Good morning:
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​Reminder: The next live show will be Monday, April 20th at 7 pm ET. You can subscribe to the YouTube channel where the show is broadcast here.

3 Things

1. You Worked Too Long and Saved Too Much (Humans vs Retirement)
2. Why Portfolio Diversification Has Paid Off—but More Isn't Always Better (Morningstar)
3. Investing & Spending in Uncertain Times (Mr-Stingy)

My Videos & Articles

• ​Will the SpaceX IPO Crash the S&P 500? (FQF)

ICYMI

• Better Than Venmo and Zelle: Transfer Money with ACH/EFT (The Finance Buff)
• Did AI Kill Coast FIRE? (Of Dollars and Data)
• Are Active Stock Funds Lagging Because…They're Funds? (Morningstar)
• What Are Your Investment Beliefs? (Behavioural Investment)
• Take This Simple Step as You Approach Retirement (Morningstar)
• What You Need to Know About Trump (530A) Baby Bonus Accounts (White Coat Investor)
• How Will AI Affect Financial Planning for Retirement? (Center for Retirement Research)
• The AI Revolution in Math Has Arrived (Quanta Magazine)
• Heirs Beware: 42% Spend Inheritance Within a Year, Study Finds (ThinkAdvisor)
• Shingles Is a Bigger Deal Than You Think (Wired)
• My Trifecta Theory: A Simple Budgeting Strategy For Every Phase in Your Life (The Retirement Manifesto)
• Christopher Hitchens on Mortality (The Marginalian)

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

• I've started reading Project Hail Mary by Andy Weir. As I expected, it's very different than the movie in terms of its scientific detail. So far, it's an excellent read.
• I did a live stream on my other YouTube channel that has sat dormant for a couple of years. The video is about how I'm using AI to gather and organize research for my writing.

Tools I'm Using From Partners

• 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.

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.