Best Financial Thing Investing Essentials Podcasts (2025)

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RBS 235: 10% Yield on Bonds - Good Deal or Not? (FQF) 24:00

7d ago24:00

24:00

In today's Five Question Friday (FQF) video, we look at these five topics: 1. 10% yield on bonds 2. Where to hold bonds 3. Co-signing a mortgage 4. Paying taxes on a Roth conversion 5. Asset allocation of real estate investments Bonus: Cost of long-term care calculator Resources: https://www.carescout.com/cost-of-care Join the Newsletter. It's Free…

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RBS 234: Have We Been Lied To About Social Security’s Break-Even Age? (FQF) 31:54

28d ago31:54

31:54

In today's Five Question Friday (FQF) video, we look at these five questions: 1. Have we been lied to about our Social Security break-even age? 2. Is it ok to restart the 4% rule if the market goes up in early retirement? 3. I am nervous about the run up in AI stocks . . . Could it be a good idea to consider diversifying from VTI to an “equal-weigh…

1
RBS 233: How to Invest $15 Million 28:17

2M ago28:17

28:17

In today's Five Question Friday (FQF) video, we cover these questions: 1. How to invest $15 million? 2. For the 4% withdrawal rate devised by Bill Bengen, what measure of inflation did he use? Are there other measures that you think might be more appropriate? 3. If you have a retirement portfolio with a 6% yield does the 4% rule apply? 4. Is a 7-ye…

1
RBS 232: 2025 Free Income Tax Calculator (FQF) 23:52

2M ago23:52

23:52

In today's Five Question Friday (FQF) video, we cover this questions: 1. Can you recommend a detailed tax estimator? 2. How to plan Roth conversions without a fancy retirement planner? 3. Should you pay off a mortgage early or invest the money? 4. Are identity theft protection services worth the cost? 5. How does reinvesting vs spending dividends a…

1
RBS 231: Live Medicare Q&A With Ari Parker, JD 2:08:19

3M ago2:08:19

2:08:19

Get free guidance on Medicare from Chapter, a company I've partnered with, by calling 410-220-5494. If you call Chapter, please let me know about your experience. It's Not That Complicated https://drive.google.com/file/d/1Hqs4v7wLCjhh5ohWVVSNTs2HsGz9nufD/view Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

1
RBS 229: 7 Things to Know About Medicare Open Enrollment (Part 2 of 3) 9:47

3M ago9:47

9:47

In this episode, we'll walk through 7 things you must know about Medicare's annual open enrollment period. Resources It's Not That Complicated (pdf): https://drive.google.com/file/d/1Hqs4... Medicare & You 2026 (pdf): https://www.medicare.gov/publications... 2025 Medicare Parts A & B Premiums and Deductibles: https://www.cms.gov/newsroom/fact-she..…

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RBS 228: Original Medicare or Medicare Advantage: Which Is Right for You? (Part 1 of 3) 29:07

3M ago29:07

29:07

In this episode, we'll walk through the key differences and pros and cons of Original Medicare vs Medicare Advantage plans. Resources It's Not That Complicated (pdf): https://drive.google.com/file/d/1Hqs4... Medicare & You 2026 (pdf): https://www.medicare.gov/publications... 2025 Medicare Parts A & B Premiums and Deductibles: https://www.cms.gov/ne…

1
RBS 230: Free Medicare Resources to Help You Pick the Best Plan for You (Part 3 of 3) 18:41

3M ago18:41

18:41

In this episode, we'll walk through resources you can use to get free help with Medicare. The Resources are broken into three categories: 1. Free online educational content 2. Free Medicare guidance from SHIP 3. Free Medicare guidance from insurance brokers Resources Medicare: https://www.medicare.gov/ CMS: https://www.cms.gov/ KFF: https://www.kff…

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RBS 227: 3 Essential Tools to Evaluate Your Investment Portfolio 20:20

3M ago20:20

20:20

A viewer asked me to suggest some tools he could use to evaluate his investment portfolio and asset allocation. So in this video we looked at three of my favorite investment tools: 1. Empower: https://go.robberger.com/empower/yt-3... 2. Kubera: https://go.robberger.com/kubera/yt-3-... 3. Google Sheets: https://robberger.com/investment-trac... Join …

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RBS 226: What Budgeting App is Best for Those With a Learning Disability? (FQF) 42:49

4M ago42:49

42:49

In today's Five Question Friday (FQF) video, we cover the following questions: 1. What are the best finance apps for those with a learning disability? 2. Is 3% SWR the new 4%? 3. How do you model tax-free income in Boldin? 4. In what account type should you hold cash you plan to spend in the first few years of retirement? 5. What inflation rate sho…

