Good morning:
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​UPDATE: The next live Q&A will be Monday, November 2nd at 7 PM. You can subscribe to the YouTube channel where the show is broadcast here.

​Your Book Recommendations​

3 Things

1. Can a TIPS Allocation raise my Safe Withdrawal Rate? – SWR Series Part 66 (Early Retirement Now)
2. Why Your Next Withdrawal May Cost More Than You Expect (Retirement Researcher)
3. Top 10 RMD Mistakes (The Slott Report)

ICYMI

• I Bonds Fixed Rate Is Going Up, Time to Sell (The Finance Buff)
• Is It Time to Rebalance Your Portfolio? (A Wealth of Common Sense)
• Inherited an IRA? Here’s When an RMD Must Be Taken Before a Transfer (Morningstar)
• How to Grow Old without Letting Life Become a Parody of Itself (The Marginalian)
• What is hidden in the photographs we keep of each other? (Psyche)
• I was kidnapped and held hostage for 977 days. Could I forgive my captors? (The Guardian)
• Forget living to 150: What actually helps you age well (Your Local Epidemiologist)
• The Real Kevin Bacon (The Pudding)
• What is the Average Net Worth by Age? [2025 Latest Data] (Of Dollars And Data)
• Why Should Cost Basis Step Up at Death? (Use Your Wealth)
• Winner, Winner: The Chicken McNugget Story (Quartr)
• Most Improbable Agent of You (Kevin Kelly)

My Videos & Articles

• One SpaceX Share for Every Child. Here’s What Musk Didn’t Say | Live Q&A (YouTube)
• The One Number That Explains Why Your TIPS Fund Lost to Inflation (YouTube)
• I Held 90% Stocks Through the 2008 Crash. Here's What I Learned. (YouTube)
• Why I No Longer Believe in Small-Cap Value (YouTube)
• Is It a Good Time to Buy I Bonds? (FQF) (YouTube)

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

• Inside the Life of a New York City Chess Hustler (Ackerley Creative) (video with some rough language)
• My wife and I went to see Kathleen Madigan last night. I had never heard of her. Apparently, I live under a rock. She was funny.
• I'm reading Everything Must Go: The Stories We Tell About the End of the World as research for my novel. It's excellent.

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.