{"id":7078252,"date":"2026-10-06T15:10:16","date_gmt":"2026-10-06T15:10:16","guid":{"rendered":"https:\/\/fivemor.com\/?p=7078252"},"modified":"2026-10-06T15:10:16","modified_gmt":"2026-10-06T15:10:16","slug":"755-ai-debt-and-a-social-security-shortfall-should-your-money-plans-change-with-rob-berger","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=7078252","title":{"rendered":"#755: AI, Debt, and a Social Security Shortfall. Should Your Money Plans Change? With Rob Berger"},"content":{"rendered":"


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\n Rob Berger started writing about personal finance in 2007, just months before the Great Recession hit. His retirement planning strategy through the crash was almost comically simple: keep contributing to his 401(k), don’t sell anything, and otherwise do nothing.\n <\/p>\n

\n Nearly 20 years later, the list of worries looks different. AI is upending which skills and companies are valuable, the U.S. is paying more than a trillion dollars a year in interest on its debt, and Social Security’s trust fund is on track to run out in roughly six years.\n <\/p>\n

\n For anyone doing retirement planning right now, that’s a lot of uncertainty to absorb. Rob’s take is that far less has changed than it seems, and that convincing yourself the fundamentals no longer apply is where the big mistakes start.\n <\/p>\n

\n Rob joins the show to explain why he isn’t touching his own asset allocation despite lofty stock valuations, why he doesn’t think the country can grow its way out of its debt, and how someone retiring within five years can build enough guaranteed income to sleep at night. He also shares the career advice he gives his own kids, the latte habit that taught him how much control people have over what makes them happy, and the retirement planning questions his audience asks him most.\n <\/p>\n

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<\/span><\/span><\/span><\/span><\/span>Listen on<\/span>Apple Podcasts<\/strong><\/span><\/a><\/span><\/span><\/span><\/span>Listen on<\/span>Spotify<\/strong><\/span><\/a><\/span><\/span>Watch on<\/span>YouTube<\/strong><\/span><\/a><\/p>\n<\/div>\n

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