The Rob Berger Show

In this interview with Christine Benz, Director of Personal Finance at Morningstar, we cover several timely topics including inflation, stimulus, the 4% rule and the bucket strategy of retirement spending.

Index funds like an S&P 500 index fund will underperform other investments each and every year. It will underperform countless stocks and even other actively managed ETFs and mutual funds. To build wealth, you have to be willing to accept that other investors will outperform your portfolio each and every year. The good news is that you'll likely outperform them every decade.

A three fund portfolio is a simple approach to investing that, as the name suggests, involves just three mutual funds or exchange-traded funds. In just three funds, an investor can build a diversified, low cost portfolio that's easy to manage.Popularized by the Bogleheads, the three fund portfolio is one of several "Lazy Portfolios."  You don't let the Simplicity fool you. A three fund portfolio has outperformed most comparable actively managed portfolios Over the past several decades. In this article, we'll look at what comprises a 3-fund portfolio, its diversification, its historical returns, and how to easily build a 3-fund portfolio. We'll also look at a few ways you can supercharge the returns with a significant increase to volatility by adding a few more funds to the mix.

We interview Steve Chen, founder of New Retirement. His company has developed a robust retirement planning tool that can help you model your finances in retirement.

An update on how I'm saving and investing all of the cash back rewards earned from credit cards. I'll show you my M1 Finance account, how I'm investing the rewards, and how those investments are performing.

How to invest and manage your money during COVID-19. In this video we cover the following:--Emergency fund--The Money Audit--Is now a "buying opportunity" in stocks?--The importance of diversification--Bond allocation (TIPS and Treasury bonds)--Charitable givingTOOLS & BOOKS I LOVEMy Book (of course): https://amzn.to/3by10EEPersonal Capital: http://go.robberger.com/PersonalCapitalMorningstar: http://go.robberger.com/MorningstarChase Sapphire Reserve: http://go.robberger.com/Sapphire_ReserveABOUT ME While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)LET'S CONNECTYoutube: https://www.youtube.com/channel/UC9C17-OMxa-7oRSaCtztObw?sub_confirmation=1Facebook: https://www.facebook.com/financialfreedomguy/Twitter: https://twitter.com/Robert_A_BergerDISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.;

Should you pay off all your non-mortgage debt before you begin investing? It's an approach popularized by Dave Ramsey. It's also one of the worst financial decisions you can make. In this video that's part of the Invest with Confidence series, you'll learn why.Credit Card Payoff calculator: https://www.allcards.com/credit-card-payoff-calculator/TOOLS & BOOKS I LOVEMy Book (of course): https://amzn.to/3by10EEPersonal Capital: http://go.robberger.com/PersonalCapitalMorningstar: http://go.robberger.com/MorningstarChase Sapphire Reserve: http://go.robberger.com/Sapphire_ReserveABOUT ME While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)LET'S CONNECTYoutube: https://www.youtube.com/channel/UC9C17-OMxa-7oRSaCtztObw?sub_confirmation=1Facebook: https://www.facebook.com/financialfreedomguy/Twitter: https://twitter.com/Robert_A_BergerDISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.

The first in a series of videos walking you through how to invest with confidence. We'll cover everything from when you should start investing to how much you should invest. The series will cover how to juggle multiple financial goals, such as getting out of debt, saving for an emergency, and buying a home. Then we'll cover how much you should invest to meet your goals. The series will also cover everything you need to know about retirement accounts. we'll also cover how to design an asset allocation plan and how to evaluate mutual funds. TOOLS & BOOKS I LOVEMy Book (of course): https://amzn.to/3by10EEPersonal Capital: http://go.robberger.com/PersonalCapitalMorningstar: http://go.robberger.com/MorningstarChase Sapphire Reserve: http://go.robberger.com/Sapphire_ReserveABOUT ME While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)LET'S CONNECTYoutube: https://www.youtube.com/channel/UC9C17-OMxa-7oRSaCtztObw?sub_confirmation=1Facebook: https://www.facebook.com/financialfreedomguy/Twitter: https://twitter.com/Robert_A_BergerDISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.

