Links

Note: According to the Federal Register, book-entry I Bonds are based on the current redemption value of a $100 I Bond, but the paper I bond is in turn calculated by units of $25. Go figure!

Episode 65: Hold on for Dear Life! (No Links)

Episode 66: My Whole Life

https://www.iii.org/article/life-insurance-basics

https://www.northwesternmutual.com/life-and-money/life-insurance-guide/#chapter-1

Episode 67: Independence Day is No Picnic

https://www.cnbc.com/2022/05/31/25percent-of-americans-are-delaying-retirement-due-to-inflation.html

https://newsroom.bmoharris.com/2022-05-31-BMO-Real-Financial-Progress-Index-Inflation-Causing-a-Quarter-of-Americans-to-Delay-Retirement

https://www.allianzlife.com/about/newsroom/2022-press-releases/younger-americans-feeling-financially-at-risk-while-retirees-emerge-resilient

https://www.moneytalksnews.com/slideshows/why-people-retire-earlier-than-planned/

https://www.ebri.org/docs/default-source/rcs/2022-rcs/2022-rcs-summary-report.pdf

https://www.nerdwallet.com/article/investing/deferred-compensation

Episode 68: Changing Definitions

https://www.atlantafed.org/cqer/research/gdpnow.aspx

https://slate.com/news-and-politics/2008/09/the-difference-between-a-depression-and-a-recession.html

https://www.nber.org/research/business-cycle-dating

https://www.cnn.com/2022/06/30/economy/recession-economists-nber/index.html

https://www.wsj.com/articles/federal-reserve-ignored-the-money-supply-and-inflation-recession-coming-11657210800

https://www.bls.gov/news.release/empsit.nr0.htm

Episode 69: Expecting the Unexpected

No links, just one personal story.

Episode 70: How Do You Spell "WOKE"?

What Is Critical Race Theory? And Does It Fulfill the Civil Rights Movement or Betray It?

https://bit.ly/3J9KnS0

The DEI Regime:

https://bit.ly/3OAcbji

Biden’s ESG Tax on Your Retirement Fund

https://on.wsj.com/3z8SLwf

Episode 71: What Do You Fear?

https://www.morningstar.com/articles/1097701/how-much-does-high-inflation-really-affect-retirees

https://www.axios.com/2022/07/18/recession-worse-inflation-progressive-economists-argue

https://www.ft.com/content/31b15e03-929f-40c1-b2f8-782df4bd6e37

https://retirementincomejournal.com/article/a-recessions-threat-to-retirees-and-near-retirees/

Episode 72: Too Hot to Handle!

https://www.wsj.com/articles/jobs-report-to-keep-fed-on-aggressive-tightening-path-11659714646

https://www.reuters.com/markets/us/feds-mester-says-she-wants-get-policy-rate-little-above-4-2022-08-04/

https://www.marketwatch.com/story/feds-mary-daly-says-i-dont-feel-the-pain-of-inflation-anymore-heres-the-full-context-of-her-remarks-11659553509

Dr. Wade Pfau's book:

https://read.amazon.com/kp/embed?asin=B09FFQCDXY&preview=newtab&linkCode=kpe&ref_=cm_sw_r_kb_dp_TXE35DSZ8C3S95GZ0E3K

Episode 73: Where is Inflation Heading?

https://www.wsj.com/articles/five-not-quite-impossible-things-the-market-believes-11660655208?st=0brvudjp4twq3l4&reflink=desktopwebshare_permalink

https://www.cnbc.com/2022/08/09/inflation-spiral-seen-breaking-in-july-helped-by-lower-energy-prices.html

https://www.marketwatch.com/story/the-good-news-on-inflation-that-everybody-missed-1165833920

https://www.yardeni.com/pub/expectinflat.pdf

https://www.newyorkfed.org/newsevents/news/research/2022/20220808

https://fred.stlouisfed.org/graph/?g=SSZh

https://data.sca.isr.umich.edu/fetchdoc.php?docid=70221

https://www.philadelphiafed.org/surveys-and-data/real-time-data-research/survey-of-professional-forecasters

https://www.federalreserve.gov/monetarypolicy/fomcminutes20220727.htm

Episode 74: That New Law Affects ACA and Medicare

https://www.kff.org/policy-watch/five-things-to-know-about-renewal-of-extra-affordable-care-act-subsidies-in-inflation-reduction-act/

https://www.kff.org/medicare/understanding-the-health-provisions-in-the-senate-reconciliation-legislation/

https://squaredawayblog.bc.edu/squared-away/good-riddance-medicare-donut-hole/

https://www.fiercehealthcare.com/payers/urban-institute-part-d-2000-out-pocket-cost-cap-could-benefit-nearly-1m-seniors

https://www.healthinsurance.org/obamacare/beware-obamacares-subsidy-cliff/

Episode 75: Caution: Some Pain Ahead

and

Episode 76: Rebalancing Buckets in a Dizzy Market

See links above for Episodes 47 and 48 for Portfolio Visualizer and Boglehead discussions.

Episode 77: Buy I Bonds in September for Best Inflation Fighter

See blog's by David Enna, Tipswatch:

https://tipswatch.com/2022/09/13/u-s-inflation-rose-0-1-in-august-what-it-means-for-tips-i-bonds-and-social-security-cola/

I also go through the spreadsheeet I used to automate the formula I learned from Jennifer’s Diamond Nestegg You Tube video:

https://youtu.be/9hfHoSijJEk

Episode 78: Historically High I Bond Rates!

No links, just visit www.treasurydirect.gov and open an account!

Episode 79: Time to Shop for Your Part D Plan!

https://www.kff.org/medicare/issue-brief/key-facts-about-medicare-part-d-enrollment-and-costs-in-2022/

https://www.prnewswire.com/news-releases/older-adults-could-save-money-by-evaluating-their-medicare-plan-during-open-enrollment-301640316.html

https://newsroom.cigna.com/cigna-expands-medicare-advantage-plans-2023-giving-americans-more-care-choices-personalization-support

https://www.kff.org/medicare/issue-brief/how-will-the-prescription-drug-provisions-in-the-inflation-reduction-act-affect-medicare-beneficiaries/

https://www.medicare.gov/about-us/inflation-reduction-act

https://www.cms.gov/newsroom/news-alert/cms-releases-2023-projected-medicare-basic-part-d-average-premium

Episode 80: Giving Some I Bond Flexibility

https://treasurydirect.gov/indiv/tools-videos/deliver-gift-savings-bonds/

Episode 81: Getting Ready for Medicare in 2023

Go to www.medicare.gov and use the Plan Finder!

