.com/best-retirement-calculators/ Boldin: https://go.robberger.com/boldin/yt-fqf ProjectionLab:" [YouTube Link](https://youtube.com/watch?v=3gsLyqgubHM) 2025-10-24T20:06Z 293K followers, 52.2K engagements "5 Hidden Costs of Fee-Only Advisors Fee-only financial advisors are fiduciaries. They must make recommendations that are in your best interest. Yet those fee-only advisors who charge a percentage of the assets they manage for you are not conflict-free. In fact the fee arrangement creates [--] hidden costs that you should be aware of before hiring an advisor. We'll also talk about a better alternative to a percentage of AUM arrangements. Tools Discussed in this Video: Empower: https://go.robberger.com/empower/yt-hidden-costs FICalc: https://ficalc.app/ *Join the Newsletter. It's Free:*" [YouTube Link](https://youtube.com/watch?v=3smhXJ0V-OA) 2024-06-09T10:42Z 293K followers, 86.1K engagements "VOO vs. VTI: S&P [---] Index versus Total Stock Market Index Fund VOO vs. VTI--S&P [---] Index versus Total Stock Market Index Fund⛱ ATF Text: ATF URL Click "Show More" to see Ad Disclosure Morningstar Series: https://www.youtube.com/watchv=qRfRqtCMMOE&list=PLAgmi7U5UiBVyKoLiGrZz-AN8SVTnNCai 3-Fund Portfolio: https://robberger.com/3-fund-portfolio Tools & Resources 📚 My Book (of course): https://amzn.to/2MsRJ9B 💰 Personal Capital: https://go.robberger.com/empower/yt- ✅ Free Investment Tracking Spreadsheet:" [YouTube Link](https://youtube.com/watch?v=4DZtkENquYw) 2021-04-26T15:12Z 293K followers, 373.5K engagements "Fidelity Contrafund Review Growth vs Value Active vs Passive Investing The Fidelity Contrafund (FCNTX) is a popular growth stock fund. In this video we take a deep dive on the fund to see if it's worth adding to our investment portfolio. In the process we'll look at growth vs value stock investing active vs passive funds and how to evaluate a fund's performance. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources Fidelity Contrafund:" [YouTube Link](https://youtube.com/watch?v=4mS8M6qIZQc) 2022-01-17T17:31Z 293K followers, 35.9K engagements "My Honest Opinion on Coast FIRE I get the appeal but I couldnt do it. Stopping saving for 10+ years and hoping for 8% returns Too many unknowns but its not unreasonable if you understand the risks. Here's what to consider. #RetirementPlanning #FinancialPlanning #Retirement #CoastFIRE #FIRE" [YouTube Link](https://youtube.com/watch?v=60Ao3g_dWC8) 2025-12-12T19:30Z 293K followers, 26.8K engagements "What Happens to Bond Funds When the Fed Cuts Rates (FQF) In today's Five Question Friday (FQF) video we cover these questions: [--]. What Happens To Bond Funds When the Fed Cuts Rates [--]. Where to Invest If Stocks Are a No-go [--]. How are Mutual Fund Sales Taxed [--]. Should Annuities Replace Bonds [--]. Brokerage Account vs Roth IRA *Resources* - Snowball-Analytics: https://go.robberger.com/snowball-analytics/yt-fqf - [--] Year Treasury & Fed Fund Rate: https://fred.stlouisfed.org/series/T10YFF - VTINX: https://investor.vanguard.com/investment-products/mutual-funds/profile/vtinx - FTBFX:" [YouTube Link](https://youtube.com/watch?v=8c2lcXgcgqI) 2025-12-12T11:01Z 293K followers, 49.6K engagements "The One-Page Financial Plan Every Spouse Needs (FQF) In today's Five Question Friday (FQF) video we cover these questions: [--]. How to teach your significant other to manage the investments (The Spouse Financial Survival Kit) [--]. Start with a One-Pager a. Accounts b. Key Professionals c. Withdrawal Order d. Financial Overview Doc: https://docs.google.com/document/d/1Wb-7oXThIMJD9fzqSELZmsl01kFAu_4S/editusp=sharing&ouid=112866832855513642388&rtpof=true&sd=true [--]. Financial Love Letter" [YouTube Link](https://youtube.com/watch?v=9MkbQbjaZKs) 2026-02-13T13:10Z 293K followers, [----] engagements "Does Anyone REALLY Follow the 4% Rule Ive only met one person who says he follows it the creator himself Bill Bengen. But even he tweaks it Markets change inflation changes life changes. #RetirementPlanning #FinancialPlanning #Retirement #4PercentRule" [YouTube Link](https://youtube.com/watch?v=E-R7I3JUH0E) 2025-12-24T19:31Z 293K followers, 20.8K engagements "Avantis All Equity Market ETF (ticker: AVGE) Pros and Cons 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_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources AVGE: https://www.avantisinvestors.com/avantis-investments/avantis-all-equity-markets-etf/ Avantis White Paper on Investment Strategy (via Wayback Machine):" [YouTube Link](https://youtube.com/watch?v=E8A3sUIP5BU) 2022-12-13T21:13Z 293K followers, 15K engagements "Should Cash Replace Bonds In A Retirement Portfolio With cash earning 5% or more and intermediate-term bonds earning less than 5% many have asked me if they should move all of their fixed-income portfolios to T-bills. In this video I share why I think that would be a big mistake. Resources: Savings Accounts: https://www.allcards.com/savings-accounts/ Fidelity Fixed Income Rates: https://fixedincome.fidelity.com/ftgw/fi/FILanding 10-year / 2-year Treasury Spread: https://fred.stlouisfed.org/series/T10Y2Y History of Inverted Yield Curve:" [YouTube Link](https://youtube.com/watch?v=IOQWOWjM_hQ) 2024-07-10T14:39Z 293K followers, 113.4K engagements "Retirement Cash Strategy: The Questions That Matter A CD ladder can be a great tool. But before switching strategies consider your spending needs penalties time horizon and what role this money playsessential spending or optional fun #RetirementPlanning #FinancialPlanning #Retirement" [YouTube Link](https://youtube.com/watch?v=ITBNIWlTbcM) 2026-01-02T19:30Z 293K followers, 20.1K engagements "Traditional vs Roth 401k: The Optimal Strategy Choosing between traditional and Roth 401k contributions is difficult. It forces us to make a guess about our taxes years or even decades from now. In this video we'll discuss some of the factors that can affect this decision. And then I'll share one strategy that may make the decision much easier. New Retirement: https://go.robberger.com/new-retirement/yt-traditiona-roth *Join the Newsletter. It's Free:* https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube *Financial tools I use:* *I" [YouTube Link](https://youtube.com/watch?v=KUbOtplvBhU) 2024-05-31T14:18Z 293K followers, 69.6K engagements "A Look Inside My Simplified Investment Portfolio In this video I'll answer the following question from a viewer: "I would like to ask if you can do a video on the current specific funds you are invested in You did a video a while back about your [--] funds but now you mentioned in a recent video that you simplified and are down to [--] or [--] funds. I was thinking of mirroring your [--] fund plan but now I see you have simplified which is why I am asking if you can do a new video going over your new [--] fund plan." *List of my investments* VTINX:" [YouTube Link](https://youtube.com/watch?v=KfmejbMFGb0) 2025-11-19T13:48Z 293K followers, 99.6K engagements "How to Use Monarch Money (Full [----] Guide) I use Monarch Money to manage our budget and expense tracking. In this video I'll work through Monarch covering the features I use the most. If you want to try Monarch you can get 50% off the first year's subscription using the promo code ROB50 and this link: https://go.robberger.com/monarch-rob50/yt-review. Monarch is an advertiser meaning I earn a fee if you sign up for the app. They are not however a sponsor of this video or my channel. My views of the Monarch Money app are my own. If you want to see other budgeting apps I love you can do that" [YouTube Link](https://youtube.com/watch?v=KpB_SgsBFd8) 2025-09-23T13:12Z 293K followers, 57.9K engagements "50+ and Haven't Saved for Retirement Here's What to Do Saving for retirement can be a struggle in the best of circumstances. For those [--] 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://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B Empower:" [YouTube Link](https://youtube.com/watch?v=LJ0i2dCXZoI) 2023-04-07T17:46Z 293K followers, 165.4K engagements "Are Bonds a Better Deal Than Stocks Today (FQF) In today's Five Question Friday (FQF) we cover these questions: [--]. Are bonds a better deal than stocks today [--]. How should RMDs affect our investment decisions [--]. What is the efficient frontier and how can it help me invest [--]. How to factor illiquid investments into your asset allocation [--]. Are short-term bonds better than intermediate-term bonds in a diversified portfolio *Resources* Portfolio Visualizer: https://www.portfoliovisualizer.com/ Testfolio: https://testfol.io/ Vanguard Study:" [YouTube Link](https://youtube.com/watch?v=MVMOvj-TZr0) 2025-09-05T16:04Z 293K followers, 70.8K engagements "Does the Avantis Small Cap Value ETF (AVUV) Belong in Your Portfolio Today we look at the Avantis Small Cap Value ETF ticker AVUV. This is a low cost actively managed ETF. Its benchmark is the Russell [----] Value index. Avantis then focuses on companies it believes offer the best chances of outperforming. The result is a fund that tilts more to small cap and value than a lot of funds that simply track an index. The big question is whether AVUV deserves a place in our portfolios. Join the newsletter:" [YouTube Link](https://youtube.com/watch?v=MdShSQcScsk) 2022-07-03T11:21Z 293K followers, 40.4K engagements "Index Funds are for LOSERS (Seriously) Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Index funds like an S&P [---] index fund will underperform other investments each and every year. It will underperform countless stocks and even other actively managed ETFs and mutual funds. To build wealth you have to be willing to accept that other investors will outperform your portfolio each and every year. The good news is that you'll likely outperform them every decade. #indexfunds #investing #RobBerger Tools &" [YouTube Link](https://youtube.com/watch?v=Op2Vo0rBsHE) 2021-08-23T18:47Z 293K followers, 457K engagements "Vanguard Cash Plus Account Compared To The Best Alternatives 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. Resources Mentioned in the Video: Vanguard Cash Plus Account: https://investor.vanguard.com/accounts-plans/vanguard-cash-plus-account Vanguard Money Market Accounts: https://investor.vanguard.com/investment-products/money-markets Fidelity Money Market Accounts: https://fundresearch.fidelity.com/mutual-funds/summary/31617H102" [YouTube Link](https://youtube.com/watch?v=PEOaT8W0ptE) 2024-01-19T19:46Z 293K followers, 263.1K engagements "Vanguard Announces New Fees (Except for the Rich) Vanguard just announced a slate of new fees on everything from getting help buying Vanguard funds to transferring accounts away from Vanguard. If you have at least $1 million or $5 million at Vanguard some fees are waived. Here are the new fees: **Broker-assisted commission**: A $25 broker-assisted commission will be charged for each Vanguard mutual fund and Vanguard ETF (exchange-traded fund) trade placed over the phone and for closing transactions placed by Vanguard Brokerage Services to cover a margin call or satisfy an outstanding debt" [YouTube Link](https://youtube.com/watch?v=QLBZoqTtQZ4) 2024-05-02T11:54Z 293K followers, 223.9K engagements "The Hidden Cost of Preparing For the Next Stock Market Crash Live Q&A *Join the Newsletter. It's Free:* https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube *Financial tools I use:* *I track all of my investments performance fees and asset allocation with Empower. It's Free:* https://go.robberger.com/empower/yt- *I use Monarch Money to manage our budget:* https://go.robberger.com/monarch-yt/yt-desc *My retirement plan comes from Boldin the most robust retirement planner available at a reasonable cost:*" [YouTube Link](https://youtube.com/watch?v=R1FEVGLlJdc) 2025-10-20T20:53Z 293K followers, 39.5K engagements "What Is The True Cost of a 1% AUM Investment Fee When evaluating fees charged by investment advisors should we look only at the actual dollars spent or should we evaluate the long-term effect these fees have on our wealth That's the question I address in this video. Kitces Article: https://www.kitces.com/blog/financial-advisor-costs-fees-aum-fee-only-high-new-worth-ramit-sethi-facet/ My Response: https://robberger.com/how-should-we-evaluate-financial-planning-fees/ Hourly and Flat Rate Advisors: https://robberger.com/low-cost-financial-advisors/ *Join the Newsletter. It's Free:*" [YouTube Link](https://youtube.com/watch?v=RYVxUe1tASo) 2024-10-31T13:51Z 293K followers, 36K engagements "7 Golden Rules of Retirement Withdrawal Strategies Retirement withdrawal strategies are about a lot more than just the 4% rule or safe withdrawal rates. To better understand how they work and how you can apply them to your retirement this video walks through [--] rules I follow when it comes to spending down your investments in retirement. *Join the Newsletter. It's Free:* https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Ben Felix Video: https://www.youtube.com/watchv=QGzgsSXdPjo Rising Equity Glide Path:" [YouTube Link](https://youtube.com/watch?v=RexviiNL24g) 2025-03-18T14:07Z 293K followers, 83K engagements "5 Money Books That Could Change Someone's Life Live Q&A These [--] books would make a great gift for the holidays: [--]. Retire Before Mom and Dad: https://amzn.to/3L2Vl0M [--]. Mastery by George Leonard: https://amzn.to/4pFDg8h [--]. Your Money or Your Life: https://amzn.to/3XX51No [--]. Atomic Habits: https://amzn.to/4oWZktJ [--]. Poor Charlie's Almanack: https://amzn.to/3KJqQNn *Join the Newsletter. It's Free:* https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube *Financial tools I use:* *I track all of my investments performance fees and asset" [YouTube Link](https://youtube.com/watch?v=SGWdAGjlHvM) 2025-12-16T00:03Z 293K followers, 23.7K engagements "How Would Your Retirement Plan Survive a Stock Market Crash Live Q&A *Join the Newsletter. It's Free:* https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube *Financial tools I use:* *I track all of my investments performance fees and asset allocation with Empower. It's Free:* https://go.robberger.com/empower/yt- *I use Monarch Money to manage our budget:* https://go.robberger.com/monarch-yt/yt-desc *My retirement plan comes from Boldin the most robust retirement planner available at a reasonable cost:*" [YouTube Link](https://youtube.com/watch?v=SJseCqHNbIc) 2025-07-21T21:03Z 293K followers, 31.5K engagements "Robinhood 3% IRA Match: Gimmick or Gold Mine 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. Robinhood Match Details: https://go.robberger.com/robinhood-retirement/yt Robinhood Match FAQ: https://robinhood.c3me6x.net/c/186137/1541113/10402u=https%3A%2F%2Frobinhood.com%2Fus%2Fen%2Fsupport%2Farticles%2Fira-match-faq%2F *Join" [YouTube Link](https://youtube.com/watch?v=TPAsO58C0H4) 2024-03-28T18:38Z 293K followers, 182.6K engagements "5 Ways to Rebalance Your Portfolio (And a Free Rebalancing Tool) What is the best approach to rebalancing In this video we'll look at a recent article that tested four different approaches. I'll share a fifth approach and share a free tool you can use to test the different approaches. I'll also share my approach to rebalancing. Portfolio Rebalancing Article: https://go.ycharts.com/hubfs/What_is_the_Optimal_Portfolio_Rebalancing_Strategy_Guide.pdf Video: https://www.youtube.com/watchv=KBVAuL6NfpI Alternative Rebalancing Approach:" [YouTube Link](https://youtube.com/watch?v=TaphQbAoRlw) 2025-04-24T14:08Z 293K followers, 26.2K engagements "The Warren Buffett Portfolio -- [--] Index Funds to Rule Them All The Warren Buffett Portfolio -- [--] Mutual Funds to Rule Them All⛱ M1 Finance Buffett Portfolio: https://go.robberger.com/warren-buffett-portfolio Click "Show More" to see Ad Disclosure M1 Finance Warren Buffett Portfolio: https://go.robberger.com/warren-buffett-portfolio/yt- [----] Berkshire Shareholder letter: https://www.berkshirehathaway.com/letters/2013ltr.pdf Portfolio Visualizer: https://www.portfoliovisualizer.com/ Academic Research: https://web.iese.edu/jestrada/PDF/Research/Refereed/Buffett-AA.pdf Tools & Resources 📚 My" [YouTube Link](https://youtube.com/watch?v=VYr1qjrFgsc) 2021-03-31T19:07Z 293K followers, 311.8K engagements "Does the Mag-7 Make a 3-fund Portfolio Too Risky (FQF) In today's Five Question Friday (FQF) video we cover these questions: [--]. Does the Mag-7 make a 3-fund portfolio too risky [--]. Should you invest differently in retirement [--]. Should you max out retirement accounts before investing in a taxable account [--]. Should you create a long-term care fund [--]. Can a non-working spouse contribute to an IRA Resources From Video https://www.voronoiapp.com/markets/The-SP-500-Is-Getting-More-Concentrated--4176 Boldin: https://go.robberger.com/boldin/yt-fqf IRS:" [YouTube Link](https://youtube.com/watch?v=Vg2xTBW8Yh4) 2026-01-10T13:02Z 293K followers, 40.4K engagements "How And Why To Build A TIPS Ladder In Retirement 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. Treasury Inflation-Protected Securities or TIPS for short are U.S. government bonds whose principal amount adjusts for inflation. They are as close a sure thing as an investor can get. Of course there is" [YouTube Link](https://youtube.com/watch?v=WMSOdk9Ga_Q) 2023-10-23T17:12Z 293K followers, 96.7K engagements "Why I'm Leaving My Bank for the Fidelity Cash Management Account I've decided to move most of our checking account funds to the Fidelity Cash Management Account. In this video I'll walk through why I'm making this move. Fidelity CMA: https://www.fidelity.com/spend-save/fidelity-cash-management-account/overview Fidelity SPAXX: https://fundresearch.fidelity.com/mutual-funds/summary/31617H102 Finance Buff Article 1: https://thefinancebuff.com/fidelity-cash-management-checking-savings.html Finance Buff Article 2: https://thefinancebuff.com/best-fidelity-money-market-fund-your-tax-rates.html *Join" [YouTube Link](https://youtube.com/watch?v=XD7pHhO5oSw) 2024-08-12T14:06Z 293K followers, 1.2M engagements "How To Use Excel + Claude To Replace Your Budget App Live Q&A *Join the Newsletter. It's Free:* https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube *Financial tools I use:* *I track all of my investments performance fees and asset allocation with Empower. It's Free:* https://go.robberger.com/empower/yt- *I use Monarch Money to manage our budget:* https://go.robberger.com/monarch-yt/yt-desc *My retirement plan comes from Boldin the most robust retirement planner available at a reasonable cost:* https://go.robberger.com/boldin/yt- *I" [YouTube Link](https://youtube.com/watch?v=YAv0Efy3TGs) 2026-02-09T20:06Z 293K followers, 19K engagements "Are Growth Stocks Best for a Roth IRA (FQF) We look at the following questions in today's Five Question Friday: [--]. Are growth stocks best for Roth IRAs [--]. How should you pay taxes on retirement account withdrawals [--]. How should you invest in retirement if you are scared of the stock market [--]. What's the ideal set-it-and-forget-it retirement portfolio [--]. Should you withdrawal cash from investment accounts to create an emergency fund Schwab RMD article: https://www.schwab.com/go-digital/rmd *Join the Newsletter. It's Free:*" [YouTube Link](https://youtube.com/watch?v=ZAb1kaRtUuk) 2025-06-14T01:27Z 293K followers, 54.9K engagements "RMD Age To Jump To [--] The spending package that is expected to be signed into law this week contains some big changes to 401(k) retirement accounts. One of the big changes is an increase in the Required Minimum Distribution age to [--]. