The Only Investing Rule You Will Ever Need

As always, a MASSIVE thank you to this week's partners: Fabric (meetfabric.com/tyler) : if anybody relies on your income, you need to consider term life insurance asap. Check out meetfabric.com/tyler to find out the right coverage for you and your loved ones. Facet (joinfacet.com/tyler) : and even though I WANT to offer you all direct advice, I can't, as I don't know you. But Facet can, and they continue to practice exactly what I preach. Check out joinfacet.com/tyler today. And on to the show notes! “How should a 60-year-old invest?” It sounds like a reasonable question. It’s also the wrong one. In this episode, Tyler dismantles the idea that your age should determine your portfolio — and replaces it with a framework that actually works: invest based on when you need the money, not how many birthdays you’ve had. Because two people the same age can — and often should — invest completely differently. Instead of age-based formulas like “110 minus your age,” Tyler introduces a simpler system: The Three Bucket Framework • Bucket 1 (0–2 years): Cash, money markets, short-term treasuries. Zero stock exposure. • Bucket 2 (2–10 years): A glide path. Years until goal = % in stocks. • Bucket 3 (10+ years): 100% stocks in low-cost index funds. That’s it. This episode walks through real examples — retirees, early retirees, 30-year-olds saving for houses, 70-year-olds investing for grandkids — to show why timeline beats age every time. Tyler also explains: • Why sequence-of-returns risk matters more than age • How to structure withdrawals using the bucket system • Why most “conservative by default” advice is lazy • The 10 investing terms you actually need to understand • How to match allocation to goals without overcomplicating it The core idea is simple: Your timeline is your allocation. Stop asking how a 60-year-old should invest. Start asking when the money will be spent. If this framework changes how you think about your portfolio, leaving a quick review on Apple or Spotify genuinely helps. Hope this gives you something to think about this week.