A viewer named John emailed me the following question: "I'm planning to build a 5yr TIPS ladder to provide some inflation protected income in the years before Medicare and SS.  How do I model that "account" in Boldin??"

It's a great question, and it gives us the opportunity to look at an often overlooked feature of retirement planning software--pension income. Yes, a TIPS ladder can be modeled as pension income. We'll look at it in both Boldin and ProjectionLab.

Boldin: https://go.robberger.com/boldin/yt-ti...
ProjectionLab: https://go.robberger.com/projectionla... (use code RBERGER-10 for a 10% discount)
TIPSLadder: https://www.tipsladder.com/

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Here are the questions for this week's Five Question Friday (FQF):

1. Are savings accounts better than bond funds?
2. Can you please explain nominal and real returns?
3. Does it matter if the market is up or down if you do a Roth conversion?
4. Will I be taxed twice on reinvested dividends?
5. Do you really need more than one broker?

Bonus Question: What camera and mic are you using?

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Choosing between traditional and Roth 401k contributions is difficult. It forces us to make a guess about our taxes years or even decades from now. In this video, we'll discuss some of the factors that can affect this decision. And then, I'll share one strategy that may make the decision much easier.

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Welcome to another edition of Five Question Friday (FQF). Here are the five questions we'll cover:

1. Will fake inflation data destroy TIPS?
2. How should a pension affect your asset allocation?
3. Do advisors really add 3% to your returns?
4. TIPS Ladder vs TIPS Fund
5. Investing in a Roth vs Traditional Retirement Account

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According to the latest report from the Board of Trustees of Social Security, it will become insolvent in 2033. Without money in the trust fund to bolster tax receipts. The Social Security Administration will only be able to pay out 79 cents on the dollar in benefits.

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Retirement planning requires that we make a lot of assumptions about the future. From all of these assumptions and other data, most software spits out a "Chance of Success." That number can make the future appear more certain than it is. In fact, many people make some big mistakes with their retirement plans.

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Welcome to Five Question Friday! Here are the questions we'll cover in today's video:

1. Should You Build a TIPS Ladder in Retirement?
2. Are Vanguard's LifeStrategy Funds a Reasonable Choice in Retirement?
3. Is the 40/60 Portfolio the New 60/40 Portfolio?
4. How many investment brokers do I use?
5. How to rebalance across different account types?

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In today's Five Question Friday (FQF), we tackle these five fantastic questions:

1. What financial apps are worth paying for in or near retirement?
2. How do you enter money market funds into your investment tracking spreadsheet?
3. Is it safe to link accounts to apps?
4. Can you comment on Bill Bernstein's comment that if you've won the game, stop playing?
5. Is Larry Kotlikoff's criticism of Boldin justified?

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Retirement withdrawal strategies are about a lot more than just the 4% rule or safe withdrawal rates. To better understand how they work and how you can apply them to your retirement, this video walks through 7 rules I follow when it comes to spending down your investments in retirement.

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In today's Five Question Friday (FQF), we have five more great questions sent in by viewers:

1. Should we think of dividends as guaranteed income?
2. Should we invest in our HSA the same way we invest in our Roth IRA?
3. How should you pay tax on a Roth Conversion?
4. Should you get long-term care insurance?
5. Should our investing strategy change as our wealth rises?

WSJ Article on LTC insurance: https://www.wsj.com/personal-finance/...
Fidelity Alternative Investments: https://www.fidelity.com/go/alternati... 

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