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources NYT Article: https://www.nytimes.com/2022/12/20/your-money/spending-bill-401k-retirement-savings.html WSJ Article: https://www.wsj.com/articles/401k-changes-retirement-plans-congress-11671482120 Investing Tools My" [YouTube Link](https://youtube.com/watch?v=ZHZqNKPkT5U) 2022-12-21T22:09Z 293K followers, 21.9K engagements "A Better [--] Bucket Strategy Today we look at how the [--] bucket strategy and [--] bucket strategy are fundamentally different. Then I cover what I think is a better [--] bucket strategy. Video Resources New Retirement: https://go.robberger.com/new-retirement/yt-better-bucket-strategy Vanguard Model Portfolios: https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation Best Money Market Accounts: https://www.allcards.com/money-market-accounts/ Best Savings Accounts: https://www.allcards.com/best-savings-account-rates/ Best CDs:" [YouTube Link](https://youtube.com/watch?v=aYMJqnUaaME) 2023-08-03T20:35Z 293K followers, 152K engagements "Do RMDs Beat the 4% Rule as the Best Retirement Withdrawal Strategy Today we look at a retirement spending strategy called the Spend Safely in Retirement Strategy. The Standard Center on Longevity published a paper in [----] describing this approach which was updated in [----]. SSiRS uses just Social Security and RMD calculations for retirement withdrawals. It can be adapted to Roth and taxable accounts as well as to those who retire before RMDs start. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video" [YouTube Link](https://youtube.com/watch?v=aZJCHkvwvAU) 2023-07-20T17:17Z 293K followers, 78.7K engagements "The Bond Funds I Use To Protect My Retirement Portfolio (FQF) Welcome back to another edition of Five Question Friday (FQF). Here are today's questions: [--]. what bond funds do I use in my portfolio [--]. Do you really need an emergency fund [--]. How does living off interest work with Bengen's 4% rule [--]. How to track money market funds in my investment tracking spreadsheet [--]. Are money market funds better than intermediate-term bond funds Resources: Big ERN article: - https://earlyretirementnow.com/2016/05/05/emergency-fund/ Bengen article:" [YouTube Link](https://youtube.com/watch?v=altEBVL1sc8) 2025-02-14T14:50Z 293K followers, 195.3K engagements "Claim Social Security at [--] and Invest the Money--Good or Bad Idea Several viewers have recently asked me whether it makes sense to claim social security at [--] if you plan to invest the money. At first it seems like a solid strategy. While your monthly benefit will be lower you get years of investment returns you'd otherwise forfeit. It turns out however that the issue is a bit more complex. First depending on your investment returns claiming social security at [--] may or may not turn out in your favor. The arguably more important issue however is taxes. Claiming social security at [--] could" [YouTube Link](https://youtube.com/watch?v=cJw5X2s_czg) 2022-02-11T18:26Z 293K followers, 53.8K engagements "The Secret Cost of Mutual Funds and ETFs A fund's expense ratio is not the only fee investors pay to invest in a mutual fund or ETF. You also must pay the fund's transaction costs it incurs when buying and selling stocks and bonds. And these transaction fees are not part of the expense ratio. The good news for index fund investors is that these passively managed funds incur far fewer transaction costs than actively managed funds. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Investing Tools My Book" [YouTube Link](https://youtube.com/watch?v=dvA4JDpuXYQ) 2023-01-18T17:31Z 293K followers, 78.7K engagements "Fidelity vs Vanguard vs Schwab: My Take Having Used All [--] for 20+ Years Today we'll look at three of the largest investing platforms Fidelity Vanguard and Schwab. I'll share [--] things based on using these platforms for 20+ years. Tools mentioned in the video: Empower: https://robberger.com/tools/empower/ Kubera: https://robberger.com/tools/kubera/ Stock Rover: https://robberger.com/tools/stock-rover/ Full View: https://www.fidelity.com/go/monitoring-your-financial-portfolio *Join the Newsletter. It's Free:*" [YouTube Link](https://youtube.com/watch?v=eCWDPR8rk3c) 2024-04-07T11:25Z 293K followers, 731.1K engagements "Can the Bucket Strategy Eliminate Sequence of Returns Risk A viewer named Bill emailed me today about the bucket strategy. He has watched my videos on the bucket strategy and understands why I don't recommend it. He wants to know if the traditional approach of a total return portfolio with annual rebalancing negates the sequence of returns risk. It's a great question and I share my perspective in today's video. Video Resources FICALC: https://robberger.com/tools/ficalc/ Kitces article:" [YouTube Link](https://youtube.com/watch?v=gVYThVn5gQA) 2024-02-23T19:51Z 293K followers, 60K engagements "2025 Year-End Investment Portfolio Review In this [----] Year-End Investment Portfolio Review we cover the following topics: [--]. Asset Allocation a. Diversification / changes b. Rebalancing [--]. Simplification [--]. Beneficiaries [--]. Performance [--]. Tax Loss or Gain Harvesting [--]. Fees a. Fund fees b. Advisor fees [--]. Evaluate Your Performance a. Did you buy/sell anything b. What worried you during the year *Resources From Video* Empower: https://go.robberger.com/empower/yt-yearend Kubera: https://go.robberger.com/kubera/yt-yearend Snowball Analytics:" [YouTube Link](https://youtube.com/watch?v=hbXAmQqR8oI) 2025-12-23T13:37Z 293K followers, 59.7K engagements "The Ideal Stock/Bond Allocation Based on Your Age In this video we'll look at a simple formula to help investors determine the stock and bond allocation percentages based on their age. Sponsor: https://go.robberger.com/new-retirement/yt-stock-bond-allocation Vanguard Model Portfolio Returns: https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation Bengen's [----] Paper: https://kyestates.com/wp-content/uploads/2015/02/Bengen1.pdf Bengen's [----] Paper: http://www.simonemariotti.com/downloads/Papers%20finanziari/Bengen%2096.pdf 0:00 - The Ideal Stock/Bond" [YouTube Link](https://youtube.com/watch?v=iDyIloOsjCg) 2023-08-09T18:42Z 293K followers, 163.4K engagements "The 3-Fund Portfolio: [--] Myths Everyone Gets Wrong The 3-Fund Portfolio is an excellent low-cost way to invest at any age and with any amount of wealth. And yet several myths and misconceptions still persist about this simple yet sophisticated portfolio. So in this video I tackle [--] of those myths. My 3-Fund Portfolio Video: https://www.youtube.com/watchv=kmw8OpGp2rM Empower: https://go.robberger.com/empower/yt-myths Bogleheads [--] Fund Portfolio: https://www.bogleheads.org/wiki/Three-fund_portfolio VTI: https://www.morningstar.com/etfs/xmex/vti/portfolio VXUS:" [YouTube Link](https://youtube.com/watch?v=iXMm4z12YkA) 2025-09-17T14:15Z 293K followers, 60.4K engagements "How Id Invest a 401k Rollover Today A viewer named Amy asked me the following question about investing a 401(k) rollover: What specific funds would you recommend for NEWLY RETIRED individuals (about to roll over their 401K to an IRA) who are clients at FIDELITY In this video I'll answer Amy's question with several suggestions of both mutual funds and ETFs you might want to consider for your retirement portfolio. *Join the Newsletter. It's Free:* https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Resources Mentioned in Video" [YouTube Link](https://youtube.com/watch?v=izxbDnZeOmI) 2025-04-02T14:44Z 293K followers, 45.6K engagements "ProjectionLab Review Financial Planning Software Today we take a detail look into a fairly new financial planning software called Projection Lab: https://go.robberger.com/projectionlab. As you'll see the tool offers a lot of features and an excellent user interface for a reasonably price. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources ProjectionLab: https://go.robberger.com/projectionlab Investing Tools My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B Personal Capital" [YouTube Link](https://youtube.com/watch?v=k0iEIfMxBEc) 2022-11-03T11:54Z 293K followers, 58.8K engagements "Bond Investing 101--A Beginner's Guide to Bonds Bond Investing 101--A Beginner's Guide to Bonds Most investors include bond ETFs or mutual funds in their portfolio. Yet do we really understand how bonds work. For example when interest rates go up the value of existing bonds go down. Why And are all bonds more or less the same These are important questions for investors particularly those near or in retirement. For retirees like myself we tend to invest more of our portfolio in bonds and fixed income. We better know what we are doing. In this video I'll cover everything you need to know to" [YouTube Link](https://youtube.com/watch?v=kPTdUZpBlj8) 2021-07-18T11:33Z 293K followers, 371.7K engagements "How to Create a [--] Fund Portfolio A Beginner's Guide Sallie Mae 14-Month No-Penalty CD now at 2.50% (via SaveBetter): https://go.robberger.com/sallie-mae-14-no-penalty-cd/yt- 3-Fund Portfolio: https://go.robberger.com/3-fund-portfolio/yt- 4-Fund Portfolio: https://go.robberger.com/4-fund-portfolio/yt- 5-Fund Portfolio: https://go.robberger.com/5-fund-portfolio/yt- 6-Fund Portfolio: https://go.robberger.com/6-fund-portfolio/yt- M1 Finance: https://go.robberger.com/m1finance/yt- Tools & Resources 📚 My Book (of course): https://amzn.to/2MsRJ9B ✅ Personal Capital:" [YouTube Link](https://youtube.com/watch?v=kmw8OpGp2rM) 2021-02-23T21:31Z 293K followers, 570.3K engagements "Where Is the Best Place to Park cash Today (FQF) In today's Five Question Friday (FQF) video we cover these questions: [--]. Where is the best place to park cash today [--]. Should you invest or pay off student loans [--]. Are Schwabs Target Date Retirement Funds a solid option [--]. When should you start spending your IRA money [--]. Should a TIPS ladder be part of a retirement portfolio *Resources From Video* Aura: https://go.robberger.com/aura/yt-fqf (Up to 53% Off) Vanguard MMF (VMFXX): https://investor.vanguard.com/investment-products/mutual-funds/profile/vmfxx Vanguard (VBIL):" [YouTube Link](https://youtube.com/watch?v=lHQtTDHzp4A) 2025-12-19T13:50Z 293K followers, 149.3K engagements "A Simple Way to Leave Your Financial Advisor to Invest On Your Own Without Fear (FQF) In today's episode of Five Question Friday (FQF) we start with a strategy you might consider if you want to leave your expensive financial advisor but you are afraid of going it alone. Here are all the questions in today's show: [--]. How to leave your financial advisor [--]. TIPS ladder vs BND [--]. Are Target Date Funds a Reasonable Option [--]. If a person has over $250000 in a Fidelity account should they open up another account - say with Vanguard Schwab M1 Finance or perhaps another brokerage - elsewhere as well" [YouTube Link](https://youtube.com/watch?v=ljwYynr_Di4) 2025-01-17T20:50Z 293K followers, 77.5K engagements "Empower Problems Explained - Whats Going On and the Best Alternatives Empower is one of my favorite all-in-one financial tools but its recent migration caused headaches for a lot of users. Heres whats happening why its such a challenge to find a true replacement and a few tools that come close. Tools mentioned in this video: Empower: https://go.robberger.com/empower/yt-emplower-alt Simplifi: https://go.robberger.com/simplifi/yt-empower-alt Monarch: https://go.robberger.com/monarch-rob50/yt-emplower-alt (use promo code ROB50 for 50% off the first year) Origin:" [YouTube Link](https://youtube.com/watch?v=m4IBOOD_qvw) 2025-11-04T21:22Z 293K followers, 27K engagements "How to Safely Spend More Money in Retirement The Ratcheting Rule The 4% Rule is designed with one goal in mind--to give retirees the best chance of not running out of money over a 30-year retirement. In most cases however a retiree ends up with significantly more money after [--] years of following the 4% Rule. In some cases 6x what they started with The Ratcheting Rule developed my Michael Kitces is designed to increase spending throughout retirement if market returns and inflation turn out to be favorable. Join the newsletter:" [YouTube Link](https://youtube.com/watch?v=mZO-A9-Xe9g) 2023-04-19T15:14Z 293K followers, 45K engagements "Avantis Funds--Does "Financial Science" Produce Better Returns I've been asked countless times what my thoughts are on Avantis ETFs and mutual funds. In this video I walk through the history of Avantis its approach to investing and compare two of its funds. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources Avantis: https://www.avantisinvestors.com/content/avantis/en/institutional-investors.html Investing Tools My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B Personal Capital" [YouTube Link](https://youtube.com/watch?v=nZs3RRbcJK4) 2022-06-24T14:34Z 293K followers, 18.6K engagements "3 Simple Ways to Invest All of Your Money After You Retire 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 video will look at several options for one-fund investments in retirement. Keep in mind that these funds are best suited for tax-advantaged accounts like traditional and Roth IRAs. Video Resources Vanguard LifeStrategey Funds: https://investor.vanguard.com/investment-products/mutual-funds/life-strategy-funds Vanguard LifeStrategy Moderate" [YouTube Link](https://youtube.com/watch?v=o_OJdMBG23w) 2023-11-15T22:27Z 293K followers, 586.5K engagements "Retirement Annuities--Should you Buy an Income Annuity (SPIA) in Retirement Should you use some or all of your retirement savings to buy an income annuity That's the question we look at in this video. Called a Single Premium Immediate Annuity these annuities don't come with all of the fees and complexities of other annuity products. Yet it can still be difficult to decide if you need one when you should buy it and how much you should invest. In this video I'll share annuity calculators an annuity formula and a number of resources that can help you decide whether an income annuity is right for" [YouTube Link](https://youtube.com/watch?v=pZMAOeFu3K0) 2021-10-06T13:43Z 293K followers, 153.1K engagements "Are RMDs Really a Big Deal Yes especially if you have large traditional retirement balances. RMDs grow as you age and deserve careful planning. #RetirementPlanning #FinancialPlanning #Retirement" [YouTube Link](https://youtube.com/watch?v=q7uG5RVTRj4) 2026-02-06T18:30Z 293K followers, 17.6K engagements "Are Multi-Year Guaranteed Annuities (MYGA) A Good Investment Today we are going to take a deep dive into MYGAs--multi-year guaranteed annuities. Resources Mentioned in Video: Blueprint Income: https://www.blueprintincome.com/ StantheAnnuityMan: https://www.stantheannuityman.com/myga-quotestate=AL&years=5 MYGA Rates in 2022: https://web.archive.org/web/20220114182843/https://www.stantheannuityman.com/ AM Best FSR: https://risk.nv.gov/uploadedfiles/risknvgov/content/Contracts/AMbestGuideToFinancialStrengthRatings.pdf Bogleheads MYGA Thread: https://www.bogleheads.org/forum/viewtopic.phpt=322973" [YouTube Link](https://youtube.com/watch?v=qgk0NqAU-_8) 2024-08-14T17:32Z 293K followers, 39.6K engagements "9 Health Insurance Options for Early Retirement For those who retire before [--] they must cover their health insurance until they qualify for Medicare. That's exactly the situation my wife and I are in. So I put together [--] options to consider if you are an early retiree. Here are links to the sources I referenced in the video: https://www.kff.org/medicare/issue-brief/retiree-health-benefits-going-going-nearly-gone/ https://www.dol.gov/agencies/ebsa/laws-and-regulations/laws/cobra https://www.cms.gov/CCIIO/Programs-and-Initiatives/Other-Insurance-Protections/cobra_qna" [YouTube Link](https://youtube.com/watch?v=qt0r9YBsUzM) 2024-05-30T16:29Z 293K followers, 46.5K engagements "Should You Fire an Expensive Investment Advisor (1% AUM or More) Here are [--] things to consider when deciding whether to leave your investment advisor (plus one bonus tip). Personal Capital Fee Analyzer: https://robberger.com/go/personal-capital-fee-analyzer/yt-fire-advisor This video is in response to the following question a viewer recently asked me: "Should I dissolve my relationship with my financial advisor They charge just 1% as they say. Heres why Im hesitating: They manage my traditional IRA and one of my taxable accounts and together thats about 1/3 of my total stock/bond investments." [YouTube Link](https://youtube.com/watch?v=rvZt6xV2pDA) 2022-03-29T18:04Z 293K followers, 107.1K engagements "Jack Bogle: "Never" Rebalance Your Investment Portfolio (and how to do it if you must) Jack Bogle: "Never" Rebalance Your Investment Portfolio (and how to do it if you must) Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Resources Mentioned in the Video: Investment Tracking Spreadsheet: https://robberger.com/investment-tracking-spreadsheet/utm_source=Rob+Berger&utm_medium=Link&utm_campaign=Newsletter&utm_id=YouTube Opportunistic Rebalancing paper:" [YouTube Link](https://youtube.com/watch?v=sO8SLwDOvCk) 2021-08-17T19:38Z 293K followers, 225.5K engagements "12 Things You Must Know About A Backdoor Roth IRA (Including If It's Worth The Hassle) Today we take a deep dive into a Backdoor Roth IRA. This strategy enables high-income earners to get money into a Roth IRA. We'll walk through what you need to know and crunch some numbers to see if a Backdoor Roth IRA is worth the hassle. Timestamps 0:00 What is a Backdoor Roth IRA 0:57 401k vs IRA 2:35 Deductible vs Non-Deductible IRA Contributions 3:49 Why Make Non-Deductible Contributions 5:06 Backdoor Roth IRA Strategy 5:55 History of the Backdoor Roth IRA 8:04 Annual IRA Contribution Limits 10:08" [YouTube Link](https://youtube.com/watch?v=uTtu-iAHcdQ) 2023-12-21T13:33Z 293K followers, 227.9K engagements "Why I Use VTINX in Retirement Accounts One fund low fees and the right mix: 30% stocks 70% bonds. It lets my family manage things easily if something happens to me and it hits the allocation I want. #RetirementPlanning #FinancialPlanning #Retirement" [YouTube Link](https://youtube.com/watch?v=vr7yi3iLAA0) 2025-12-25T06:24Z 293K followers, 36.4K engagements "What are the Best Investments to Hold in a Roth IRA Viewer question answered: What are the best assets to hold in a SEP (or traditional IRA) and a Roth IRA Rob Berger & CFP Andy Planko break down the best place to hold your assets to help you keep more of what grows. *Join the Newsletter. It's Free:* https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube *Financial tools I use:* *I track all of my investments performance fees and asset allocation with Empower. It's Free:* https://robberger.com/empower *My retirement plan comes from" [YouTube Link](https://youtube.com/watch?v=wLKxfpl0nSU) 2025-04-01T17:37Z 293K followers, 65K engagements "How to Invest in a Taxable Account Live Q&A Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources & Timestamps 0:00 - Welcome to The Financial Freedom Show 1:50 - What is "tax efficiency" 9:52 - Rob's Re-Balancing quandary 13:34 - Passing HSAs to heirs (HSAs vs. Roth IRAs) 15:43 - Jeremy Grantham's dire prediction - skew to Int'l or USA sectors 23:30 - Bengals going to the Super Bowl 23:44 - State taxable HSA in CA 25:20 - Fund selections based on taxable vs. tax-advantaged 26:37 - NTSX (invests" [YouTube Link](https://youtube.com/watch?v=wpgIkt7Abpk) 2022-02-01T02:13Z 293K followers, 140.7K engagements "What Happens to Our Investments if Schwab Fidelity or Vanguard Collapse 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://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources SVB Balance Sheet:" [YouTube Link](https://youtube.com/watch?v=wz64z1YuL0A) 2023-03-17T20:44Z 293K followers, 2.1M engagements "How to Invest a Large Inheritance (FQF) In today's Five Question Friday (FQF) video we cover these questions: [--]. How to invest a large inheritance [--]. What return assumption should we use in retirement planning software [--]. How does a TIPS fund protect us against inflation [--]. Is Morningstar Investor a good tool to track a portfolio [--]. What is Vanguard Investor Choice Resources From Video Low Cost Advisors: https://robberger.com/low-cost-financial-advisors/ Plan Vision Videos: https://www.planvisionmn.com/get-started/ 3-Fund Portfolio Video: https://www.youtube.com/watchv=kmw8OpGp2rM 3-Fund" [YouTube Link](https://youtube.com/watch?v=xK0FB-q42Vs) 2026-02-06T19:31Z 293K followers, 25.7K engagements "Have We Been Lied To About Social Securitys Break-Even Age (FQF) In today's Five Question Friday (FQF) video we look at these five questions: [--]. Have we been lied to about our Social Security break-even age [--]. Is it ok to restart the 4% rule if the market goes up in early retirement [--]. I am nervous about the run up in AI stocks . . . Could it be a good idea to consider diversifying from VTI to an equal-weighted index fund like Invesco S&P Equal Weight ETF or others like it [--]. Im [--] and I would like to begin annual Roth conversions from my traditional IRAs. Can you review the rules surrounding" [YouTube Link](https://youtube.com/watch?v=xoF9V8uggX0) 2025-11-07T12:02Z 293K followers, 100.5K engagements "How to FINALLY Get Out of Debt [--] Steps to Debt Freedom How to FINALLY Get Out of Debt⛱ [--] Steps to Debt Freedom Debt Payoff Calculator: https://www.allcards.com/debt-payoff-calculator/ Tools & Resources 📚 My Book (of course): https://amzn.to/2MsRJ9B 💰 Empower (Personal Capital): https://go.robberger.com/empower/yt- 🏦 Checking accounts: https://www.allcards.com/best-checking-accounts/utm_source=youtube&utm_medium=rb&utm_campaign=short description of video 💲 Online savings accounts: https://www.allcards.com/best-online-savings-account-rates/utm_source=youtube&utm_medium=rb&utm_campaign=short" [YouTube Link](https://youtube.com/watch?v=1MDQ32T2_Bg) 2021-05-07T21:11Z 293K followers, 618.8K engagements "A Quick Guide to Fixed Income Live Q&A Tonight we start by talking about fixed income. Then I answer your questions. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Timestamps 0:00 - Welcome to the Financial Freedom Show 0:42 - A Quick Guide to Fixed Income 6:32 - Treasury Yield Curve 9:50 - Model for higher inflation in new retirement 14:52 - Taxes/Traditional IRA 17:21 - Dividends in a taxable account 18:22 - I Bonds 21:09 - 401A 22:52 - Capital gains 25:57 - TIAA in a 403B 28:07 - FXNAX 29:56 - Owning" [YouTube Link](https://youtube.com/watch?v=1NvJinixeCY) 2023-05-02T00:45Z 293K followers, 25.3K engagements "Empower Retirement Planner Workshop Live Q&A Tonight we'll look at Empower's Retirement Planner (https://go.robberger.com/empower/yt-workshop compare it to other options and answer your questions about how to use the tool. *Join the Newsletter. It's Free:* https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube *Financial tools I use:* *I track all of my investments performance fees and asset allocation with Empower. It's Free:* https://go.robberger.com/empower/yt- *My retirement plan comes from New Retirement the most robust" [YouTube Link](https://youtube.com/watch?v=3I8q5TA-yHM) 2024-10-02T00:43Z 293K followers, 29.9K engagements "Warren Buffett Just Dumped Berkshire's S&P [---] Index Funds. Should we Warren Buffett recently sol 100% of the two S&P [---] index funds Berkshire Hathaway owned including Vanguard's VOO. In this video we'll look at whether we should too. News Article: https://www.investors.com/etfs-and-funds/sectors/sp500-warren-buffett-dumps-2-stocks-he-told-everyone-to-buy/ Berkshire's Stock Holdings: https://www.dataroma.com/m/holdings.phpm=BRK Berkshire's Net Stock Sales: https://x.com/dividend_data/status/1820228496880259504 0:00 - Intro 0:28 - News Article 1:54 - Berkshire's Stock Holdings 4:57 -" [YouTube Link](https://youtube.com/watch?v=3v8N-GcljvQ) 2025-02-22T11:41Z 293K followers, 376.3K engagements "5 Best Retirement Calculators and Planners (#1 is Free) Retirement calculators can help us plan and prepare to retire. When we are years away these online tools can help us determine how much we should be saving. As we approach our time to retire they can help us understand how much we can spend each year and which accounts should fund that spending. Not all retirement tools however reach the same result. They take different approaches to what is a complex series of calculations and assumptions. One study examined five popular retirement planning software packages and found stark differences" [YouTube Link](https://youtube.com/watch?v=4sa8nO_KQNw) 2021-09-19T20:50Z 293K followers, 91.1K engagements "Free [----] Tax Estimator: Calculate Your Federal Taxes in Minutes (FQF) In today's Five Question Friday (FQF) video we cover this questions: [--]. Can you recommend a detailed tax estimator [--]. How to plan Roth conversions without a fancy retirement planner [--]. Should you pay off a mortgage early or invest the money [--]. Are identity theft protection services worth the cost [--]. How does reinvesting vs spending dividends affect return assumptions for retirement planning *Resources* [----] Tax Calculator: https://www.efile.com/tax-return-calculator-for-2025-refund-estimator/ *Note*: eFile is still" [YouTube Link](https://youtube.com/watch?v=68pbNCRDx5Y) 2025-10-03T20:21Z 293K followers, 74.3K engagements "How to Fire Your Financial Advisor (and possibly sue them) A viewer emailed me with a heartbreaking story. Her financial advisor convinced her to surrender an annuity pay a $10000 fee and then buy another annuity. The advisor earned a big fat commission while the viewer at best would break even over time. This raises the possibility that her advisor was engaged in a practice known as "annuity churning." Now she wants to fire her advisor. What should she do In this video I walk through some steps to consider if you face similar circumstances. Please note that I'm not offering financial or" [YouTube Link](https://youtube.com/watch?v=759waOCJBDo) 2025-08-25T14:07Z 293K followers, 18.2K engagements "Will Your Mutual Funds or ETFs Distribute Capital Gains this Year December is the month when many mutual funds and even ETFs distribute capital gains to unsuspecting shareholders. In this video we'll discuss why this happens how you can know in advance if your funds will distribute short-term or long-term capital gains and what you can do about it. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources Vanguard [----] Estimated Capital Gains: https://www.vanguard.com/pdf/PIFYEEST_122022.pdf Fidelity:" [YouTube Link](https://youtube.com/watch?v=8mvF1068SII) 2022-12-09T21:55Z 293K followers, 13K engagements "Should You Ever Rebalance in a Taxable Account (FQF) In today's Five Question Friday (FQF) video we cover these questions: [--]. Should you ever rebalance in a taxable account [--]. Are covered-call ETFs a reasonable way to generate income [--]. Should Roth conversions consider ACA tax credits [--]. Why do retirement calculators generate different results [--]. How do you plan for a [--] year retirement Resources From Video https://www.financialplanningassociation.org/sites/default/files/2021-08/APR07%20Rebalancing%20for%20Taxable%20Accounts.pdf" [YouTube Link](https://youtube.com/watch?v=8wjsJI7dhQo) 2026-01-17T02:14Z 293K followers, 28.2K engagements "Two Big Benefits Berkshire Hathaway Has Over Mutual Funds (and Warren Buffett isn't one of them) Berkshire Hathaway offers two significant benefits over most large cap mutual funds. Here I'm not talking about Warren Buffett. Rather it's the company's tax-efficiency and ability to buy whole companies. While it's not a replacement for low cost index funds I've found it to be a great addition to an otherwise well diversified portfolio. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Investing Tools My Book" [YouTube Link](https://youtube.com/watch?v=91KlMjTDpYo) 2022-08-25T16:01Z 293K followers, 29.9K engagements "Is Social Security a Ponzi Scheme Is Social Security a Ponzi Scheme It might feel like one but it's not. Heres why Social Security isnt a fraud even though you mightve done better investing the money yourself. #RetirementPlanning #FinancialPlanning #Retirement #socialsecurity" [YouTube Link](https://youtube.com/watch?v=9mnoRjiCB0A) 2025-10-20T18:31Z 293K followers, [----] engagements "Is BOXX ETF Legit The Alpha Architect 1-3 Month Box ETF (BOXX) has become a popular investment. It promises the risk and returns of Tbills but with capital gains tax treatment rather than ordinary income. Is it too good to be true Probably. Here's what we'll cover in this video: [--]. What is BOXX [--]. How does it work [--]. How has BOXX performed [--]. What are the promised tax benefits [--]. What are the tax risks [--]. My Take Resources: BOXX ETF: https://etfsite.alphaarchitect.com/boxetf/#documents Prospectus:" [YouTube Link](https://youtube.com/watch?v=A6Xts-oRNFc) 2024-08-04T19:09Z 293K followers, 35.6K engagements "Can You Retire Early With 100% VTI Using the 4% Rule Q&A A viewer asked whether he could retire at the age of [--] with a 100% portfolio of VTI (Vanguard's total U.S. Stock Index ETF) using the 4% Rule. I think there are at least [--] big concerns with this plan: [--]. The 4% rule assumed a [--] year retirement; [--]. It found that a 100% stock portfolio could fail a [--] year retirement in some markets [--]. A 100% U.S. stock allocation makes a big bet on the U.S. over the next [--] or [--] decades. Join the newsletter:" [YouTube Link](https://youtube.com/watch?v=Aq5FTkacQbU) 2022-02-06T20:53Z 293K followers, 78.6K engagements "When Should You Change Your Asset Allocation (FQF) In today's Five Question Friday (FQF) we'll tackle the following questions: [--]. Is now a good time to change your asset allocation [--]. Do target date funds force you to sell stocks in a down market [--]. Does the IRS treat the withdrawal of dividends as taking out earnings or contributions from a Roth IRA [--]. Is an 80% Chance of Success in Retirement reasonable [--]. How much should you allocate to international stocks Boldin: https://go.robberger.com/boldin/yt-fqf ProjectionLab: https://go.robberger.com/projectionlab/yt-fqf FICalc:" [YouTube Link](https://youtube.com/watch?v=BnaUDPeRX8M) 2025-05-10T19:51Z 293K followers, 36.7K engagements "A Complete Guide to Bond Investing Investors today are nervous about bonds because of the historically low yields. The fear is that as interest rates rise the value of existing bonds will fall. In this video we'll walk through bond investing for beginners. I'll cover how bonds work my approach to bonds and some suggesting bond funds. If you find this information useful consider joining my weekly newsletter: Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Note: At 26:14 my reference to I bonds should have" [YouTube Link](https://youtube.com/watch?v=CmjDv4U2E_U) 2021-12-06T20:48Z 293K followers, 139.9K engagements "Investing Without a Retirement Timeline Some people know their retirement date. I dont. Thats why my portfolio is built for flexibility not a specific year. #RetirementPlanning #FinancialPlanning #Retirement" [YouTube Link](https://youtube.com/watch?v=EFvbkpo4Lkc) 2026-02-05T18:30Z 293K followers, [----] engagements "Lump Sum vs Pension--What is the 6% Rule (Five Question Friday) Welcome to the first episode of Five Question Friday (FQF). I'll answer five questions from past live shows that we didn't get to. Today we're covering the following questions: 0:00 - Intro 0:48 - Is the 6% Rule on Lump Sum vs Pension Reasonable 3:53 - What will my stock/bond allocation be when I reach [--] 7:41 - How do you decide between a Roth Conversion and 0% Capital Gains Harvesting 13:44 - What's the best credit card for travel 18:03 - Should an early retiree pay off their low-rate mortgage [--]. Is the 6% Rule on Lump Sum vs" [YouTube Link](https://youtube.com/watch?v=EehaOBmmPsc) 2024-11-22T20:12Z 292K followers, 42.4K engagements "Leveraged ETFs: TQQQ vs QQQ -- Buyer Beware Leveraged ETFs offer 2x or 3x the returns of an underlying index on a daily basis. Unfortunately many investors mistakenly believe that a leveraged ETF can offer 2x or 3x annual returns of an index. In truth these geared funds as they are called can deviate from 2x or 3x performance in just days. As a result they are highly volatile investments that can devastate a investor's portfolio. The attraction to TQQQ is the result of the incredible bull run of the underlying index (QQQ) over the past decade. Had TQQQ existed in [----] to [----] or even [----] the" [YouTube Link](https://youtube.com/watch?v=Jg7zmESdT3s) 2021-10-11T15:30Z 293K followers, 92.2K engagements "Berkshire Hathaway: Safe Haven or Stock It may hold up better at times but Berkshire can still drop sharply. Its best viewed as a stock not a substitute for bonds. #RetirementPlanning #FinancialPlanning #Retirement" [YouTube Link](https://youtube.com/watch?v=KYFCauWKFvU) 2026-02-02T19:30Z 293K followers, [----] engagements "Treasury Ladder vs. CD Ladder Should you build a Treasury ladder or a CD ladder Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources https://fixedincome.fidelity.com/ftgw/fi/FILanding Investing Tools My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B Personal Capital (Investment Tracking Retirement Planning): https://robberger.com/go/personal-capital/yt- New Retirement (Retirement Planner): https://robberger.com/go/new-retirement/yt- Stock Rover: https://robberger.com/go/stock-rover/yt-" [YouTube Link](https://youtube.com/watch?v=KadAX-NWTBA) 2022-10-24T15:04Z 293K followers, 35.6K engagements "Morningstar Investor Review Is It Worth The Cost 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 newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources Morningstar Investor ($50 discount):" [YouTube Link](https://youtube.com/watch?v=MlvNUYeo_Uo) 2023-06-29T18:43Z 293K followers, 35.1K engagements "Why Id Buy a Gold ETF Not a Gold IRA Gold IRAs come with fees storage costs and markups. If you want gold exposure a low-cost ETF like GLD is the simpler smarter choice. #RetirementPlanning #FinancialPlanning #Retirement #goldinvestments" [YouTube Link](https://youtube.com/watch?v=PMr87JKVwuM) 2025-11-07T19:31Z 293K followers, [----] engagements "Is AI a Threat to Jobs and Markets AI will disrupt some jobs just like every major technology before it. But history suggests it also creates new opportunities and no one truly knows how it will play out. #RetirementPlanning #FinancialPlanning #AI" [YouTube Link](https://youtube.com/watch?v=RR_We4Gxvgc) 2026-02-04T18:31Z 293K followers, [----] engagements "Retired and Dont Need Your Savings Heres How to Invest It First ask: Are you truly sure youll never want or need this money If the answer is yes then think long-term. That usually means more stocks than bonds similar to how youd invest before retirement. #RetirementPlanning #FinancialPlanning #Retirement" [YouTube Link](https://youtube.com/watch?v=Ru98VQqbsYo) 2025-12-31T19:30Z 293K followers, 21.4K engagements "Rewards Stacking: How I Build Wealth with Credit Card Rewards Several years ago I stumbled upon a quote from Dave Ramsey about credit card rewards. Ill never forget those [--] 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 arent special. Saving and investing small amounts of money from any source over time will turn into piles of cash. We just need to allow compounding to work its magic. It was then that the idea of Rewards Stacking" [YouTube Link](https://youtube.com/watch?v=T2PKPbJ2I2g) 2024-04-24T14:24Z 293K followers, 40.9K engagements "When Retirement Feels Scarier Than the Math Lower spending changes everything. At a 23% withdrawal rate your portfolio may be far more durable than you think. #RetirementPlanning #FinancialPlanning #Retirement" [YouTube Link](https://youtube.com/watch?v=XhtjOh7pCEU) 2026-02-03T18:30Z 293K followers, 10.7K engagements "Should We Invest in Emerging Markets A total international fund will include some exposure to emerging markets. The question we cover in this video is whether we should seek additional exposure through an emerging market ETF or mutual fund. