What a 1% Fee Really Does to Your Nest Egg (FQF)

This week on Five Question Friday (FQF): Question 1: Is the 4% rule calculated before or after advisory (AUM) fees? Question 2: If your spouse inherits an IRA, should you spend that or your taxable account first? Question 3: Do money market fund expense ratios matter? SPAXX vs. VMFXX. Question 4: Your TIPS fund has been in the red since you bought it. Did you make a mistake? Question 5: What's the best tool or app to store and organize your passwords? Resources mentioned in the video: Michael Kitces on advisory fees and safe withdrawal rates: https://www.kitces.com/blog/the-impac... FICalc (the calculator used in Question 1): https://ficalc.app Mark Zoril / PlanVision (advice-only planning): https://www.planvisionmn.com/ Fidelity Government Money Market Fund (SPAXX): https://fundresearch.fidelity.com/mut... Vanguard Federal Money Market Fund (VMFXX): https://investor.vanguard.com/investm... Vanguard 0-3 Month Treasury Bill ETF (VBIL): https://advisors.vanguard.com/investm... Fidelity Inflation-Protected Bond Index Fund (FIPDX): https://fundresearch.fidelity.com/mut... Apple Passwords: https://apps.apple.com/us/app/passwor... 11Password: https://1password.com Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm... 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/y... 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 Welcome and today's five questions 1:01 The 4% rule and AUM fees 17:13 Inherited IRA vs. taxable 20:40 Money market expense ratios 24:36 TIPS funds 29:57 Password managers #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:    / @rob_berger   Facebook:   / financialfreedomguy   Twitter:   / 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. *Disclosure*: Some of the links in this description are from partners who compensate us. This means — at no extra cost to you — I may earn money if you click and sign up for a product or open an account. This creates a financial relationship that may influence my recommendations, but I only recommend products and services I believe in and would recommend to my own mom. Advertisers have no control over my content. Read the full advertiser disclosure here: https://robberger.com/how-we-make-money/