Tyler Gardner
speaker
4,362 appearances
10 recordings
1 series
first heard Jun 2026
last heard 7 Sep
Tyler Gardner’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 10 in all, peaking in Aug 2026 with 5.
Appearances
Why do the guardrails work so well?
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Because the 4% rule was designed to survive the worst case scenario.
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I've said this so many times, but I'll remind you forever.
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It was designed to hold up during the worst 30-year period in U.S.
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market history.
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It was also built for someone who refuses to adjust their spending regardless of what the market does.
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So if you're willing to adjust even a little, you can spend more in good years without endangering the bad years.
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The practical implication, build guardrails into your annual review just as a guide.
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Once a year, you check your current withdrawal rate against the guardrails.
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If you're below 4%, you can afford to live a little.
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If you're above 6%, cut it back a little.
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The middle ground, between 4% and 6%, is what we'd call your cruising altitude.
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Stay the course.
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And when to do this?
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Well, not to sound too snarky, but we do have a calendar year, and a good time to do this might be at the end of a calendar year.
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This episode is brought to you by Anthropic, the makers of Clawed.
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Here's something I probably shouldn't admit publicly.
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Clawed is the cheapest business partner I've ever had, and it's also the only one who's willing to tell me I'm wrong before the internet does.
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Recent example, I was writing a script about the 4% rule, and I had this number in my head that I was completely certain about.
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Claude went to the original Trinity study, pulled the actual table, and told me my number was a little off.
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Showing 1901–1920 of 4,362 · page 96 of 219
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