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Investing Tools My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B Personal Capital (Investment Tracking Retirement Planning): https://robberger.com/go/personal-capital/yt- New Retirement (Retirement Planner):" [YouTube Link](https://youtube.com/watch?v=_iftE4J5Kdc) 2022-10-25T18:31Z 293K followers, 20.9K engagements "Can I Restart the 4% Rule During Retirement (FQF) In today's Five Question Friday (FQF) video we cover these questions: [--]. Can I restart the 4% Rule during retirement [--]. How does Morningstar Investor compare to Empower [--]. How to invest your monthly 401k or IRA contributions [--]. Should retirees hold commodities or crypto [--]. Is VGIT a better option than BND Resources From Video Boldin: https://go.robberger.com/boldin/yt-fqf Morningstar Investor: https://go.robberger.com/morningstar/yt-fqf Empower: https://go.robberger.com/empower/yt-fqf Snowball Analytics:" [YouTube Link](https://youtube.com/watch?v=c74em1kjXag) 2026-01-02T12:45Z 293K followers, 28.8K engagements "Do You Really Need Bonds Rethinking the Classic Retirement Portfolio (FQF) (Republished) In today's Five Question Friday (FQF) video we cover these questions: [--]. Should you have a 100% stock portfolio until you die [--]. Should you use multiple brokers to increase SIPC coverage [--]. How does Right Capital compare to Boldin [--]. Is Berkshire Hathaway a safe investment [--]. How do you calculate RMDs Resources From Video https://www.wsj.com/finance/investing/should-you-just-buy-stocks-until-you-die-a22b3d7bst=Rm7ufc&reflink=article_email_share" [YouTube Link](https://youtube.com/watch?v=cbKfm0_JnWU) 2026-02-05T11:22Z 293K followers, 17.9K engagements "The Bucket Strategy is Flawed--Do this Instead The Bucket Strategy is Flawed--Do this Instead⛱ Personal Capital: 📈 Personal Capital: https://go.robberger.com/personal-capital/yt- 💰 M1 Finance $30 Bonus: https://go.robberger.com/m1finance-bonus/yt Click "Show More" to see Ad Disclosure The bucket strategy of retirement investing is flawed. In theory it helps retirees avoid selling stocks in a down market. Yet the bucket strategy suffers from several problems. First in a down market one should be buying stocks not just avoiding selling. Second it's very difficult to know when to move money" [YouTube Link](https://youtube.com/watch?v=fNP62fSLg1U) 2021-06-17T11:01Z 293K followers, 196.7K engagements "How to Invest $15 Million In today's Five Question Friday (FQF) video we cover these questions: [--]. How to invest $15 million [--]. For the 4% withdrawal rate devised by Bill Bengen what measure of inflation did he use Are there other measures that you think might be more appropriate [--]. If you have a retirement portfolio with a 6% yield does the 4% rule apply [--]. Is a 7-year MYGA a better deal than a 7-year Treasury [--]. If the yield from a High Yield Savings account is paying out [---] to 4.0% why would it ever be a good investment to buy bonds or bond ETFs with their recent volatility Bonus" [YouTube Link](https://youtube.com/watch?v=f_GtgbOWbhs) 2025-10-17T14:05Z 292K followers, 35.5K engagements "The Good-Enough Strategy for a Confident Retirement Live Q&A *Join the Newsletter. It's Free:* https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube *Financial tools I use:* *I track all of my investments performance fees and asset allocation with Empower. It's Free:* https://go.robberger.com/empower/yt- *I use Monarch Money to manage our budget:* https://go.robberger.com/monarch-yt/yt-desc *My retirement plan comes from Boldin the most robust retirement planner available at a reasonable cost:* https://go.robberger.com/boldin/yt- *I" [YouTube Link](https://youtube.com/watch?v=gcbH7zjQGzo) 2025-12-01T20:08Z 293K followers, 44.7K engagements "Vanguard ETF vs Mutual Funds -- Is One More Tax Efficient Sallie Mae 14-Month No-Penalty CD @ 2.70% APY (via SaveBetter): https://www.allcards.com/go/sallie-mae-14-no-penalty-cd/yt-vanguard etf-mutual-fund Today's video comes from last week's live Q&A. Many viewers have asked that I publish short clips from the [---] hour Q&A shows and this is my first. In this short video we cover whether Vanguard ETFs such as VTI are more tax efficient than the Vanguard mutual fund such as VTSAX. As you'll see Vanguard mutual funds tend to be as tax efficient as the ETF version. However this isn't always true" [YouTube Link](https://youtube.com/watch?v=gdikDJj6W7o) 2022-08-15T16:06Z 292K followers, 28.8K engagements "Creating a Retirement Paycheck--Which Investments to Withdraw from First A viewer named Steve asked the following quesiont: I have searched up and down and no one.seriously no one.has a video on how you withdraw in retirement when you have multiple funds in [--] account. The only videos out there are what buckets to pull from first but not how to withdraw from a source in retirement. Let's say you have a 401K with a Total Stock Market Fund Small Cap Reit and Bonds.at 25% across the board. Now in retirement.how do you take out the 4% Is it 1% for each fund What if they were not all 25% and were" [YouTube Link](https://youtube.com/watch?v=glXyUHJaYrM) 2022-05-05T11:31Z 293K followers, 52K engagements "The Truth About Living Off Dividends in Retirement Living off dividends in retirement can be a very safe approach to retirement spending. But it has nothing to do with the dividend. Here's why. In addition to what's in the video living off of dividends may not keep up with inflation. That's particularly true with higher yielding investments. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Investing Tools My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B Personal Capital (Investment Tracking" [YouTube Link](https://youtube.com/watch?v=gsoLLkjN9-c) 2022-11-01T12:52Z 293K followers, 50.1K engagements "How to Leave Your Investment Advisor (It's Easier Than You Think) I've received countless emails from viewers sharing horror stories about their investment advisor. One viewer shared that his advisor had him in a complex 24-fund portfolio Here's an email from a viewer named Dan: "I have a financial advisor at Edward Jones who has most of my retirement investments I've rolled over all my 401ks to IRAs with her about $500k worth now. She has me in a bunch of managed mutual funds. I would like to move everything to low cost ETFs like VTI. Does it make sense to move everything or does the cost of" [YouTube Link](https://youtube.com/watch?v=hIdTuKwlPpo) 2022-06-13T13:21Z 292K followers, 50.8K engagements "New Bitcoin ETFs: Should Bogleheads Take The Plunge With the launch of Bitcoin Spot ETFs investors now have a safe low-cost way to own Bitcoin. In this video we'll look at some examples of these new ETFs and then I'll make the strongest case I can in favor of adding Bitcoin to an asset allocation portfolio. Then I'll share how I'm approaching Bitcoin and why. *Join the Newsletter. It's Free:* https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube *Financial tools I use:* *I track all of my investments performance fees and asset" [YouTube Link](https://youtube.com/watch?v=ht5wOFJ2tTI) 2024-01-12T15:18Z 293K followers, 34.7K engagements "How to Invest $1 Million A Simple Strategy to Invest a Windfall How to Invest $1 Million A Simple Strategy to Invest a Windfall ⛱ The Bogleheads' Guide to Investing: https://amzn.to/2PyjiQN The Four Pillars of Investing: https://amzn.to/3fPf8iv The Little Book of Common Sense Investing: https://amzn.to/3uiKp0W Tools & Resources 📚 My Book (of course): https://amzn.to/2MsRJ9B 💰 Personal Capital: https://go.robberger.com/empower/yt- 🏦 Checking accounts: https://www.allcards.com/best-checking-accounts/utm_source=youtube&utm_medium=rb&utm_campaign=1million 💲 Online savings accounts:" [YouTube Link](https://youtube.com/watch?v=ikFhiIKglos) 2021-04-02T23:45Z 292K followers, 474K engagements "How Should We Respond to Downgrading of U.S. Credit Rating Live Q&A 0:00 - Intro 0:38 - How Should We Respond to Downgrading of U.S. Credit Rating 18:03 - Keeping money in safe assets to avoid SOR risks 21:51 - Treasuries approaching 5% 28:44 - Could AI replace Boldin and ProjectionLab 37:10 - Name of the restaurant 38:49 - Portfolio with VTI BRK-B SCHD VXUS and BND 44:07 - Corporate Bonds vs Government Bonds/TIPS 51:14 - The presenter 54:37 - Portfolio for retiring/moving outside of U.S. 57:02 - Can Roth IRA's from multiple sources be combined 59:24 - SCHD 1:00:46 - Boldin's Withdrawal Order" [YouTube Link](https://youtube.com/watch?v=j2ocJrL_4fE) 2025-05-19T20:54Z 293K followers, 27.3K engagements "How Do You Protect Your Portfolio as You Near Retirement (FQF) In today's Five Question Friday (FQF) video we cover these questions: [--]. How do you protect your portfolio as you near retirement [--]. How does asset location work if you must draw from taxable accounts [--]. Should you automatically reinvest dividends [--]. How can I diversify away from the S&P [---] [--]. What is the safe withdrawal rate for a [--] year retirement Resources From Video https://www.kitces.com/blog/managing-portfolio-size-effect-with-bond-tent-in-retirement-red-zone/" [YouTube Link](https://youtube.com/watch?v=jCeuDS5AVio) 2026-01-23T23:42Z 293K followers, 51.2K engagements "Live Q&A w/ Co-Host Karsten Jeske (aka Big ERN) Tonight I'm joined by none other than Karsten Jeske aka Big ERN of Early Retirement Now. Together we'll answer your questions about investing and retirement. 0:00 - Intro 3:17 - Withdrawal rates in recent years 8:31 - Feelings on asset allocation 13:20 - Tilting a portfolio towards small cap value 21:00 - Securing an investment account 24:03 - Rebalancing an inherited portfolio 28:08 - Cape [--] vs Cape [--] 38:09 - Spending down in a bad year 46:00 - Shifting from domestic to international 47:18 - Safe consumption rate and safe withdrawal rate 52:05" [YouTube Link](https://youtube.com/watch?v=k6Eu5SXo4V8) 2025-02-19T15:23Z 293K followers, 32.4K engagements "Some New Finance Apps I'm Testing Live Q&A *Join the Newsletter. It's Free:* https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube *Financial tools I use:* *I track all of my investments performance fees and asset allocation with Empower. It's Free:* https://go.robberger.com/empower/yt- *I use Monarch Money to manage our budget:* https://go.robberger.com/monarch-yt/yt-desc *My retirement plan comes from Boldin the most robust retirement planner available at a reasonable cost:* https://go.robberger.com/boldin/yt- *I used Capitalize" [YouTube Link](https://youtube.com/watch?v=mpgFY-FMpBk) 2026-01-05T21:37Z 293K followers, 21.5K engagements "2 Times You Shouldnt Automatically Reinvest Dividends While automatically reinvesting dividends is ideal most of the time there are two reasons you should NOT automatically reinvest dividends. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Investing Tools My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B Personal Capital (Investment Tracking Retirement Planning): https://robberger.com/go/personal-capital/yt- New Retirement (Retirement Planner): https://robberger.com/go/new-retirement/yt- Stock" [YouTube Link](https://youtube.com/watch?v=nB0-zEoeTOc) 2022-11-28T19:17Z 293K followers, 43.7K engagements "Ben Felix And The 2.7% Safe Withdrawal Rate A recent study claimed that the 4% rule was based on biased data. Specifically it was flawed because it relied on U.S. returns data and inflation and assumed a 30-year retirement. Based on life expectancy data from the Social Security Administration and returns and inflation data dating back to [----] from [--] developed countries the study concluded that a "safe" withdrawal rate assuming a 1% chance of failure was just 0.80%. Recently Ben Felix produced a video on this study that many have asked me about. In this video I cover what I think are some" [YouTube Link](https://youtube.com/watch?v=oYX7JXW1Jbk) 2023-01-11T19:40Z 293K followers, 67.8K engagements "Morningstar User Guide--Overview Video #1 This is the first video in a series on Morningstar. Collectively these videos comprise a Morningstar User Guide that will help you get the most out of this excellent investing tool. Morningstar Premium: https://robberger.com/go/morningstar/yt-morningstar-1 Morningstar Article: https://robberger.com/morningstar-user-guide/utm_source=youtube&utm_medium=video&utm_campaign=yt-17 Personal Capital: https://go.robberger.com/empower/yt- Timestamps: 0:00 History of Morningstar 2:26 Problems with Morningstar 6:03 Overview of this Morningstar User Guide 9:01" [YouTube Link](https://youtube.com/watch?v=qRfRqtCMMOE) 2020-05-08T20:13Z 293K followers, 66.1K engagements "Maximizing FDIC Insurance: How to Ensure Your Bank Accounts are Fully Protected (Free Calculator) 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_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources FDIC FAQ:" [YouTube Link](https://youtube.com/watch?v=uR8LVJlpGyk) 2023-03-15T18:38Z 293K followers, 40.2K engagements "High-Yield Savings vs. Bonds Which Is Better High-yield savings rates may look great right now but they can change tomorrow. Bonds lock in your yield savings accounts dont. Heres how I think about balancing both. #RetirementPlanning #FinancialPlanning #Retirement #bonds" [YouTube Link](https://youtube.com/watch?v=xu0UMePqpZk) 2025-11-03T19:30Z 293K followers, 20.9K engagements "Total Return vs Dividend Investing--And the Winner is. . . Live Q&A We'll start the live stream discussing the difference between total return investing and dividend or income investing. Then I'll answer your questions about retirement and investing. Join the newsletter: https://robberger.com/newsletter/utm. Resources & Timestamps 0:00 - Welcome to the Financial Freedom Show 0:21 - Give a thumbs up 1:01 - My [--] cents on total returns/dividend investing 7:22- Moving VDADX into VTSAX 11:28 - Getting out of bonds 12:32 - Buying more BND while it's down 15:18 - What am I going to invest in 22:13 -" [YouTube Link](https://youtube.com/watch?v=xufgnshFHfc) 2022-04-12T01:04Z 293K followers, 17.8K engagements "Advanced Retirement Planning Tips With Boldin Live Q&A *Join the Newsletter. It's Free:* https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube *Financial tools I use:* *I track all of my investments performance fees and asset allocation with Empower. It's Free:* https://go.robberger.com/empower/yt- *I use Monarch Money to manage our budget:* https://go.robberger.com/monarch-yt/yt-desc *My retirement plan comes from Boldin the most robust retirement planner available at a reasonable cost:* https://go.robberger.com/boldin/yt- *I used" [YouTube Link](https://youtube.com/watch?v=yM16f9oPU8w) 2025-10-06T18:14Z 293K followers, 35.1K engagements "VTV Explained: A Simple Value ETF VTV tracks a value index not dividend yield. Its cheap diversified and designed for long-term investors focused on value not income. #RetirementPlanning #FinancialPlanning #Retirement" [YouTube Link](https://youtube.com/watch?v=yr6ANUtYe5s) 2026-01-21T19:31Z 293K followers, [----] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@rob_berger Rob Berger
Rob Berger posts on YouTube about retirement, investment, how to, money the most. They currently have [-------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.
