The Rob Berger Show

Hosted by Rob Berger

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Episodes

259

Latest episode

Sep 2026

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EN-US

About the show

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.

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60 recent

September 4, 2026Episode 2601 hr 2 min

RBS 260: How to Overcome the Fear of Retirement (FQF)

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September 1, 2026Episode 25926 min

RBS 259: We Saved Three Million. Our Advisor Said We Should Be Worried

In today's episode, we learn about one viewer's experience with an advisor and cover 9 topics to find out if the advice was good or bad. Resources From Video https://www.annuity.org/annuities/ann... https://opensocialsecurity.com/ Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

August 28, 2026Episode 25818 min

RBS 258: Has AI Changed the Stock Market for Good? (FQF)

This week on Five Question Friday (FQF): Question 1: Has AI fundamentally changed the stock market, and does market history still matter? Question 2: If you retire a few years before claiming Social Security, how does the 4% rule apply during that gap? Question 3: If you roll a long-held Roth 401(k) into a brand-new Roth IRA, do you still have to wait five years to withdraw earnings? Question 4: Can you use traditional IRA funds to pay for long-term care and deduct the cost? Question 5: Can you build a fixed 50/50 portfolio by splitting money between Vanguard's 40/60 and 60/40 LifeStrategy funds? Resources mentioned in the episode: Schwab on the Roth 5-year rules: https://www.schwab.com/learn/story/wh... IRS Publication 502 (Medical and Dental Expenses): https://www.irs.gov/publications/p502 Vanguard LifeStrategy Funds: https://investor.vanguard.com/investm... Boldin (retirement planner): https://go.robberger.com/boldin/yt-fq... ProjectionLab: https://go.robberger.com/projectionla... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

August 25, 2026Episode 25723 min

RBS 257: Are Bonds Dead in 2026?

Cash has outperformed bonds for more than a decade. This outperformance has caused many to wonder if they should give up on bonds and put all of their fixed income into cash. In this episode, we'll look back over the past 100 years to see when cash has outperformed bonds, and when bonds have outperformed cash. Then will apply this to a 60/40 portfolio to see what we should be doing today in 2026. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

August 18, 2026Episode 25623 min

RBS 256: 5 Ways to Optimize Your Retirement Plan (and Pay Less in Taxes)

Can a few straightforward tax moves actually improve your retirement plan? In this episode, I take one retirement plan and optimize it, then put the optimized plan next to the base plan so you can see exactly what changed and by how much. ProjectionLab: https://go.robberger.com/projectionla... Newsletter subscribes can get a promo code for 10% off. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

August 11, 2026Episode 2557 min

RBS 255: Warning: Don't Fall For This 'Rob Berger' Scam

Scammers are sending emails pretending to be me. In this episode, I explain several fake Rob Berger email addresses listeners have reported, along with examples of the messages being sent. Some of them start with a friendly note about a YouTube comment. Some pitch questionable investment opportunities. Some try to move the conversation to WhatsApp or Telegram. One even claims a 10% weekly return. My only real email address is: rob@robberger.com If you receive an unexpected email from another address claiming to be me, it is not me. I will not track down your email from a YouTube comment. I will not send you an unsolicited investment opportunity. I will not ask you to move a conversation to WhatsApp, Telegram, the phone, or any other messaging app. The purpose of this video is simple: be careful, check the sender, and do not reply to these messages. If you receive one from a Gmail account, you can report it to Google. I included the reporting link below. Resources mentioned in the video: Gmail abuse report form: https://support.google.com/mail/conta... Gmail phishing help: https://support.google.com/mail/answe... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

August 7, 2026Episode 25418 min

RBS 254: Is The Market Too Expensive To Invest?

Sam and his wife are two years from early retirement, sitting almost entirely in cash because they think the market is too overvalued to buy. Here's why waiting for the obvious crash is harder than it looks, and a no-forecasting plan to get from all-cash to a portfolio you can actually hold. Resources in Video Boldin: https://go.robberger.com/boldin/yt-ma... ProjectionLab: https://go.robberger.com/projectionla... Note: if you subscribe to my free newsletter (link below), be sure to use the 10% discount code for ProjectionLab Shiller CAPE ratio: https://www.multpl.com/shiller-pe SGOV (iShares 0-3 Month Treasury ETF): https://www.ishares.com/us/products/3... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

August 4, 2026Episode 25320 min

RBS 253: Bonds vs. Bond Funds: Does Holding to Maturity Actually Protect You?

Are individual bonds safer than bond funds? After my last video on cash versus bonds, a lot of you pushed back with the same argument: with an individual bond or a bond ladder you can hold to maturity and get your money back, and a bond fund can't do that. In this video I put that idea to the test with real numbers. I start with the one thing we have to understand first, the difference between a bond's maturity and its duration. Duration is what tells us how much a bond or a bond fund moves when interest rates change. Then I look at how the funds actually did. Vanguard's Total Bond Market (BND) and an iShares 7-10 year Treasury ETF both got hit hard in 2022. Next we look at a single 10-year Treasury from the start of 2022, the kind you can hold to maturity, and track what really happened to it once you factor in inflation. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

July 31, 2026Episode 25227 min

RBS 252: Fidelity vs. Vanguard: Which Is Better for Your Cash? (FQF)

This week on Five Question Friday (FQF): Question 1: Is Fidelity or Vanguard the better place to keep your cash? Question 2: Is a 1.25% AUM fee reasonable? Question 3: What's the best way to preserve capital once you're in your 70s? Question 4: Should your cash bucket be a fixed dollar amount or a percentage of your portfolio? Question 5: Is it safe to share your personal finances with AI? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

June 26, 2026Episode 25153 min

RBS 251: Will AI Replace Me and My YouTube Channel? (FQF)

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... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...