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

3 Things

1. How Social Security Spousal Benefits May Change My Claim Date (Retirement Manifesto)

2. Social Security's Trustees Report Is Scary. But Don't Rush to Take Benefits Early (Larry Kotlikoff)

3. Retirement Savings Waterfall: In What Order to Make Your Savings Contributions (Best Wallet Hacks)

My Videos & Articles

• ​Will Baby Boomers Crash the Stock Market? (FQF)
• ​5 Practical Ways AI Can Improve Your Finances​

ICYMI

• Buy, Borrow, Die: Why This Popular Tax Strategy for the Rich Doesn’t Work (William Bernstein and Allan Roth)
• Family and friends shoulder the real cost of dementia − $224B in unpaid care (The Conversation)
• Checking In on AI and the Big Five (Stratechery)
• What’s Better Than U.S. Bonds for Downside Protection? (Of Dollars And Data)
• All Time Highs Are Bullish (The Big Picture)
• The U.S. T-bill market is feeling the debt pinch (TIPS Watch)
• Self-driving cars are finally shifting gears (Faster, Please!)
• This observatory's first images are stunning — and just the start (NPR)
• How I Turned ChatGPT Into My Personal Nutrition Coach and You Can Too (Art of Manliness)
• How Likely Are You to Have an Extended Long-Term Care Need? (Morningstar)
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What I'm Reading, Listening To, Watching, and Thinking About

• I listened to an interview of Ethan Mollick, author of Co-Intelligence: Living and Working with AI. Mollick is a professor at Wharton.
• I've regretted not studying more math in school. It was my favorite and best subject. I remember playing Around the World in grade school. We were in a big circle. The teacher would choose one student who would then pair up with the student on their right. The teacher would hold up a multiplication card and whoever called out the answer first continued down the line. The goal was to make it around the circle, which I often did. But Kevin Gallagher was my archnemesis. I remember one time he was the last person I had to beat to complete the circle. We called out answers at the same time card after card after card. He eventually won. Anyway, I never went beyond Algebra II and statistics. So I'm going to start some math courses on Khan Academy.

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Resource

• 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.
• ProjectionLab 10% Discount Code RBERGER-10​
• Monarch Money 50% the First Year Discount Code: MONARCHVIP​

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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.