Episode 82: I Bond Gift Strategy Still Works!

https://www.bogleheads.org/forum/viewtopic.php?p=6920956

https://treasurydirect.gov/indiv/tools-videos/deliver-gift-savings-bonds/

https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-363

Episode 83: Don't Fight the Fed or the Phillies!

https://www.reuters.com/markets/us/feds-evans-need-get-policy-rate-bit-above-45-then-hold-2022-10-21/

https://www.reuters.com/markets/us/fed-hike-by-75-bps-again-nov-2-should-pause-when-inflation-halves-economists-2022-10-25/

https://reason.com/2022/10/27/the-experts-were-never-going-to-fix-inflation/

https://www.wsj.com/articles/whats-the-inflation-rate-its-a-surprisingly-hard-question-to-answer-11666789201?st=dwfxwkclolitiue&reflink=desktopwebshare_permalink

Episode 84: Inside Baseball on I Bonds and Inflation

https://tipswatch.com/2022/11/01/treasury-sets-i-bonds-new-fixed-rate-at-0-4-composite-rate-is-now-6-89/

https://www.cnet.com/google-amp/news/i-bonds-should-stay-popular-at-their-new-rate-how-to-buy-savings-bonds/

https://thefinancebuff.com/when-to-sell-i-bonds.html

https://www.marketwatch.com/story/why-did-inflation-surge-to-a-40-year-high-here-are-4-causes-of-the-worst-monetary-policy-mistake-in-years-11667318263?reflink=mw_share_twitter

https://www.wsj.com/articles/transcript-fed-chief-powells-postmeeting-press-conference-11667422099?mod=Searchresults_pos9&page=1

https://www.cmegroup.com/trading/interest-rates/countdown-to-fomc.html

https://www.newyorkfed.org/markets/reference-rates/effr

Episode 85: How Fast? How High? How Long?

https://twitter.com/IwasRetired

Episode 86: Signing Up for ACA Obamacare for 2023

https://www.kff.org/interactive/subsidy-calculator/

https://www.healthcare.gov/see-plans/#/

https://nj.gov/getcoverednj/financialhelp/savings/

Episode 87: Will the Fed Put a Cap on Inflation?

https://www.bloomberg.com/news/articles/2022-11-18/wall-street-economists-split-on-whether-fed-cuts-rates-in-2023?sref=cv51C53O

https://finance.yahoo.com/news/fed-lift-rates-50-basis-000952073.html

https://www.clevelandfed.org/indicators-and-data/inflation-nowcasting

https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html?redirect=/trading/interest-rates/countdown-to-fomc.html

Episode 88: It NEVER Pays to Procrastinate!

https://smartasset.com/financial-advisor/6-89-i-bonds-will-beat-9-62-i-bonds

Episode 90: Physician, Heal...Myself?

https://www.physicianonfire.com/net-worth-tracker/

https://sites.google.com/view/iwasretired/resources/spreadsheets

Episode 91: How Much are You Down for the Year?

See YouTube channel Finally Learn for its video on CAGR (Compound Annual Growth Rate).

https://youtu.be/7cHh_nOFFis

Episode 92: New Portfolio by Buckets Spreadsheet Overview

https://sites.google.com/view/iwasretired/resources/spreadsheets

Episode 93: Is the Market Fighting the Fed?

https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html?redirect=/trading/interest-rates/countdown-to-fomc.html

https://www.bls.gov/news.release/cpi.nr0.htm

https://www.federalreserve.gov/monetarypolicy/files/fomcprojtabl20221214.pdf

Episode 94: My Plan to Sell I Bonds in 2023

https://tipswatch.com/2023/01/03/i-bonds-a-not-so-simple-buying-guide-for-2023/

https://treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-rates/

https://thefinancebuff.com/when-to-sell-i-bonds.html

Episode 95: Should I Still Wait for 70? Social Security Update

https://sgp.fas.org/crs/misc/R44670.pdf

https://www.ssa.gov/benefits/retirement/planner/1960.html

https://www.ssa.gov/OACT/anypia/index.html

(Online calculator here:)

https://www.ssa.gov/benefits/retirement/planner/AnypiaApplet.html

https://www.fidelity.com/viewpoints/retirement/social-security-at-62

Episode 96: 9 Ways SECURE 2.0 Will Change Retirement

https://www.schwab.com/learn/story/secure-20-how-does-it-affect-retirement-plans

https://youtu.be/-HI9IEfDv-s

https://www.eisneramper.com/secure-2-act-retirement-plans-0123/

https://www.wellsfargo.com/the-private-bank/insights/apu-secure-act/

https://www.kiplinger.com/retirement/bipartisan-retirement-savings-package-in-massive-budget-bill

Episode 97: Hawks, Doves, and Poppycock!

https://www.clevelandfed.org/collections/speeches/2023/sp-20230216-returning-to-price-stability-in-it-to-win-it-sarasota

https://www.itcmarkets.com/hawk-dove-cheat-sheet-2/

https://www.cnn.com/2023/01/30/economy/fed-fomc-2023-makeup/index.html

https://www.wsj.com/articles/lael-brainards-fed-departure-could-leave-immediate-imprint-on-monetary-policy-3a349e65?st=o6x216suyd9if2y&reflink=desktopwebshare_permalink

Episode 98: Should My Wife File at 62?

https://www.youtube.com/watch?v=PVuCMVEbjNA&t=9s

https://www.opensocialsecurity.com/

https://www.newretirement.com

https://www.newretirement.com/retirement/are-you-relying-too-heavily-on-social-security-in-your-retirement-plan/

Some of the challenges:

https://www.kiplinger.com/retirement/social-security/602606/social-security-earnings-tests-4-things-you-must-know

https://www.kff.org/faqs/faqs-health-insurance-marketplace-and-the-aca/im-62-and-already-collecting-social-security-are-my-social-security-benefits-counted-in-determining-my-eligibility-for-subsidies-in-the-marketplace/

https://www.nolo.com/legal-encyclopedia/reduction-social-security-early-retirement-the-self-employed.html

https://www.youtube.com/watch?v=bJuA-7EL6mI&t=14s

https://www.socialsecurityintelligence.com/calculators/social-security-break-even-calculator/

Fidelity Social Security calculator:

https://digital.fidelity.com/stgw/digital/planning/retirement/guided-retirement-path/social-security

https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/retirement/GRP Social Security Methodology.pdf

https://www.retirebeforedad.com/newretirement-review-retirement-calculator/

https://www.theretirementmanifesto.com/how-to-determine-when-to-claim-social-security/.

Episode 99: 3 Big Mistakes in your 40s, 50s, and 60s

No links.

Episode 100: Where to Stash Cash and Where NOT!

https://youtu.be/8u0x2W5oCQ8

https://youtu.be/uR8LVJlpGyk

Episode 101: Where will the Fed Take Interest Rates Next?

No links.

Episode 102: How to Redeem an I Bond

https://youtu.be/9iLrfEsiZio

Episode 103: Don't Buy I Bonds in 2023!

Episode 104: When to Redeem an I Bond

Episode 105: Reconsidering my DIY Retirement

No links.

Episode 106: Rebuilding my DIY Retirement Withdrawal Strategy Spreadsheet, Part 1

Episode 107: Real Simple Tools in My DIY RWS Spreadsheet: Part 2

Episode 108: How Much Will You Pay in Taxes? My DIY RWS Spreadsheet: Part 3

https://sites.google.com/view/iwasretired/resources/spreadsheets

Episode 109: Pros and Cons of DIY Retirement Planning

Episode 110: Don't Assume You Know the Assumptions! A Personal Capital Review

if you would like to try Personal Capital, you and I could earn a $20 Amazon gift certificate. I am not being paid by Empower for this review, other than this sharing credit open to all users. Click below and link at least one retirement account to qualify:

https://empowerreferral.link/jim762

Learn more about Empower at its main website:

https://www.empower.com/empower-personal-wealth-transition

Episode 111: NewRetirement: A Financial Plan in a Box!

https://www.newretirement.com/retirement/home

Here are a few more YouTube video reviews of this excellent, affordable product:

https://www.youtube.com/live/54yyFNQyf8s?feature=share

https://youtu.be/doCnGK1Fwm0

https://youtu.be/Dpn2VWY0bvk

Some bonus links:

https://www.modestmoney.com/newretirement-review/

https://thecollegeinvestor.com/33680/newretirement-review/

https://www.reddit.com/r/retirement/comments/zxhpyc/anyone_using_newretirement_software_for_monte/

https://www.bogleheads.org/forum/viewtopic.php?t=393046

Episode 112: Let's See NewRetirement Social Security Explorer!

https://www.newretirement.com/retirement/home

https://www.opensocialsecurity.com/

Episode 113: NewRetirement vs. Open Social Security

See links above.

