Good morning:
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​Reminder: The next live show will be Monday, February 23rd at 7 pm ET. You can subscribe to the YouTube channel where the show is broadcast here.

3 Things

1. How To Refill Your Buckets in Retirement (The Retirement Manifesto)

2. Active Managers Keep Losing as Passive Investing Grows (Larry Swedroe)

3. You Can Invest. But How Much Can You Suffer? (Safal Niveskhak)

My Videos & Articles

• ​The Buy, Borrow, Die Strategy — Can Regular Retirees Actually Use It? (FQF)​

ICYMI

• Something Big Is Happening (Matt Shumer)
• Some Things That Didn’t Happen (A Wealth of Common Sense)
• The Color of Wonder and the Chemical Code of Creation (The Marginalian)
• Brown rice and status (Seth Godin)
• Learning about longevity from long-lived animals (The Works in Progress Newsletter)
• Pros and Cons of Artificial Intelligence (A Wealth of Common Sense)
• How to write a coaching/learning prompt (Seth Godin)
• 5 Books Being Made into Movies in 2026 (including Project Hail Mary by Andy Weir) (Five Books)
• Sail to a Good Life With the Richer Retirement Portfolio (Portfolio Charts)
• Still Working in Retirement? Watch Out for These Social Security and Medicare Tax Traps (Morningstar)
• The Nine Lives of Jason Bateman (The Hollywood Reporter)
• 30-year TIPS auction gets real yield of 2.473%, second highest in 16 years (TIPS Watch)
• Apple should rethink Face ID settings for our current era (Six Colors)
• The Omnipotence Dilemma (Ness Labs)

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

• My wife and I have been watching season 2 of Hijack (Apple TV), starring Idris Elba as Sam Nelson. Season 1 was ok, but season 2 is really good. Somewhat predictable at times, but clever.
• We are also watching season 2 of The Pitt (HBO Max). Excellent. Next up will be season 4 of Dark Winds (Netflix).
• I've watched this video over and over again: EVERY ANGLE: Megan Keller's goal to clinch Team USA hockey gold​​
• I bought The Wager and can't wait to read it.

Tools I'm Using From Partners

• Aura: It's the swiss army knife of online security: antivirus software, password manager, VPN, identity theft protection, parental controls. Get up to 68% off.
• 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.
• 1Password: An excellent password manager currently offering 25% off on annual plans.

Resources From Partners

• 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.