Engagements: [------] #
- [--] Week [-------] -4.70%
- [--] Month [-------] -29%
- [--] Months [---------] +1.70%
- [--] Year [---------] +75%
Mentions: [--] #
- [--] Week [---] +27%
- [--] Month [---] -70%
- [--] Months [---] +122%
- [--] Year [---] +325%
Followers: [-------] #
- [--] Week [-------] +0.34%
- [--] Month [-------] +1.40%
- [--] Months [-------] +7.70%
- [--] Year [-------] +17%
CreatorRank: [-------] #
Social Influence
Social category influence finance 96.77% financial services #922 stocks 6.45% currencies 4.03% technology brands 0.81% cryptocurrencies 0.81%
Social topic influence retirement #689, investment #3484, how to 21.77%, money 16.13%, stocks 10.48%, asset allocation #391, if you 10.48%, vanguard #144, what is 8.06%, safe 7.26%
Top accounts mentioned or mentioned by @robberger @bergerpaintmadaripur
Top assets mentioned Berkshire Hathaway Inc. (BRK.A) Berkshire Hathaway Inc Class B (BRK.B) Robinhood Markets, Inc. (HOOD)
Top Social Posts
Top posts by engagements in the last [--] hours
"Lump Sum Investing vs Dollar Cost Averaging When Stocks Are Expensive 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: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources Vanguard Study:"
YouTube Link 2023-04-05T14:05Z 293K followers, 59.3K engagements
"3 Smart Alternatives to the 4% Rule (No Initial Safe Withdrawal Rate Required) One of the challenges of the 4% Rule is what your initial safe withdrawal rate should be. While the name of the rule suggests one should start with 4% there are countless reasons why that start point may not be right for you. For example you may retiree early you may not use the same asset allocation the rule was based on you may have concerns about future stock market returns inflation or both. Enter withdrawal strategies that don't require you to use 4% or any other initial safe withdrawal rate. In this video"
YouTube Link 2025-06-12T16:51Z 293K followers, 48.4K engagements
"Where I'm Keeping My Cash: T-Bills Money Market Funds CDs or Savings Accounts In this video I'll run down several high-yield options for your cash. I'll also discuss where we are keeping our cash today. Bank Bonuses: https://www.allcards.com/best-bank-bonuses/ CD Rates: https://www.allcards.com/cd-rates/ Savings Rates: https://www.allcards.com/savings-accounts/ No-Penalty CD Rates: https://www.allcards.com/no-penalty-cd-rates/ Vanguard Money Market Funds: https://investor.vanguard.com/investment-products/cash-investments Schwab Money Market Funds: https://www.schwab.com/money-market-funds"
YouTube Link 2025-01-22T16:21Z 293K followers, 145.6K engagements
"How Long Does the Sequence of Returns Risk Last (FQF) In today's Five Question Friday (FQF) we answer the following questions: [--]. When does Sequence of Returns Risk (SORR) end [--]. What is the 4-Year Rule of Retirement Ruin [--]. How to overcome the fear of spending your savings in retirement [--]. How does OBBBA change Roth conversion analysis [--]. Should you do Roth Conversions or Take Distributions from an IRA Resources Morningstar SORR Article: https://www.morningstar.com/retirement/how-avoid-outliving-your-retirement-savings-its-all-sequence Kitces SORR Article:"
YouTube Link 2025-08-08T17:30Z 293K followers, 45.4K engagements
"The Ultimate Retirement Checklist In today's video we cover my Ultimate Retirement Checklist: [--]. Healthcare a. Fidelity Article: https://www.fidelity.com/viewpoints/retirement/transition-to-medicare [--]. Start learning about Medicare a. Free Medicare Book: https://drive.google.com/file/d/1Hqs4v7wLCjhh5ohWVVSNTs2HsGz9nufD/viewusp=sharing b. Interview with Ari Parker: https://www.youtube.com/watchv=RlBmPB7Dexw [--]. Understand IRMMA brackets a. IRMMA Brackets: https://secure.ssa.gov/poms.nsf/lnx/0601101020 [--]. Track Expenses a. https://robberger.com/best-budgeting-apps/ [--]. Calculate Your Burn Rate 6."
YouTube Link 2026-01-15T10:55Z 293K followers, 54K engagements
"7 Reasons to Never Ever Retire (even if you can) Early retirement is for many the holy grail of financial freedom. And yet one study found that 37% of those surveyed regretted retiring when they did. They wish they had worked longer. Having retired and then unretired three times I've come to believe that there is a strong case to be made for never retiring. So in this video we walk through the following severn reasons why one should NEVER retire: 0:00: Never Retire 0:58: [--]. It's OK to Never Retire 2:21: [--]. You can do work you love 4:02: [--]. Work can be lifestyle friendly 5:18: [--]. Social"
YouTube Link 2023-07-12T00:38Z 293K followers, 233.2K engagements
"100% Stock Portfolio--Is it ever a good idea 100% Stock Portfolio--Is it ever a good idea With bond yields at historic lows more investors seem to be moving to a 100% stock portfolio. In this video we'll examine an all stock investment strategy for both long-term investors AND those already in retirement. Believe it or not at least one study has concluded that a 100% stock portfolio IN RETIREMENT has the lowest failure rate and highest average balance [--] years after retirement. Resources mentioned in video: Vanguard returns by asset allocation:"
YouTube Link 2021-07-16T11:23Z 293K followers, 135.7K engagements
"The Best Finance Tools for Retirees In today's Five Question Friday (FQF) video we look at these five questions: [--]. What are the best financial tools for retirees [--]. What happens if my HSA balance exceeds my medical receipts [--]. Do dividends count toward my annual withdrawal rate [--]. Should the way we invest change when we retire [--]. Why does Warren Buffett think cash and bonds are bad investments Resources Budget Apps: https://robberger.com/best-budgeting-apps/ Retirement Planners: https://robberger.com/best-retirement-calculators/ Boldin: https://go.robberger.com/boldin/yt-fqf ProjectionLab:"
YouTube Link 2025-10-24T20:06Z 293K followers, 52.2K engagements
"5 Hidden Costs of Fee-Only Advisors Fee-only financial advisors are fiduciaries. They must make recommendations that are in your best interest. Yet those fee-only advisors who charge a percentage of the assets they manage for you are not conflict-free. In fact the fee arrangement creates [--] hidden costs that you should be aware of before hiring an advisor. We'll also talk about a better alternative to a percentage of AUM arrangements. Tools Discussed in this Video: Empower: https://go.robberger.com/empower/yt-hidden-costs FICalc: https://ficalc.app/ Join the Newsletter. It's Free:"
YouTube Link 2024-06-09T10:42Z 293K followers, 86.1K engagements
"VOO vs. VTI: S&P [---] Index versus Total Stock Market Index Fund VOO vs. VTI--S&P [---] Index versus Total Stock Market Index Fund⛱ ATF Text: ATF URL Click "Show More" to see Ad Disclosure Morningstar Series: https://www.youtube.com/watchv=qRfRqtCMMOE&list=PLAgmi7U5UiBVyKoLiGrZz-AN8SVTnNCai 3-Fund Portfolio: https://robberger.com/3-fund-portfolio Tools & Resources 📚 My Book (of course): https://amzn.to/2MsRJ9B 💰 Personal Capital: https://go.robberger.com/empower/yt- ✅ Free Investment Tracking Spreadsheet:"
YouTube Link 2021-04-26T15:12Z 293K followers, 373.5K engagements
"Fidelity Contrafund Review Growth vs Value Active vs Passive Investing The Fidelity Contrafund (FCNTX) is a popular growth stock fund. In this video we take a deep dive on the fund to see if it's worth adding to our investment portfolio. In the process we'll look at growth vs value stock investing active vs passive funds and how to evaluate a fund's performance. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources Fidelity Contrafund:"
YouTube Link 2022-01-17T17:31Z 293K followers, 35.9K engagements
"My Honest Opinion on Coast FIRE I get the appeal but I couldnt do it. Stopping saving for 10+ years and hoping for 8% returns Too many unknowns but its not unreasonable if you understand the risks. Here's what to consider. #RetirementPlanning #FinancialPlanning #Retirement #CoastFIRE #FIRE"
YouTube Link 2025-12-12T19:30Z 293K followers, 26.8K engagements
"What Happens to Bond Funds When the Fed Cuts Rates (FQF) In today's Five Question Friday (FQF) video we cover these questions: [--]. What Happens To Bond Funds When the Fed Cuts Rates [--]. Where to Invest If Stocks Are a No-go [--]. How are Mutual Fund Sales Taxed [--]. Should Annuities Replace Bonds [--]. Brokerage Account vs Roth IRA Resources - Snowball-Analytics: https://go.robberger.com/snowball-analytics/yt-fqf - [--] Year Treasury & Fed Fund Rate: https://fred.stlouisfed.org/series/T10YFF - VTINX: https://investor.vanguard.com/investment-products/mutual-funds/profile/vtinx - FTBFX:"
YouTube Link 2025-12-12T11:01Z 293K followers, 49.6K engagements
"The One-Page Financial Plan Every Spouse Needs (FQF) In today's Five Question Friday (FQF) video we cover these questions: [--]. How to teach your significant other to manage the investments (The Spouse Financial Survival Kit) [--]. Start with a One-Pager a. Accounts b. Key Professionals c. Withdrawal Order d. Financial Overview Doc: https://docs.google.com/document/d/1Wb-7oXThIMJD9fzqSELZmsl01kFAu_4S/editusp=sharing&ouid=112866832855513642388&rtpof=true&sd=true [--]. Financial Love Letter"
YouTube Link 2026-02-13T13:10Z 293K followers, [----] engagements
"Does Anyone REALLY Follow the 4% Rule Ive only met one person who says he follows it the creator himself Bill Bengen. But even he tweaks it Markets change inflation changes life changes. #RetirementPlanning #FinancialPlanning #Retirement #4PercentRule"
YouTube Link 2025-12-24T19:31Z 293K followers, 20.8K engagements
"Avantis All Equity Market ETF (ticker: AVGE) Pros and Cons 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_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources AVGE: https://www.avantisinvestors.com/avantis-investments/avantis-all-equity-markets-etf/ Avantis White Paper on Investment Strategy (via Wayback Machine):"
YouTube Link 2022-12-13T21:13Z 293K followers, 15K engagements
"Should Cash Replace Bonds In A Retirement Portfolio With cash earning 5% or more and intermediate-term bonds earning less than 5% many have asked me if they should move all of their fixed-income portfolios to T-bills. In this video I share why I think that would be a big mistake. Resources: Savings Accounts: https://www.allcards.com/savings-accounts/ Fidelity Fixed Income Rates: https://fixedincome.fidelity.com/ftgw/fi/FILanding 10-year / 2-year Treasury Spread: https://fred.stlouisfed.org/series/T10Y2Y History of Inverted Yield Curve:"
YouTube Link 2024-07-10T14:39Z 293K followers, 113.4K engagements
"Retirement Cash Strategy: The Questions That Matter A CD ladder can be a great tool. But before switching strategies consider your spending needs penalties time horizon and what role this money playsessential spending or optional fun #RetirementPlanning #FinancialPlanning #Retirement"
YouTube Link 2026-01-02T19:30Z 293K followers, 20.1K engagements
"Traditional vs Roth 401k: The Optimal Strategy Choosing between traditional and Roth 401k contributions is difficult. It forces us to make a guess about our taxes years or even decades from now. In this video we'll discuss some of the factors that can affect this decision. And then I'll share one strategy that may make the decision much easier. New Retirement: https://go.robberger.com/new-retirement/yt-traditiona-roth Join the Newsletter. It's Free: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Financial tools I use: *I"
YouTube Link 2024-05-31T14:18Z 293K followers, 69.6K engagements
"A Look Inside My Simplified Investment Portfolio In this video I'll answer the following question from a viewer: "I would like to ask if you can do a video on the current specific funds you are invested in You did a video a while back about your [--] funds but now you mentioned in a recent video that you simplified and are down to [--] or [--] funds. I was thinking of mirroring your [--] fund plan but now I see you have simplified which is why I am asking if you can do a new video going over your new [--] fund plan." List of my investments VTINX:"
YouTube Link 2025-11-19T13:48Z 293K followers, 99.6K engagements
"How to Use Monarch Money (Full [----] Guide) I use Monarch Money to manage our budget and expense tracking. In this video I'll work through Monarch covering the features I use the most. If you want to try Monarch you can get 50% off the first year's subscription using the promo code ROB50 and this link: https://go.robberger.com/monarch-rob50/yt-review. Monarch is an advertiser meaning I earn a fee if you sign up for the app. They are not however a sponsor of this video or my channel. My views of the Monarch Money app are my own. If you want to see other budgeting apps I love you can do that"
YouTube Link 2025-09-23T13:12Z 293K followers, 57.9K engagements
"50+ and Haven't Saved for Retirement Here's What to Do Saving for retirement can be a struggle in the best of circumstances. For those [--] 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://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B Empower:"
YouTube Link 2023-04-07T17:46Z 293K followers, 165.4K engagements
"Are Bonds a Better Deal Than Stocks Today (FQF) In today's Five Question Friday (FQF) we cover these questions: [--]. Are bonds a better deal than stocks today [--]. How should RMDs affect our investment decisions [--]. What is the efficient frontier and how can it help me invest [--]. How to factor illiquid investments into your asset allocation [--]. Are short-term bonds better than intermediate-term bonds in a diversified portfolio Resources Portfolio Visualizer: https://www.portfoliovisualizer.com/ Testfolio: https://testfol.io/ Vanguard Study:"
YouTube Link 2025-09-05T16:04Z 293K followers, 70.8K engagements
"Does the Avantis Small Cap Value ETF (AVUV) Belong in Your Portfolio Today we look at the Avantis Small Cap Value ETF ticker AVUV. This is a low cost actively managed ETF. Its benchmark is the Russell [----] Value index. Avantis then focuses on companies it believes offer the best chances of outperforming. The result is a fund that tilts more to small cap and value than a lot of funds that simply track an index. The big question is whether AVUV deserves a place in our portfolios. Join the newsletter:"
YouTube Link 2022-07-03T11:21Z 293K followers, 40.4K engagements
"Index Funds are for LOSERS (Seriously) Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Index funds like an S&P [---] index fund will underperform other investments each and every year. It will underperform countless stocks and even other actively managed ETFs and mutual funds. To build wealth you have to be willing to accept that other investors will outperform your portfolio each and every year. The good news is that you'll likely outperform them every decade. #indexfunds #investing #RobBerger Tools &"
YouTube Link 2021-08-23T18:47Z 293K followers, 457K engagements
"Vanguard Cash Plus Account Compared To The Best Alternatives 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. Resources Mentioned in the Video: Vanguard Cash Plus Account: https://investor.vanguard.com/accounts-plans/vanguard-cash-plus-account Vanguard Money Market Accounts: https://investor.vanguard.com/investment-products/money-markets Fidelity Money Market Accounts: https://fundresearch.fidelity.com/mutual-funds/summary/31617H102"
YouTube Link 2024-01-19T19:46Z 293K followers, 263.1K engagements
"Vanguard Announces New Fees (Except for the Rich) Vanguard just announced a slate of new fees on everything from getting help buying Vanguard funds to transferring accounts away from Vanguard. If you have at least $1 million or $5 million at Vanguard some fees are waived. Here are the new fees: Broker-assisted commission: A $25 broker-assisted commission will be charged for each Vanguard mutual fund and Vanguard ETF (exchange-traded fund) trade placed over the phone and for closing transactions placed by Vanguard Brokerage Services to cover a margin call or satisfy an outstanding debt"
YouTube Link 2024-05-02T11:54Z 293K followers, 223.9K engagements
"The Hidden Cost of Preparing For the Next Stock Market Crash Live Q&A Join the Newsletter. It's Free: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Financial tools I use: I track all of my investments performance fees and asset allocation with Empower. It's Free: https://go.robberger.com/empower/yt- I use Monarch Money to manage our budget: https://go.robberger.com/monarch-yt/yt-desc My retirement plan comes from Boldin the most robust retirement planner available at a reasonable cost:"
YouTube Link 2025-10-20T20:53Z 293K followers, 39.5K engagements
"What Is The True Cost of a 1% AUM Investment Fee When evaluating fees charged by investment advisors should we look only at the actual dollars spent or should we evaluate the long-term effect these fees have on our wealth That's the question I address in this video. Kitces Article: https://www.kitces.com/blog/financial-advisor-costs-fees-aum-fee-only-high-new-worth-ramit-sethi-facet/ My Response: https://robberger.com/how-should-we-evaluate-financial-planning-fees/ Hourly and Flat Rate Advisors: https://robberger.com/low-cost-financial-advisors/ Join the Newsletter. It's Free:"
YouTube Link 2024-10-31T13:51Z 293K followers, 36K engagements
"7 Golden Rules of Retirement Withdrawal Strategies Retirement withdrawal strategies are about a lot more than just the 4% rule or safe withdrawal rates. To better understand how they work and how you can apply them to your retirement this video walks through [--] rules I follow when it comes to spending down your investments in retirement. Join the Newsletter. It's Free: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Ben Felix Video: https://www.youtube.com/watchv=QGzgsSXdPjo Rising Equity Glide Path:"
YouTube Link 2025-03-18T14:07Z 293K followers, 83K engagements
"5 Money Books That Could Change Someone's Life Live Q&A These [--] books would make a great gift for the holidays: [--]. Retire Before Mom and Dad: https://amzn.to/3L2Vl0M [--]. Mastery by George Leonard: https://amzn.to/4pFDg8h [--]. Your Money or Your Life: https://amzn.to/3XX51No [--]. Atomic Habits: https://amzn.to/4oWZktJ [--]. Poor Charlie's Almanack: https://amzn.to/3KJqQNn Join the Newsletter. It's Free: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Financial tools I use: *I track all of my investments performance fees and asset"
YouTube Link 2025-12-16T00:03Z 293K followers, 23.7K engagements
"How Would Your Retirement Plan Survive a Stock Market Crash Live Q&A Join the Newsletter. It's Free: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Financial tools I use: I track all of my investments performance fees and asset allocation with Empower. It's Free: https://go.robberger.com/empower/yt- I use Monarch Money to manage our budget: https://go.robberger.com/monarch-yt/yt-desc My retirement plan comes from Boldin the most robust retirement planner available at a reasonable cost:"
YouTube Link 2025-07-21T21:03Z 293K followers, 31.5K engagements
"Robinhood 3% IRA Match: Gimmick or Gold Mine 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. Robinhood Match Details: https://go.robberger.com/robinhood-retirement/yt Robinhood Match FAQ: https://robinhood.c3me6x.net/c/186137/1541113/10402u=https%3A%2F%2Frobinhood.com%2Fus%2Fen%2Fsupport%2Farticles%2Fira-match-faq%2F *Join"
YouTube Link 2024-03-28T18:38Z 293K followers, 182.6K engagements
