Claim OwnershipThe Rob Berger Show
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Personal finance for smart people by the host of the Dough Roller Money Podcast. Rather than forcing you into a one-size-fits-all financial plan, we discuss the tools, resources, and strategies that will empower you to make the best money decisions for you and your family.
168 Episodes
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Dave Ramsey is perhaps best known for his baby steps and helping countless people get out of debt. Among low cost index fund investors, he's also known as recommending expensive mutual funds with front loaded sales charges. While fees are important, what matters even more is after-fee returns. And that raises an important question--Does Dave Ramsey's approach to investing outperform a portfolio of low cost index funds?In this episode, we'll look at American Funds, which appear to be Dave's fu...
1Opening an IRA account is an important step towards saving for retirement. The best IRA accounts have low fees, a wide array of investment options and tools that make investing easy. My analysis stems from holding accounts at each of the brokers on the list, with the exception of Ally Invest. I’ve had a Rollover IRA, Roth IRA, Traditional IRA, SEP IRA or an Inherited IRA at Wealthfront, Vanguard, Fidelity and Merrill Edge. I’ve held taxable accounts at Betterment and M1 Finance.Beyond my...
Index funds like an S&P 500 index fund will underperform other investments each and every year. It will underperform countless stocks and even other actively managed ETFs and mutual funds. To build wealth, you have to be willing to accept that other investors will outperform your portfolio each and every year. The good news is that you'll likely outperform them every decade.
A three fund portfolio is a simple approach to investing that, as the name suggests, involves just three mutual funds or exchange-traded funds. In just three funds, an investor can build a diversified, low cost portfolio that's easy to manage.Popularized by the Bogleheads, the three fund portfolio is one of several "Lazy Portfolios." You don't let the Simplicity fool you. A three fund portfolio has outperformed most comparable actively managed portfolios Over the past several decades. I...
An update on how I'm saving and investing all of the cash back rewards earned from credit cards. I'll show you my M1 Finance account, how I'm investing the rewards, and how those investments are performing.
History tells us how and why bear markets are an investor’s best friend. In this video, we walk through the numbers of the 2008 bear market to see what investors should do during a market decline.TOOLS & BOOKS I LOVEMy Book (of course): https://amzn.to/3by10EEPersonal Capital: http://go.robberger.com/PersonalCapitalMorningstar: http://go.robberger.com/MorningstarChase Sapphire Reserve: http://go.robberger.com/Sapphire_ReserveABOUT ME While still working as a trial attorney in the sec...
In this podcast, you'll learn how to maximize credit card rewards and invest them to build wealth. We look at a free credit card rewards calculator and discuss the best credit cards to get the most out of your rewards.RESOURCES MENTIONED IN THIS VIDEOCredit Card Rewards Calculator: Alliant Credit Union Visa Signature Cardhttps://www.alliantcreditunion.org/bank/visa-signature-card2.5% Cash Back$10,000 Monthly Spending Cap (1% thereafter)$99 Annual Fee (waived the first year)Apple Cardhttp...
Under the newly enacted CARES Act, you can legally stop making your mortgage payment for up to one full year. Here's what you need to know.RESOURCES MENTIONED IN PODCAST* Freddie Mac: https://myhome.freddiemac.com/own/getting-help-disaster.html* Fannie Mae: https://www.knowyouroptions.com/covid19assistance* Freddie Mortgage Lookup: https://ww3.freddiemac.com/loanlookup/* Fannie Mortgage Lookup: https://www.knowyouroptions.com/loanlookupTOOLS & BOOKS I LOVEMy Book (of course): https://amzn...
We build a free savings calculator in Google Sheets. It's easy to use, can be built in Excel if you prefer, and it will help you see the power of compounding. Enjoy!Savings Calculator: https://bit.ly/2JCfdodTOOLS & BOOKS I LOVEMy Book (of course): https://amzn.to/3by10EEPersonal Capital: http://go.robberger.com/PersonalCapitalMorningstar: http://go.robberger.com/MorningstarChase Sapphire Reserve: http://go.robberger.com/Sapphire_ReserveABOUT ME While still working as a trial attorney...
