In this video I update my credit card rewards strategy, including our current balance we've accumulated just from credit cards. I also walk through a simple 3-card strategy you can use to generate on average 3% or more in cash back. We'll also look at how one can build wealth with credit card rewards or improve spending outcomes in retirement. ———————————— Credit Cards Mentioned in this Video ———————————— Citi Double Cash: https://bit.ly/3SDoOwe Chase Freedom Unlimited: https://bit.ly/3f7nDHs Am...
Dec 23, 2022•13 min•Ep. 92
A total international fund will include some exposure to emerging markets. The question we cover in this video is whether we should seek additional exposure through an emerging market ETF or mutual fund. Join the newsletter: https://robberger.com/newsletter/?utm......
Dec 21, 2022•4 min•Ep. 91
Today I'll discuss how I pick individual companies to invest in, and the downsides of stock ownership. Then I'll answer your questions. Join the newsletter: https://robberger.com/newsletter/?utm......
Dec 19, 2022•1 hr 39 min•Ep. 90
We'll begin by talking about a simple method to test various retirement scenarios. Then I'll answer your questions. Join the newsletter: https://robberger.com/newsletter/?utm......
Dec 16, 2022•1 hr 36 min•Ep. 89
Living off dividends in retirement can be a very safe approach to retirement spending. But it has nothing to do with the dividend. Here's why. In addition to what's in the video, living off of dividends may not keep up with inflation. That's particularly true with higher yielding investments. Join the newsletter: https://robberger.com/newsletter/?utm......
Dec 14, 2022•3 min•Ep. 88
Today we talk about two words that can help us accomplish the impossible. Then I answer your questions. Join the newsletter: https://robberger.com/newsletter/?utm......
Dec 12, 2022•1 hr 31 min•Ep. 87
Today we'll start by comparing brokered CDs with Bank CDs. I'll then do a review of a viewer's portfolio. Then we'll turn to your questions. Join the newsletter: https://robberger.com/newsletter/?utm......
Dec 09, 2022•1 hr 39 min•Ep. 86
In today's video we answer a viewer's question about retirement portfolios. Specifically, does it make sense to have a 100% bond portfolio in retirement? Join the newsletter: https://robberger.com/newsletter/?utm......
Dec 07, 2022•17 min•Ep. 85
We'll begin discussing Dave Ramsey's view of a safe withdrawal rate in retirement. Then I'll cover your questions. Join the newsletter: https://robberger.com/newsletter/?utm......
Dec 05, 2022•1 hr 33 min•Ep. 84
Many claim that the 60/40 portfolio is dead. They argue that because of interest rates, inflation, and bond returns this year, a retiree should no longer rely on a portfolio of 60% stocks and 40% bonds. Here's why I believe that the 60/40 portfolio is as valid today as it has ever been. Join the newsletter: https://robberger.com/newsletter/?utm......
Dec 02, 2022•17 min•Ep. 83
Today we take a detail look into a fairly new financial planning software called Projection Lab. As you'll see, the tool offers a lot of features and an excellent user interface for a reasonably price. Join the newsletter: https://robberger.com/newsletter/?utm......
Nov 30, 2022•49 min•Ep. 82
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Nov 28, 2022•1 hr 35 min•Ep. 81
How long term capital gains are taxed is a source of confusion for many. Some of the questions I've heard-- Can long-term capital gains put me in a higher tax bracket for ordinary income? Does my ordinary income affect my capital gains tax? Is there really a 0% tax bracket for long term capital gains and how does it work. To be clear, I am not a tax professional. I have spent a lot of time study this issue, particularly as I enter retirement with much lower ordinary income. In this video we'll l...
Oct 03, 2022•20 min•Ep. 80
Here are 3 of my favorite portfolio trackers, starting with Personal Capital-- https://robberger.com/go/personal-cap... A portfolio tracker helps to manage multiple investment accounts, including retirement and taxable accounts, as well as HSAs. The best portfolio trackers are free or low cost, offer an easy user interface, and provide useful information about your portfolio. My favorite is Personal Capital. It's free, offers excellent tools to evaluate asset allocation, investment fees and reti...
Sep 30, 2022•19 min•Ep. 79
Target date retirement funds make investing easy. With just one fund you get immediate diversification across U.S. stocks, international stocks and bonds. The best target date funds have low expense ratios and a sound asset allocation strategy. In this vide we'll look at 3 of the best target date retirement funds. We'll also look at one to avoid and why. Finally, we'll take a look at what's called the glidepath and why target date retirement funds are often not ideal once you reach retirement. J...
Sep 28, 2022•16 min•Ep. 78
In most cases, distributions from a 401k, IRA or other retirement account before the account owner reaches the age of 59.5 are subject to a 10% penalty. There are, however, a number of exceptions. Some of the exceptions are unique to IRAs, while others are unique to 401k and other Workplace Retirement Plans. Generally, I classify these exceptions into one of three types: hardship exceptions, invest in your future exceptions, and early retirement exceptions. Our focus in this video are 3 early re...
