Good morning:
​
​Ask: Please forward this newsletter to at least one person who needs it.
​
​Offer: If you received this newsletter from another, you can subscribe here.
​
​Reminder: The next live show will be Monday, July 20th at 7 pm ET. You can subscribe to the YouTube channel where the show is broadcast here. I also want to do a retirement planning live show, but this upcoming week won't work. I'll let you know.

​Your Book Recommendations! I've added a Children's Book section, so if you know of great children's books, let me know. I've also started to indicate which books I've read (*) and which books I've read & recommend (**).

3 Things

1. What Happens if My Password Manager Gets Hacked? (Oblivious Investor)
2. When and How Asset Location Matters (Vanguard)
3. Retirees Don't Need to Fear a Lost Decade. They Need a Plan (Morningstar)

My Videos & Articles

• Why "I'll Just Hold It to Maturity" Doesn't Protect You Like You Think (YouTube)

ICYMI

• Is $5M in Treasury Bills Enough to Be Set for Life? (Of Dollars and Data)
• TIPS vs. I Bonds: Right now, it's 'advantage TIPS' (TIPS Watch)
• Here's My Investment Philosophy. What's Yours? (Morningstar)
• O'Reilly Automotive: The Last Mile Moat (Fiscal.ai)
• Reverse Engineering the Met's Bobby Bonilla Deal (The Big Picture)
• Happy Birthday, America! (and the importance of commas) (Experimental Living)
• Left unsaid (Seth's Blog)
• We Need A Way To Prove Personhood Online (Noema)
• The Universal Language: Inventing the Barcode (Quartr)
• How Google and AI Nearly Made a Seasoned Reporter Spiral (ProPublica)
• On the origin of continents (Works in Progress)
• The Biggest Inflation Mistake Retirees Make (Retirement Researcher)
• What a Forgotten 100-Year-Old Government Report Says About Who We Are (Derek Thompson)
• The Science, Techniques, and Recipes to Elevate Your Grilling (Art of Manliness)
• How Britain Became as Poor as Mississippi (Marginal Revolution)

What I'm Reading, Listening To, Watching, and Thinking About

• I finished Theo of Golden and it's excellent. I highly recommend the book.
• On a family member's recommendation, I started reading the Dungeon Crawler Carl series by Matt Dinniman. It's . . . different, but oddly entertaining.

Tools I'm Using From Partners

• Monarch Money: Get 50% off the First Year of Monarch Money Core Plan--Discount Code: ROB50​
• ​Boldin: I use this tool for our retirement planning. ProjectionLab is also a great financial planning tool and is offering a 10% Discount Code RBERGER-10.
• ​Kubera: My choice to track investments and net worth. They offer a 14-day free trial. An excellent free alternative is Empower.

Resources From Partners

• Get free Medicare guidance from Chapter (410) 220-5494
• For a limited time, try the AI-powered budgeting app Origin for just $1 the first year.
• You can see a list of all of my Youtube videos here.
• You can see a list of the budgeting, investing and retirement planning tools I use here.
• You can view past issues of the newsletter here.
• ​DIYRetirement Subreddit​

​
Best,
​
Rob Berger
​
P.S. Feel free to hit reply and send me a message. I read every email.