Episode 114: A Perspective on Inflation in Retirement

https://www.bea.gov for most recent PCE readings

Episode 115: How Long Do You Think You are Going to Live?

https://thehill.com/business/4076702-retirees-are-underestimating-how-long-they-will-live/

https://crr.bc.edu/project-page/national-retirement-risk-index/

https://crr.bc.edu/retirement-depressing-or-uplifting-its-up-to-you/

Episode 116: A Generational Shift in Retirement

https://news.northwesternmutual.com/2023-06-22-Americans-Believe-They-Will-Need-1-27-Million-to-Retire-Comfortably,-According-to-Northwestern-Mutual-Planning-Progress-Study

(Oops! Gen X median longevity age was 86, not 85!)

https://transamericacenter.org/retirement-research/23rd-annual-retirement-survey#multigenerationalworkforce

Episode 117: Advice for Gen Xers from a Boomer

https://www.aarp.org/retirement/planning-for-retirement/info-2023/generation-x-anxiety.html

https://www.cnbc.com/2023/06/13/retirees-biggest-fear-is-outliving-their-assets-research-finds.html

https://news.prudential.com/generation-x-confronts-harsh-new-reality-retirement-unreadiness.htm

https://filecache.mediaroom.com/mr5mr_nwmutual/178963/Financial%20states%20of%20America.pdf

Episode 118: The Catch with Catch-up Contributions

https://www.eric.org/wp-content/uploads/2023/07/Roth-Treasury-Transition-Letter-Final.pdf

https://www.uschamber.com/retirement/u-s-chamber-letter-on-roth-catch-up-transition-relief

https://www.wsj.com/articles/retirement-tax-breaks-401k-contributions-2868ffdc?mod=hp_lead_pos6

https://401kspecialistmag.com/401k-industry-still-pleading-for-delay-in-secure-2-0-catch-up-contribution-requirement/

https://institutional.vanguard.com/content/dam/inst/iig-transformation/has/2023/pdf/has-insights/how-america-saves-report-2023.pdf

Episode 119: ESPP and Other Ways to Max Out Savings

https://twitter.com/LTI_finance/status/1686539252732215296?s=20

https://www.financialplanningfortcollins.com/blog/nso-iso-rsu-espp-esop-equity-compensation/

https://us.etrade.com/knowledge/library/stock-plans/employee-stock-purchase-plan

https://www.naspp.com/blog/ESPP-features-pros-and-cons

https://www.nerdwallet.com/article/investing/espp

https://www.yahoo.com/video/4-types-equity-compensation-pros-140028469.html

https://www.fidelity.com/viewpoints/personal-finance/stock-plan-mistakes-to-avoid

Episode 120: This Fall, Redeem I-Bonds and Buy T-Bills

https://tipswatch.com/2023/08/06/the-i-bond-exit-ramp-is-now-open-proceed-with-caution/

https://www.bls.gov/web/cpi.supp.toc.htm

Episode 121: Should You File at 62 and Invest? A Social Security Update.

https://www.fool.com/retirement/2023/08/19/should-you-take-social-security-at-age-62-67-or-70/

https://www.fool.com/retirement/2023/08/19/only-10-plan-to-make-optimal-social-security-move/

https://www.fool.com/investing/2022/09/17/should-you-claim-social-security-early-to-invest/

https://www.thestreet.com/retirement-daily/planning-living-retirement/longevity-risk-the-new-retirement-planning-challenge-

https://www.kiplinger.com/retirement/when-is-the-right-time-to-file-for-social-security

https://www.kiplinger.com/retirement/reasons-to-claim-social-security-as-soon-as-you-retire

Plus, use the free PorfolioVisualizer to run your own tests!

https://www.portfoliovisualizer.com

Episode 122: Illustrating Spousal Benefits on Open Social Security

https://www.opensocialsecurity.com

Episode 123 has no links or spreadsheets.

Episode 124: Swapping I-Bonds for T-Bills and TIPS

https://eworkpaper.com/ibond

https://eyebonds.info/ibonds/home10000.html

https://docs.google.com/spreadsheets/d/1kPxYqe11i0kOdFEuQ3ggItVQcVC4Xvk-/edit#gid=1928911714

Episode 125: Is Early Retirement a Goal or a Risk?

https://creativeplanning.com/insights/retirement/retirement-earlier-expected/

https://www.fool.com/retirement/2023/08/28/3-scenarios-where-an-early-retirement-might-backfi/

https://www.investors.com/etfs-and-funds/retirement/forced-to-retire-early-what-to-do-now/

https://www.aarp.org/retirement/planning-for-retirement/info-2021/pre-early-retirement-reality-check.html

Episode 126: Dot's All, Folks!

https://www.itcmarkets.com/hawk-dove-cheat-sheet-2

https://www.reuters.com/graphics/USA-ECONOMY/FED/lgpdwawwzvo/

Episode 127: Should You Redeem an I-Bond Before the Government Shutdown?

https://www.wsj.com/politics/policy/what-happens-during-a-government-shutdown-4cc29885?st=gfx6jqsq9mgjrnb&reflink=desktopwebshare_permalink

https://www.brookings.edu/articles/what-is-a-government-shutdown-and-why-are-we-likely-to-have-another-one/

https://www.brookings.edu/articles/what-is-discretionary-spending-in-the-federal-budget/

https://crsreports.congress.gov/product/pdf/IN/IN12183

https://www.crfb.org/papers/government-shutdowns-qa-everything-you-should-know

https://www.pgpf.org/blog/2023/09/how-do-the-house-and-senate-appropriation-bills-differ

Episode 128: Where to Buy Your Treasuries, TreasuryDirect or a Broker?

https://www.bankrate.com/investing/time-to-sell-series-i-bonds/

https://www.investopedia.com/articles/bonds/08/treasuries-fed.asp

https://www.nerdwallet.com/article/investing/how-to-buy-treasury-bonds

https://www.aarp.org/money/investing/info-2022/how-to-buy-treasury-t-bills.html

https://www.kiplinger.com/personal-finance/savings/how-to-buy-treasury-bills

Episode 129: Medicare Part D Plans Are Changing for 2024

https://www.cms.gov/newsroom/fact-sheets/2024-medicare-parts-b-premiums-and-deductibles

https://www.cms.gov/newsroom/press-releases/medicare-advantage-and-medicare-prescription-drug-programs-remain-stable-2024

https://aspe.hhs.gov/sites/default/files/documents/93a68f3c5ca949dcf331aa0ec24dd046/aspe-part-d-oop.pdf

https://data.cms.gov/tools/medicare-enrollment-dashboard

https://www.kff.org/medicare/issue-brief/key-facts-about-medicare-part-d-enrollment-and-costs-in-2023/

https://www.kff.org/medicare/issue-brief/how-medicares-new-drug-price-negotiation-program-could-expand-access-to-selected-drugs/

https://www.kff.org/medicare/issue-brief/changes-to-medicare-part-d-in-2024-and-2025-under-the-inflation-reduction-act-and-how-enrollees-will-benefit/

Episode 130: How to Buy Treasuries with Buckets and Ladders

(see prior links for bucket strategy)

Episode 132: Medigap Plan G vs Plan N Two Years Later

https://csg-actuarial-wordpress.appspot.com/news/average-medicare-supplement-rate-increases-by-plan/?fbclid=IwAR1XvvisicnSd2quf8VYh36EF6ijCU2dtmBhHwzUUGN378INtd8SaMx7DC

https://www.kff.org/medicare/issue-brief/how-many-physicians-have-opted-out-of-the-medicare-program/#methods

https://crsreports.congress.gov/product/pdf/R/R47552

Episode 133: Year end Moves on I-Bonds and More!