"5 Ways to Rebalance Your Portfolio (And a Free Rebalancing Tool) What is the best approach to rebalancing In this video we'll look at a recent article that tested four different approaches. I'll share a fifth approach and share a free tool you can use to test the different approaches. I'll also share my approach to rebalancing. Portfolio Rebalancing Article: https://go.ycharts.com/hubfs/What_is_the_Optimal_Portfolio_Rebalancing_Strategy_Guide.pdf Video: https://www.youtube.com/watchv=KBVAuL6NfpI Alternative Rebalancing Approach:"
YouTube Link 2025-04-24T14:08Z 293K followers, 26.2K engagements
"The Warren Buffett Portfolio -- [--] Index Funds to Rule Them All The Warren Buffett Portfolio -- [--] Mutual Funds to Rule Them All⛱ M1 Finance Buffett Portfolio: https://go.robberger.com/warren-buffett-portfolio Click "Show More" to see Ad Disclosure M1 Finance Warren Buffett Portfolio: https://go.robberger.com/warren-buffett-portfolio/yt- [----] Berkshire Shareholder letter: https://www.berkshirehathaway.com/letters/2013ltr.pdf Portfolio Visualizer: https://www.portfoliovisualizer.com/ Academic Research: https://web.iese.edu/jestrada/PDF/Research/Refereed/Buffett-AA.pdf Tools & Resources 📚 My"
YouTube Link 2021-03-31T19:07Z 293K followers, 311.8K engagements
"Does the Mag-7 Make a 3-fund Portfolio Too Risky (FQF) In today's Five Question Friday (FQF) video we cover these questions: [--]. Does the Mag-7 make a 3-fund portfolio too risky [--]. Should you invest differently in retirement [--]. Should you max out retirement accounts before investing in a taxable account [--]. Should you create a long-term care fund [--]. Can a non-working spouse contribute to an IRA Resources From Video https://www.voronoiapp.com/markets/The-SP-500-Is-Getting-More-Concentrated--4176 Boldin: https://go.robberger.com/boldin/yt-fqf IRS:"
YouTube Link 2026-01-10T13:02Z 293K followers, 40.4K engagements
"How And Why To Build A TIPS Ladder In Retirement 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. Treasury Inflation-Protected Securities or TIPS for short are U.S. government bonds whose principal amount adjusts for inflation. They are as close a sure thing as an investor can get. Of course there is"
YouTube Link 2023-10-23T17:12Z 293K followers, 96.7K engagements
"Why I'm Leaving My Bank for the Fidelity Cash Management Account I've decided to move most of our checking account funds to the Fidelity Cash Management Account. In this video I'll walk through why I'm making this move. Fidelity CMA: https://www.fidelity.com/spend-save/fidelity-cash-management-account/overview Fidelity SPAXX: https://fundresearch.fidelity.com/mutual-funds/summary/31617H102 Finance Buff Article 1: https://thefinancebuff.com/fidelity-cash-management-checking-savings.html Finance Buff Article 2: https://thefinancebuff.com/best-fidelity-money-market-fund-your-tax-rates.html *Join"
YouTube Link 2024-08-12T14:06Z 293K followers, 1.2M engagements
"How To Use Excel + Claude To Replace Your Budget App Live Q&A Join the Newsletter. It's Free: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Financial tools I use: I track all of my investments performance fees and asset allocation with Empower. It's Free: https://go.robberger.com/empower/yt- I use Monarch Money to manage our budget: https://go.robberger.com/monarch-yt/yt-desc My retirement plan comes from Boldin the most robust retirement planner available at a reasonable cost: https://go.robberger.com/boldin/yt- *I"
YouTube Link 2026-02-09T20:06Z 293K followers, 19K engagements
"Are Growth Stocks Best for a Roth IRA (FQF) We look at the following questions in today's Five Question Friday: [--]. Are growth stocks best for Roth IRAs [--]. How should you pay taxes on retirement account withdrawals [--]. How should you invest in retirement if you are scared of the stock market [--]. What's the ideal set-it-and-forget-it retirement portfolio [--]. Should you withdrawal cash from investment accounts to create an emergency fund Schwab RMD article: https://www.schwab.com/go-digital/rmd Join the Newsletter. It's Free:"
YouTube Link 2025-06-14T01:27Z 293K followers, 54.9K engagements
"RMD Age To Jump To [--] The spending package that is expected to be signed into law this week contains some big changes to 401(k) retirement accounts. One of the big changes is an increase in the Required Minimum Distribution age to [--]. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources NYT Article: https://www.nytimes.com/2022/12/20/your-money/spending-bill-401k-retirement-savings.html WSJ Article: https://www.wsj.com/articles/401k-changes-retirement-plans-congress-11671482120 Investing Tools My"
YouTube Link 2022-12-21T22:09Z 293K followers, 21.9K engagements
"A Better [--] Bucket Strategy Today we look at how the [--] bucket strategy and [--] bucket strategy are fundamentally different. Then I cover what I think is a better [--] bucket strategy. Video Resources New Retirement: https://go.robberger.com/new-retirement/yt-better-bucket-strategy Vanguard Model Portfolios: https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation Best Money Market Accounts: https://www.allcards.com/money-market-accounts/ Best Savings Accounts: https://www.allcards.com/best-savings-account-rates/ Best CDs:"
YouTube Link 2023-08-03T20:35Z 293K followers, 152K engagements
"Do RMDs Beat the 4% Rule as the Best Retirement Withdrawal Strategy Today we look at a retirement spending strategy called the Spend Safely in Retirement Strategy. The Standard Center on Longevity published a paper in [----] describing this approach which was updated in [----]. SSiRS uses just Social Security and RMD calculations for retirement withdrawals. It can be adapted to Roth and taxable accounts as well as to those who retire before RMDs start. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video"
YouTube Link 2023-07-20T17:17Z 293K followers, 78.7K engagements
"The Bond Funds I Use To Protect My Retirement Portfolio (FQF) Welcome back to another edition of Five Question Friday (FQF). Here are today's questions: [--]. what bond funds do I use in my portfolio [--]. Do you really need an emergency fund [--]. How does living off interest work with Bengen's 4% rule [--]. How to track money market funds in my investment tracking spreadsheet [--]. Are money market funds better than intermediate-term bond funds Resources: Big ERN article: - https://earlyretirementnow.com/2016/05/05/emergency-fund/ Bengen article:"
YouTube Link 2025-02-14T14:50Z 293K followers, 195.3K engagements
"Claim Social Security at [--] and Invest the Money--Good or Bad Idea Several viewers have recently asked me whether it makes sense to claim social security at [--] if you plan to invest the money. At first it seems like a solid strategy. While your monthly benefit will be lower you get years of investment returns you'd otherwise forfeit. It turns out however that the issue is a bit more complex. First depending on your investment returns claiming social security at [--] may or may not turn out in your favor. The arguably more important issue however is taxes. Claiming social security at [--] could"
YouTube Link 2022-02-11T18:26Z 293K followers, 53.8K engagements
"The Secret Cost of Mutual Funds and ETFs A fund's expense ratio is not the only fee investors pay to invest in a mutual fund or ETF. You also must pay the fund's transaction costs it incurs when buying and selling stocks and bonds. And these transaction fees are not part of the expense ratio. The good news for index fund investors is that these passively managed funds incur far fewer transaction costs than actively managed funds. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Investing Tools My Book"
YouTube Link 2023-01-18T17:31Z 293K followers, 78.7K engagements
"Fidelity vs Vanguard vs Schwab: My Take Having Used All [--] for 20+ Years Today we'll look at three of the largest investing platforms Fidelity Vanguard and Schwab. I'll share [--] things based on using these platforms for 20+ years. Tools mentioned in the video: Empower: https://robberger.com/tools/empower/ Kubera: https://robberger.com/tools/kubera/ Stock Rover: https://robberger.com/tools/stock-rover/ Full View: https://www.fidelity.com/go/monitoring-your-financial-portfolio Join the Newsletter. It's Free:"
YouTube Link 2024-04-07T11:25Z 293K followers, 731.1K engagements
"Can the Bucket Strategy Eliminate Sequence of Returns Risk A viewer named Bill emailed me today about the bucket strategy. He has watched my videos on the bucket strategy and understands why I don't recommend it. He wants to know if the traditional approach of a total return portfolio with annual rebalancing negates the sequence of returns risk. It's a great question and I share my perspective in today's video. Video Resources FICALC: https://robberger.com/tools/ficalc/ Kitces article:"
YouTube Link 2024-02-23T19:51Z 293K followers, 60K engagements
"2025 Year-End Investment Portfolio Review In this [----] Year-End Investment Portfolio Review we cover the following topics: [--]. Asset Allocation a. Diversification / changes b. Rebalancing [--]. Simplification [--]. Beneficiaries [--]. Performance [--]. Tax Loss or Gain Harvesting [--]. Fees a. Fund fees b. Advisor fees [--]. Evaluate Your Performance a. Did you buy/sell anything b. What worried you during the year Resources From Video Empower: https://go.robberger.com/empower/yt-yearend Kubera: https://go.robberger.com/kubera/yt-yearend Snowball Analytics:"
YouTube Link 2025-12-23T13:37Z 293K followers, 59.7K engagements
"The Ideal Stock/Bond Allocation Based on Your Age In this video we'll look at a simple formula to help investors determine the stock and bond allocation percentages based on their age. Sponsor: https://go.robberger.com/new-retirement/yt-stock-bond-allocation Vanguard Model Portfolio Returns: https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation Bengen's [----] Paper: https://kyestates.com/wp-content/uploads/2015/02/Bengen1.pdf Bengen's [----] Paper: http://www.simonemariotti.com/downloads/Papers%20finanziari/Bengen%2096.pdf 0:00 - The Ideal Stock/Bond"
YouTube Link 2023-08-09T18:42Z 293K followers, 163.4K engagements
"The 3-Fund Portfolio: [--] Myths Everyone Gets Wrong The 3-Fund Portfolio is an excellent low-cost way to invest at any age and with any amount of wealth. And yet several myths and misconceptions still persist about this simple yet sophisticated portfolio. So in this video I tackle [--] of those myths. My 3-Fund Portfolio Video: https://www.youtube.com/watchv=kmw8OpGp2rM Empower: https://go.robberger.com/empower/yt-myths Bogleheads [--] Fund Portfolio: https://www.bogleheads.org/wiki/Three-fund_portfolio VTI: https://www.morningstar.com/etfs/xmex/vti/portfolio VXUS:"
YouTube Link 2025-09-17T14:15Z 293K followers, 60.4K engagements
"How Id Invest a 401k Rollover Today A viewer named Amy asked me the following question about investing a 401(k) rollover: What specific funds would you recommend for NEWLY RETIRED individuals (about to roll over their 401K to an IRA) who are clients at FIDELITY In this video I'll answer Amy's question with several suggestions of both mutual funds and ETFs you might want to consider for your retirement portfolio. Join the Newsletter. It's Free: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Resources Mentioned in Video"
YouTube Link 2025-04-02T14:44Z 293K followers, 45.6K engagements
"ProjectionLab Review Financial Planning Software Today we take a detail look into a fairly new financial planning software called Projection Lab: https://go.robberger.com/projectionlab. As you'll see the tool offers a lot of features and an excellent user interface for a reasonably price. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources ProjectionLab: https://go.robberger.com/projectionlab Investing Tools My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B Personal Capital"
YouTube Link 2022-11-03T11:54Z 293K followers, 58.8K engagements
"Bond Investing 101--A Beginner's Guide to Bonds Bond Investing 101--A Beginner's Guide to Bonds Most investors include bond ETFs or mutual funds in their portfolio. Yet do we really understand how bonds work. For example when interest rates go up the value of existing bonds go down. Why And are all bonds more or less the same These are important questions for investors particularly those near or in retirement. For retirees like myself we tend to invest more of our portfolio in bonds and fixed income. We better know what we are doing. In this video I'll cover everything you need to know to"
YouTube Link 2021-07-18T11:33Z 293K followers, 371.7K engagements
"How to Create a [--] Fund Portfolio A Beginner's Guide Sallie Mae 14-Month No-Penalty CD now at 2.50% (via SaveBetter): https://go.robberger.com/sallie-mae-14-no-penalty-cd/yt- 3-Fund Portfolio: https://go.robberger.com/3-fund-portfolio/yt- 4-Fund Portfolio: https://go.robberger.com/4-fund-portfolio/yt- 5-Fund Portfolio: https://go.robberger.com/5-fund-portfolio/yt- 6-Fund Portfolio: https://go.robberger.com/6-fund-portfolio/yt- M1 Finance: https://go.robberger.com/m1finance/yt- Tools & Resources 📚 My Book (of course): https://amzn.to/2MsRJ9B ✅ Personal Capital:"
YouTube Link 2021-02-23T21:31Z 293K followers, 570.3K engagements
"Where Is the Best Place to Park cash Today (FQF) In today's Five Question Friday (FQF) video we cover these questions: [--]. Where is the best place to park cash today [--]. Should you invest or pay off student loans [--]. Are Schwabs Target Date Retirement Funds a solid option [--]. When should you start spending your IRA money [--]. Should a TIPS ladder be part of a retirement portfolio Resources From Video Aura: https://go.robberger.com/aura/yt-fqf (Up to 53% Off) Vanguard MMF (VMFXX): https://investor.vanguard.com/investment-products/mutual-funds/profile/vmfxx Vanguard (VBIL):"
YouTube Link 2025-12-19T13:50Z 293K followers, 149.3K engagements
"A Simple Way to Leave Your Financial Advisor to Invest On Your Own Without Fear (FQF) In today's episode of Five Question Friday (FQF) we start with a strategy you might consider if you want to leave your expensive financial advisor but you are afraid of going it alone. Here are all the questions in today's show: [--]. How to leave your financial advisor [--]. TIPS ladder vs BND [--]. Are Target Date Funds a Reasonable Option [--]. If a person has over $250000 in a Fidelity account should they open up another account - say with Vanguard Schwab M1 Finance or perhaps another brokerage - elsewhere as well"
YouTube Link 2025-01-17T20:50Z 293K followers, 77.5K engagements
"Empower Problems Explained - Whats Going On and the Best Alternatives Empower is one of my favorite all-in-one financial tools but its recent migration caused headaches for a lot of users. Heres whats happening why its such a challenge to find a true replacement and a few tools that come close. Tools mentioned in this video: Empower: https://go.robberger.com/empower/yt-emplower-alt Simplifi: https://go.robberger.com/simplifi/yt-empower-alt Monarch: https://go.robberger.com/monarch-rob50/yt-emplower-alt (use promo code ROB50 for 50% off the first year) Origin:"
YouTube Link 2025-11-04T21:22Z 293K followers, 27K engagements
"How to Safely Spend More Money in Retirement The Ratcheting Rule The 4% Rule is designed with one goal in mind--to give retirees the best chance of not running out of money over a 30-year retirement. In most cases however a retiree ends up with significantly more money after [--] years of following the 4% Rule. In some cases 6x what they started with The Ratcheting Rule developed my Michael Kitces is designed to increase spending throughout retirement if market returns and inflation turn out to be favorable. Join the newsletter:"
YouTube Link 2023-04-19T15:14Z 293K followers, 45K engagements
"Avantis Funds--Does "Financial Science" Produce Better Returns I've been asked countless times what my thoughts are on Avantis ETFs and mutual funds. In this video I walk through the history of Avantis its approach to investing and compare two of its funds. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources Avantis: https://www.avantisinvestors.com/content/avantis/en/institutional-investors.html Investing Tools My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B Personal Capital"
YouTube Link 2022-06-24T14:34Z 293K followers, 18.6K engagements
"3 Simple Ways to Invest All of Your Money After You Retire 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 video will look at several options for one-fund investments in retirement. Keep in mind that these funds are best suited for tax-advantaged accounts like traditional and Roth IRAs. Video Resources Vanguard LifeStrategey Funds: https://investor.vanguard.com/investment-products/mutual-funds/life-strategy-funds Vanguard LifeStrategy Moderate"
YouTube Link 2023-11-15T22:27Z 293K followers, 586.5K engagements
"Retirement Annuities--Should you Buy an Income Annuity (SPIA) in Retirement Should you use some or all of your retirement savings to buy an income annuity That's the question we look at in this video. Called a Single Premium Immediate Annuity these annuities don't come with all of the fees and complexities of other annuity products. Yet it can still be difficult to decide if you need one when you should buy it and how much you should invest. In this video I'll share annuity calculators an annuity formula and a number of resources that can help you decide whether an income annuity is right for"
YouTube Link 2021-10-06T13:43Z 293K followers, 153.1K engagements
"Are RMDs Really a Big Deal Yes especially if you have large traditional retirement balances. RMDs grow as you age and deserve careful planning. #RetirementPlanning #FinancialPlanning #Retirement"
YouTube Link 2026-02-06T18:30Z 293K followers, 17.6K engagements
"Are Multi-Year Guaranteed Annuities (MYGA) A Good Investment Today we are going to take a deep dive into MYGAs--multi-year guaranteed annuities. Resources Mentioned in Video: Blueprint Income: https://www.blueprintincome.com/ StantheAnnuityMan: https://www.stantheannuityman.com/myga-quotestate=AL&years=5 MYGA Rates in 2022: https://web.archive.org/web/20220114182843/https://www.stantheannuityman.com/ AM Best FSR: https://risk.nv.gov/uploadedfiles/risknvgov/content/Contracts/AMbestGuideToFinancialStrengthRatings.pdf Bogleheads MYGA Thread: https://www.bogleheads.org/forum/viewtopic.phpt=322973"
YouTube Link 2024-08-14T17:32Z 293K followers, 39.6K engagements
"9 Health Insurance Options for Early Retirement For those who retire before [--] they must cover their health insurance until they qualify for Medicare. That's exactly the situation my wife and I are in. So I put together [--] options to consider if you are an early retiree. Here are links to the sources I referenced in the video: https://www.kff.org/medicare/issue-brief/retiree-health-benefits-going-going-nearly-gone/ https://www.dol.gov/agencies/ebsa/laws-and-regulations/laws/cobra https://www.cms.gov/CCIIO/Programs-and-Initiatives/Other-Insurance-Protections/cobra_qna"
YouTube Link 2024-05-30T16:29Z 293K followers, 46.5K engagements
"Should You Fire an Expensive Investment Advisor (1% AUM or More) Here are [--] things to consider when deciding whether to leave your investment advisor (plus one bonus tip). Personal Capital Fee Analyzer: https://robberger.com/go/personal-capital-fee-analyzer/yt-fire-advisor This video is in response to the following question a viewer recently asked me: "Should I dissolve my relationship with my financial advisor They charge just 1% as they say. Heres why Im hesitating: They manage my traditional IRA and one of my taxable accounts and together thats about 1/3 of my total stock/bond investments."
