Video Description

In today's Five Question Friday (FQF), we answer the following questions: 1. When does Sequence of Returns Risk (SORR) end? 2. What is the 4-Year Rule of Retirement Ruin? 3. How to overcome the fear of spending your savings in retirement? 4. How does OBBBA change Roth conversion analysis? 5. Should you do Roth Conversions or Take Distributions from an IRA? *Resources* Morningstar SORR Article: https://www.morningstar.com/retirement/how-avoid-outliving-your-retirement-savings-its-all-sequence Kitces SORR Article: https://www.kitces.com/blog/understanding-sequence-of-return-risk-safe-withdrawal-rates-bear-market-crashes-and-bad-decades/ Jim Otar Book: UNVEILING THE RETIREMENT MYTH: Advanced Retirement Planning based on Market History: https://amzn.to/3J8oFBK Minimum Dignity Floor: https://www.bogleheads.org/forum/viewtopic.php?t=421593 Tax Foundation Article: https://taxfoundation.org/research/all/federal/one-big-beautiful-bill-act-tax-changes/ Yale Budget Lab: https://budgetlab.yale.edu/ *Join the Newsletter. It's Free:* https://robberger.com/newsletter/?utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube *Financial tools I use:* *I track all of my investments, performance, fees, and asset allocation with Empower. It's Free:* https://go.robberger.com/empower/yt- *I use Monarch Money to manage our budget:* https://go.robberger.com/monarch-yt/yt-desc *My retirement plan comes from Boldin, the most robust retirement planner available at a reasonable cost:* https://go.robberger.com/boldin/yt- *I used Capitalize for my last 401(k) rollover. They did all of the work, and it's Free:* https://go.robberger.com/capitalize/yt- *My Book (Retire Before Mom and Dad):* https://amzn.to/4d9qbhA 0:00 - Intro 1:21 - When does Sequence of Returns Risk (SORR) end? 6:29 - What is the 4-Year Rule of Retirement Ruin? 8:52 - How to overcome the fear of spending your savings in retirement? 11:55 - How does OBBBA change Roth conversion analysis? 15:10 - Should you do Roth Conversions or Take Distributions from an IRA? 24:45 - Federal Budget #retirement #investing #robberger ABOUT 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. I've since sold my websites, bought them back, and started a new website and this YouTube channel. 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 CONNECT Youtube: https://www.youtube.com/channel/UC9C17-OMxa-7oRSaCtztObw?sub_confirmation=1 Facebook: https://www.facebook.com/financialfreedomguy/ Twitter: https://twitter.com/Robert_A_Berger DISCLAIMER: 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.