Ryan Sterling

speaker

807 appearances 4 recordings 1 series first heard Feb 2026 last heard 7 Sep

Ryan Sterling’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 4 in all, peaking in Sep 2026 with 1.

Appearances

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NerdWallet's Smart Money Podcast · Going Back to Work Later in Life and Why the Housing Market Feels So Stuck · 13 Aug 2026 podcast

Right.

So we want to be able to, of course, manage the risk because there's likely going to be, you know, some sort of withdrawal need from the portfolio at some point in time, especially as you reach something called required minimum distributions, which at the age of 73, you're actually going to have to take

Some funds out of this portfolio.

So we know right now that there's going to be some draw coming from the portfolio.

So we don't want to make it 100% stocks.

We don't want to make it super risky, but at the same time, it still warrants a growth engine.

So you will need a certain amount of stock exposure.

Now I would say, and I again like we'd have to kind of look very granular with your situation, but typically speaking, for someone in their

60s, I would say that a portfolio of, you know, 60 to 70% stocks is on the high side.

I would say 30 to 40% stocks is on the low side.

I see.

So if we want to kind of tighten that band, typically speaking, what I see is somewhere between 40% to 60% in diversified stocks.

Independent.

Mm-hmm.

So what does it look like for Social Security?

And then what do your expenses look like?

So here's a very kind of rough back of the envelope and just bear with me for one second as as I just kinda run a quick calculation here.

So you're starting right now at two hundred and fourteen thousand.

Right.

How long realistically do you see yourself working?

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