Be sure to visit the entire I-Bonds Playlist, especially:

https://youtu.be/A0VCRlQevh8 (How to Redeem an I-Bond)

Also, find the one where I review the secret formula:

https://youtu.be/4E7Tn3L4JUU

Episode 134: How to Plan a Roth Conversion

See new playlist on Roth conversions with past videos on the subject: https://www.youtube.com/playlist?list=PLXKHy3kW_swj9uyZK2OQQ5CVo-1ZcrE3X

Shout out to @NewRetirement and to Glenn Reeves, and his excel1040.com spreadsheet:

https://sites.google.com/view/incometaxspreadsheet/home/download

Episode 135: More Ways to Plan Roth Conversions

https://www.fidelity.com/calculators-tools/roth-conversion-calculator/

https://www.schwab.com/ira/ira-calculators/roth-ira-conversion

https://www.calcxml.com/calculators/roth-ira-conversion-calculator?skn=#results

https://www.newretirement.com/retirement/roth-conversion-calculator/

Episode 136: How long "Yule" Wait for Fed Funds Cuts in the New Year

https://www.bea.gov

Episode 137: Withholding Judgment on Estimated Taxes

https://www.irs.gov/publications/p505#en_US_2022_publink1000194749

https://www.schwab.com/learn/story/managing-taxes-retirement

https://www.zinnerco.com/zinner-blog/pay-me-now-pay-me-later-should-you-pay-quarterly-estimates-or-utilize-tax-withholdings

https://www.experian.com/blogs/ask-experian/how-to-pay-quarterly-taxes/

https://www.investopedia.com/articles/tax/10/tax-withholding-benefits-criticisms.asp

https://www.nerdwallet.com/article/taxes/estimated-quarterly-taxes

https://financialsuccessmd.com/how-retirees-can-avoid-paying-quarterly-taxes-without-getting-penalized/

https://www.aarp.org/money/taxes/1040_tax_calculator.html

https://www.irs.gov/individuals/international-taxpayers/pensions-and-annuity-withholding

https://turbotax.intuit.com/tax-tips/self-employment-taxes/myths-about-quarterly-taxes-for-the-1099-tax-form/L46qZt376#GoTo-What-are-quarterly-estimated-taxes-

https://www.kiplinger.com/retirement/604493/estimated-payments-or-withholding-in-retirement-heres-some-guidance

https://www.irs.gov/help/ita/am-i-required-to-make-estimated-tax-payments

https://www.irs.gov/pub/irs-pdf/p4190.pdf

Episode 139: Updating 2023's Top Topics: I-Bonds, Waiting for 70 and NewRetirement

See links for videos mentioned above.

Episode 140: The WRONG Way to Think About Social Security!

https://www.youtube.com/watch?v=2soI7LdueII&t=109s

https://www.longevityillustrator.org/Profile

https://www.marketwatch.com/story/one-secret-to-retirement-readiness-may-be-knowing-this-simple-fact-2bbd34fb

https://www.tiaa.org/public/institute/about/news/vast-majority-of-adults-know-little-about-how-long-people-tend-to-live-in-retirement?mod=article_inline

https://transamericainstitute.org/docs/default-source/research/life-in-retirement-preretirees-expectations-retiree-realities-report-september-2023.pdf

https://www.fool.com/research/average-retirement-age/

https://www.fool.com/investing/2024/01/13/51-of-americans-retire-at-age-61-or-earlier-these/

https://youtu.be/QA2yhEdyaHE

Episode 141: Taxes are Due on those I-Bonds!

https://www.treasurydirect.gov/indiv/tools-videos/treasurydirect-1099/

Episode 142: Escaping the Annuity Maze!

https://www.kiplinger.com/retirement/non-qualified-annuities-should-retirees-think-twice

https://www.thinkadvisor.com/2023/04/19/annuities-and-taxes-what-advisors-need-to-know/

https://www.annuity.org/annuities/taxation/

https://finance.yahoo.com/news/owe-taxes-non-qualified-annuities-140046185.html

Episode 143: Tracking Treasuries in My Portfolio by Buckets

See my prior playlist on Spreadsheets, Anyone for more detail on the design.

https://youtu.be/2cQikTzkWFI?si=N1kyhCGWn7_geYKR

And you can find the basic portfolio by buckets spreadsheet as a free download on my Google Site:

https://docs.google.com/spreadsheets/d/17jdJIsubOexb7wQyRhNqW0hWOOs4vspZbs_J-fqohUQ/edit#gid=1380786305

Episode 144: Don't Believe Everything You Read on the Internet!

https://finance.yahoo.com/news/17-americans-retired-early-thanks-230025202.html

https://www.transamericainstitute.org/research/all-research

https://www.transamericainstitute.org/research/retirees

https://transamericainstitute.org/docs/default-source/research/life-in-retirement-preretirees-expectations-retiree-realities-report-september-2023.pdf

Episode 145: More than 30 Reliable Sources for My DIY Retirement

https://www.bogleheads.org/forum/

https://www.bogleheads.org/wiki/Main_Page

https://www.youtube.com/@bogleheads3687

https://twitter.com/bogleheads/

https://www.youtube.com/@HeritageWealthPlanning

https://www.youtube.com/@HolySchmidt

https://www.youtube.com/@RootFP

https://www.facebook.com/groups/retirementplanningeducation

https://www.youtube.com/@RetirementPlanningEducation

https://www.youtube.com/@rob_berger

https://www.youtube.com/@Pensioncraft

https://www.youtube.com/@retirewithstylepodcast

https://www.youtube.com/@retirementanswerman

https://www.youtube.com/@BoomerBenefits

https://www.youtube.com/@MedigapSeminars

https://www.youtube.com/@DevinCarroll

https://www.facebook.com/groups/428684237572614/

https://www.youtube.com/@DiamondNestEgg

https://www.youtube.com/@joekuhnlovesretirement

https://www.youtube.com/@retirementcorner

https://www.youtube.com/@retirearly500k59

https://twitter.com/TCRStudies

https://twitter.com/TI_insights

https://twitter.com/RetirementRsrch

https://twitter.com/ErnRetireNow

https://twitter.com/MeasureTwiceMNY

https://twitter.com/JonLuskin

https://twitter.com/TipsWatch

https://twitter.com/ClementsMoney

https://twitter.com/TheFinanceBuff

https://twitter.com/KenTumin

https://twitter.com/MichaelKitces

https://www.kitces.com/

https://obliviousinvestor.com/

Plus, don’t let me forget:

https://www.theretirementmanifesto.com/

Fritz Gilbert is a pioneer in DIY retirement!

And sign up for Morningstar’s free emails, featuring Christine Benz and John Rekenthaler

Episode 148: I Don't Have an Emergency Fund!

https://www.investopedia.com/a-record-number-of-vanguard-savers-tapped-401ks-for-emergency-funds-in-2023-8607631

https://www.wsj.com/personal-finance/retirement/more-americans-are-treating-their-401-k-s-like-cash-machines-deaa3f8f?st=bx49deiz7p9qch4&reflink=desktopwebshare_permalink

https://www.washingtontimes.com/news/2024/mar/11/bidenomics-more-americans-tap-into-401k-funds-amid/?utm_source=X&utm_medium=social&utm_campaign=ad&utm_content=graphic&twclid=2-5huif0ckl9musqlzo1us1uy6g

https://www.shrm.org/topics-tools/news/benefits-compensation/secure-act-retirement-savings

https://www.mercer.com/content/dam/mercer-dotcom/migrated-assets/blogs/law-and-policy/2023/03/gl-2023-users-guide-to-secure-2-0.pdf#page=11