History tells us how and why bear markets are an investor’s best friend. In this video, we walk through the numbers of the 2008 bear market to see what investors should do during a market decline.TOOLS & BOOKS I LOVEMy Book (of course): https://amzn.to/3by10EEPersonal Capital: http://go.robberger.com/PersonalCapitalMorningstar: http://go.robberger.com/MorningstarChase Sapphire Reserve: http://go.robberger.com/Sapphire_ReserveABOUT ME While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)LET'S CONNECTYoutube: https://www.youtube.com/channel/UC9C17-OMxa-7oRSaCtztObw?sub_confirmation=1Facebook: https://www.facebook.com/financialfreedomguy/Twitter: https://twitter.com/Robert_A_BergerDISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.

Here are the resources mentioned in the podcast:Sick Leavehttps://www.irs.gov/newsroom/treasury-irs-and-labor-announce-plan-to-implement-coronavirus-related-paid-leave-for-workers-and-tax-credits-for-small-and-midsize-businesses-to-swiftly-recover-the-cost-of-providing-coronavirusTravel Reliefhttps://www.forbes.com/sites/advisor/2020/03/11/master-list-of-airline-coronavirus-policies/https://www.forbes.com/sites/forbestravelguide/2020/03/13/master-list-of-hotel-coronavirus-change-and-cancellation-policies/#57a99f44ab16https://www.forbes.com/sites/advisor/2020/03/17/how-loyalty-programs-are-responding-to-coronavirus-updated-daily/#2023be054128Mortgage Reliefhttps://www.forbes.com/sites/advisor/2020/03/20/mortgage-relief-tracker-covid-19-relief-for-homeowners-and-renters/#ba65f1e2f19dSmall Business Reliefhttps://www.forbes.com/sites/advisor/2020/03/20/list-of-coronavirus-covid-19-small-business-relief-programs/#6f0697bae89dTax Reliefhttps://www.irs.gov/coronavirusState Taxes: https://www.taxadmin.org/state-tax-agenciesInsurance Reliefhttps://www.forbes.com/sites/advisor/2020/03/20/coronavirus-sparks-extended-insurance-payment-grace-periods/#3f2776d55f8dBanking Reliefhttps://www.forbes.com/sites/advisor/2020/03/16/goldman-sachs-waives-march-apple-card-payments-and-interest-for-those-affected-by-covid-19-coronavirus/https://www.forbes.com/sites/advisor/2020/03/12/list-of-banks-offering-relief-to-customers-affected-by-coronavirus/#35081d8a3ee3https://www.forbes.com/sites/advisor/2020/03/19/banking-and-cash-during-covid-19-crisis-some-branches-close-atm-fees-may-be-waived/#6c6523eb1c6dStudent Loan Reliefhttps://www.forbes.com/sites/advisor/2020/03/20/what-you-need-to-know-before-choosing-student-loan-forbearance-due-to-coronavirus-covid-19/#6226fb1618a2https://www.forbes.com/sites/advisor/2020/03/17/if-coronavirus-has-cut-your-income-heres-how-to-stop-or-lower-student-loan-payments/#52f6880a5fc1https://www.forbes.com/sites/advisor/2020/03/16/in-coronavirus-economy-dont-rush-to-refinance-student-loans/#116767d13cbfhttps://studentaid.gov/announcements-events/coronavirushttps://www.ed.gov/coronaviruBroke Millennial’s Coronavirus Spreadsheethttps://docs.google.com/spreadsheets/d/13OdpUwbi_VytzS4trSsGx25FxElrozbegPZK8KnSLpU/edit#gid=1276189137ABOUT ME While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)LET'S CONNECTYoutube: https://www.youtube.com/channel/UC9C1...Facebook: https://www.facebook.com/financialfre...Twitter: https://twitter.com/Robert_A_BergerDISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.