The Secret to Retiring Early AND Spending More Money

The Secret to Retiring Early AND Spending More Money

Retire earlier. Spend more. Live better. For most people, these sound like mutually exclusive goals—you can pick one, maybe two, but certainly not all three. Financial planner Aubrey Williams is here to prove that conventional wisdom wrong. Joining BiggerPockets Money hosts Mindy Jensen and Scott Trench, Aubrey introduces his revolutionary guardrails strategy that completely flips traditional retirement advice on its head. Instead of the rigid, fear-based approach that dominates most retirement planning, Aubrey's method shows you exactly how to create flexible spending rules that respond to real market conditions. This isn't just another investment strategy—it's a complete mindset shift. Aubrey walks through the psychological barriers that keep retirees from actually enjoying their money, then provides the practical tools and historical evidence you need to overcome them. Get ready for a masterclass in turning retirement anxiety into genuine retirement confidence, backed by decades of market data and real-world application. 00:00 Rethinking Early Retirement 01:24 Adjusting Spending in Retirement 02:30 Myths of Financial Independence 04:48 Tools for Decumulation 11:18 Guardrails for Safe Withdrawal 24:23 The Risks of Underspending 29:15 Introducing Risk-Based Guardrails 29:27 Building a Sample Portfolio 30:16 Adjusting Spending Based on Portfolio Performance 32:07 Historical Analysis and Guardrails 54:41 Connect with Aubrey! Learn more about your ad choices. Visit megaphone.fm/adchoices

Episoder(740)

From $15,000 to Financial Independence Through Real Estate

From $15,000 to Financial Independence Through Real Estate

In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Grace Gudenkauf, a real estate investor who began her journey at just 23 years old with $15,000 in...

3 Mar 43min

Can You Reach Financial Independence on a Median Income?

Can You Reach Financial Independence on a Median Income?

Can you reach financial independence earning a median or below-median income? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down why making less money c...

27 Feb 28min

Cruising to FIRE in Her 40s (After Living Pay Check to Pay Check!)

Cruising to FIRE in Her 40s (After Living Pay Check to Pay Check!)

On this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Emily Egashira to hear about her financial journey. Emily’s journey to financial independence proves tha...

24 Feb 56min

AVUV vs VTSAX: Why Small Cap Value Could Outperform

AVUV vs VTSAX: Why Small Cap Value Could Outperform

On this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Frank Vasquez to explore small cap value investing, factor research from Eugene Fama and Kenneth French,...

20 Feb 48min

Paul Merriman’s 4-Step Portfolio Strategy for Long-Term Wealth

Paul Merriman’s 4-Step Portfolio Strategy for Long-Term Wealth

In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench are joined by Paul Merriman. Paul shares decades of investing wisdom and explains why simple index investing oft...

17 Feb 1h 22min

The New FIRE? Why Time Freedom Beats Early Retirement

The New FIRE? Why Time Freedom Beats Early Retirement

What if financial independence isn’t about retiring early — but about controlling your time right now? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down...

13 Feb 57min

The Ultimate Guide to Finding Your Ideal Side Hustle

The Ultimate Guide to Finding Your Ideal Side Hustle

How do you choose a side hustle that actually makes money instead of wasting your time? In this episode of the BiggerPockets Money Podcast Nick Loper from Side Hustle Nation breaks down exactly how to...

10 Feb 58min

Debate: AUM vs Flat Fee Which is Better?

Debate: AUM vs Flat Fee Which is Better?

In this episode of the BiggerPocketsMoney podcast, Mindy Jensen and Scott Trench host Ryan Sterling, CEO of NerdWallet Wealth Partners, to discuss the nuances of different financial advisor compensati...

6 Feb 1h 7min

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