Episode 149: The Four Widows

https://www.opensocialsecurity.com

https://www.wepik.com/ai

Episode 151: Five Rules of Thumb I Don't Use in my DIY Retirement

Links for rules of thumb:

https://allthatsinteresting.com/rule-of-thumb-origin

https://idiomation.wordpress.com/2021/10/16/rule-of-thumb/

https://nypost.com/2024/04/02/lifestyle/i-had-a-handy-idea-to-help-me-measure-things-tattoo-of-a-ruler-on-my-finger/

https://www.advisorperspectives.com/articles/2023/10/09/bill-bengen-monitor-adjust-withdrawal-plans

https://www.morningstar.com/retirement/morningstars-retirement-income-research-reevaluating-4-withdrawal-rule

https://www.modwm.com/retirement-rules-of-thumb-lets-bust-them/

https://money.usnews.com/money/retirement/articles/is-a-60-40-portfolio-appropriate-for-retirees

https://www.wsj.com/personal-finance/retirement/retirement-savings-needed-increased-2024-9f7c01e0?st=4gc2ruo37a8gfkr&reflink=desktopwebshare_permalink

https://news.northwesternmutual.com/2024-04-02-Americans-Believe-They-Will-Need-1-46-Million-to-Retire-Comfortably-According-to-Northwestern-Mutual-2024-Planning-Progress-Study

https://filecache.mediaroom.com/mr5mr_nwmutual/179070/2024 PP Wave II Data Deck_ Work Retirement.pdf

https://www.federalreserve.gov/publications/files/scf23.pdf

Episode 152: The Return of I-Bonds!

https://www.tipswatch.com

https://eyebonds.info

Episode 153: Where to Stash Cash for 5 Years?

https://tipswatch.com/

http://eyebonds.info/tips/index.html

https://www.investopedia.com/ask/answers/021815/how-do-i-calculate-yield-inflation-adjusted-bond.asp

https://www.finra.org/investors/insights/bond-yield-return

https://www.bogleheads.org/forum/viewtopic.php?t=415100

https://www.investopedia.com/ask/answers/033115/what-are-differences-between-treasury-bond-and-treasury-note-and-treasury-bill-tbill.asp#toc-treasury-bonds

https://www.kiplinger.com/investing/bonds/tips-vs-i-bonds

https://www.treasurydirect.gov/auctions/announcements-data-results/tips-cpi-data/

Episode 154: 3 Reasons to buy I Bonds Now!

www.treasurydirect.gov

www.bea.gov

Episode 155: Do I Have Enough?

https://www.portfoliovisualizer.com/monte-carlo-simulation

https://obliviousinvestor.com/whats-your-funded-ratio/

https://www.fa-mag.com/news/using-tips-to-reveal-a-retirement-plan-s-funded-ratio-73360.html

https://retirementresearcher.com/understanding-funded-ratio/

https://www.nerdwallet.com/article/investing/social-security/how-long-will-your-retirement-savings-last

https://www.mutualofomaha.com/calculator/how-long-will-my-money-last

https://www.advisorperspectives.com/articles/2023/10/09/bill-bengen-monitor-adjust-withdrawal-plans

Episode 156: Social Security: Answering the Thorny Questions

https://opensocialsecurity.com

https://www.newretirement.com

https://finance.yahoo.com/news/spousal-social-security-benefits-3-100000961.html

https://www.fool.com/retirement/2024/05/04/should-you-take-social-security-at-age-62-67-or-70/

Episode 157: Fiduciary Rule? DIY!

https://www.dol.gov/newsroom/releases/ebsa/ebsa20240423

https://www.kitces.com/blog/department-of-labor-dol-retirement-security-rule-final-rule-erisa-prohibited-transaction-exemptions-pte

https://www.shrm.org/topics-tools/news/benefits-compensation/dol-final-fiduciary-rule-april-2024

https://www.shrm.org/in/topics-tools/news/benefits-compensation/fiduciary-rule-challenged-by-insurance-group

https://thehill.com/homenews/senate/4665743-manchin-gop-senators-move-to-overturn-retirement-investment-planning-rule/

Episode 158: How Many Buckets Do You Need for Retirement?

https://www.morningstar.com/retirement/do-you-need-more-than-3-buckets

https://www.newretirement.com/retirement/retirement-bucket-strategy-right-for-you/

Remember, my Googles Site: https://sites.google.com/view/iwasretired (see latest version)

Episode 159: Clearing up Some Questions about Medigap Plan N

https://nabip.org/membership-resources/medicare-portal/compliance

https://nabip.org/media/7646/plan-n.pdf

https://nabip.org/media/7645/plan_n_guidance2-1.pdf

https://csg-actuarial-wordpress.appspot.com/news/2023-medicare-supplement-loss-ratios-by-plan/

https://www.telosactuarial.com/blog/med-supp-rate-actions-2024-q1

Episode 160: How I was Retired at 59!

https://awealthofcommonsense.com/2024/05/when-life-forces-your-hand/

https://am.jpmorgan.com/us/en/asset-management/adv/insights/retirement-insights/guide-to-retirement/

https://www.theretirementmanifesto.com/2024-retirement-charts/

https://www.aol.com/finance/economist-rejects-blackrock-ceo-larry-104500798.html

https://www.blackrock.com/corporate/investor-relations/larry-fink-annual-chairmans-letter

https://www.fool.com/retirement/2024/04/03/blackrock-ceo-larry-fink-says-65-is-too-early-for/

https://www.cnbc.com/2024/03/26/blackrocks-larry-fink-sees-social-security-crisis-says-65-retirement-age-a-bit-crazy.html

Episode 161: Dot's Crazy!

https://www.reuters.com/graphics/USA-ECONOMY/FED/lgpdwawwzvo/

https://www.bankrate.com/banking/federal-reserve/fed-interest-rate-decision-biggest-winners/

https://www.itcmarkets.com/hawk-dove-cheat-sheet-2

https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html

https://www.wsj.com/articles/what-the-feddoesnt-communicate-07df4bc9?st=moq0nfhgmoaabir&reflink=desktopwebshare_permalink

Episode 162: 3 Things I Got Right in My DIY Retirement!

https://www.financial-planning.com/news/more-rias-using-retainer-flat-fees-over-aum-charges?utm_campaign=editorial-content&utm_medium=organic&utm_source=twitter

https://www.toledoblade.com/business/personal-finance/2024/07/03/financial-planner-educates-warns-fees-michael-arvay-marvelous-retirement-maumee/stories/20240627103

https://www.newretirement.com/retirement/fees-and-expenses-on-mutual-funds-and-etfs-a-complete-guide-to-the-often-misunderstood-and-hidden-costs-of-investments/

Also, see my latest video on the subject: https://youtu.be/IouGvSwdTuc

https://www.fool.com/retirement/2024/05/04/should-you-take-social-security-at-age-62-67-or-70/

https://www.marketwatch.com/story/your-social-security-math-may-be-wrong-and-it-could-cost-you-a-lot-of-money-894c395b

Also, see my latest video on the subject: https://youtu.be/oaADDhhsIQs

https://www.thenation.com/article/society/medicare-advantage-privatization-inequity-fraud/

https://help.newretirement.com/en/articles/4789305-medicare-assumptions-and-estimates

https://www.spotlightpa.org/news/2024/06/pennsylvania-medicare-advantage-explainer-comparison-tradeoffs/

Also, see my latest video on the subject: https://youtu.be/5eKS_AO3Dp0

And this older video on Medicare Advantage:

https://youtu.be/P1axTONRpcU

And check out NewRetirement at:

https://www.newretirement.com

Episode 163: 3 Tasks NewRetirement Does Well and 1 it Won't Do!

https://www.newretirement.com/

https://www.newretirement.com/retirement/roth-conversion-calculator/

Reviews by others:

https://robberger.com/decoding-the-chance-of-success-in-your-retirement-plan/

https://www.danielsilver.com/best-retirement-calculator

https://www.caniretireyet.com/plannerplus-retirement-calculator-review/

https://wellkeptwallet.com/newretirement-review/

https://www.whitecoatinvestor.com/newretirement-review-online-retirement-calculator/

https://www.reddit.com/r/NewRetirement/comments/1auc339/nr_vs_moneyguide_pro/

My DIY approach:

https://youtube.com/playlist?list=PLXKHy3kW_swiiUayk6E7Y76O40NjQiw3V&si=uMUfaAs5nivZANT4.

