The Retirement Strategy Nobody Talks About (FI Faster + Spend More)

Episode #671
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Episode Show Notes: https://www.biggerpocketsmoney.com
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Connect with Aubrey:
Web: https://openpath.financial
Email: aubrey@openpath.financial
Presentation from today's conversation: https://openpath.financial/guardrails/
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Connect with Scott and Mindy:
Scott:   / scott_trench  
Mindy:   / _mindyatbp  
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Follow BiggerPockets Money on Social:
Facebook:   / bpmoney  
Instagram:   / biggerpocketsmoney  
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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!