Good morning:
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​UPDATE: The next live Q&A will be Monday, October 5th at 7 PM. You can subscribe to the YouTube channel where the show is broadcast here.

​Your Book Recommendations​

3 Things

1. Is All the Hype Around Roth IRA Conversions Justified? (Can I Retire Yet?)
2. You May Not Get to Choose When You Retire (Retirement Researcher)
3. The RMD Mistakes That Could Increase Your Tax Bill (Morningstar)

ICYMI

• TIPS vs. I Bonds: Let's do the math (Tipswatch)
• Most Stocks Are Losers (A Wealth of Common Sense)
• The Early Retirement Withdrawal Checklist (The Best Interest)
• Will the AI Bubble Destroy our Retirement? (Mr. Money Mustache)
• Widow's Penalty Redux (HumbleDollar)
• Melatonin or magnesium: Can either supplement help you sleep? (Harvard Health)
• How to Set Your Savings Priorities? One Financial Planner's Advice (Center for Retirement Research)
• When You Can't Do One Thing, Do Something Else (A Year of Mental Health)
• The 5-Minute Habit That Will Reenergize Your Body and Mind (The Art of Manliness)
• Using ID.me Login with TreasuryDirect (The Finance Buff)
• Harvard Prof. Avi Loeb on archival data on Unidentified Anomalous Phenomena (UAP) released by the U.S. Department of War (X)

My Videos & Articles

• ​Is Now A Good Time To Invest In Bonds? | Live Q&A​
• ​Two Advisors Want 1% of His $2.6 Million. How Does He Say No? (FQF)​

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

• I started reading The King of Torts by John Grisham. I'm reading it more to study how he constructs a story than for reading pleasure. What I'm finding interesting is that he hooks you into a story without a lot of theatrics.
• Speaking of theatrics, I finished Dungeon Crawler Carl by Matt Dinniman. Although very crass, the book was enjoyable. Who knew I could enjoy a story about a man and his ex-girlfriend's cat as they navigate a maze of death built by aliens. I asked AI how much he's made of the Dungeon Crawler franchise--$40 to $50 million.

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.
• ​Kubera: My choice to track investments and net worth. They offer a 14-day free trial. An excellent free alternative is Empower.
• 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.