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-year MYGA a better deal than a 7-year Treasury?

5. If the yield from a High Yield Savings account is paying out 3.8 to 4.0%, why would it ever be a good investment to buy bonds or bond ETFs with their recent volatility?

Bonus Question: Can you explain more about your choice to practice Bikram Yoga over other types of Yoga?

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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 affect return assumptions for retirement planning?
   
Resources

2025 Tax Calculator: https://www.efile.com/tax-return-calc...
*Note*: eFile is still updating some aspects of the calculator for 2025 tax laws.
Boldin: https://go.robberger.com/boldin/yt-fqf

Vanguard Roth Conversion Calculator: https://advisors.vanguard.com/tax-cen...


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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

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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.org/topic/medicare/
SHIP: https://www.shiphelp.org/
JAMA Study on SHIP: https://jamanetwork.com/journals/jama...
Chapter: 410-220-5494
Federal Lawsuit: https://www.justice.gov/opa/media/139...

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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.

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...
Medicare Part A Costs: https://www.medicare.gov/basics/costs...
Medigap Plans: https://www.medicare.gov/health-drug-...
KFF Medigap Article: https://www.kff.org/medicare/key-fact...
Can I Change Medigap Plans? https://www.medicare.gov/health-drug-...
Compare Medicare Plans: https://www.medicare.gov/plan-compare...


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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.

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/newsroom/fact-she...
Medicare Part A Costs: https://www.medicare.gov/basics/costs...
Medigap Plans: https://www.medicare.gov/health-drug-...
KFF Medigap Article: https://www.kff.org/medicare/key-fact...
Compare Medicare Plans: https://www.medicare.gov/plan-compare...

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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.

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...

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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 should you assume in retirement?

Resources

Monarch Money: https://go.robberger.com/monarch-yt/y... (Use Promo Code ROB50 for 50% off the first year)
Simplifi: https://go.robberger.com/simplifi/yt-fqf
Boldin: https://go.robberger.com/boldin/yt-fqf
Fidelity article: https://www.fidelity.com/learning-cen...
Shiller PE: https://www.multpl.com/shiller-pe
Kitces article: https://www.kitces.com/blog/the-ratch...

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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://secure.ssa.gov/poms.nsf/lnx/0...
SSA-44 Form: https://www.ssa.gov/forms/ssa-44.pdf
Boldin: https://go.robberger.com/boldin/yt-irmma
ProjectionLab: https://go.robberger.com/projectionla...

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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 should you change asset allocation as you near retirement?

Tool: Retirement Tax-Friendly States: https://smartasset.com/retirement/ret...

Resources
Blackrock Asset Return Map: https://www.blackrock.com/corporate/i...
FICalc: https://ficalc.app/
Boldin: https://go.robberger.com/boldin/yt-fqf
Perplexity Result: https://www.perplexity.ai/search/what...
Perplexity Tax Triangle: https://www.perplexity.ai/search/what...

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