The Rob Berger Show

Latest Episodes:

RBS 011: How to Invest During COVID-19 May 10, 2020

Show notes

How to invest and manage your money during COVID-19. In this video we cover the following:
--Emergency fund
--The Money Audit
--Is now a "buying opportunity" in stocks?
--The importance of diversification
--Bond allocation (TIPS and Treasury bonds)
--Charitable giving
TOOLS & BOOKS I LOVE
My Book (of course): https://amzn.to/3by10EE
Personal Capital: http://go.robberger.com/PersonalCapital
Morningstar: http://go.robberger.com/Morningstar
Chase Sapphire Reserve: http://go.robberger.com/Sapphire_Reserve
ABOUT ME
While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.
I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)
LET'S CONNECT
Youtube: https://www.youtube.com/channel/UC9C17-OMxa-7oRSaCtztObw?sub_confirmation=1
Facebook: https://www.facebook.com/financialfreedomguy/
Twitter: https://twitter.com/Robert_A_Berger
DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.
AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.;

RBS 012: Should You Invest or Pay Off Debt? Yes! May 10, 2020

Show notes

Should you pay off all your non-mortgage debt before you begin investing? It's an approach popularized by Dave Ramsey. It's also one of the worst financial decisions you can make. In this video that's part of the Invest with Confidence series, you'll learn why.
Credit Card Payoff calculator: https://www.allcards.com/credit-card-payoff-calculator/
TOOLS & BOOKS I LOVE
My Book (of course): https://amzn.to/3by10EE
Personal Capital: http://go.robberger.com/PersonalCapital
Morningstar: http://go.robberger.com/Morningstar
Chase Sapphire Reserve: http://go.robberger.com/Sapphire_Reserve
ABOUT ME
While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.
I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)
LET'S CONNECT
Youtube: https://www.youtube.com/channel/UC9C17-OMxa-7oRSaCtztObw?sub_confirmation=1
Facebook: https://www.facebook.com/financialfreedomguy/
Twitter: https://twitter.com/Robert_A_Berger
DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.
AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.

RBS 010: How to Invest with Confidence May 10, 2020

Show notes

The first in a series of videos walking you through how to invest with confidence. We'll cover everything from when you should start investing to how much you should invest. The series will cover how to juggle multiple financial goals, such as getting out of debt, saving for an emergency, and buying a home. Then we'll cover how much you should invest to meet your goals.
The series will also cover everything you need to know about retirement accounts. we'll also cover how to design an asset allocation plan and how to evaluate mutual funds.
TOOLS & BOOKS I LOVE
My Book (of course): https://amzn.to/3by10EE
Personal Capital: http://go.robberger.com/PersonalCapital
Morningstar: http://go.robberger.com/Morningstar
Chase Sapphire Reserve: http://go.robberger.com/Sapphire_Reserve
ABOUT ME
While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.
I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)
LET'S CONNECT
Youtube: https://www.youtube.com/channel/UC9C17-OMxa-7oRSaCtztObw?sub_confirmation=1
Facebook: https://www.facebook.com/financialfreedomguy/
Twitter: https://twitter.com/Robert_A_Berger
DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.
AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.

RBS 009: Bear Market: How to Survive and Profit from a Falling Stock Market May 06, 2020

Show notes

History tells us how and why bear markets are an investor’s best friend. In this video, we walk through the numbers of the 2008 bear market to see what investors should do during a market decline.
TOOLS & BOOKS I LOVE
My Book (of course): https://amzn.to/3by10EE
Personal Capital: http://go.robberger.com/PersonalCapital
Morningstar: http://go.robberger.com/Morningstar
Chase Sapphire Reserve: http://go.robberger.com/Sapphire_Reserve
ABOUT ME
While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.
I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)
LET'S CONNECT
Youtube: https://www.youtube.com/channel/UC9C17-OMxa-7oRSaCtztObw?sub_confirmation=1
Facebook: https://www.facebook.com/financialfreedomguy/
Twitter: https://twitter.com/Robert_A_Berger
DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.
AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.