Episode 164: Random Walk on Random Thoughts

https://www.morningstar.com/personal-finance/3-cognitive-biases-avoid-when-preparing-2024-election

https://www.morningstar.com/financial-advisors/oil-water-how-invest-during-an-election-year

https://www.wsj.com/economy/central-banking/why-the-fed-should-cut-rates-nownot-wait-until-september-806b8ddf

https://www.wsj.com/economy/central-banking/top-official-suggests-fed-is-closerbut-not-yet-readyto-cut-29eacbcc

https://www.fool.com/retirement/2024/07/15/retirees-are-returning-to-work-after-the-latest-so/

https://www.pewresearch.org/social-trends/2023/12/14/older-workers-are-growing-in-number-and-earning-higher-wages/

Episode 165: 3 Flaws in my DIY Retirement Withdrawal Strategy Spreadsheet!

https://www.newretirement.com/

Episode 166: Recession, wit!

https://www.hudsonbaycapital.com/documents/FG/hudsonbay/research/635102_Activist_Treasury_Issuance_-_Hudson_Bay_Capital_Research.pdf

https://www.axios.com/newsletters/axios-markets-3e47a650-5119-11ef-af91-cb87052b972a.html

https://nypost.com/2024/08/05/business/calls-grow-for-emergency-interest-rate-cut-by-fed/

Episode 167: Can You Trust the Tools Your Retirement Plan Provides?

https://www.plansponsor.com/tiaa-morningstar-sued-over-retirement-advice-tool/

https://www.financial-planning.com/news/tiaa-morningstar-lawsuit-alleges-costly-annuity-abuses

https://www.wsj.com/personal-finance/retirement/the-insurance-industry-is-winning-a-fight-to-kill-new-protections-for-retirement-savers-54030e41?st=0n2y9hpbhbuedw9&reflink=desktopwebshare_permalink

https://en.wikipedia.org/wiki/Sabre_(travel_reservation_system)

Episode 168: Will Medicare Part D Price Controls Work?

See Links

https://www.wsj.com/health/pharma/medicare-prescription-drugs-lower-prices

https://www.wsj.com/health/pharma/medicares-drug-price-talks-are-about-to-get-more-heated-5d6e5f6f

https://apnews.com/article/biden-drug-prices-medicare-prescriptions-34886d6f362c242be268c05d5efd5411

https://thehill.com/policy/healthcare/4830392-medicare-drug-price-negotiations-takeaways/

https://www.hhs.gov/about/news/2024/08/15/historic-first-biden-harris-administration-successfully-negotiates-medicare-drug-prices-delivers-promise-lower-prescription-drug-costs-american-seniors.html

https://www.cms.gov/files/document/fact-sheet-negotiated-prices-initial-price-applicability-year-2026.pdf

https://www.cms.gov/files/document/infographic-negotiated-prices-maximum-fair-prices.pdf

https://www.kff.org/medicare/issue-brief/key-facts-about-medicare-part-d-enrollment-and-costs-in-2023/

https://www.cms.gov/newsroom/fact-sheets/cms-releases-2025-medicare-part-d-bid-information-and-announces-premium-stabilization-demonstration

https://www.kff.org/medicare/issue-brief/what-to-know-about-medicare-part-d-premiums/

https://www.politico.com/news/2024/08/13/biden-adiminstration-medicare-drug-premiums-spike-00173308

https://thefederalist.com/2024/08/12/medicare-agency-just-gave-kamala-harris-an-in-kind-contribution-with-your-tax-dollars/

https://www.americanactionforum.org/weekly-checkup/the-part-d-redesign-a-tragedy-in-three-acts/

Episode 169: Getting Reading for Medicare in 2025

@ChristopherWestfall has a site devoted to Plan N Medigap insurance:

https://plannmedicare.org

and his full site is here:

https://seniorsavingsnetwork.org

Now, I bought my Plan N through @BoomerBenefits, another broker with a good YouTube channel.

https://boomerbenefits.com

Episode 170: Medicare Shopping? Ignore the TV Ads

https://www.markfarrah.com/mfa-briefs/medicare-supplement-enrollment-down-slightly-in-2023/

https://www.telosactuarial.com/blog/med-supp-broker-sales-mix-2024-q2-review

https://www.valuepenguin.com/how-choose-medigap-health-policy

https://medicaresupp.org/

https://www.medicarefaq.com/faqs/medigap-birthday-rule/

Episode 171: 4 Big Changes for Medicare & You in 2025

Check out the handbook here:

https://www.medicare.gov/medicare-and-you

Here are more links to share:

https://boomerbenefits.com/medicare-part-d-plans/medicare-donut-hole-2024/

https://www.kff.org/medicare/issue-brief/what-to-know-about-medicare-part-d-premiums/

https://aspe.hhs.gov/sites/default/files/documents/1b652899fb99dd7e6e0edebbcc917cc8/aspe-part-d-oop.pdf

https://www.cms.gov/files/document/lower-out-pocket-drug-costs-2024-and-2025-article.pdf

https://www.kff.org/medicare/issue-brief/key-facts-about-medicare-part-d-enrollment-premiums-and-cost-sharing-in-2024/

https://www.mintz.com/insights-center/viewpoints/2146/2024-05-15-house-committee-proposes-extend-medicare-telehealth

https://aspe.hhs.gov/sites/default/files/documents/cb83f6f25c25c3a3529807f23cd2327d/medicare-telehealth-updated-trends-report.pdf

https://www.aarp.org/content/dam/aarp/ppi/topics/health/prescription-drugs/new-medicare-part-d-out-of-pocket-spending-cap-important-improvement-for-enrollees-facing-high-prescription-drug-costs.doi.10.26419-2fppi.00335.001.pdf

Episode 172: 3 To Do s for Medicare after ANOC at the Door!

https://www.kff.org/medicare/issue-brief/a-relatively-small-share-of-medicare-beneficiaries-compared-plans-during-a-recent-open-enrollment-period/

https://www.thestreet.com/retirement-daily/social-security-medicare/2025-medicare-changes-read-your-annual-notice

Last year’s video on plan finder on my channel:

https://youtu.be/hBH-GwbCvuE?si=VmzyMRw37OmaGgRe

Episode 173: 2025 Part D Premiums Up or Down?

https://www.wsj.com/health/pharma/higher-drug-costs-mail-order-prescription-bf37886f

https://www.wsj.com/opinion/cms-medicare-part-d-premiums-subsidies-insurers-biden-administration-ebb0daa5?mod=latest_headlines

https://finance.yahoo.com/news/us-medicare-says-part-d-204943142.html

Episode 174: Avoid this $1,000 Mistake with Part D!

https://www.kff.org/medicare/issue-brief/a-current-snapshot-of-the-medicare-part-d-prescription-drug-benefit/

https://www.kff.org/policy-watch/medicare-part-d-premiums-are-increasing-for-many-but-not-all-stand-alone-plans-in-2025-reflecting-effects-of-new-premium-stabilization-demonstration/

Episode 175: Don't Make this Part D Mistake!

See links above for Medicare Plan Finder and look at your own plan's formulary!

Episode 176: 3 Keys to My DIY Retirement

Here are 3 keys to my DIY Retirement, which I've described in other videos:

1) Say No to AUM!

