The Rob Berger Show

Hosted by Rob Berger

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Episodes

248

Latest episode

Jun 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

June 12, 2026Episode 24827 min

RBS 248: Is a Stock Market Crash Inevitable and How Should We Prepare? (FQF)

In today's Five Question Friday (FQF) video, we cover these questions: 1. Is the market inevitably going to crash, and how to mitigate2. When to take SS and investing the early payments3. Should we even bother tracking portfolio performance?4. How to calculate how much money you need to retire comfortably5. Why retirees still need an emergency fundResources From VideoOpen Social Security: https://opensocialsecurity.com/FI Calc: https://ficalc.app/Boldin: https://go.robberger.com/boldin/yt-fqfEmpower: https://go.robberger.com/empower/yt-fqfSnowball Analytics: https://go.robberger.com/snowball-ana...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

May 29, 2026Episode 24715 min

RBS 247: 4 Golden Rules for Avoiding Financial Scams (FQF)

In today's Five Question Friday (FQF) episode, we cover these questions: 1. Four golden rules for avoiding financial scams2. Finding and canceling forgotten subscriptions3. Sharing passwords and 2FA with your spouse4. Finding trustworthy help managing finances in old age5. Are debt consolidation services legitimate?Resources From VideoFTC Avoiding and Reporting Scams: https://consumer.ftc.gov/scamsReportFraud.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-finderConsumer Financial Protection Bureau - Credit Counseling Guide: https://www.consumerfinance.gov/ask-c...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

May 27, 2026Episode 24614 min

RBS 246: I Tested ChatGPT for Finance Against My Budgeting App — Here's What I Found

In today's episode, we discuss the following:1. ChatGPT for Finances2. A free version3. Whether this is the end of budgeting appsResources From VideoChatGPT 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.Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

May 22, 2026Episode 24526 min

RBS 245: How many years of "safe funds" should you hold beyond guaranteed income? (FQF)

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 needed3. Budgeting app that syncs the Sam's Club Mastercard4. 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 VideoBudgeting 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...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

May 18, 2026Episode 24422 min

RBS 244: How One Retiree Used the Bucket Strategy to Generate $241,098 in Extra Wealth

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 ArticlesFirst Article: https://www.theretirementmanifesto.co...Second Article: https://www.theretirementmanifesto.co...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

April 24, 2026Episode 24329 min

RBS 243: The Floor & Enjoy Retirement Strategy (FQF)

In today's Five Question Friday (FQF) video, we cover these questions: 1. Floor & Enjoy Retirement Strategy2. Target Date Funds3. Paying Taxes on Roth Conversions4. Vanguard’s New BondBuilder ETFs5. Boldin vs. EmpowerResources From VideoEmpower: https://go.robberger.com/empower/yt-fqfBoldin: https://go.robberger.com/boldin/yt-fqfhttps://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...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

March 6, 2026Episode 24225 min

RBS 242: The One-Page Financial Plan Every Spouse Needs (FQF)

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 Letterhttps://docs.google.com/document/d/1q... 3. Review the documents once a year2. 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 year3. 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?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

February 17, 2026Episode 24119 min

RBS 241: A Look Inside My Simplified Investment Portfolio

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

February 6, 2026Episode 24032 min

RBS 240: Where Is the Best Place to Park cash Today? (FQF)

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

February 3, 2026Episode 23925 min

RBS 239: The Ultimate Retirement Checklist

In this episode, we cover my Ultimate Retirement Checklist:1. Healthcare2. Start learning about Medicare3. Understand IRMMA brackets4. Track Expenses5. Calculate Your Burn Rate6. Calculate Your Guaranteed Income Ratio7. Plan for large expenses8. Plan when to take Social Security9. Cash10. Create a Tax-Efficient Withdrawal Strategy11. Understand how investment withdrawals are taxed12. Consider Roth conversions13. Plan how to spend down your HSA14. Simplify Accounts15. Simplify Investments16. Consider your asset allocation17. End of Life Documents18. Consider how to use your home equity19. Consider using retirement planning tools20. Protect your online accounts (financial, email, social)Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...