Good morning:
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​UPDATE: The next live Q&A will be Monday, October 19th at 7 PM. You can subscribe to the YouTube channel where the show is broadcast here.

​Your Book Recommendations​

3 Things

1. Forty-Five Minutes to Write (Joe Posnanski)
2. Social Security Is Running Out of Time. What Happens Then? (Morningstar)
3. The Mini Arc of Lifetime Tax Planning (FI Tax Guy)

ICYMI

• What Does a 95% Success Rate Really Mean? (Retirement Researcher)
• Don’t Move to Save Money on Taxes (Money Changes Everything)
• High Inflation Drives 3.6% Social Security COLA (Committee for a Responsible Federal Budget)
• Joining the Six Percent (Oldster Magazine)
• How Not to Waste Your Life (The Marginalian)
• Voyager 1 is nearly one light-day from Earth. What’s out there? (Science News)
• Scammers know your name, and they’re counting on you to reply (Malwarebytes)
• Elizabeth Holmes documentary ‘You Can See Everything’ is a wild, mind-melting movie (WBUR)
• ‘TIPS are for losers’ … Really? (Tipswatch)
• Passkeys are now available for your Fidelity account on web (Fidelity on Reddit)
• 26 New Rules of Digital Etiquette (The Art of Manliness)

My Videos & Articles

• Fidelity Says You Need 10x Your Salary to Retire. Here’s the Catch (YouTube)
• Social Security at 62 or 70 If Benefits Get Cut (YouTube)
• How Long Will Your Money Last With the 4% Rule? (YouTube)
• Should Taxes Change Your Asset Allocation? (YouTube)
• Is It Safe to Link Your Accounts to Empower? (FQF) (YouTube)

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

• I listened to an interview of Jodi Picoult about how she writes. I knew of her work but had never read one of her novels. I purchased her most recent book, Hollow Bones and am enjoying it so far.
• I also read Mike Piper's Household Cybersecurity book that he recently published. It's a must-read book. I've asked my wife to read it.

Tools I'm Using From Partners

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

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.