The Rob Berger Show

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**The Rob Berger Show**

Personal finance for smart people by the host of the Dough Roller Money Podcast. Rather than forcing you into a one-size-fits-all financial plan, we discuss the tools, resources, and strategies that will empower you to make the best money decisions for you and your family.

Latest Episodes:

RBS 081: Where Do Dividends Come From? | Live Q&A Nov 28, 2022

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RBS 080: 0% Long Term Capital Gains Tax--Is it Legit? Oct 03, 2022

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How long term capital gains are taxed is a source of confusion for many. Some of the questions I've heard--
Can long-term capital gains put me in a higher tax bracket for ordinary income?
Does my ordinary income affect my capital gains tax?
Is there really a 0% tax bracket for long term capital gains and how does it work.
To be clear, I am not a tax professional. I have spent a lot of time study this issue, particularly as I enter retirement with much lower ordinary income.
In this video we'll look at the mechanics of long term capital gains tax, including how to works with ordinary income and deductions. We'll also cover something called the bump zones, where ordinary income can push us into higher long term capital gains tax rates.
We'll cover three tax planning strategies in retirement and how long term capital gains tax can help us pay less in taxes.

RBS 079: 3 Best Portfolio Trackers to Monitor Your Stocks, ETFs, Mutual Funds and Crypto Sep 30, 2022

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Here are 3 of my favorite portfolio trackers, starting with Personal Capital--https://robberger.com/go/personal-cap...
A portfolio tracker helps to manage multiple investment accounts, including retirement and taxable accounts, as well as HSAs. The best portfolio trackers are free or low cost, offer an easy user interface, and provide useful information about your portfolio.
My favorite is Personal Capital. It's free, offers excellent tools to evaluate asset allocation, investment fees and retirement readiness. And its combination of charts and tables make understanding the data very easy. It tracks my dividends and interest. And while I don't own crypto, Personal Capital can track the value of digital tokens for those who own Bitcoin, Ether, and other coins.
There are other options, of course. In this video I cover 3 of the better investment trackers. In the article linked to below, I go over 8 options.

RBS 078: 3 Best Target Date Retirement Funds Sep 28, 2022

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Target date retirement funds make investing easy. With just one fund you get immediate diversification across U.S. stocks, international stocks and bonds. The best target date funds have low expense ratios and a sound asset allocation strategy.
In this vide we'll look at 3 of the best target date retirement funds. We'll also look at one to avoid and why. Finally, we'll take a look at what's called the glidepath and why target date retirement funds are often not ideal once you reach retirement.
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RBS 077: 3 Ways Retirees Can Avoid the 10% Penalty on Early Retirement Distributions Sep 26, 2022

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In most cases, distributions from a 401k, IRA or other retirement account before the account owner reaches the age of 59.5 are subject to a 10% penalty. There are, however, a number of exceptions. Some of the exceptions are unique to IRAs, while others are unique to 401k and other Workplace Retirement Plans.
Generally, I classify these exceptions into one of three types: hardship exceptions, invest in your future exceptions, and early retirement exceptions. Our focus in this video are 3 early retirement exceptions that can help you avoid the 10% penalty if you retire before turning 59.5 years of age.

RBS 076: 3 Ways to Simplify Your Investment Portfolio | KISS--Keep It Simple Stupid Sep 23, 2022

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Some financial advisors put clients in 10, 20 or even more ETFs and mutual funds. Some think they do this to make investing look complex and to justify their unreasonable fees. Regardless of the reason, it makes understanding the portfolio more difficult, and for no good reason.
In this video I walk through my 3-step process for simplifying any investment portfolio. We look at a viewer's 11-fund portfolio and how to simplify it down to 5 funds.
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RBS 075: 5 Best Retirement Calculators and Planners (#1 is Free) Sep 21, 2022

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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 in outcomes. As a result, it recommended that individuals use “multiple programs before implementing an action plan based on the results.”
To that end, here is a list of the best retirement calculators, planners and software tools.

RBS 074: 5 Things I Learned from Warren Buffet's Letter to Berkshire Hathaway Shareholders Sep 19, 2022

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RBS 073: 7 Simple Calculations that Show the Awesome Power of Compound Interest Sep 16, 2022

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Compound interest has been called the 8th wonder of the world. Understanding how it works and harnessing its power is key to building wealth. In this video will walk through 7 simple calculations that show the true power of compounding. I'll also show how to get a simple, free compound interest calculator.
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RBS 072: 10 IRA Contribution Rules You Must Know Sep 14, 2022

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The rules of IRA contributions can be confusing. Get them wrong and you could make a costly mistake or lose out on a chance to save more for retirement. In this video we'll cover these 10 IRA contribution rules:
1. Contributions limits
2. Catch-up contribution limits
3. Income limitations on IRA contributions
4. Limits on deducting IRA contributions
5. Roth IRA contribution income limits
6. Age limits on IRA or Roth IRA contributions
7. Spousal IRA
8. Contributing to both a 401(k) AND an IRA
9. What if you contribute too much?
10. 2021 contribution deadline
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