The $2 Million Plan No Advisor Wants You to See - The Details

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.