Sep 26, 2022•18 min•Ep. 77
Some financial advisors put clients in 10, 20 or even more ETFs and mutual funds. Some think they do this to make investing look complex and to justify their unreasonable fees. Regardless of the reason, it makes understanding the portfolio more difficult, and for no good reason. In this video I walk through my 3-step process for simplifying any investment portfolio. We look at a viewer's 11-fund portfolio and how to simplify it down to 5 funds. Join the newsletter: https://robberger.com/newslett...
Sep 23, 2022•20 min•Ep. 76
Retirement calculators can help us plan and prepare to retire. When we are years away, these online tools can help us determine how much we should be saving. As we approach our time to retire, they can help us understand how much we can spend each year and which accounts should fund that spending. Not all retirement tools, however, reach the same result. They take different approaches to what is a complex series of calculations and assumptions. One study examined five popular retirement planning...
Sep 21, 2022•17 min•Ep. 75
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Sep 19, 2022•15 min•Ep. 74
Compound interest has been called the 8th wonder of the world. Understanding how it works and harnessing its power is key to building wealth. In this video will walk through 7 simple calculations that show the true power of compounding. I'll also show how to get a simple, free compound interest calculator. Join the newsletter: https://robberger.com/newsletter/?utm......
Sep 16, 2022•17 min•Ep. 73
The rules of IRA contributions can be confusing. Get them wrong and you could make a costly mistake or lose out on a chance to save more for retirement. In this video we'll cover these 10 IRA contribution rules: 1. Contributions limits 2. Catch-up contribution limits 3. Income limitations on IRA contributions 4. Limits on deducting IRA contributions 5. Roth IRA contribution income limits 6. Age limits on IRA or Roth IRA contributions 7. Spousal IRA 8. Contributing to both a 401(k) AND an IRA 9. ...
Sep 14, 2022•12 min•Ep. 72
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Aug 24, 2022•2 hr 7 min•Ep. 71
According to one study, cybercrime will cost the world $10.5 trillion a year by 2025. Today, every financial account from banks to credit cards to investments offer online access. For investors, the risk of loss from cybercrime ranks as the #1 concern. Fortunately, there are steps we can all take to increase our online security. For very little money, we can significantly reduce the likelihood that a computer hacker will gain access to our financial accounts. Here are 10 steps you can take to he...
Aug 22, 2022•15 min•Ep. 70
Get free help with your 401(k) Rollover to an IRA with Capitalize: https://robberger.com/go/capitalize/y... When you leave a job, whether to retire, take another job, or leave the workplace for a time, an important question is what to do with your 401(k), 403(b) or other workplace retirement plan. In this video we walk through the three primary options: 1. Leave it with your former employer, 2. Transfer it to your new employer's 401(k), or 3. Roll it over to an IRA We'll discuss the pros and con...
Aug 19, 2022•19 min•Ep. 69
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Aug 17, 2022•1 hr 33 min•Ep. 68
Investing for a child's education presents at least two challenges. First, we don't have a lot of time to save and invest. In most cases, we have 18 years, and in many cases, a lot less. Second, Once they graduate from high school, they need the money quickly over the next few years. In this way it's very different than retirement, where we plan to spend our nest egg over 30 years or more. In this video, we are going to use Utah's excellent 529 plan as a framework on how to invest for a child's ...
Aug 15, 2022•28 min•Ep. 67
As robo-advisors go, Betterment is one of the best in my opinion. It offers excellent features (e.g., automatic rebalancing, tax loss harvesting, excellent planning tools) at a reasonable price. But how does Betterment's Core Portfolio of 10 ETFs stack up to the simple, humble 3-fund portfolio? We put both to the test in this video. Join the newsletter: https://robberger.com/newsletter/?utm......
Aug 12, 2022•9 min•Ep. 66
I used Capitalize to Rollover a 401k to an IRA. It's totally free and very easy to use: https://robberger.com/go/capitalize/y... Get a free estimate of term life insurance in 20 seconds with Haven Life Insurance: https://robberger.com/go/haven-life/y... Join the newsletter: https://robberger.com/newsletter/?utm......
Aug 10, 2022•2 hr 7 min•Ep. 65
Investors today are nervous about bonds because of the historically low yields. The fear is that as interest rates rise, the value of existing bonds will fall. In this video we'll walk through bond investing for beginners. I'll cover how bonds work, my approach to bonds, and some suggesting bond funds. If you find this information useful, consider joining my weekly newsletter: Join the newsletter: https://robberger.com/newsletter/?utm... Note: At 26:14 my reference to I bonds should have been TI...
Aug 08, 2022•1 hr•Ep. 64
With inflation and interest rates on the rise, many have asked me about bond alternatives. While I haven't changed my investments, including the bonds funds I own, I do understand the concern over bond funds that have lost money this year. So in this vide we will first looked at 4 alternatives to a traditional total U.S. bond fund. Then we'll look at four bond alternatives. And finally, we'll look at four investments many list as a bond alternative that really aren't a good alternative at all. I...
Aug 05, 2022•16 min•Ep. 63
