The Rob Berger Show

Latest Episodes:

RBS 152: How to Customize the Order of Account Withdrawals in New Retirement (Boldin) Sep 18, 2024

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New Retirement (Boldin): https://robberger.com/new-retirement
New Retirement, which just changed its name to Boldin, has launched a new feature that makes it easy to customize the order of accounts you use to fund your retirement. In this video, we'll look at the new feature and some advanced strategies on how to use it.
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RBS 151: 3 Key Social Security Claiming Strategies Sep 02, 2024

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When to claim Social Security benefits is one of the most critical questions we'll answer in retirement. In this video, we'll look at the 3 most common strategies and a framework for making a decision. We'll cover strategies if you never been married, married, divorced or widowed.
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RBS 150: Some Calming Thoughts on Today's Stock Market Decline Aug 19, 2024

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The stock market has declined so far today, with the S&P 500 down more than 3% as I type these words.
So I thought I'd share my perspective about what's going on.
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RBS 149: 12 Things You Must Know About A Backdoor Roth IRA (Including If It's Worth The Hassle) Jul 31, 2024

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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.
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RBS 148: 8 Ways Retirees Can the Fear of Investing in Stocks Jul 29, 2024

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It can be scary for retirees to invest in the stock market. At the same time, investing in just fixed income can expose us to the risk of running out of money. So in this episode I walk through 8 things to consider if you are nervous about investing in stocks.
New Retirement: https://go.robberger.com/new-retireme...
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RBS 147: How to Retire Before Taking Social Security | Bridge the Social Security Gap Jul 26, 2024

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In this episode, we'll examine how to retire before taking Social Security. This is an ideal strategy for many to maximize Social Security retirement benefits.
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RBS 146: Why Dave Ramsey's 8% Retirement Withdrawal Is So Dangerous (Hint: Sequence of Returns Risk) Jul 24, 2024

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This is a follow-up to my episode on Dave Ramsey's belief that retirees can start with an 8% withdrawal rate, adjust the amount each year by inflation, and be perfectly fine in retirement. The problem that Dave seems to have overlooked is what is known as sequence of returns risk.
In his analysis, he uses average market returns and average inflation. But nearly 30 years ago Bill Bengen debunked this approach in a 1994 paper. The problem is that two retirees can enjoy the same average returns and inflation yet have two very different results. How?
Sequence of returns. If one retiree enjoys strong markets and low inflation in the first decade of retirement, their financial results may indeed support a higher initial withdrawal rate. In contrast, if the second retiree suffers through bad markets and high inflation during the first decade, they could run out of money using an 8% withdrawal rate in as little as 10 years.
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RBS 145: 3 Simple Ways to Invest All of Your Money After You Retire Jul 22, 2024

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Target date retirement funds are a simple solution to save for retirement. But what about once you retire? Are there single-fund solutions you can use for all of your investments once you retire?
This episode will look at several options for one-fund investments in retirement. Keep in mind that these funds are best suited for tax-advantaged accounts like traditional and Roth IRAs.
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RBS 144: Remembering Charlie Munger (1924-2023) Jul 19, 2024

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With the passing of Charlie Munger at the age of 99, I thought it appropriate to share 5 things I've learned from him over the years.
Poor Charlie's Almanack: https://amzn.to/4a1JF63
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RBS 143: How to Create Walk-Through Videos of Your Finances For Your Spouse Jul 17, 2024

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In many couples, one person handles the money and the other thinks as little as possible about it. That's certainly true with my wife.
To help her, should I pass away, I created what I call the Blue Binder. To supplement the binder, I've started creating videos where I share my computer screen and walk through our finances.
This allows me to show her our brokerage and bank accounts online. I can walk through all of our finances and explain how it all works and why I've made the choices that I've made.
In this episode, I'll explain how you can create these videos and give you some ideas of the topics you should cover.
Tools Mentioned in this Video
Empower: https://go.robberger.com/empower/yt-b...
Tiller: https://go.robberger.com/tiller/yt-bl...
Loom: https://www.loom.com/
Snagit: https://www.techsmith.com/screen-capt...
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