1
RBS 225: 8 Ways to Reduce Medicare IRMAA Payments 20:21

4M ago20:21

20:21

In today's video, we discuss how Income-Related Monthly Adjustment Amount (IRMAA) payments are calculated and 8 strategies to reduce or even eliminate the payments. Resources from the Video Reddit Forum Post: / strategies_to_reduce_irmaa_costs_medicare 2025 IRMAA Brackets: https://www.humana.com/medicare/medic... IRMAA MAGI Calculation: https://sec…

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RBS 224: What is the Tax Triangle? (FQF) 29:04

4M ago29:04

29:04

In today's Five Question Friday (FQF), we cover five great questions and one tax calculator: 1. What is the Tax Triangle? (Traditional, Roth, and taxable accounts) 2. Is the Withdrawal Amount in FICalc the same as spending? 3. When should you sell an investment that's at a loss? 4. How far into the future should we plan? 5. When and how quickly sho…

1
RBS 223: How Bracket Filling Can Lower Your Tax Bill in Retirement 15:36

5M ago15:36

15:36

A viewer recently asked about bracket filling: "I haven't heard you or other financial advisors say much about "bracket filling" in retirement. Is it reasonable to think that in retirement I should be filling a tax bracket up with pre-tax accounts, then using after-tax accounts for withdrawals that reach into the higher bracket? Is there a way to m…

1
RBS 222: The New Tax Law Changes and How They May Affect Retirement 23:11

5M ago23:11

23:11

The passage of the One Big Beautiful Bill Act has brought us a number of changes to the tax laws. Some changes are "permanent," meaning it would take an act of Congress and the President to change them. Some are "temporary," meaning they expire at some point in the future. Almost all of them can affect how we plan for retirement, particularly when …

1
RBS 221: What's the Best Option for Cash: Money Market Funds or T-Bill ETFs? (FQF) 27:37

5M ago27:37

27:37

Here are the five questions we cover this week in Five Question Friday: 1. Should we park cash in a money market fund or a t-bill ETF? 2. Are Robo-Advisor Tax-Loss harvesting features worth it? 3. What is the Retirement Spending Smile? 4. What rate of return assumption should you use in retirement planning software? 5. Which IRA account types can b…

1
RBS 220: How the New $6,000 Senior Bonus Deduction Affects Roth Conversions (FQF) 22:38

5M ago22:38

22:38

In today's Five Question Friday we look at the following questions: 1. How should the $6,000 senior deduction affect Roth conversions? 2. Are short-term bonds a reasonable alternative to intermediate-term bonds? 3. Are tax-managed balanced funds ok in a taxable account? 4. How should I invest money I'll use to pay the rent in retirement? 5. Boldin …

1
RBS 219: 3 Smart Alternatives to the 4% Rule (No Initial Safe Withdrawal Rate Required) 26:04

6M ago26:04

26:04

One of the challenges of the 4% Rule is what your initial safe withdrawal rate should be. While the name of the rule suggests one should start with 4%, there are countless reasons why that start point may not be right for you. For example, you may retiree early, you may not use the same asset allocation the rule was based on, you may have concerns …

1
RBS 218: Individual TIPS vs TIPS Funds--Which Offers Better Inflation Projection? (FQF) 16:33

6M ago16:33

16:33

In today's Five Question Friday (FQF), we look at the following questions: 1. TIPS Funds vs Individual TIPS--which provides the better inflation protection? 2. Is a 4% withdrawal each year with no inflation adjustment a reasonable withdrawal strategy? 3. Can tax loss harvesting reduce IRMAA payments? 4. How can you estimate the annual income of an …

1
RBS 217: Are Growth Stocks Best for a Roth IRA? (FQF) 28:03

6M ago28:03

28:03

We look at the following questions in today's Five Question Friday: 1. Are growth stocks best for Roth IRAs? 2. How should you pay taxes on retirement account withdrawals? 3. How should you invest in retirement if you are scared of the stock market? 4. What's the ideal set-it-and-forget-it retirement portfolio? 5. Should you withdrawal cash from in…

1
RBS 216: Is the 4% Rule Now The 5% Rule? (FQF) 23:18

6M ago23:18

23:18

In today's Five Question Friday video we cover these questions: 1. Why has Bill Bengen gone from 4% to 5%? 2. Is it ok to put Social Security bridge money in a money market fund? 3. How do Fidelity's Zero Funds compare to Vanguard Index Funds? 4. Should cash count towards your asset allocation? 5. Should you convert Vanguard Mutual Funds to ETFs? J…