RBS 008: Credit Card Millionaire May 01, 2020

Show notes

In this podcast, you'll learn how to maximize credit card rewards and invest them to build wealth. We look at a free credit card rewards calculator and discuss the best credit cards to get the most out of your rewards.
RESOURCES MENTIONED IN THIS VIDEO
Credit Card Rewards Calculator:
Alliant Credit Union Visa Signature Card
https://www.alliantcreditunion.org/bank/visa-signature-card
2.5% Cash Back
$10,000 Monthly Spending Cap (1% thereafter)
$99 Annual Fee (waived the first year)
Apple Card
https://www.apple.com/apple-card/
3% Cash Back at Apple
2% Cash Back w/ Apple Pay
1% Cash Back on all other purchases
No annual fee
Chase Sapphire Reserve Card: http://go.robberger.com/Sapphire_Reserve
3x Points on Travel and Restaurants
1x Points on all other purchases
$300 annual travel credit
50% point bonus when redeemed for travel through Chase
$550 annual fee
Chase Sapphire Preferred Card: http://go.robberger.com/ChaseSapphirePreferred
2x Points on Travel and Restaurants
1x Points on all other purchases
25% point bonus when redeemed for travel through Chase
$95 annual fee
Terms & Conditions of credit cards change frequently, so the above information may have changed. Confirm terms with the credit card issuer before applying.
TOOLS & BOOKS I LOVE
My Book (of course): https://amzn.to/3by10EE
Personal Capital: http://go.robberger.com/PersonalCapital
Morningstar: http://go.robberger.com/Morningstar
Chase Sapphire Reserve: http://go.robberger.com/Sapphire_Reserve
ABOUT ME
While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.
I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)
LET'S CONNECT
Youtube: https://www.youtube.com/channel/UC9C1...
Facebook: https://www.facebook.com/financialfre...
Twitter: https://twitter.com/Robert_A_Berger
DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.
AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.

RBS 007: COVID-10 Mortgage Relief Under the CARES Act May 01, 2020

Show notes

Under the newly enacted CARES Act, you can legally stop making your mortgage payment for up to one full year. Here's what you need to know.
RESOURCES MENTIONED IN PODCAST
* Freddie Mac: https://myhome.freddiemac.com/own/getting-help-disaster.html
* Fannie Mae: https://www.knowyouroptions.com/covid19assistance
* Freddie Mortgage Lookup: https://ww3.freddiemac.com/loanlookup/
* Fannie Mortgage Lookup: https://www.knowyouroptions.com/loanlookup
TOOLS & BOOKS I LOVE
My Book (of course): https://amzn.to/3by10EE
Personal Capital: http://go.robberger.com/PersonalCapital
Morningstar: http://go.robberger.com/Morningstar
Chase Sapphire Reserve: http://go.robberger.com/Sapphire_Reserve
VIDEO NOTES
Sec. 4022 of the CARES Act (Coronavirus Aid, Relief and Economic Security Act)
1. Applies to mortgages back by the federal government, such as
* FHA Loans
* VA Loans
* Freddie Mac
* Fannie Mae
2. Homeowners Relief--You Can Pause Payments
* 180 days
* 180-day extension
* Important-Request for extension should be made during the initial 180-day forbearance
* You can shorten either the initial request or extension
3. Interest and Fees
* No fees, penalties or interest beyond the amounts scheduled or calculated as if you had made all your payments shall accrue
4. No hit to your credit score
5. Types of Properties
* Owner occupied
* A second home
* Investment property
6. How to Request Forbearance
* Contact your mortgage servicer
* Affirm that you are experiencing a financial hardship due, directly or indirectly, to COVID-19
* NO ADDITIONAL DOCUMENTATION REQUIRED
* You don't have to affirm that you are unable to pay your mortgage
7. Foreclosure Moratorium-For a 60-day period beginning on March 18, 2020
8. Loan Modifications-To provide mortgage payment relief or keep payments the same after the forbearance period
ABOUT ME
While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.
I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)
LET'S CONNECT
Youtube: https://www.youtube.com/channel/UC9C1...
Facebook: https://www.facebook.com/financialfre...
Twitter: https://twitter.com/Robert_A_Berger
DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.
AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.

RBS 006: Free Savings Calculator May 01, 2020

Show notes

We build a free savings calculator in Google Sheets. It's easy to use, can be built in Excel if you prefer, and it will help you see the power of compounding. Enjoy!
Savings Calculator: https://bit.ly/2JCfdod
TOOLS & BOOKS I LOVE
My Book (of course): https://amzn.to/3by10EE
Personal Capital: http://go.robberger.com/PersonalCapital
Morningstar: http://go.robberger.com/Morningstar
Chase Sapphire Reserve: http://go.robberger.com/Sapphire_Reserve
ABOUT ME
While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.
I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)
LET'S CONNECT
Youtube: https://www.youtube.com/channel/UC9C1...
Facebook: https://www.facebook.com/financialfre...
Twitter: https://twitter.com/Robert_A_Berger
DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.
AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.

