Resources in Episode
Morningstar: https://go.robberger.com/morningstar/...
Fidelity Article: https://www.fidelity.com/viewpoints/r...
Kitces Article: https://www.kitces.com/blog/retiremen...
Spend Safely in Retirement Article: https://robberger.com/spend-safely-in...
Fidelity HSA App: https://apps.apple.com/us/app/fidelit...

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This week in Five Question Friday (FQF): mega IPOs, sequence of returns risk, RMDs from a bonds-only IRA, Roth conversions after 59 1/2, and VT versus VTI plus VXUS.

Question 1: Will the giant IPOs coming in 2026 drain money from the market and depress stock prices?
Question 2: Is 20% to 30% in bonds enough protection against sequence of returns risk?
Question 3: If you move your IRA entirely into bonds, will RMDs force you to sell bonds when they're down?
Question 4: If you're over 59 1/2, why not make every IRA withdrawal a Roth conversion?
Question 5: Is "VT and chill" costing you 0.7% a year compared to holding VTI and VXUS separately?

Resources mentioned in the video:

SpaceX IPO pricing: https://www.npr.org/2026/06/11/nx-s1-...
S&P 500 buyback data: https://www.spglobal.com/spdji/en/cor...
Money market fund assets: https://www.ici.org/research/stats/mmf
Bengen's original 1994 paper: https://www.financialplanningassociat...
Kitces/Pfau rising equity glidepath: https://www.kitces.com/blog/should-eq...
IRS RMD FAQs: https://www.irs.gov/retirement-plans/...
IRS Publication 590-B (Roth and IRA distribution rules): https://www.irs.gov/publications/p590b
RMDs come out before conversions: https://irahelp.com/new-rule-all-ira-...
The two Roth 5-year rules: https://www.kitces.com/blog/understan...
The VT vs VTI/VXUS articles in question: https://princetonasset.com/2026/05/25...
Elm Wealth on VT vs VTI/VXUS: https://elmwealth.com/vt-vs-vti-vxus/
Bernstein on the rebalancing bonus: https://www.efficientfrontier.com/ef/...
Foreign tax credit basics: https://www.bogleheads.org/wiki/Forei...
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In today's video we discuss if we should try to find investments that consistently beat the S&P 500.

Resources From Video
   • You Can’t Win With Money While Your Life I... 
https://www.spglobal.com/spdji/en/res...
https://www.morningstar.com/funds/xna...
https://www.morningstar.com/funds/xna...
https://www.morningstar.com/etfs/arcx...

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

1. Is the market inevitably going to crash, and how to mitigate
2. When to take SS and investing the early payments
3. Should we even bother tracking portfolio performance?
4. How to calculate how much money you need to retire comfortably
5. Why retirees still need an emergency fund

Resources From Video
Open Social Security: https://opensocialsecurity.com/
FI Calc: https://ficalc.app/
Boldin: https://go.robberger.com/boldin/yt-fqf
Empower: https://go.robberger.com/empower/yt-fqf
Snowball Analytics: https://go.robberger.com/snowball-ana...

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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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