1
RBS 215: How To Invest In Your 20s (It's easier than you think) 23:10

6M ago23:10

23:10

I viewer named Eileen asked about how her children, who are in their twenties, should invest. Here's her question: Can you do a video on constructing a retirement account (Roth) for my 20 year old kids? They are contributing 15%. I am thinking 10% VGSLX, 10% VSIAX, 30% VTIAX and 50% either VTSAX or VVIAX. Your thoughts please. In this video I'll wa…

1
RBS 214: Does a Market Crash Change the 4% Rule? (FQF) 24:01

6M ago24:01

24:01

In today's Five Question Friday we look at these 5 questions: 1. Does a Market Crash Change How to Use the 4% Rule? 2. How do bond ETFs generate returns? 3. Are Timothy Funds a good option? 4. Is Fidelity HSA a solid account? 5. What's better in retirement, Schwab Intelligent Portfolios or a TDR Fund? Join the Newsletter. It's Free: https://robberg…

1
RBS 213: I Attended a Free Dinner Investment Seminar--Here's what happened. 22:35

7M ago22:35

22:35

In this video, I share my experience attending a free dinner investment seminar. The seminar was allegedly to help investors handle volatility in the markets. Instead, it turned out to be a sales pitch for expensive, complex investing products like a leveraged options strategy. Here are links to the resources I mention in the video: SPIVA Report: h…

1
RBS 212: Should You Contribute to a 401k That Has No Employer Match? (FQF) 22:32

7M ago22:32

22:32

In this edition of Five Question Friday (FQF), we look at these five questions: 1. My 401k is not employer matched, should I stop contributing to my employer 401k and open a Roth IRA instead? 2. Where should we keep cash we'll need to spend in 12 to 18 months? 3. Can you implement the bucket strategy in Boldin? 4. SCHD + TIPS & Chill? 5. Do Short-T…

1
RBS 211: When Should You Change Your Asset Allocation? (FQF) 27:03

7M ago27:03

27:03

In today's Five Question Friday (FQF) we'll tackle the following questions: 1. Is now a good time to change your asset allocation? 2. Do target date funds force you to sell stocks in a down market? 3. Does the IRS treat the withdrawal of dividends as taking out earnings or contributions from a Roth IRA? 4. Is an 80% Chance of Success in Retirement …

1
RBS 210: Where I'm Keeping My Cash: T-Bills, Money Market Funds, CDs or Savings Accounts? 9:58

7M ago9:58

9:58

In this video, I'll run down several high-yield options for your cash. I'll also discuss where we are keeping our cash today. Bank Bonuses: https://www.allcards.com/best-bank-bo... CD Rates: https://www.allcards.com/cd-rates/ Savings Rates: https://www.allcards.com/savings-acco... No-Penalty CD Rates: https://www.allcards.com/no-penalty-c... Vangua…

1
RBS 209: The 5 Biggest Risks in Retirement According to Experts 11:04

7M ago11:04

11:04

The Center for Retirement Research at Boston College recently surveyed financial advisors, asking what the major risks were to their clients' retirement. In this video, we'll look at the top 5 risks financial advisors identified, and compare them to the five biggest risks according to retirees. Here's the study: https://crr.bc.edu/wp-content/upload…

1
RBS 208: Is It Safe To Link Financial Accounts To Budget Apps? (FQF) 27:15

7M ago27:15

27:15

Here are today's Five Question Friday (FQF): 1. Are financial apps safe? 2. Can you help me understand the risk of bonds? 3. How are mutual fund dividends taxed? 4. How should we think about annuities for retirement income? 5. Does Ben Felix hate index funds? Ben Felix video: • The Problem With Index Funds Join the Newsletter. It's Free: https://ro…

1
RBS 207: Should We Do a Roth Conversion Now? (FQF) 34:07

8M ago34:07

34:07

Here are the five questions we'll cover in this week's edition of Five Question Friday: 1. Is now a good time to do a Roth conversion? (John) 2. Mutual Funds vs ETFs (Shane) 3. Should we invest more in international stocks? (Phil) 4. Is Gold a hedge against inflation? (Cathy) 5. Has 2025 wrecked our retirement plans? (Doug) Resources Boldin: https:…

