The Rob Berger Show

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RBS 111: Catching Up On Retirement Savings Jun 12, 2023

Show notes

Saving for retirement can be a struggle in the best of circumstances. For those 50 or older who have saved little if anything, retirement can seem impossible. In this video I walk through seven concepts, strategies and tools to help those who have gotten a late start save for a comfortable retirement at a reasonable age.
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RBS 109: How to Manage Uncertainty in Retirement | Live Q&A Jun 07, 2023

Show notes

We'll start tonight with a discussion of how to manage uncertainty when it comes to retirement planning. Then I'll answer your questions.
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RBS 110: What Happens to Our Investments if Schwab, Fidelity or Vanguard Collapse? Jun 02, 2023

Show notes

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.
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RBS 106: Are Bank Accounts Safer Than T-Bills? | Live Q&A May 31, 2023

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We'll start by discussing the relative safety of FDIC-insured bank accounts versus T-bills in light of the debt ceiling. Then I'll take your questions.
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RBS 108: Big Banks May 29, 2023

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The banking crisis continues, with PacWest and other regional banks struggling in the stock market and to raise capital. The news prompted my mom to text me asking if she should be worried. In this video I answer her questions, covering the following topics.
1. How this banking crisis is different than 2008
2. Whether we should abandon small and regional banks and put all of our money in big banks
3. How to protect your cash wherever you bank
4. And a possible investment opportunity for those who believe in the future of regional banks.
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RBS 104: 5 Books I'm Reading About Money & Life | Live Q&A May 24, 2023

Show notes

I'll start by sharing some excellent books I'm reading right now. Then we'll turn to your questions.
The Power Broker: https://amzn.to/3IF9woO
Convict Conditioning: https://amzn.to/3XTEeiA
Psychology of Money: https://amzn.to/3kgBjTd
The Perfectionist's Guide to Losing Control: https://amzn.to/3Kvvko2
Salt, Fat, Acid, Heat: Mastering the Elements of Good Cooking: https://amzn.to/3kgoCYE
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RBS 107: Bank Safety May 22, 2023

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You've found a bank with a great savings or CD rate, but it's in another state and you've never heard of it. Or perhaps you just want to know how safe your existing bank is.
In this video we'll cover four free tools you can use to confirm that a bank or credit union is federally insured (FDIC or NCUA) and whether it's financially stable.
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RBS 105: AVGE Pros and Cons May 19, 2023

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Avantis launched this year a global stock ETF called the Avantis All Equity Markets ETF. In one ETF it can cover the entire stock portion of a portfolio. In this video I'll discuss the pros and cons of this fund from my perspective.
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RBS 103: 0 Percent Credit Cards May 17, 2023

Show notes

A list of the best 0% APR and balance transfer credit cards: https://www.allcards.com/interest-fre...
In this video we'll walk through the strategy my wife and I used to get out of credit card debt many years ago. We used 0% balance transfer cards, which eliminated our interest payments and helped us get out of debt faster and for less money.
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RBS 102: Maxifi Retirement Planner Review Mar 31, 2023

Show notes

Maxifi is retirement planning software designed by Boston University professor Larry Kotlikoff. I've spent several days trying out the software, and this video is my review of the tool.
There are several things I like about the tool. Data entry is easy. It doesn't require input of detailed investments or even a budget. Beyond housing, it asks for no spending details. Instead, it provides you with how much the tool calculates you can spend each year in retirement.
Its social security tool is also robust. For example, you can upload your earnings history from SSA, which the tool uses to calculate your best claiming strategy.
That said, Maxifi is not a tool I can recommend or plan to use. Its spending calculations do not account for the sequence of returns risk. It uses very conservative default settings, without explaining the consequences of these assumptions. And I found the tool overall not very transparent when it comes to understanding how the calculations were performed or how the various assumptions affect the results.
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