RBS 005: COVID-19 Student Loan Relief (CARES Act) May 01, 2020

Show notes

The Cares Act offers student loan forbearance on all federal student loans. Here’s what you need to know.
RESOURCES MENTIONED IN THE PODCAST
CARES Act: https://www.congress.gov/bill/116th-congress/house-bill/748/text#toc-H84A93012B87A4D09A1F0A6DE5E61EE31
https://studentaid.gov/announcements-events/coronavirus
https://www.consumerfinance.gov/about-us/blog/what-you-need-to-know-about-student-loans-and-coronavirus-pandemic/
CornerStone: 1-800-663-1662
FedLoan Servicing (PHEAA): 1-800-699-2908
Granite State — GSMR: 1-888-556-0022
Great Lakes Educational Loan Services, Inc.: 1-800-236-4300
HESC/Edfinancial: 1-855-337-6884
MOHELA: 1-888-866-4352
Navient: 1-800-722-1300
Nelnet: 1-888-486-4722
OSLA Servicing: 1-866-264-9762
ECSI: 1-866-313-3793
TOOLS & BOOKS I LOVE
My Book (of course): https://amzn.to/3by10EE
Personal Capital: http://go.robberger.com/PersonalCapital
Morningstar: http://go.robberger.com/Morningstar
Chase Sapphire Reserve: http://go.robberger.com/Sapphire_Reserve
ABOUT ME
While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.
I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)
LET'S CONNECT
Youtube: https://www.youtube.com/channel/UC9C1...
Facebook: https://www.facebook.com/financialfre...
Twitter: https://twitter.com/Robert_A_Berger
DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.
AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.

RBS 004: Coronavirus Financial Support and Aid Resources May 01, 2020

Show notes

Here are the resources mentioned in the podcast:
Sick Leave
https://www.irs.gov/newsroom/treasury-irs-and-labor-announce-plan-to-implement-coronavirus-related-paid-leave-for-workers-and-tax-credits-for-small-and-midsize-businesses-to-swiftly-recover-the-cost-of-providing-coronavirus
Travel Relief
https://www.forbes.com/sites/advisor/2020/03/11/master-list-of-airline-coronavirus-policies/
https://www.forbes.com/sites/forbestravelguide/2020/03/13/master-list-of-hotel-coronavirus-change-and-cancellation-policies/#57a99f44ab16
https://www.forbes.com/sites/advisor/2020/03/17/how-loyalty-programs-are-responding-to-coronavirus-updated-daily/#2023be054128
Mortgage Relief
https://www.forbes.com/sites/advisor/2020/03/20/mortgage-relief-tracker-covid-19-relief-for-homeowners-and-renters/#ba65f1e2f19d
Small Business Relief
https://www.forbes.com/sites/advisor/2020/03/20/list-of-coronavirus-covid-19-small-business-relief-programs/#6f0697bae89d
Tax Relief
https://www.irs.gov/coronavirus
State Taxes: https://www.taxadmin.org/state-tax-agencies
Insurance Relief
https://www.forbes.com/sites/advisor/2020/03/20/coronavirus-sparks-extended-insurance-payment-grace-periods/#3f2776d55f8d
Banking Relief
https://www.forbes.com/sites/advisor/2020/03/16/goldman-sachs-waives-march-apple-card-payments-and-interest-for-those-affected-by-covid-19-coronavirus/
https://www.forbes.com/sites/advisor/2020/03/12/list-of-banks-offering-relief-to-customers-affected-by-coronavirus/#35081d8a3ee3
https://www.forbes.com/sites/advisor/2020/03/19/banking-and-cash-during-covid-19-crisis-some-branches-close-atm-fees-may-be-waived/#6c6523eb1c6d
Student Loan Relief
https://www.forbes.com/sites/advisor/2020/03/20/what-you-need-to-know-before-choosing-student-loan-forbearance-due-to-coronavirus-covid-19/#6226fb1618a2
https://www.forbes.com/sites/advisor/2020/03/17/if-coronavirus-has-cut-your-income-heres-how-to-stop-or-lower-student-loan-payments/#52f6880a5fc1
https://www.forbes.com/sites/advisor/2020/03/16/in-coronavirus-economy-dont-rush-to-refinance-student-loans/#116767d13cbf
https://studentaid.gov/announcements-events/coronavirus
https://www.ed.gov/coronaviru
Broke Millennial’s Coronavirus Spreadsheet
https://docs.google.com/spreadsheets/d/13OdpUwbi_VytzS4trSsGx25FxElrozbegPZK8KnSLpU/edit#gid=1276189137
ABOUT ME
While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.
I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)
LET'S CONNECT
Youtube: https://www.youtube.com/channel/UC9C1...
Facebook: https://www.facebook.com/financialfre...
Twitter: https://twitter.com/Robert_A_Berger
DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.
AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.

RBS 003: A Free Investment Tracking Spreadsheet May 01, 2020

Show notes

A review of an investment tracking spreadsheet you can download for free.
Free Investment Tracking Spreadsheet: https://bit.ly/3dMezSP
Same spreadsheet but with the rebalancing column: https://bit.ly/2vTUp8x
TOOLS & BOOKS I LOVE
My Book (of course): https://amzn.to/3by10EE
Personal Capital: http://go.robberger.com/PersonalCapital
Morningstar: http://go.robberger.com/Morningstar
Chase Sapphire Reserve: http://go.robberger.com/Sapphire_Reserve
ABOUT ME
While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.
I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)
LET'S CONNECT
Youtube: https://www.youtube.com/channel/UC9C1...
Facebook: https://www.facebook.com/financialfre...
Twitter: https://twitter.com/Robert_A_Berger
DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.
AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.

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