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 9th at 7 pm ET. You can subscribe to the YouTube channel where the show is broadcast here.

3 Things

1. Preparing Without Predicting (A Wealth of Common Sense)

2. How Much Will Your Long-Term Care Needs Cost? It Depends on How Average You Are (Center for Retirement Research)

3. Tax Smart Retirement (Humble Dollar)

My Videos & Articles

• ​How Much Cash Should Retirees Hold as an Emergency Fund? (FQF) (This video was recorded live, and I didn't realize it! I thought I was creating a pre-recorded video, not realizing I was live the entire time! I'll explain how that happened during tomorrow's Live Q&A.)

ICYMI

• Starkiller: New Phishing Framework Proxies Real Login Pages to Bypass MFA (Abnormal.AI)
• Retirees: Should You Take RMDs Early in the Year or Wait? (Morningstar)
• Exercise variety—not just amount—linked to lower risk of premature mortality (Harvard)
• Don’t “Avoid Probate”: Reframing Estate Planning Success Around Managing (Not Escaping) The Probate Process (Kitces)
• Don't start a GoFundMe for your medical bills just yet (The Joint Account)
• Don't Settle For A Near-Life Experience (The Net)
• Are You Noticing This? (Ryan Holiday)
• KDO Rolodex (Kottke)
• Hey, You Should Probably Check Your Chatbot’s Privacy Settings (Big Technology)
• So You Want to Build a Tunnel... (Practical Engineering)
• How to Create Your Own Luck: 5 Easy Practices (Forte Labs)

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. Each book is excellent.
• I'm also taking an online course on Claude Code that is excellent. It's taught by Dr. Jules White of Vanderbilt. It's easy to follow and not boring. It's available on Coursera.

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

• Quicken Simplifi: Get Simplifi 50% off the first year ($2.99 a month)
• 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.