Check out this video:

https://youtu.be/CMr39eh4sEM?si=7Q61igU6l1tig_fJ

2) I'm waiting for 70 for Social Security

Check out this video:

https://youtu.be/II8lv2WuBCE?si=FDGPTb91UqXBoLYk

3) A 3-Bucket Portfolio

Check out this video:

https://youtu.be/6_4EqhjDBaI?si=RPrw5oBSqFCwYWnV

Also, be sure to visit my Google Site for the latest version of my portfolio by buckets spreadsheet. It's free:

https://bit.ly/3YiFpKp

Episode 177: How to Reduce the Tax Bite with Roth Conversions

I did a similar analogy a few years ago in this video:

https://youtu.be/-MId-DD9z8Q?si=C_-fhkbc5jpGjmQk

And you'll find my own spreadsheets and online tools I've used to think about Roth conversions in these past videos:

https://youtu.be/XQ6Day1Il20?si=csqmS7nY-Csfw9fv

https://youtu.be/brOUbUdwZ-I?si=twvx_xi7IqpIi_Mf

Episode 178: 3 Scenarios for 2024 Roth Conversions

https://www.boldin.com/retirement/roth-conversion-calculator/

Episode 179: Changing My 2024 Roth Conversion Plans

https://www.wsj.com/personal-finance/taxes/for-retirees-in-their-60s-the-move-that-adds-years-to-a-nest-egg-199e467e?st=q2FF5K&reflink=desktopwebshare_permalink

Episode 180: How Medicare and ACA Costs Add Up in 2025

Check out the original video here:

https://youtu.be/GRLgcxTEKs4

And here are a few more links to share:

https://csg-actuarial-wordpress.appspot.com/news/medicare-supplement-broker-sales-mix-2024-q3-review/

https://www.telosactuarial.com/blog/med-supp-rate-actions-2024-q3

Episode 181: Boldin is Better - except for the name

https://youtu.be/EQYxiRc2K9I

https://youtu.be/6jOV3eoYNe4

https://youtu.be/Cna__CJYeNM

https://youtu.be/wRwb8HHiHk8

Well, now it is called Boldin, as outlined on this page:

https://www.boldin.com/retirement/newretirement-is-now-boldin/

Some additional links:

https://www.boldin.com/retirement/newretirement-vs-best-retirement-planning/

https://www.financialsamurai.com/boldin-financial-planner-review/

Episode 182: Boldin Inflation Factors I Use

https://help.boldin.com/en/articles/9615105-general-inflation-rates-and-social-security

https://www.boldin.com/retirement/how-to-plan-for-inflation-in-your-long-term-financial-projections/

https://www.federalreserve.gov/monetarypolicy/fomccalendars.htm

https://fred.stlouisfed.org/seriesBeta/CPIAUCSL#0

https://inflationdata.com/Inflation/Inflation/DecadeInflation.asp

https://www.jpmorgan.com/insights/outlook/economic-outlook/fed-meeting-june-2024

https://www.jpmorgan.com/insights/outlook/economic-outlook/fed-meeting-december-2024

Episode 183: My Annual Porfolio Review for 2025

https://youtu.be/AJUhZKqUkZU

https://youtu.be/UybX9ke6XUw?si=7N5qdQMn6kktnDCt

https://youtube.com/playlist?list=PLXKHy3kW_swgodl1KeN89ZFIV4-_zuAKK&si=Emrto2DuCL0nk7jU

Episode 184: A Rising Equity Allocation in Retirement?

https://www.quicken.com

Episode 185: Simplify a DIY Retirement Portfolio

https://www.etfrc.com/funds/overlap.php

https://www.bogleheads.org/wiki/Approximating_total_stock_market

https://www.fool.com/investing/how-to-invest/etfs/how-to-invest-in-vanguard-total-stock-market-etf-vti/

https://www.bogleheads.org/forum/viewtopic.php?t=446277

https://www.investopedia.com/articles/investing/122315/vti-vanguard-total-stock-market-etf.asp

https://investor.vanguard.com/investment-products/etfs/profile/vti

https://www.morningstar.com/etfs/xmex/vti/portfolio

https://institutional.vanguard.com/investments/product-details/fund/0970

Episode 186: Index Investing for a DIY Retiree

https://www.morningstar.com/funds/how-choose-an-index-fund

https://www.morningstar.com/funds/best-index-funds

https://corporate.vanguard.com/content/corporatesite/us/en/corp/who-we-are/sets-us-apart/our-history.html

https://www.morningstar.com/business/insights/blog/funds/active-vs-passive-investing

https://www.ici.org/news-release/24-news-expense-ratio-decline

https://www.financial-planning.com/news/dimensional-fund-advisors-studies-index-funds-costs

https://www.fool.com/investing/stock-market/market-sectors/healthcare/marijuana-stocks/marijuana-etf/

https://www.etfrc.com

Episode 187: Grok, Should I Still Wait for 70?

https://x.com/i/grok

Episode 188: Grok, Update My 3-Bucket Portfolio!

https://x.com/i/grok

Episode 189: Boldin Beta Rates a Look

https://help.boldin.com/en/articles/10471996-how-do-i-opt-in-to-boldin-s-beta-testing-program

https://help.boldin.com/en/articles/10624694-beta-testing-program-entering-inflation-appreciation-and-rates

https://corporate.vanguard.com/content/corporatesite/us/en/corp/vemo/vemo-return-forecasts.html

Episode 190: My 3-Bucket Portfolio is Better!

https://www.morningstar.com/portfolios/bucket-approach-building-retirement-portfolio

Plus see my new Spreadsheet for 2025

Episode 191: Top 6 Expenses in Retirement

https://youtu.be/IsihQxmLLAs (Be sure to see this next video for math fixes

Episode 192: Oops! Top 6 Expenses Fixed

(also shared new spreadsheet with personal inflation calculator)

https://sites.google.com/view/iwasretired/resources/spreadsheets

Episode 193: 3 Good & Bad Market Moves

See Roth Conversion Playlist: https://www.youtube.com/playlist?list=PLXKHy3kW_swj9uyZK2OQQ5CVo-1ZcrE3X

Episode 194: Does Diversification Really Matter?

https://www.morningstar.com/portfolios/portfolio-diversification-answers-your-questions

https://www.morningstar.com/portfolios/diversification-stocks-cash-has-made-good-case-itself utm_source=Twitter&utm_medium=social&utm_campaign=Morningstar.com_Content

https://www.morningstar.com/portfolios/morningstars-guide-diversification

Episode 195: What the 1B3 Does to DIY Retirees' Taxes?

https://www.wsj.com/personal-finance/taxes/republican-tax-bill-salt-deduction-cap-f69b1580?st=8fjGSd&reflink=desktopwebshare_permalink

https://www.kitces.com/blog/republican-proposed-tax-bill-2025-tax-cuts-and-jobs-act-tcja-sunset-salt-deduction-cap-child-tax-credit-qbi-deduction-maga/

https://help.boldin.com/en/articles/6340910-modeling-the-tax-cuts-and-jobs-act-of-2017

Episode 196: How One Big Beautiful Bill's Standard and Bonus Deductions Add Up for Retirees

https://www.wsj.com/personal-finance/taxes/trump-tax-bill-social-security-senior-deduction-bd8ee395?st=9BQfsJ&reflink=desktopwebshare_permalink

https://www.irs.gov/help/ita/are-my-social-security-or-railroad-retirement-tier-i-benefits-taxable

https://www.kff.org/tracking-the-medicaid-provisions-in-the-2025-budget-bill/

Episode 197: Inflation Expectations? How Inflation Shapes My DIY Retirement

https://tipswatch.com/2025/06/14/coming-tuesday-reopening-auction-of-a-5-year-tips/

https://www.sca.isr.umich.edu/

https://www.newyorkfed.org/microeconomics/sce

Episode 198: Social Security Update: Are Retirees Filing in Fear?