YouTube Link 2022-03-29T18:04Z 293K followers, 107.1K engagements
"Jack Bogle: "Never" Rebalance Your Investment Portfolio (and how to do it if you must) Jack Bogle: "Never" Rebalance Your Investment Portfolio (and how to do it if you must) Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Resources Mentioned in the Video: Investment Tracking Spreadsheet: https://robberger.com/investment-tracking-spreadsheet/utm_source=Rob+Berger&utm_medium=Link&utm_campaign=Newsletter&utm_id=YouTube Opportunistic Rebalancing paper:"
YouTube Link 2021-08-17T19:38Z 293K followers, 225.5K engagements
"12 Things You Must Know About A Backdoor Roth IRA (Including If It's Worth The Hassle) Today we take a deep dive into a Backdoor Roth IRA. This strategy enables high-income earners to get money into a Roth IRA. We'll walk through what you need to know and crunch some numbers to see if a Backdoor Roth IRA is worth the hassle. Timestamps 0:00 What is a Backdoor Roth IRA 0:57 401k vs IRA 2:35 Deductible vs Non-Deductible IRA Contributions 3:49 Why Make Non-Deductible Contributions 5:06 Backdoor Roth IRA Strategy 5:55 History of the Backdoor Roth IRA 8:04 Annual IRA Contribution Limits 10:08"
YouTube Link 2023-12-21T13:33Z 293K followers, 227.9K engagements
"Why I Use VTINX in Retirement Accounts One fund low fees and the right mix: 30% stocks 70% bonds. It lets my family manage things easily if something happens to me and it hits the allocation I want. #RetirementPlanning #FinancialPlanning #Retirement"
YouTube Link 2025-12-25T06:24Z 293K followers, 36.4K engagements
"What are the Best Investments to Hold in a Roth IRA Viewer question answered: What are the best assets to hold in a SEP (or traditional IRA) and a Roth IRA Rob Berger & CFP Andy Planko break down the best place to hold your assets to help you keep more of what grows. Join the Newsletter. It's Free: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Financial tools I use: I track all of my investments performance fees and asset allocation with Empower. It's Free: https://robberger.com/empower *My retirement plan comes from"
YouTube Link 2025-04-01T17:37Z 293K followers, 65K engagements
"How to Invest in a Taxable Account Live Q&A Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources & Timestamps 0:00 - Welcome to The Financial Freedom Show 1:50 - What is "tax efficiency" 9:52 - Rob's Re-Balancing quandary 13:34 - Passing HSAs to heirs (HSAs vs. Roth IRAs) 15:43 - Jeremy Grantham's dire prediction - skew to Int'l or USA sectors 23:30 - Bengals going to the Super Bowl 23:44 - State taxable HSA in CA 25:20 - Fund selections based on taxable vs. tax-advantaged 26:37 - NTSX (invests"
YouTube Link 2022-02-01T02:13Z 293K followers, 140.7K engagements
"What Happens to Our Investments if Schwab Fidelity or Vanguard Collapse 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://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources SVB Balance Sheet:"
YouTube Link 2023-03-17T20:44Z 293K followers, 2.1M engagements
"How to Invest a Large Inheritance (FQF) In today's Five Question Friday (FQF) video we cover these questions: [--]. How to invest a large inheritance [--]. What return assumption should we use in retirement planning software [--]. How does a TIPS fund protect us against inflation [--]. Is Morningstar Investor a good tool to track a portfolio [--]. What is Vanguard Investor Choice Resources From Video Low Cost Advisors: https://robberger.com/low-cost-financial-advisors/ Plan Vision Videos: https://www.planvisionmn.com/get-started/ 3-Fund Portfolio Video: https://www.youtube.com/watchv=kmw8OpGp2rM 3-Fund"
YouTube Link 2026-02-06T19:31Z 293K followers, 25.7K engagements
"Have We Been Lied To About Social Securitys Break-Even Age (FQF) In today's Five Question Friday (FQF) video we look at these five questions: [--]. Have we been lied to about our Social Security break-even age [--]. Is it ok to restart the 4% rule if the market goes up in early retirement [--]. I am nervous about the run up in AI stocks . . . Could it be a good idea to consider diversifying from VTI to an equal-weighted index fund like Invesco S&P Equal Weight ETF or others like it [--]. Im [--] and I would like to begin annual Roth conversions from my traditional IRAs. Can you review the rules surrounding"
YouTube Link 2025-11-07T12:02Z 293K followers, 100.5K engagements
"How to FINALLY Get Out of Debt [--] Steps to Debt Freedom How to FINALLY Get Out of Debt⛱ [--] Steps to Debt Freedom Debt Payoff Calculator: https://www.allcards.com/debt-payoff-calculator/ Tools & Resources 📚 My Book (of course): https://amzn.to/2MsRJ9B 💰 Empower (Personal Capital): https://go.robberger.com/empower/yt- 🏦 Checking accounts: https://www.allcards.com/best-checking-accounts/utm_source=youtube&utm_medium=rb&utm_campaign=short description of video 💲 Online savings accounts: https://www.allcards.com/best-online-savings-account-rates/utm_source=youtube&utm_medium=rb&utm_campaign=short"
YouTube Link 2021-05-07T21:11Z 293K followers, 618.8K engagements
"A Quick Guide to Fixed Income Live Q&A Tonight we start by talking about fixed income. Then I answer your questions. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Timestamps 0:00 - Welcome to the Financial Freedom Show 0:42 - A Quick Guide to Fixed Income 6:32 - Treasury Yield Curve 9:50 - Model for higher inflation in new retirement 14:52 - Taxes/Traditional IRA 17:21 - Dividends in a taxable account 18:22 - I Bonds 21:09 - 401A 22:52 - Capital gains 25:57 - TIAA in a 403B 28:07 - FXNAX 29:56 - Owning"
YouTube Link 2023-05-02T00:45Z 293K followers, 25.3K engagements
"Empower Retirement Planner Workshop Live Q&A Tonight we'll look at Empower's Retirement Planner (https://go.robberger.com/empower/yt-workshop compare it to other options and answer your questions about how to use the tool. Join the Newsletter. It's Free: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Financial tools I use: I track all of my investments performance fees and asset allocation with Empower. It's Free: https://go.robberger.com/empower/yt- *My retirement plan comes from New Retirement the most robust"
YouTube Link 2024-10-02T00:43Z 293K followers, 29.9K engagements
"Warren Buffett Just Dumped Berkshire's S&P [---] Index Funds. Should we Warren Buffett recently sol 100% of the two S&P [---] index funds Berkshire Hathaway owned including Vanguard's VOO. In this video we'll look at whether we should too. News Article: https://www.investors.com/etfs-and-funds/sectors/sp500-warren-buffett-dumps-2-stocks-he-told-everyone-to-buy/ Berkshire's Stock Holdings: https://www.dataroma.com/m/holdings.phpm=BRK Berkshire's Net Stock Sales: https://x.com/dividend_data/status/1820228496880259504 0:00 - Intro 0:28 - News Article 1:54 - Berkshire's Stock Holdings 4:57 -"
YouTube Link 2025-02-22T11:41Z 293K followers, 376.3K engagements
"5 Best Retirement Calculators and Planners (#1 is Free) Retirement calculators can help us plan and prepare to retire. When we are years away these online tools can help us determine how much we should be saving. As we approach our time to retire they can help us understand how much we can spend each year and which accounts should fund that spending. Not all retirement tools however reach the same result. They take different approaches to what is a complex series of calculations and assumptions. One study examined five popular retirement planning software packages and found stark differences"
YouTube Link 2021-09-19T20:50Z 293K followers, 91.1K engagements
"Free [----] Tax Estimator: Calculate Your Federal Taxes in Minutes (FQF) In today's Five Question Friday (FQF) video we cover this questions: [--]. Can you recommend a detailed tax estimator [--]. How to plan Roth conversions without a fancy retirement planner [--]. Should you pay off a mortgage early or invest the money [--]. Are identity theft protection services worth the cost [--]. How does reinvesting vs spending dividends affect return assumptions for retirement planning Resources [----] Tax Calculator: https://www.efile.com/tax-return-calculator-for-2025-refund-estimator/ Note: eFile is still"
YouTube Link 2025-10-03T20:21Z 293K followers, 74.3K engagements
"How to Fire Your Financial Advisor (and possibly sue them) A viewer emailed me with a heartbreaking story. Her financial advisor convinced her to surrender an annuity pay a $10000 fee and then buy another annuity. The advisor earned a big fat commission while the viewer at best would break even over time. This raises the possibility that her advisor was engaged in a practice known as "annuity churning." Now she wants to fire her advisor. What should she do In this video I walk through some steps to consider if you face similar circumstances. Please note that I'm not offering financial or"
YouTube Link 2025-08-25T14:07Z 293K followers, 18.2K engagements
"Will Your Mutual Funds or ETFs Distribute Capital Gains this Year December is the month when many mutual funds and even ETFs distribute capital gains to unsuspecting shareholders. In this video we'll discuss why this happens how you can know in advance if your funds will distribute short-term or long-term capital gains and what you can do about it. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources Vanguard [----] Estimated Capital Gains: https://www.vanguard.com/pdf/PIFYEEST_122022.pdf Fidelity:"
YouTube Link 2022-12-09T21:55Z 293K followers, 13K engagements
"Should You Ever Rebalance in a Taxable Account (FQF) In today's Five Question Friday (FQF) video we cover these questions: [--]. Should you ever rebalance in a taxable account [--]. Are covered-call ETFs a reasonable way to generate income [--]. Should Roth conversions consider ACA tax credits [--]. Why do retirement calculators generate different results [--]. How do you plan for a [--] year retirement Resources From Video https://www.financialplanningassociation.org/sites/default/files/2021-08/APR07%20Rebalancing%20for%20Taxable%20Accounts.pdf"
YouTube Link 2026-01-17T02:14Z 293K followers, 28.2K engagements
"Two Big Benefits Berkshire Hathaway Has Over Mutual Funds (and Warren Buffett isn't one of them) Berkshire Hathaway offers two significant benefits over most large cap mutual funds. Here I'm not talking about Warren Buffett. Rather it's the company's tax-efficiency and ability to buy whole companies. While it's not a replacement for low cost index funds I've found it to be a great addition to an otherwise well diversified portfolio. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Investing Tools My Book"
YouTube Link 2022-08-25T16:01Z 293K followers, 29.9K engagements
"Is Social Security a Ponzi Scheme Is Social Security a Ponzi Scheme It might feel like one but it's not. Heres why Social Security isnt a fraud even though you mightve done better investing the money yourself. #RetirementPlanning #FinancialPlanning #Retirement #socialsecurity"
YouTube Link 2025-10-20T18:31Z 293K followers, [----] engagements
"Is BOXX ETF Legit The Alpha Architect 1-3 Month Box ETF (BOXX) has become a popular investment. It promises the risk and returns of Tbills but with capital gains tax treatment rather than ordinary income. Is it too good to be true Probably. Here's what we'll cover in this video: [--]. What is BOXX [--]. How does it work [--]. How has BOXX performed [--]. What are the promised tax benefits [--]. What are the tax risks [--]. My Take Resources: BOXX ETF: https://etfsite.alphaarchitect.com/boxetf/#documents Prospectus:"
YouTube Link 2024-08-04T19:09Z 293K followers, 35.6K engagements
"Can You Retire Early With 100% VTI Using the 4% Rule Q&A A viewer asked whether he could retire at the age of [--] with a 100% portfolio of VTI (Vanguard's total U.S. Stock Index ETF) using the 4% Rule. I think there are at least [--] big concerns with this plan: [--]. The 4% rule assumed a [--] year retirement; [--]. It found that a 100% stock portfolio could fail a [--] year retirement in some markets [--]. A 100% U.S. stock allocation makes a big bet on the U.S. over the next [--] or [--] decades. Join the newsletter:"
YouTube Link 2022-02-06T20:53Z 293K followers, 78.6K engagements
"When Should You Change Your Asset Allocation (FQF) In today's Five Question Friday (FQF) we'll tackle the following questions: [--]. Is now a good time to change your asset allocation [--]. Do target date funds force you to sell stocks in a down market [--]. Does the IRS treat the withdrawal of dividends as taking out earnings or contributions from a Roth IRA [--]. Is an 80% Chance of Success in Retirement reasonable [--]. How much should you allocate to international stocks Boldin: https://go.robberger.com/boldin/yt-fqf ProjectionLab: https://go.robberger.com/projectionlab/yt-fqf FICalc:"
YouTube Link 2025-05-10T19:51Z 293K followers, 36.7K engagements
"A Complete Guide to Bond Investing Investors today are nervous about bonds because of the historically low yields. The fear is that as interest rates rise the value of existing bonds will fall. In this video we'll walk through bond investing for beginners. I'll cover how bonds work my approach to bonds and some suggesting bond funds. If you find this information useful consider joining my weekly newsletter: Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Note: At 26:14 my reference to I bonds should have"
YouTube Link 2021-12-06T20:48Z 293K followers, 139.9K engagements
"Investing Without a Retirement Timeline Some people know their retirement date. I dont. Thats why my portfolio is built for flexibility not a specific year. #RetirementPlanning #FinancialPlanning #Retirement"
YouTube Link 2026-02-05T18:30Z 293K followers, [----] engagements
"Lump Sum vs Pension--What is the 6% Rule (Five Question Friday) Welcome to the first episode of Five Question Friday (FQF). I'll answer five questions from past live shows that we didn't get to. Today we're covering the following questions: 0:00 - Intro 0:48 - Is the 6% Rule on Lump Sum vs Pension Reasonable 3:53 - What will my stock/bond allocation be when I reach [--] 7:41 - How do you decide between a Roth Conversion and 0% Capital Gains Harvesting 13:44 - What's the best credit card for travel 18:03 - Should an early retiree pay off their low-rate mortgage [--]. Is the 6% Rule on Lump Sum vs"
YouTube Link 2024-11-22T20:12Z 292K followers, 42.4K engagements
"Leveraged ETFs: TQQQ vs QQQ -- Buyer Beware Leveraged ETFs offer 2x or 3x the returns of an underlying index on a daily basis. Unfortunately many investors mistakenly believe that a leveraged ETF can offer 2x or 3x annual returns of an index. In truth these geared funds as they are called can deviate from 2x or 3x performance in just days. As a result they are highly volatile investments that can devastate a investor's portfolio. The attraction to TQQQ is the result of the incredible bull run of the underlying index (QQQ) over the past decade. Had TQQQ existed in [----] to [----] or even [----] the"
YouTube Link 2021-10-11T15:30Z 293K followers, 92.2K engagements
"Berkshire Hathaway: Safe Haven or Stock It may hold up better at times but Berkshire can still drop sharply. Its best viewed as a stock not a substitute for bonds. #RetirementPlanning #FinancialPlanning #Retirement"
YouTube Link 2026-02-02T19:30Z 293K followers, [----] engagements
"Treasury Ladder vs. CD Ladder Should you build a Treasury ladder or a CD ladder Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources https://fixedincome.fidelity.com/ftgw/fi/FILanding Investing Tools My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B Personal Capital (Investment Tracking Retirement Planning): https://robberger.com/go/personal-capital/yt- New Retirement (Retirement Planner): https://robberger.com/go/new-retirement/yt- Stock Rover: https://robberger.com/go/stock-rover/yt-"
YouTube Link 2022-10-24T15:04Z 293K followers, 35.6K engagements
"Morningstar Investor Review Is It Worth The Cost 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 newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources Morningstar Investor ($50 discount):"
YouTube Link 2023-06-29T18:43Z 293K followers, 35.1K engagements
