Good morning:
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​UPDATE: I've decided to take a short break from the Live Q&A and FQF videos. I'll still be publishing other videos and even doing some live shows that focus on specific topics.

You can subscribe to the YouTube channel where the show is broadcast here.

​Your Book Recommendations​

3 Things

1. 4 Alternative Retirement Paths And How Advisors Can Help (Kitces)
2. Financial Fraud (HumbleDollar)
3. Spending Your Nest Egg: 10 Truths About the Decumulation Phase (Earn & Invest)

ICYMI

• The Wrong Way to Decide Whether an Annuity Is Expensive (Retirement Researcher)
• 2026–2028 Medicare IRMAA Premium MAGI Brackets (The Finance Buff)
• 'Just Really Shocking': Americans Rush To Take Social Security Benefits Early (FA-Mag)
• Can We Stop Moving the Goalposts? (Can I Retire Yet)
• The Most Important Thing to Remember About Your Mother (The Marginalian)
• Roth Employer Contributions Come With a 1099-R Surprise (Morningstar)
• Rear Window (J.P. Morgan)
• A makeover for college: No gym, no meal plan and two years of work (NPR)
• How Sec. 530A Trump Accounts Impact Intergenerational Giving (Kitces)
• What's a Safe Withdrawal Rate After You've Already Retired? (Morningstar)
• Are We Denying Our Kids Because We're Afraid of Making Them Lazy? (Earn & Invest)
• Matter, Memory, and the Paradox of Perception (the marginalian)

My Videos & Articles

• Working on some videos for next week.

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

• We are watching season 4 of Reacher (Prime Video). It's my favorite season so far.
• ​Silo (Apple TV) has been excellent.
• And I'm really looking forward to watching The Only Living Pickpocket in New York (trailer) starring the incomparable John Turturro.
• While I continue to read and enjoy Master of the Senate and Dungeon Crawler Carl (two books that couldn't be more different), I've also started reading American Cosmic: UFOs, Religion, Technology, which is fascinating.
• And I stumbled upon this Youtube video of a home library that I really enjoyed.

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.