Your Money Guide on the Side

As always, a MASSIVE thank you to this week's partners:

Fabric: if anybody relies on your income, you need to consider term life insurance asap. Check out meetfabric.com/tyler to find out the right coverage for you and your loved ones.

Facet: and even though I WANT to offer you all direct advice, I can't, as I don't know you. But Facet can, and they continue to practice exactly what I preach. Check out joinfacet.com/tyler today.

And on to the show notes!

“How should a 60-year-old invest?”

It sounds like a reasonable question.

It’s also the wrong one.

In this episode, Tyler dismantles the idea that your age should determine your portfolio — and replaces it with a framework that actually works: invest based on when you need the money, not how many birthdays you’ve had.

Because two people the same age can — and often should — invest completely differently.

Instead of age-based formulas like “110 minus your age,” Tyler introduces a simpler system:

The Three Bucket Framework


Bucket 1 (0–2 years): Cash, money markets, short-term treasuries. Zero stock exposure.


Bucket 2 (2–10 years): A glide path. Years until goal = % in stocks.


Bucket 3 (10+ years): 100% stocks in low-cost index funds.

That’s it.

This episode walks through real examples — retirees, early retirees, 30-year-olds saving for houses, 70-year-olds investing for grandkids — to show why timeline beats age every time.

Tyler also explains:

Why sequence-of-returns risk matters more than age

How to structure withdrawals using the bucket system

Why most “conservative by default” advice is lazy

The 10 investing terms you actually need to understand

How to match allocation to goals without overcomplicating it

The core idea is simple:

Your timeline is your allocation.

Stop asking how a 60-year-old should invest.
Start asking when the money will be spent.

If this framework changes how you think about your portfolio, leaving a quick review on Apple or Spotify genuinely helps.

Hope this gives you something to think about this week.

A special thanks to this week's sponsors:

Bilt: if you are looking to level up your rewards game, time to check out how to get something back for your biggest annual expense: your rent or mortgage. Check out joinbilt.com/tyler today.

Copilot Money: it's rare that I recommend apps to my friends, but when I do, it's because they're actually useful and dialed on what we need in finance. Check out try.copilot.money/tyler to see if Copilot Money is right for you.

Gelt: I've said it before, and I'll say it always: if you haven't prioritized finding the right tax partner as a high net worth individual or business owner, you're prioritizing the wrong things. Check out joingelt.com/tyler today.

A simple retirement plan is easy to explain.

Living with it is harder.

In this episode, Tyler revisits his 90% stocks / 10% money market retirement strategy — not to defend it, but to answer the practical questions that matter:

When do you cut spending?
When do you increase it?
How do you rebalance without overreacting?
And how do you rebuild cash after a downturn without missing the recovery?

This is the execution episode.

In this conversation, Tyler covers:


How to use guardrails to adjust spending automatically

When to reduce withdrawals — and when to raise them

How often to rebalance (once a year is plenty)

Why you only replenish cash after markets recover

How automation keeps emotions out of the process

The strategy remains intentionally simple: spend from cash during downturns, rebalance annually, and let math — not headlines — drive decisions.

This episode isn’t about market timing.

It’s about having rules in place so you don’t panic when volatility shows up.

If the original 90/10 allocation made sense to you, this episode shows you how to actually stick with it.

And if the show’s been helpful, leaving a quick review on Apple or Spotify genuinely helps.

Hope this gives you something to think about this week.

A massive "thanks," as always, to this weeks's sponsors:

Anthropic: I use Claude every hour of every day to optimize my life. If you haven't explored what Claude can do for you and your business, it's time. Check out Claude today at claude.ai/tyler

LMNT: I drink LMNT before and after each workout, and I have never felt better. Mango Chili and Watermelon Salt are my go-tos, and take advantage of the sampler pack, so you can find yours today. Check out LMNT before your next workout at drinklmnt.com/tyler

Facet: I continue to partner with Facet in 2026 because I have yet to find a financial planning resource more fitting and cost effective for my audience. Check them out today to see where you've been leaving money on the table. Go to facet.com/tyler to learn more.

And now on to the show notes!

At some point, the financial industry starts telling you that once you cross a certain number — $5 million, $10 million — you need something more sophisticated.

In this episode, Tyler explains why that’s mostly nonsense.

After his “How to Invest $2 Million” episode, the big follow-up question was whether wealth changes the strategy. The answer: it doesn’t.

The fundamentals stay the same — time horizon, asset allocation, tax efficiency, fees, and real diversification.

