Good morning:
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​Reminder: The next live show will be Monday, January 19th at 7 pm ET. You can subscribe to the YouTube channel where the show is broadcast here.

3 Things

1. It Happened Again (A Wealth of Common Sense)

2. Planning Around the ACA Subsidy Cliff (Retirement Researcher)

3. How I Bought a Home Without an Agent After the NAR Settlement (The Finance Buff)

My Videos & Articles

• ​Does the Mag-7 Make a 3-fund Portfolio Too Risky? (FQF)
• ​Some New Finance Apps I'm Testing | Live Q&A

ICYMI

• Opinions on Venezuela are Like Uvulas: Krugman and Mamdani Both (Probably) Have One (Harvey Sawikin)
• The Broken Yardstick: Why Your “Historic” P/E Chart is Lying to You (Fundamentally Sound)
• A Few Things I’m Pretty Sure About (Morgan Housel)
• My two cents about my inheritance (David Roberts)
• The best books on Gravity (Five Books), including one of my favorites, Astrophysics for People in a Hurry by Neil deGrasse Tyson.
• Hands off! An on-the-road demo of Mercedes’ advanced new driver assist (ars Technica)
• Jellyfish Snooze Like We Do, And It Could Explain The Origins of Sleep (Science Alert)
• The Big Regression (Jason Fried)
• Why cancer can come back years later — and how to stop it (Nature)
• THE PERSONAL PANOPTICON (Molly Cantillon via X)
• OpenAI launches ChatGPT Health with medical records (OpenAI)
• Saved by Wonder: The Ziegler Polar Expedition and the Aurora Borealis (Marginalian)

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

• I finished watching Last Frontier (Apple TV) and enjoyed it for the most part (B).
• I'm watching Pluribus (Apple TV) and so far love it.
• I read What the Happiest Retirees Know: 10 Habits for a Healthy, Secure, and Joyful Life by Wes Moss. The books is based on surveys he took of retirees. It's an easy read and offers some interesting perspectives (B-)

Tools I'm Using From Partners

• Monarch Money: Get 50% off the First Year Discount Code: ROB50​
• ProjectionLab: 10% Discount Code RBERGER-10, I also use Boldin.
• ​Kubera: My choice to track investments and net worth. They offer a 14-day free trial. An excellent free alternative is Empower.
• 1Password: An excellent password manager currently offering 25% off on annual plans.

Resources From Partners

• ​Raisin Bonus: Get up to $2,000 in bonuses, new customers only.
• Quicken Simplifi: Get Simplifi 50% off the first year ($2.99 a month)
• 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.