Tyler Gardner

speaker

5,337 appearances 12 recordings 1 series first heard Jun 2026 last heard 5d ago

Tyler Gardner’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 12 in all, peaking in Aug 2026 with 5.

Appearances

newest first · ▶ plays the moment

Your Money Guide on the Side · The Subtle Art of Doing Nothing (And Making More Money While Doing It) · 10 Aug 2026 podcast

If your withdrawal as a percentage of your current portfolio drops below 4%, you've effectively done so well that you can afford to spend more. voice-verified

So you give yourself a 10% raise, yippee, hoorah, and then you establish a lower guardrail at 6% withdrawal rate. voice-verified

If your withdrawal as a percentage of your current portfolio rises above 6%, voice-verified

your portfolio has shrunk enough that you need to tighten the belt. voice-verified

So you cut your spending by 10%. voice-verified

Bummer, but helpful. voice-verified

That's it. voice-verified

That's the framework. voice-verified

Two rules applied annually. voice-verified

What this does mathematically is dynamically adjust your spending in response to portfolio performance. voice-verified

When the market is good, spend a little more. voice-verified

When the market is bad, spend a little less. voice-verified

The cuts and raises are modest, 10% in either direction, but their cumulative effect over a 30-year retirement is enormous. voice-verified

The research on the guardrail approach shows that it can support sustainable withdrawal rates of 5% or higher compared to the more conservative 4% rule that assumes no dynamic adjustment. voice-verified

And, as you all know, the last thing I want any of us to do ever is blindly follow a rule that no longer even exists. voice-verified

Why do the guardrails work so well? voice-verified

Because the 4% rule was designed to survive the worst case scenario. voice-verified

I've said this so many times, but I'll remind you forever. voice-verified

It was designed to hold up during the worst 30-year period in U.S. voice-verified

market history. voice-verified

Showing 2861–2880 of 5,337 · page 144 of 267