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

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.