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. Security Keys: The Most Secure Way to Log In (Oblivious Investor)
2. Is Your Cautious Retirement Spending Doing More Harm Than Good? (Morningstar)
3. Retirement Is A Relationship Problem (Humans vs Retirement)

My Videos & Articles

• ​Retirement Planning Session | Live (Apr 14, 2026)
• ​Can A Trump Account Make Your Child a Millionaire? Live Q&A (Apr 20, 2026)
• ​Will AI Replace Me and My YouTube Channel? (FQF)​

ICYMI

• My In-Laws' PepsiCo: A Real-Life Cézanne Stock (The Falling Knife)
• Survival is the Only Success (Of Dollars And Data)
• Why Social Security Faces a Financial Reckoning Just a Few Years From Now (Center for Retirement Research)
• 6 Tax Tips You Should Start Thinking About Now (Morningstar)
• Money Tips for People Who Hate Money (The Root of All)
• Your Backpack Got Worse On Purpose (Worse on Purpose)
• Historical 90% and Monte Carlo 90% Are Not the Same Number (Bellavia)
• The Anti-Prestige Prestige Show: Why 'The Pitt' Is the Cure for What Ails TV (The Bulwark)
• Brandon Sanderson vs. AI Art (Cal Newport)
• Software Eats Its Own (On my Om)
• Javokhir Sindarov: 'What I remember most from my childhood is chess' (El País)
• Pancreatic Cancer mRNA Vaccine Shows Lasting Results in Early Trial (NBC News)
• Count Your Blessings, but Count Carefully (Raptitude)

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. What strikes me most is LBJ's obsession with ambition.
• I've been listening to the AI Daily Brief, which is both a podcast and YouTube channel. Excellent content.
• A viewer named Ed emailed me about an excellent free HSA app by Fidelity. It's worth checking out.

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.