The Cares Act offers student loan forbearance on all federal student loans. Here’s what you need to know.RESOURCES MENTIONED IN THE PODCASTCARES Act: https://www.congress.gov/bill/116th-congress/house-bill/748/text#toc-H84A93012B87A4D09A1F0A6DE5E61EE31https://studentaid.gov/announcements-events/coronavirushttps://www.consumerfinance.gov/about-us/blog/what-you-need-to-know-about-student-loans-and-coronavirus-pandemic/CornerStone: 1-800-663-1662FedLoan Servicing (PHEAA): 1-800-699-2908Granite S...
Here are the resources mentioned in the podcast:Sick Leavehttps://www.irs.gov/newsroom/treasury-irs-and-labor-announce-plan-to-implement-coronavirus-related-paid-leave-for-workers-and-tax-credits-for-small-and-midsize-businesses-to-swiftly-recover-the-cost-of-providing-coronavirusTravel Reliefhttps://www.forbes.com/sites/advisor/2020/03/11/master-list-of-airline-coronavirus-policies/https://www.forbes.com/sites/forbestravelguide/2020/03/13/master-list-of-hotel-coronavirus-change-and-cancellat...
A review of an investment tracking spreadsheet you can download for free.Free Investment Tracking Spreadsheet: https://bit.ly/3dMezSPSame spreadsheet but with the rebalancing column: https://bit.ly/2vTUp8xTOOLS & BOOKS I LOVEMy Book (of course): https://amzn.to/3by10EEPersonal Capital: http://go.robberger.com/PersonalCapitalMorningstar: http://go.robberger.com/MorningstarChase Sapphire Reserve: http://go.robberger.com/Sapphire_ReserveABOUT ME While still working as a trial attorney i...
The Coronavirus has plunged us into the first bear market in more than a decade. Here’s how those in or nearing retirement can handle their investments to navigate the market crash with confidence.RESOURCESVanguard Advisory Services: https://investor.vanguard.com/financial-advisor/financial-adviceFee-only Advisors: --https://planvisionmn.com/--https://rickferri.com/Personal Capital: http://bit.ly/2IXHuFrMorningstar: http://bit.ly/3dgN1VI4% Rule--William Bengen's original 1994 article: ht...
Is it really possible to build wealth on just $5 a day? In this episode, we cover what's called the Latte Factor. We look at how small, seemingly insignificant changes in how we spend money can have a positive change in our finances.
Vanguard has announced that it is selling 280,000 small business retirement plans to Ascensus. The transaction covers individual 401(k) plans, sometimes called Solo 401(k)s, Multi-SEP IRAs, and Simple IRAs, but not individual SEP IRAs.Here's my take on what's going on, your options, and what this means for Vanguard.Press Release: https://www.prnewswire.com/news-relea...Ascensus Fees: https://www.ascensus.com/solutions/re...Fidelity Solo 401(k): https://www.fidelity.com/retirement-i...Schwab S...
In brief remarks, Federal Reserve Chairman Jerome Powell all but took an interest rate cut in the near term off the table. In doing so, he taught us a very important lesson about investing.Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...
Fidelity recently disclosed that its computer systems were breached and that the personal data of more than 77,000 customers were accessed. here's what happened and some ways we can protect ourselves.News of hack: https://www.investmentnews.com/indust...Massachusetts: https://www.mass.gov/doc/data-breach-...Maine: https://www.maine.gov/agviewer/conten...New Hampshire: https://mm.nh.gov/files/uploads/doj/r...Sample Fidelity letter: file:///Users/robberger/Downloads/Sample_Letter.pdfClass Actio...
Does the 4% Rule apply in the same way to tax-deferred, tax-free, and taxable accounts? And how should one consider the different tax treatments of these accounts when coming up with a safe spending plan in retirement? I'll cover these questions in today's video.Bengen's 1996 Paper: https://www.financialplanningassociat...Bengen's 1997 Paper: https://www.financialplanningassociat...New Retirement: https://go.robberger.com/new-retireme...Join the Newsletter. It's Free:https://robberger.com/new...
Today, the top 10 companies in the S&P 500 Index account for more than 33% of the index. That's the largest concentration we've seen in 50 years. In this video we'll cover three things:1. Just how significant is the concentration?2. Does it tell us anything about future returns?3. What, if anything, should we do about the concentration.Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...
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