"Why Id Buy a Gold ETF Not a Gold IRA Gold IRAs come with fees storage costs and markups. If you want gold exposure a low-cost ETF like GLD is the simpler smarter choice. #RetirementPlanning #FinancialPlanning #Retirement #goldinvestments"
YouTube Link 2025-11-07T19:31Z 293K followers, [----] engagements
"Is AI a Threat to Jobs and Markets AI will disrupt some jobs just like every major technology before it. But history suggests it also creates new opportunities and no one truly knows how it will play out. #RetirementPlanning #FinancialPlanning #AI"
YouTube Link 2026-02-04T18:31Z 293K followers, [----] engagements
"Retired and Dont Need Your Savings Heres How to Invest It First ask: Are you truly sure youll never want or need this money If the answer is yes then think long-term. That usually means more stocks than bonds similar to how youd invest before retirement. #RetirementPlanning #FinancialPlanning #Retirement"
YouTube Link 2025-12-31T19:30Z 293K followers, 21.4K engagements
"Rewards Stacking: How I Build Wealth with Credit Card Rewards Several years ago I stumbled upon a quote from Dave Ramsey about credit card rewards. Ill never forget those [--] 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 arent special. Saving and investing small amounts of money from any source over time will turn into piles of cash. We just need to allow compounding to work its magic. It was then that the idea of Rewards Stacking"
YouTube Link 2024-04-24T14:24Z 293K followers, 40.9K engagements
"When Retirement Feels Scarier Than the Math Lower spending changes everything. At a 23% withdrawal rate your portfolio may be far more durable than you think. #RetirementPlanning #FinancialPlanning #Retirement"
YouTube Link 2026-02-03T18:30Z 293K followers, 10.7K engagements
"Should We Invest in Emerging Markets A total international fund will include some exposure to emerging markets. The question we cover in this video is whether we should seek additional exposure through an emerging market ETF or mutual fund. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Investing Tools My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B Personal Capital (Investment Tracking Retirement Planning): https://robberger.com/go/personal-capital/yt- New Retirement (Retirement Planner):"
YouTube Link 2022-10-25T18:31Z 293K followers, 20.9K engagements
"Can I Restart the 4% Rule During Retirement (FQF) In today's Five Question Friday (FQF) video we cover these questions: [--]. Can I restart the 4% Rule during retirement [--]. How does Morningstar Investor compare to Empower [--]. How to invest your monthly 401k or IRA contributions [--]. Should retirees hold commodities or crypto [--]. Is VGIT a better option than BND Resources From Video Boldin: https://go.robberger.com/boldin/yt-fqf Morningstar Investor: https://go.robberger.com/morningstar/yt-fqf Empower: https://go.robberger.com/empower/yt-fqf Snowball Analytics:"
YouTube Link 2026-01-02T12:45Z 293K followers, 28.8K engagements
"Do You Really Need Bonds Rethinking the Classic Retirement Portfolio (FQF) (Republished) In today's Five Question Friday (FQF) video we cover these questions: [--]. Should you have a 100% stock portfolio until you die [--]. Should you use multiple brokers to increase SIPC coverage [--]. How does Right Capital compare to Boldin [--]. Is Berkshire Hathaway a safe investment [--]. How do you calculate RMDs Resources From Video https://www.wsj.com/finance/investing/should-you-just-buy-stocks-until-you-die-a22b3d7bst=Rm7ufc&reflink=article_email_share"
YouTube Link 2026-02-05T11:22Z 293K followers, 17.9K engagements
"The Bucket Strategy is Flawed--Do this Instead The Bucket Strategy is Flawed--Do this Instead⛱ Personal Capital: 📈 Personal Capital: https://go.robberger.com/personal-capital/yt- 💰 M1 Finance $30 Bonus: https://go.robberger.com/m1finance-bonus/yt Click "Show More" to see Ad Disclosure The bucket strategy of retirement investing is flawed. In theory it helps retirees avoid selling stocks in a down market. Yet the bucket strategy suffers from several problems. First in a down market one should be buying stocks not just avoiding selling. Second it's very difficult to know when to move money"
YouTube Link 2021-06-17T11:01Z 293K followers, 196.7K engagements
"How to Invest $15 Million In today's Five Question Friday (FQF) video we cover these questions: [--]. How to invest $15 million [--]. For the 4% withdrawal rate devised by Bill Bengen what measure of inflation did he use Are there other measures that you think might be more appropriate [--]. If you have a retirement portfolio with a 6% yield does the 4% rule apply [--]. Is a 7-year MYGA a better deal than a 7-year Treasury [--]. If the yield from a High Yield Savings account is paying out [---] to 4.0% why would it ever be a good investment to buy bonds or bond ETFs with their recent volatility Bonus"
YouTube Link 2025-10-17T14:05Z 292K followers, 35.5K engagements
"The Good-Enough Strategy for a Confident Retirement Live Q&A Join the Newsletter. It's Free: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Financial tools I use: I track all of my investments performance fees and asset allocation with Empower. It's Free: https://go.robberger.com/empower/yt- I use Monarch Money to manage our budget: https://go.robberger.com/monarch-yt/yt-desc My retirement plan comes from Boldin the most robust retirement planner available at a reasonable cost: https://go.robberger.com/boldin/yt- *I"
YouTube Link 2025-12-01T20:08Z 293K followers, 44.7K engagements
"Vanguard ETF vs Mutual Funds -- Is One More Tax Efficient Sallie Mae 14-Month No-Penalty CD @ 2.70% APY (via SaveBetter): https://www.allcards.com/go/sallie-mae-14-no-penalty-cd/yt-vanguard etf-mutual-fund Today's video comes from last week's live Q&A. Many viewers have asked that I publish short clips from the [---] hour Q&A shows and this is my first. In this short video we cover whether Vanguard ETFs such as VTI are more tax efficient than the Vanguard mutual fund such as VTSAX. As you'll see Vanguard mutual funds tend to be as tax efficient as the ETF version. However this isn't always true"
YouTube Link 2022-08-15T16:06Z 292K followers, 28.8K engagements
"Creating a Retirement Paycheck--Which Investments to Withdraw from First A viewer named Steve asked the following quesiont: I have searched up and down and no one.seriously no one.has a video on how you withdraw in retirement when you have multiple funds in [--] account. The only videos out there are what buckets to pull from first but not how to withdraw from a source in retirement. Let's say you have a 401K with a Total Stock Market Fund Small Cap Reit and Bonds.at 25% across the board. Now in retirement.how do you take out the 4% Is it 1% for each fund What if they were not all 25% and were"
YouTube Link 2022-05-05T11:31Z 293K followers, 52K engagements
"The Truth About Living Off Dividends in Retirement Living off dividends in retirement can be a very safe approach to retirement spending. But it has nothing to do with the dividend. Here's why. In addition to what's in the video living off of dividends may not keep up with inflation. That's particularly true with higher yielding investments. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Investing Tools My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B Personal Capital (Investment Tracking"
YouTube Link 2022-11-01T12:52Z 293K followers, 50.1K engagements
"How to Leave Your Investment Advisor (It's Easier Than You Think) I've received countless emails from viewers sharing horror stories about their investment advisor. One viewer shared that his advisor had him in a complex 24-fund portfolio Here's an email from a viewer named Dan: "I have a financial advisor at Edward Jones who has most of my retirement investments I've rolled over all my 401ks to IRAs with her about $500k worth now. She has me in a bunch of managed mutual funds. I would like to move everything to low cost ETFs like VTI. Does it make sense to move everything or does the cost of"
YouTube Link 2022-06-13T13:21Z 292K followers, 50.8K engagements
"New Bitcoin ETFs: Should Bogleheads Take The Plunge With the launch of Bitcoin Spot ETFs investors now have a safe low-cost way to own Bitcoin. In this video we'll look at some examples of these new ETFs and then I'll make the strongest case I can in favor of adding Bitcoin to an asset allocation portfolio. Then I'll share how I'm approaching Bitcoin and why. Join the Newsletter. It's Free: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Financial tools I use: *I track all of my investments performance fees and asset"
YouTube Link 2024-01-12T15:18Z 293K followers, 34.7K engagements
"How to Invest $1 Million A Simple Strategy to Invest a Windfall How to Invest $1 Million A Simple Strategy to Invest a Windfall ⛱ The Bogleheads' Guide to Investing: https://amzn.to/2PyjiQN The Four Pillars of Investing: https://amzn.to/3fPf8iv The Little Book of Common Sense Investing: https://amzn.to/3uiKp0W Tools & Resources 📚 My Book (of course): https://amzn.to/2MsRJ9B 💰 Personal Capital: https://go.robberger.com/empower/yt- 🏦 Checking accounts: https://www.allcards.com/best-checking-accounts/utm_source=youtube&utm_medium=rb&utm_campaign=1million 💲 Online savings accounts:"
YouTube Link 2021-04-02T23:45Z 292K followers, 474K engagements
"How Should We Respond to Downgrading of U.S. Credit Rating Live Q&A 0:00 - Intro 0:38 - How Should We Respond to Downgrading of U.S. Credit Rating 18:03 - Keeping money in safe assets to avoid SOR risks 21:51 - Treasuries approaching 5% 28:44 - Could AI replace Boldin and ProjectionLab 37:10 - Name of the restaurant 38:49 - Portfolio with VTI BRK-B SCHD VXUS and BND 44:07 - Corporate Bonds vs Government Bonds/TIPS 51:14 - The presenter 54:37 - Portfolio for retiring/moving outside of U.S. 57:02 - Can Roth IRA's from multiple sources be combined 59:24 - SCHD 1:00:46 - Boldin's Withdrawal Order"
YouTube Link 2025-05-19T20:54Z 293K followers, 27.3K engagements
"How Do You Protect Your Portfolio as You Near Retirement (FQF) In today's Five Question Friday (FQF) video we cover these questions: [--]. How do you protect your portfolio as you near retirement [--]. How does asset location work if you must draw from taxable accounts [--]. Should you automatically reinvest dividends [--]. How can I diversify away from the S&P [---] [--]. What is the safe withdrawal rate for a [--] year retirement Resources From Video https://www.kitces.com/blog/managing-portfolio-size-effect-with-bond-tent-in-retirement-red-zone/"
YouTube Link 2026-01-23T23:42Z 293K followers, 51.2K engagements
"Live Q&A w/ Co-Host Karsten Jeske (aka Big ERN) Tonight I'm joined by none other than Karsten Jeske aka Big ERN of Early Retirement Now. Together we'll answer your questions about investing and retirement. 0:00 - Intro 3:17 - Withdrawal rates in recent years 8:31 - Feelings on asset allocation 13:20 - Tilting a portfolio towards small cap value 21:00 - Securing an investment account 24:03 - Rebalancing an inherited portfolio 28:08 - Cape [--] vs Cape [--] 38:09 - Spending down in a bad year 46:00 - Shifting from domestic to international 47:18 - Safe consumption rate and safe withdrawal rate 52:05"
YouTube Link 2025-02-19T15:23Z 293K followers, 32.4K engagements
"Some New Finance Apps I'm Testing Live Q&A Join the Newsletter. It's Free: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Financial tools I use: I track all of my investments performance fees and asset allocation with Empower. It's Free: https://go.robberger.com/empower/yt- I use Monarch Money to manage our budget: https://go.robberger.com/monarch-yt/yt-desc My retirement plan comes from Boldin the most robust retirement planner available at a reasonable cost: https://go.robberger.com/boldin/yt- *I used Capitalize"
YouTube Link 2026-01-05T21:37Z 293K followers, 21.5K engagements
"2 Times You Shouldnt Automatically Reinvest Dividends While automatically reinvesting dividends is ideal most of the time there are two reasons you should NOT automatically reinvest dividends. Join the newsletter: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Investing Tools My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B Personal Capital (Investment Tracking Retirement Planning): https://robberger.com/go/personal-capital/yt- New Retirement (Retirement Planner): https://robberger.com/go/new-retirement/yt- Stock"
YouTube Link 2022-11-28T19:17Z 293K followers, 43.7K engagements
"Ben Felix And The 2.7% Safe Withdrawal Rate A recent study claimed that the 4% rule was based on biased data. Specifically it was flawed because it relied on U.S. returns data and inflation and assumed a 30-year retirement. Based on life expectancy data from the Social Security Administration and returns and inflation data dating back to [----] from [--] developed countries the study concluded that a "safe" withdrawal rate assuming a 1% chance of failure was just 0.80%. Recently Ben Felix produced a video on this study that many have asked me about. In this video I cover what I think are some"
YouTube Link 2023-01-11T19:40Z 293K followers, 67.8K engagements
"Morningstar User Guide--Overview Video #1 This is the first video in a series on Morningstar. Collectively these videos comprise a Morningstar User Guide that will help you get the most out of this excellent investing tool. Morningstar Premium: https://robberger.com/go/morningstar/yt-morningstar-1 Morningstar Article: https://robberger.com/morningstar-user-guide/utm_source=youtube&utm_medium=video&utm_campaign=yt-17 Personal Capital: https://go.robberger.com/empower/yt- Timestamps: 0:00 History of Morningstar 2:26 Problems with Morningstar 6:03 Overview of this Morningstar User Guide 9:01"
YouTube Link 2020-05-08T20:13Z 293K followers, 66.1K engagements
"Maximizing FDIC Insurance: How to Ensure Your Bank Accounts are Fully Protected (Free Calculator) 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_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Video Resources FDIC FAQ:"
YouTube Link 2023-03-15T18:38Z 293K followers, 40.2K engagements
"High-Yield Savings vs. Bonds Which Is Better High-yield savings rates may look great right now but they can change tomorrow. Bonds lock in your yield savings accounts dont. Heres how I think about balancing both. #RetirementPlanning #FinancialPlanning #Retirement #bonds"
YouTube Link 2025-11-03T19:30Z 293K followers, 20.9K engagements
"Total Return vs Dividend Investing--And the Winner is. . . Live Q&A We'll start the live stream discussing the difference between total return investing and dividend or income investing. Then I'll answer your questions about retirement and investing. Join the newsletter: https://robberger.com/newsletter/utm. Resources & Timestamps 0:00 - Welcome to the Financial Freedom Show 0:21 - Give a thumbs up 1:01 - My [--] cents on total returns/dividend investing 7:22- Moving VDADX into VTSAX 11:28 - Getting out of bonds 12:32 - Buying more BND while it's down 15:18 - What am I going to invest in 22:13 -"
YouTube Link 2022-04-12T01:04Z 293K followers, 17.8K engagements
"Advanced Retirement Planning Tips With Boldin Live Q&A Join the Newsletter. It's Free: https://robberger.com/newsletter/utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube Financial tools I use: I track all of my investments performance fees and asset allocation with Empower. It's Free: https://go.robberger.com/empower/yt- I use Monarch Money to manage our budget: https://go.robberger.com/monarch-yt/yt-desc My retirement plan comes from Boldin the most robust retirement planner available at a reasonable cost: https://go.robberger.com/boldin/yt- *I used"
YouTube Link 2025-10-06T18:14Z 293K followers, 35.1K engagements
"VTV Explained: A Simple Value ETF VTV tracks a value index not dividend yield. Its cheap diversified and designed for long-term investors focused on value not income. #RetirementPlanning #FinancialPlanning #Retirement"
YouTube Link 2026-01-21T19:31Z 293K followers, [----] engagements
Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing