The Dave Ramsey 10% Withdrawal Rate | Live Q&A

We'll begin discussing Dave Ramsey's view of a safe withdrawal rate in retirement. Then I'll cover your questions.

Join the newsletter: https://robberger.com/newsletter/?utm_source=Rob+Berger&utm_medium=ATF+Link&utm_campaign=Newsletter&utm_id=YouTube

————————————
Timestamps
————————————
0:00 - Welcome to the Financial Freedom Show!
0:39 - Dave Ramsey 8% Withdrawal Rate Disaster
13:02 - Dow Jones
16:56 - Tag me in the chat
17:15 - Is 9% too much?
20:47 - M1 Finance or Betterment
23:16 - VPAIX
26:14 - Stop investing in HSA
31:08 - VDIGX vs VIG
35:48 - SaveBetter No-Penalty CD vs 14 weeks TBill
39:14 - PRWCX
43:32 - 1968
44:24 - Creating a taxable account portfolio
48:34 - 10 Year Treasury bonds
52:09 - Municipal bonds
53:46 - Fidelity and Vanguard
56:43 - Safety and returns
59:05 - Converting pre-tax 401K to Roth during a down market
1:01:10 - 65/35 split using MYGA
1:04:50 - Savings in a variable annuity
1:06:05 - 400,000 shares of Apple
1:07:20 - Tool for managing early retirement
1:09:48 - 5% cap
1:11:21 - 7/12 portfolio by Craig Israelson
1:13:44 - New Retirement
1:14:49 - 30% marginal tax
1:16:54 - Contributing a portion of your 401K to a Roth IRA
1:17:29 - SCHD/VTI
1:20:29 - Receiving an inheritance
1:22:36 - Shout out to Noreen/Spam comments
1:24:39 - Vanguard's Life Strategy fund
1:26:01 - Financial books
1:27:09 - SPY etf or Berkshire Hathaway
1:27:35 - 1/3 each of large, mid, and small cap index funds
1:30:25 - 10%
1:30:53 - Browns or Bengals?
1:32:44 - Financial Freedom

————————————
Investing Tools
————————————

My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B
Personal Capital (Investment Tracking, Retirement Planning): https://robberger.com/go/personal-capital/yt-
New Retirement (Retirement Planner): https://robberger.com/go/new-retirement/yt-
Stock Rover: https://robberger.com/go/stock-rover/yt-
M1 Finance $30 Bonus (IRA & Taxable Accounts): https://robberger.com/go/m1finance-bonus/yt-

————————————
Credit Cards & Banks
————————————
My Favorite Credit Cards: https://www.allcards.com/best-credit-card-offers/?utm_source=YouTube&utm_medium=Video+Links&utm_campaign=Boilerplate
My Favorite Online Banks: https://www.allcards.com/best-online-banks/?utm_source=YouTube&utm_medium=Video+Links&utm_campaign=Boilerplate

————————————
Popular Videos
————————————
1️⃣ How to Create a 3-Fund Portfolio: https://www.youtube.com/watch?v=kmw8OpGp2rM
2️⃣ How I Manage 28 Accounts in One App: https://www.youtube.com/watch?v=cQk6EQk3iGg
3️⃣ 7-Step Financial Checkup: https://www.youtube.com/watch?v=mNWGWxKzKTY

#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. 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 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.