Good morning:
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​UPDATE: The next live Q&A will be Monday, November 2nd at 7 PM. You can subscribe to the YouTube channel where the show is broadcast here.

​Your Book Recommendations​

3 Things

1. Treasury sets I Bond’s fixed rate at 1.40%; composite rate rises to 5.51% (Tipswatch)
2. Problems with Annuities (FI Tax Guy)
3. The Reality of Living Alone in Retirement (The Retirement Manifesto)

ICYMI

• Retirees: Here’s What You Can and Can’t Control About Your RMDs (Morningstar)
• Can You Count on Social Security in Retirement? (Of Dollars And Data)
• The Last Call My Father Made Was to Me (Oldster Magazine)
• When scammers target seniors (Knowable Magazine)
• An AI Conceived a Cyberattack Involving Christine Benz. A Cybersecurity Expert Explains (Morningstar)
• What If This is the Worst Time to Retire? (A Wealth of Common Sense)
• 5 Things to Know About HSAs at Age 65 (The Slott Report)
• The Baloney Detection Kit: Carl Sagan’s Timeless Tenets of Critical Thinking (The Marginalian)
• Dear Al Pacino (Psyche)
• Oh captain, our captain: Ars staff remembers Patrick Stewart (Ars Technica)
• Seven Short Novels You May Not Know (But Should) (Harvey Sawikin)
• Tyler Cowen’s Strongest Book Recommendations, 2003-2026 (Marginal Revolution)

My Videos & Articles

• VT vs. VTI + VXUS vs. DFAW in a Taxable Account (YouTube)
• What to Do When Your Retirement Plan’s Chance of Success Falls (YouTube)
• The Forever Paycheck: Is Jean Chatzky Right About Annuities? (YouTube)
• Roth Conversions Won't Save Your Retirement (YouTube)
• Is 100% Stocks Too Risky at 71? (FQF) (YouTube)

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

• The Credibility Gap: Who's on First (David L. Lander and Harry Shearer) (Squigenny)
• I've never read a Carl Sagan book, but just ordered The Demon-Haunted World: Science as a Candle in the Dark. Looking forward to reading it and many more by Sagan.

Tools I'm Using From Partners

• Monarch Money: Get 50% off the First Year of Monarch Money Core Plan--Discount Code: ROB50​
• ​Empower: One of the best investment and net worth trackers, and a solid retirement planner, all free.
• ​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.
• 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.