In today's Five Question Friday (FQF) episode, we cover these questions:

1. Four golden rules for avoiding financial scams
2. Finding and canceling forgotten subscriptions
3. Sharing passwords and 2FA with your spouse
4. Finding trustworthy help managing finances in old age
5. Are debt consolidation services legitimate?

Resources From Video
FTC Avoiding and Reporting Scams: https://consumer.ftc.gov/scams
ReportFraud.ftc.gov — If you encounter a scam, report it here to help law enforcement stop scammers.
IdentityTheft.gov — If you think a scammer has your personal information, this site walks you through recovery steps.
Rocket Money: https://go.robberger.com/rocket-money...
Monarch Money: https://go.robberger.com/monarch-rob5... (Use code ROB50 for 50% off the first year's subscription)
1Password Families: https://go.robberger.com/1password/yt-
AADMM Find a DMM Directory: https://secure.aadmm.com/
Nolo's Guide to Daily Money Managers: https://www.nolo.com/legal-encycloped...
NFCC Agency Finder: https://www.nfcc.org/agency-finder
Consumer Financial Protection Bureau - Credit Counseling Guide: https://www.consumerfinance.gov/ask-c...

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In today's episode, we discuss the following:

1. ChatGPT for Finances
2. A free version
3. Whether this is the end of budgeting apps

Resources From Video
ChatGPT Prompt: Create a beautiful dashboard that shows me my spending by category, a pie chart that I can click on to show which transactions make up that category, and identify any suspicious transactions and also any recurring expenses. Really make the dashboard really pretty.

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In today's Five Question Friday (FQF) video, we cover these questions:

1. How many years of "safe funds" should you hold beyond guaranteed income?
2. Reducing portfolio risk in retirement when returns aren't needed
3. Budgeting app that syncs the Sam's Club Mastercard
4. Does the 4% rule account for pre-tax vs. after-tax assets?
5. Should you only sell stocks when the market is at record highs?

Resources From Video
Budgeting Apps: https://robberger.com/best-budgeting-...
Monarch Money: https://go.robberger.com/monarch-rob5... (Promo code: ROB50)
https://www.wallstreetcourier.com/spo...
https://www.morningstar.com/economy/w...
https://www.monarch.com/connection-st...
https://robberger.com/research/asset-...
https://www.kitces.com/blog/the-impac...

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In today's video, we answer the following question: Can the bucket strategy help you generate income and grow your wealth in retirement, even as you're spending money to live on?

Retirement Manifesto Articles
First Article: https://www.theretirementmanifesto.co...
Second Article: https://www.theretirementmanifesto.co...

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In today's Five Question Friday (FQF) video, we cover these questions: 

1. Floor & Enjoy Retirement Strategy
2. Target Date Funds
3. Paying Taxes on Roth Conversions
4. Vanguard’s New BondBuilder ETFs
5. Boldin vs. Empower

Resources From Video
Empower: https://go.robberger.com/empower/yt-fqf
Boldin: https://go.robberger.com/boldin/yt-fqf
https://longevity.stanford.edu/wp-con...
https://robberger.com/spend-safely-in...
https://fundresearch.fidelity.com/mut...
https://fundresearch.fidelity.com/mut...
https://advisors.vanguard.com/tax-cen...
https://investor.vanguard.com/investo...

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In this Five Question Friday (FQF) video, we cover these questions:

1. How to teach your significant other to manage the investments? (The Spouse Financial Survival Kit)
   1. Start with a One-Pager
      a. Accounts
      b. Key Professionals
      c. Withdrawal Order
      d. Financial Overview Doc: https://docs.google.com/document/d/1W...
   2. Financial Love Letter
https://docs.google.com/document/d/1q...
  3. Review the documents once a year

2. When to Take RMDs?
    1. Timing doesn’t change amount (the amount is based on balance at end of last year)
    2. RMDs must come before Roth conversions
        a. https://obliviousinvestor.com/rmd-tim...
   3. Take QCDs first if you plan to have them count toward RMDs
   4. If needed for spending, take as needed (monthly or quarterly)
   5. If not, wait until later in the year

3. How can I see the stocks owned by a target date retirement fund?
    Morningstar Investor: https://go.robberger.com/morningstar/

4. How do you keep track of HSA expenses?
https://docs.google.com/spreadsheets/...

5. Why haven’t I done a Roth conversion yet?

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In this episode, I'll answer the following question from a viewer:

"I would like to ask if you can do a video on the current specific funds you are invested in? You did a video a while back about your 6 funds, but now you mentioned in a recent video that you simplified and are down to 3 or 4 funds. I was thinking of mirroring your 6 fund plan but now I see you have simplified, which is why I am asking if you can do a new video going over your new 4 fund plan."

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In today's Five Question Friday (FQF) video, we cover these questions:

1. Where is the best place to park cash today?
2. Should you invest or pay off student loans?
3. Are Schwab’s Target Date Retirement Funds a solid option?
4. When should you start spending your IRA money?
5. Should a TIPS ladder be part of a retirement portfolio?

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In this episode,  we cover my Ultimate Retirement Checklist:

1. Healthcare

2. Start learning about Medicare

3. Understand IRMMA brackets

4. Track Expenses

5. Calculate Your Burn Rate

6. Calculate Your Guaranteed Income Ratio

7. Plan for large expenses

8. Plan when to take Social Security

9. Cash

10. Create a Tax-Efficient Withdrawal Strategy

11. Understand how investment withdrawals are taxed

12. Consider Roth conversions

13. Plan how to spend down your HSA

14. Simplify Accounts

15. Simplify Investments

16. Consider your asset allocation

17. End of Life Documents

18. Consider how to use your home equity

19. Consider using retirement planning tools

20. Protect your online accounts (financial, email, social)

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In today's Five Question Friday (FQF) video, we cover these questions: 

1. How do you protect your portfolio as you near retirement?
2. How does asset location work if you must draw from taxable accounts?
3. Should you automatically reinvest dividends?
4. How can I diversify away from the S&P 500?
5. What is the safe withdrawal rate for a 20 year retirement?

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