Good morning:
​
​Ask: Please forward this newsletter to at least one person who needs it.
​
​Offer: If you received this newsletter from another, you can subscribe here.
​
​Reminder: The next live show will be Monday, March 23rd at 7 pm ET. You can subscribe to the YouTube channel where the show is broadcast here.

3 Things

1. Authenticator Apps: a Better Multi-Factor Option than Text or Email (Oblivious Investor)

2. How Spending Shocks Affect Retirement Planning (Morningstar)

3. Retirement Has Changed. How You Plan for It Should, Too. (Harvard Business Review)

• ​

My Videos & Articles

• ​How Should We Invest During Uncertain Times | Live Q&A
• ​Can Claude AI Replace Financial Planning Software (FQF)

ICYMI

• Ben Graham Was Wrong (Inside the Mind of Mojo)
• Will AI Replace Financial Advisors? (A Wealth of Common Sense)
• How to Be a DPOA for Your Parents (Kindness Financial Planning)
• Are Your Beliefs Assets or Liabilities? (Of Dollars and Data)
• How to Use Money Market Funds in Your Portfolio (Morningstar)
• Please Kill Me: The Step Up in Basis at Death (Money Changes Everything)
• Upvoted: The Story of Reddit (Quartr)
• Hijacking The Huckster's Hypebook (Investing 101)
• Actuarial Warfare (Shanaka Anslem Perera)
• Why ATMs Didn't Kill Bank Teller Jobs, but the iPhone Did (David Oks)
• How TV Learned to Sell Itself (Works in Progress)
• AI Gives Better Answers Than Google (The Finance Buff)

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

• I'm continuing to read three books: The Path to Power, the first of Robert Caro's biographies on LBJ, The Wager by David Grann, a non-fiction narrative about an 18th century British naval expedition, and The Road by Cormac McCarthy, a post-apocalyptic novel about a man and his son.
• So far in The Path to Power I've learned that even as a young child, LBJ was a pathological liar. In The Wager I've learned that I wouldn't have made a very good sailor in the 18th century. And from The Road I've learned that you don't need quotation marks around dialogue, although I still prefer it.
• I listened to an interview with Michael Connelly (Bosch, Lincoln Lawyer) on how he writes.

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

• 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​

​
Best,
​
Rob Berger
​
P.S. Feel free to hit reply and send me a message. I read every email.