Good morning:
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​Reminder: The next live show will be Monday, April 20th at 7 pm ET. You can subscribe to the YouTube channel where the show is broadcast here.

Special Live Show: On Tuesday, April 14th at 10 am ET, we'll have a live retirement planning session. Bring your questions about using retirement planning tools, budgeting tools and anything else you want to talk about. Should be fun.

3 Things

1. Stop Trying to Remember Your Passwords (And Use a Password Manager Instead.) (Oblivious Investor)

2. Creating A Flexible Retirement Date 'Window' To Mitigate Sequence And Cohort Risk (Kitces)

3. The SpaceX IPO: How Index Funds Will Adapt (Morningstar)

My Videos & Articles

• ​Sequence Risk Isn't Just in Retirement | Live Q&A​

ICYMI

• 10 Charts to Address Concerns on 2026 Geopolitical Conflict (Kitces)
• How Deals Hurt Returns (HumbleDollar)
• The Super Rich (A Wealth of Common Sense)
• The $1B Rorschach Test (Investing 101)
• The Upper Middle Class Trap (Of Dollars and Data)
• The Marginal Revolution Generative Book (Tyler Cowen)
• Friction is a Feature (Educated Guess)
• You Can't Suck at Passwords (The Joint Account)
• Your Taxes Were Designed to Suck, Actually (Your Brain on Money)
• What Are the Odds of Apple Surviving? (Asymco)
• What 1,000-Year-Old Companies Know About Resilience (Big Think)
• This Is Something You Should Always Carry With You (Ryan Holiday)
• Breakeven Real Rates for Delayed Social Security Claiming (Advisor Perspectives)
• Groundbreakers 2: Seeking the Heart of Fear (Forte Labs)
• The Illusion of Clarity: How to Test Whether You Really Understand Something (Ness Labs)

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

• ​Peak: Secrets from the New Science of Expertise by Anders Ericsson and Robert Poole. It's a good book on the concept of deliberate practice, which I'm trying to implement in most areas of my life.
• Going over my YouTube history, I see that I watched the following videos this past week, which I found particularly interesting. As you'll note, they're on a variety of topics:
  • ​Building AI agents that actually work (full course)​
  • ​Peyton Manning takes on John McEnroe in tennis​
  • ​The 4% Rule Is Just a Worst-Case Scenario - Here's a Smarter Way to Withdraw in Retirement​

Tools I'm Using From Partners

• Monarch Money: Get 50% off the First Year 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​

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