Good morning:
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​UPDATE: I've decided to take a short break from the Live Q&A and FQF videos. I'll still be publishing other videos and even doing some live shows that focus on specific topics. To that end, this Tuesday, August 25th at 10:00 am ET I'll be hosting a live show to walk through building a complete retirement plan in ProjectionLab. I hope you can join the show. If you can't, it will be available on YouTube after the livestream.

You can subscribe to the YouTube channel where the show is broadcast here.

​Your Book Recommendations​

3 Things

1. 30-year TIPS reopening gets real yield of 2.973%, highest in nearly 25 years (TIPS Watch)
2. How the 4% Retirement Rule Stacks Up Against Morningstar’s Withdrawal Guidance (Morningstar)
3. How Roth Conversions Interact With IRMAA (Retirement News Rundown)

ICYMI

• Roth Conversions and Taxes (HumbleDollar)
• How to Bear Your Loneliness (The Marginalian)
• Will You Be Here Forever? (Steven Mintz)
• The New QCD Reporting Rule Raises a Big Question for IRA Owners (Morningstar)
• Consider the AI tear down (Seth's Blog)
• Keeping Your Bitcoin Riches Safe Has Never Been Harder (Advisor Perspectives)
• TreasuryDirect is launching a controversial login system (TIPS Watch)
• Long TIPS Yield 3%. Time to Buy? (Advisor Perspectives)
• Buffer ETFs Have Paid Off, but Investors Should Know Their Limits (Morningstar)
• America's New Debt Reality (Schwab)

My Videos & Articles

• No videos this past week. More coming this week!

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

• My wife and I watched the first Enola Holmes movie (Netflix) starring Millie Bobby Brown (of Stranger Things fame). Excellent.
• I'm caught up on the current season of Silo on Apple TV. I thought the season was a bit slow at first, but it's firing on all cylinders now.

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​

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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.