Good morning:
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​Reminder: The next live show will be Monday, May 11th at 7 pm ET. You can subscribe to the YouTube channel where the show is broadcast here.

3 Things

1. Why I've Changed My Mind About Dividend-Paying Stocks (Morningstar)
2. Why Tax-Efficient Retirement Income Is About Structure (Retirement Researcher)
3. How I Became A 401(k) Millionaire (The Retirement Manifesto)

My Videos & Articles

• How to Overcome the Fear of Retirement (FQF) (YouTube)

ICYMI

• Analyzing the Analysis: How Do AI Portfolio Recommendations Hold Up? (Advisor Perspectives)
• Russia Hacked Routers to Steal Microsoft Office Tokens (Krebs on Security)
• Memory Is the Machine (On my Om)
• What Do You Do with the Apple Watch? (David Pogue)
• What I've Learned Writing 500 Blog Posts (Of Dollars And Data)
• The S&P 500 Bump That Doesn't Last (Morningstar)
• Sabastian Sawe just broke the 2-hour marathon barrier in $450 Adidas "supershoes" (Sherwood News)
• Am I Saving Enough #3: Capital Gains, Explained (Money Changes Everything)
• Major Asset Classes | April 2026 | Performance Review (The Capital Spectator)
• The New York Times Printed the Wrong Crossword Grid Last Sunday, and I Find That Timing Serendipitous (Daring Fireball)
• Just Like Me, But (Seth's Blog)
• Our Uncertain Uncertainties (Kevin Kelly)

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

• I continue to read and enjoy the first volume of Robert Caro's biography of Lyndon B. Johnson. The more I read the more I dislike LBJ. He really was an awful human being who happened to do some great things.
• Since it will take me the rest of the year to finish the 4-volume biography, I need to work in other books along the way. Let me know if you have any suggestions!

Tools I'm Using From Partners

• Monarch Money: Get 50% off the First Year of Monarch Money Core Plan--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.

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.