In this episode, Tyler breaks down five portfolio options:


One fund (VTI or VOO) for maximum simplicity


Two funds (stocks + bonds) for risk control


Target date funds for true autopilot investing


The three-fund portfolio for global diversification


The five-fund “2.0” version for small allocations to real estate, gold, or crypto

None require hedge funds.
None require private equity.
None require paying 1% for unnecessary complexity.

Tyler also explains why “accredited investor” status often just means you’re being sold something expensive — and why many ultra-wealthy investors still stick with index funds.

This episode isn’t about leveling up your portfolio.

It’s about keeping it simple — no matter how much money you have.

If the show’s been helpful, leaving a quick review on Apple or Spotify genuinely helps.

Hope this gives you something to think about this week.

If you're interested in learning more about this week's partners:

Copilot Money: I rarely recommend financial apps to my friends, but after suggesting that a few of my friends (all of whom work in finance) check out Copilot Money, not only did they all sign up, but they all think it's the best money app they've seen to date. So if you want to get your financial life in order, check out Copilot Money today at try.copilot.money/tyler.

Gelt: My biggest business mistake to date? Waiting too long to establish a relationship with a reliable and proactive tax strategist. I left tens of thousands on the table. If your business is consistently netting over $200k, and you're lost as to next steps, you need to check out Gelt today at joingelt.com/tyler.

And on to the show notes!

Most retirement advice sounds confident and means almost nothing.

“Save a million.”“Ten times your salary.”“Seventy percent of your income."

None of that tells you what you actually need.

In this episode, Tyler walks through how to calculate your real retirement number — one based on your spending, your timeline, and the kind of life you actually want. The goal isn’t motivation. It’s clarity.

Instead of vague targets, Tyler breaks retirement planning into three practical numbers:


Traditional FIRE — the “never work again” number, and why it’s too extreme for most people


Coast FIRE — the Goldilocks option that lets you save hard early and ease off later


The bare minimum — a realistic bridge for people closer to retirement who need options, not perfection

Along the way, he explains why investing matters more than saving alone, why time beats contribution size, and why conservative assumptions create flexibility instead of fear.

This episode isn’t about chasing a magic number.

It’s about knowing what you’re building toward — so you can stop guessing and start making decisions with confidence.

If you’ve ever wondered whether you’re on track, this episode gives you a framework you can actually use.

And if the show’s been helpful, leaving a quick review on Apple Podcasts or Spotify genuinely helps.

Hope this gives you something to think about this week.

A massive thank you to those who make this show possible!

Facet: Every January we obsess over physical health. But what about your financial health? If you're ready to actually get a plan instead of just hoping for the best, Facet pairs you with CFP® professionals who build personalized strategies for a flat fee. Head to facet.com/tyler to get $250 into your brokerage account when you invest $5,000 in your first 90 days, plus waived enrollment fees for new annual members.

Fabric: If anyone relies on your paycheck, term life insurance isn't optional—it's the safety net that catches them if you're not there. Fabric by Gerber Life lets you apply online in ten minutes with no health exam, and a million dollars in coverage often costs less than a dollar a day. Head to meetfabric.com/tyler to get covered before you finish your coffee—policies issued by Western-Southern Life Assurance Company, not available in certain states, prices subject to underwriting.

And now on to the show notes!

Saving money for retirement gets all the attention. Spending that money intelligently is the hard part.

In this episode, Tyler tackles the part of retirement no one really teaches: how to draw down your money without running out, losing sleep, or overpaying in taxes. Accumulation is mostly math and discipline. Decumulation is judgment, flexibility, and understanding tradeoffs.

This is a practical walkthrough of dynamic retirement income strategies — not rigid rules — and why the approach your parents used probably doesn’t work anymore.

In this episode, Tyler breaks down:


Why retirement drawdown is harder than saving — and why there’s no single “right” rule


The three main income strategies in retirement: selling growth assets, living off dividends, and fixed income


How the 4% rule actually works — and why it shouldn’t be followed blindly


The pros and cons of dividend-focused portfolios, including tax implications


When bonds, ladders, and annuities can make sense as income stabilizers


Why inflation is the silent risk most retirees underestimate

The most tax-efficient order to withdraw from accounts

How Roth conversions, low tax brackets, and timing can save real money

Along the way, Tyler explains why flexibility beats optimization, why peace of mind matters as much as returns, and why most retirees end up using a blend of all three strategies, not just one.

This episode isn’t about squeezing every last dollar out of your portfolio.

It’s about making your money last long enough to enjoy it — and knowing how to adapt as markets, taxes, and life change.

If you’re approaching retirement, thinking about early retirement, or just want to understand how the endgame actually works, this episode gives you a solid framework to start from.

And if the show has been helpful, leaving a quick review on Apple Podcasts or Spotify genuinely helps.

As always, hope this gives you something worth thinking about this week.