The Rob Berger Show

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RBS 162: In What Order Should You Spend Down Your Retirement Accounts? Oct 04, 2024

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In this video, we'll discuss how to optimize the tax efficiency of your retirement withdrawals. New Retirement: https://go.robberger.com/new-retireme...
Many retirees have up to three account types: taxable, tax-deferred (e.g., traditional IRA), and tax-free (Roth IRA or HSA). The conventional wisdom tells us to spend the taxable accounts first, then the tax-deferred, and finally the tax-free. It turns out that this approach is rarely optimal.
By making a few adjustments to the conventional approach, particularly in early retirement, we can increase our after-tax spending and the longevity of our portfolio.
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RBS 161: Can the Bucket Strategy Eliminate Sequence of Returns Risk? Oct 02, 2024

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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.
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RBS 160: Dividends vs Interest: 8 Crucial Differences Every Investor Must Know Sep 30, 2024

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Today we look at the 8 crucial differences between interest and dividends. We'll also look at how one should think about interest and dividends when using the 4% Rule of retirement spending.
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RBS 159: Retirement Planning and Taxes with Andy Panko | Live Q&A Sep 27, 2024

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Andy Panko, CFP, joins us to help answer your questions about retirement planning and taxes.
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Join Andy's Facebook Group:
https://www.facebook.com/groups/retirementplanningeducation
Check Out Andy's Website:
https://retirementplanningeducation.com/
Listen to Andy's Podcast Retirement Planning Education Below:
https://retirementplanningeducation.com/podcast

RBS 158: New Bitcoin ETFs: Should Bogleheads Take The Plunge? Sep 27, 2024

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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.
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RBS 157: How to Avoid Roth IRA Taxes and Penalties Sep 25, 2024

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Roth IRAs are best known for tax-free spending in retirement. What many don't know, however, is that if you make a mistake with a Roth IRA, you could end up owing taxes or a 10% penalty on some of your withdrawals.
In this video, we'll walk through how to avoid these Roth IRA tax traps. We'll cover the two 5-year rules of Roth IRAs, the ordering rules of withdrawals, the aggregation rule, and even the backdoor Roth IRA.
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RBS 156: Has the Chase Glitch Infected Fidelity? (My CMA Restricted) Sep 24, 2024

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Several weeks ago some reported what has been called the Chase Glitch. The glitch allowed people to deposit bogus checks at Chase ATM's and then immediately withdraw the funds.
That glitch has now moved to Fidelity, where some have tried depositing bogus checks via Fidelity's mobile app, and then immediately taking out the money. In response, Fidelity has limited check deposits via its mobile app, extended hold periods on deposited funds, and even locked some customers out of their accounts.
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RBS 155: 5 Apps to Track Your Investments (3 are Free) Sep 23, 2024

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Today, we look at five apps you can use to track your investments. Three of them are free, and two are paid. All of them are excellent tools depending on the features you want.
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RBS 154: Where to Keep Cash After the Fed Lowers Rates by 50 Basis Points Sep 20, 2024

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Yesterday the Fed lowered the Fed Funds rate by 1/2 of a percent. The prime rate followed, going from 8.5% to 8.0%. Rates on everything from credit cards to savings accounts to CDs also went down. And the rates on bonds and mortgages continued to decline.
Given all of this, where are the best places to keep your cash?
The Fed's Statement: https://www.federalreserve.gov/newsev...
30-year U.S. Bond Yields: https://fred.stlouisfed.org/series/MO...
T-Bill Yields: https://home.treasury.gov/resource-ce...
Savings Accounts: https://www.allcards.com/savings-acco...
No-Penalty CD Rates: https://www.allcards.com/no-penalty-c...
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RBS 153: How to Manage Inflation During Retirement Sep 20, 2024

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While stock market returns get most of the attention when it comes to retirement portfolios, we should be equally concerned with inflation. In this video, I walk through how to incorporate inflation assumptions into a retirement plan using New Retirement planning software.
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