1
RBS 206: Is Now a Good Time to Start Investing? (FQF) 18:54

8M ago18:54

18:54

Welcome to another edition of Five Question Friday (FQF). We actually have 6 questions today plus a free investment tracking tool: 1. Do I send Facebook friend requests to viewers? 2. Is this a good time to start investing? 3. Is rebalancing in volatile times just market timing? 4. If following the 4% rule, should the amount you pay in taxes be inc…

1
RBS 205: A Smarter Way to Model TIPS Ladders in Retirement Planning Software 17:10

8M ago17:10

17:10

A viewer named John emailed me the following question: "I'm planning to build a 5yr TIPS ladder to provide some inflation protected income in the years before Medicare and SS. How do I model that "account" in Boldin??" It's a great question, and it gives us the opportunity to look at an often overlooked feature of retirement planning software--pens…

1
RBS 204: Savings Account vs Bond Fund (FQF) 21:34

8M ago21:34

21:34

Here are the questions for this week's Five Question Friday (FQF): 1. Are savings accounts better than bond funds? 2. Can you please explain nominal and real returns? 3. Does it matter if the market is up or down if you do a Roth conversion? 4. Will I be taxed twice on reinvested dividends? 5. Do you really need more than one broker? Bonus Question…

1
RBS 203: Traditional vs Roth 401k: The Optimal Strategy 11:55

8M ago11:55

11:55

Choosing between traditional and Roth 401k contributions is difficult. It forces us to make a guess about our taxes years or even decades from now. In this video, we'll discuss some of the factors that can affect this decision. And then, I'll share one strategy that may make the decision much easier. Join the Newsletter. It's Free: https://robberge…

1
RBS 202: Could Fake Inflation Data Destroy the Value of TIPS? (FQF) 26:36

8M ago26:36

26:36

Welcome to another edition of Five Question Friday (FQF). Here are the five questions we'll cover: 1. Will fake inflation data destroy TIPS? 2. How should a pension affect your asset allocation? 3. Do advisors really add 3% to your returns? 4. TIPS Ladder vs TIPS Fund 5. Investing in a Roth vs Traditional Retirement Account Join the Newsletter. It'…

1
RBS 201: Here's When Social Security Runs Out of Money 17:07

8M ago17:07

17:07

According to the latest report from the Board of Trustees of Social Security, it will become insolvent in 2033. Without money in the trust fund to bolster tax receipts. The Social Security Administration will only be able to pay out 79 cents on the dollar in benefits. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

1
RBS 200: 9 Retirement Planning Mistakes You May Be Making 18:41

9M ago18:41

18:41

Retirement planning requires that we make a lot of assumptions about the future. From all of these assumptions and other data, most software spits out a "Chance of Success." That number can make the future appear more certain than it is. In fact, many people make some big mistakes with their retirement plans. Join the Newsletter. It's Free: https:/…

1
RBS 199: Should You Build a TIPS Ladder in Retirement? (FQF) 28:15

9M ago28:15

28:15

Welcome to Five Question Friday! Here are the questions we'll cover in today's video: 1. Should You Build a TIPS Ladder in Retirement? 2. Are Vanguard's LifeStrategy Funds a Reasonable Choice in Retirement? 3. Is the 40/60 Portfolio the New 60/40 Portfolio? 4. How many investment brokers do I use? 5. How to rebalance across different account types?…

1
RBS 198: 3 Financial Apps Worth Paying For in Retirement (FQF) 27:33

9M ago27:33

27:33

In today's Five Question Friday (FQF), we tackle these five fantastic questions: 1. What financial apps are worth paying for in or near retirement? 2. How do you enter money market funds into your investment tracking spreadsheet? 3. Is it safe to link accounts to apps? 4. Can you comment on Bill Bernstein's comment that if you've won the game, stop…

1
RBS 197: 7 Golden Rules of Retirement Withdrawal Strategies 25:32

9M ago25:32

25:32

Retirement withdrawal strategies are about a lot more than just the 4% rule or safe withdrawal rates. To better understand how they work and how you can apply them to your retirement, this video walks through 7 rules I follow when it comes to spending down your investments in retirement. Join the Newsletter. It's Free: https://robberger.com/newslet…

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RBS 196: Are Dividends Guaranteed Income? (FQF) 23:15

9M ago23:15

23:15

In today's Five Question Friday (FQF), we have five more great questions sent in by viewers: 1. Should we think of dividends as guaranteed income? 2. Should we invest in our HSA the same way we invest in our Roth IRA? 3. How should you pay tax on a Roth Conversion? 4. Should you get long-term care insurance? 5. Should our investing strategy change …

1
RBS 195: How to Invest During Economic Chaos: Tariffs, DOGE & Deficit Concerns 15:27

9M ago15:27

15:27

In this video, I'll describe my approach to investing in uncertain times. To do so, I'll enlist the help of the D.C. subway system, Sir Isaac Newton, and the 1970s. The 60/40 Solution: https://www.safalniveshak.com/wp-cont... Sir Isaac Newton Paper: https://www.sfu.ca/~poitras/cjh_newto... The Telegraph Article: https://www.telegraph.co.uk/news/ukn…

1
RBS 194: How to Hire A Financial Advisor (FQF) 26:30

9M ago26:30

26:30

In today's Five Question Friday (FQF), we cover the following: 1. Some thoughts on how to hire a financial advisor 2. Whether to consider Medicare premiums in your Roth conversion analysis 3. How Social Security should affect our asset allocation in retirement 4. How variable income should affect how we invest 5. Whether I sold U.S. stocks to buy I…

1
232: Lessons from Tiktok Success 35:17

9M ago35:17

35:17

Akala namin tapos na ang podcast journey namin… pero after two years, eto na ulit kami! 😅 Sa episode na ‘to, ikukwento namin paano nga ba kami napunta sa full-time content creation, the unexpected lessons from our TikTok success, at mga sikreto behind the scenes na hindi namin usually naikukwento online. Kung curious kayo paano nagsimula lahat (at …

1
RBS 193: My Portfolio Update And Changes to the Investment Tracking Spreadsheet (March 2025) 18:51

9M ago18:51

18:51

In this video, I'll share with you my current investment portfolio, including a big change I made in our traditional retirement accounts. I'll also share an update to my free investment tracking spreadsheet. https://robberger.com/investment-trac... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

1
RBS 192: Should You Reduce Your Stock Exposure for Today's Market Valuations: 60/40 vs 40/60 17:16

9M ago17:16

17:16

With stock valuations near all-time highs in the U.S., many people are asking whether we should reduce or exposure to stocks. In fact, a recent Vanguard market outlook report concluded that a typical 60/40 retirement portfolio may be too rich, and that a 40/60 portfolio is a better option in this valuation environment. This video is my take on all …

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RBS 191: The Bond Funds I Use To Protect My Retirement Portfolio (FQF) 27:00

10M ago27:00

27:00

Welcome back to another edition of Five Question Friday (FQF). Here are today's questions: 1. What bond funds do I use in my portfolio? 2. Do you really need an emergency fund? 3. How does living off interest work with Bengen's 4% rule? 4. How to track money market funds in my investment tracking spreadsheet? 5. Are money market funds better than i…

1
RBS 190: Warren Buffett Just Dumped Berkshire's S&P 500 Index Funds. Should we? 10:17

10M ago10:17

10:17

Warren Buffett recently sol 100% of the two S&P 500 index funds Berkshire Hathaway owned, including Vanguard's VOO. In this video, we'll look at whether we should too. News Article: https://www.investors.com/etfs-and-fu... Berkshire's Stock Holdings: https://www.dataroma.com/m/holdings.p... Berkshire's Net Stock Sales: https://x.com/dividend_data/s…

1
RBS 189: These Fidelity Funds Beat a Vanguard 3-Fund Portfolio (FQF) 35:07

10M ago35:07

35:07

Welcome to another edition of Five Question Friday (FQF). Here are the 5 questions: 1. Can one Fidelity fund beat the Vanguard 3-fund portfolio? 2. How do expense ratios work with fund of funds? 3. Concerning the 4% rule, which I believe the analysis runs out for 30 years, if someone starts to take a yearly percentage out of their portfolio at a la…

1
RBS 188: ProjectionLab Review (w/ Updates and Promo Code) 27:32

10M ago27:32

27:32

Get 10% off the cost of ProjectionLab with promo code RBERGER-10 using this link: https://go.robberger.com/projectionla.... In today's video, we'll look at the following features of ProjectionLab: 1. Export/Import Data 2. Income/Expense 3. Tax Analytics 4. Drawdowns 5. Bond Allocation Join the Newsletter. It's Free: https://robberger.com/newsletter…

1
RBS 187: SEC Fines Vanguard $106.41 Million Over Target Date Fund Snafu 7:36

11M ago7:36

7:36

Today, the SEC announced a $106.41 million settlement with Vanguard following moves Vanguard made in 2020 that resulted in excessive capital gains distributions to retail investors. In this video, I'll walk through the settlement order and what it means to investors. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

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Financial Thing Investing Essentials Podcasts

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