https://www.boldin.com/retirement/social-security-faces-most-urgent-forecast-yet-should-you-expect-a-reduction-in-benefits-claim-early/

https://www.npr.org/2025/06/18/nx-s1-5436828/social-security-benefits-cut-congress

https://finance.yahoo.com/news/more-americans-are-claiming-social-security-early-heres-why-090035693.html

https://www.npr.org/2025/06/12/nx-s1-5401054/trump-social-security-claims

https://www.urban.org/urban-wire/more-americans-are-filing-retirement-benefits-earlier-their-long-term-retirement

https://x.com/i/grok/share/0j2JJbX09HN48iorHzODsm57e

Episode 199: VTIP, TIPS, or I Bonds?

https://my.morningstar.com/my/news/155985/how-much-inflation-protection-do-you-need.aspx

https://www.schwab.com/learn/story/tips-and-inflation-what-to-know-now

https://www.morningstar.com/funds/ladder-up-investors-should-reconsider-how-they-use-tips-funds

https://tipswatch.com/2025/06/17/5-year-tips-reopening-auction-gets-real-yield-of-1-650-to-good-demand/

https://finance.yahoo.com/quote/VTIP/history/

https://www.treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-rates/

https://investor.vanguard.com/etf/profile/VTIP

https://sites.google.com/view/iwasretired/resources/spreadsheets

Episode 200: 4 Major Tax Changes for Seniors

https://turbotax.intuit.com/tax-tips/general/taxes-2021-7-upcoming-tax-law-changes/L3xFucBvV

https://thefinancebuff.com/social-security-taxed-2025-trump-tax-law.html

https://www.wsj.com/personal-finance/taxes/trump-megabill-taxes-parents-seniors-86017a87?st=6Gd4Lp&reflink=desktopwebshare_permalink

https://tipswatch.com/2025/07/05/no-tax-on-social-security-benefits-not-quite-true/

Episode 201: Is Boldin Broken? Fix your plan for '25

https://help.boldin.com/en/articles/11708904-faq-on-monte-carlo-updates

https://www.reddit.com/r/Boldin/comments/1lqb7dd/sudden_change_in_chance_of_success/

https://www.reddit.com/r/Boldin/comments/1lul0gn/boldin_monte_carlo_calculation_improvement/

https://www.boldin.com/retirement/financial-optimism-pessimism/

Rob Berger’s Live Q&A began with discussion of Boldin’s Monte Carlo issue

https://www.youtube.com/live/Rt6qKPfM6lg?si=Esr31GpUZmBhgSlc

Episode 202: A FI State of Mind!

WSJ articles on forced early retirement:

https://www.wsj.com/personal-finance/retirement/heres-what-a-late-career-layoff-looks-like-in-america-in-5-charts-63f5c809?st=zRHW6A&reflink=desktopwebshare_permalink

https://www.wsj.com/personal-finance/retirement/early-retirement-layoff-america-77c94667?st=tchpp6&reflink=desktopwebshare_permalink

Ben Carlson blog with Warren Buffet story:

https://awealthofcommonsense.com/2025/07/the-ovarian-lottery/

Advice for Gen Xers from a Boomer

https://youtu.be/TRiEvyCsNso

Episode 203: Building Inflation in 2025?

https://nypost.com/2025/07/26/business/trump-is-right-to-want-to-powell-out-at-the-federal-reserve-but-not-just-because-of-interest-rates/

https://ca.news.yahoo.com/trumps-body-language-during-awkward-231428531.html

https://www.wsj.com/opinion/interest-rates-fomc-federal-reserve-jerome-powell-ten-year-treasury-b899ac3b?st=xRKyzU&reflink=desktopwebshare_permalink

https://www.wsj.com/economy/central-banking/a-divided-fed-eyes-future-rate-cuts-but-wont-move-this-week-c8769446?st=ZxGQgj&reflink=desktopwebshare_permalink

https://nypost.com/2025/08/01/business/trump-urges-fed-board-to-assume-control-if-jerome-powell-doesnt-slash-rates-soon

https://www.reuters.com/business/finance/feds-policy-toolkit-may-be-headed-fundamental-changes-2025-07-29/

https://www.cnet.com/personal-finance/mortgages/how-the-federal-reserve-actually-impacts-mortgage-rates/

https://www.stlouisfed.org/on-the-economy/2014/september/a-history-of-fomc-dissents

https://www.reuters.com/world/us/fed-policy-decision-generates-most-governor-dissents-since-1993-2025-07-30/

https://www.aol.com/finance/recession-proof-retirement-195114581.html

https://www.kiplinger.com/retirement/happy-retirement/beat-inflation-smart-strategies-to-protect-your-retirement

https://www.sca.isr.umich.edu/

https://www.newyorkfed.org/microeconomics/sce

Episode 204: Caution: Rising Health Costs Ahead!

https://www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in 2026/

https://www.healthcaredive.com/news/medicare-part-d-plan-premiums-increase-2026-cms/756211/

https://www.healthcaredive.com/news/medicare-advantage-contraction-health-insurer-q2-2025/756807/

https://csg-actuarial-wordpress.appspot.com/news/medicare-supplement-rate-increases-continue-trending-higher-in-2025/

https://www.telosactuarial.com/blog/2025-q3-medsupp-rate-actions

https://www.kff.org/medicare/issue-brief/medicare-advantage-enrollment-update-and-key-trends/

https://www.kiplinger.com/retirement/medicare/plan-for-higher-health-care-costs-in-2026-projected-medicare-part-b-and-part-d-premiums

https://crr.bc.edu/medicare-finances-a-perspective-on-the-2025-trustees-report/

https://www.morningstar.com/news/marketwatch/20250715108/medicare-part-b-premium-hike-could-wipe-out-some-recipients-social-security-increases

https://socialsecurityreport.org/medicare-part-b-and-the-hold-harmless-rule/

https://www.thestreet.com/retirement/retired-workers-to-see-shocking-change-to-medicare-in-2026

Episode 205: Roth or Not

https://www.boldin.com/

https://sites.google.com/view/iwasretired/spreadsheets

- Recent Articles on Roth Conversions After OBBBA:

- https://www.kiplinger.com/retirement/roth-conversions-2025-obbba-impact

- https://www.forbes.com/sites/roth-conversions-senior-bonus-deduction

Prior Video on Boldin: https://youtu.be/4AGjeaZjzAY-

Prior Video on Senior Bonus Deduction: https://youtu.be/GjQphSWiRKU-

Follow me on X (Twitter): https://x.com/IWasRetired

Grok AI by xAI: https://grok.x.ai/

Episode 206: Brouhaha at the Fed

https://www.brookings.edu/articles/who-has-to-leave-the-federal-reserve-next-2/

https://administrativestate.gmu.edu/wp-content/uploads/2020/11/Conti-Brown-the-Problem-of-Federal-Reserve-Governance.pdf

https://www.congress.gov/crs-product/R48233

https://thehill.com/homenews/5471841-trump-fires-fed-board-member/

https://www.axios.com/2025/08/26/lisa-cook-federal-reserve-trump

https://www.wsj.com/politics/policy/judge-weighs-fed-governor-lisa-cooks-bid-to-stop-trump-from-firing-her-95c6a733?st=eQq4Vh&reflink=desktopwebshare_permalink

Check out my Fed Playlist for more: https://www.youtube.com/playlist?list=PLXKHy3kW_swgNAdzQpPcBCzWXQpx1l3Xz

Please be sure to let me know of any broken links and I'll try to repair them.

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