The “Go Live Your Life” Rule: Rethinking Retirement Spending
InvestTalk
Hosts Justin Klein & Luke Guerrero, CFA | Wealth Managers and Investment Advisors
4.4 • 1.5K Ratings
🗓️ 1 November 2025
⏱️ 46 minutes
🧾️ Download transcript
Summary
Why the so-called “guardrails approach”, that is adjusting spending up or down based on market performance, is gaining traction over the fixed “4% rule” in retirement.
Today's Stocks & Topics: Fiserv, Inc. (FI), Market Wrap, Fed Rate Cuts, the “Go Live Your Life” Rule: Rethinking Retirement Spending, QUALCOMM Incorporated (QCOM), Three-Buckets Retirement Strategy, Bonds, Leveraged ETFs, Powell Industries, Inc. (POWL), Direxion Daily S&P500 Bull 3X Shares (SPXL), Winmark Corporation (WINA), Home Sales, Rio Tinto Group (RIO).
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Transcript
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| 0:00.0 | On radio, on YouTube, streaming live on invest talk.com, and for our podcast subscribers, this is InvestTalk. Incependent thinking, shared success. |
| 0:17.7 | InvestTalk is made possible by KPP Financial, a registered investment advisor firm, serving clients throughout the United States. |
| 0:27.1 | Here is KPP Financial portfolio manager, Luke Guerrero. |
| 0:33.6 | Good afternoon, fellow investors, and welcome back to Invest Talk. |
| 0:38.3 | I'm your host, Luke Guerrero, and today's Friday, October 31st, 2025. |
| 0:45.3 | And before we get out and about, maybe with our friends, dressed for the Halloween weekend, or with our our kids going to get them as much candy |
| 0:57.1 | as possible. We got a lot to talk about because the month of October is over. We are headed in |
| 1:04.1 | to November. The final stretch is here. And before you know it, the year will be gone. |
| 1:12.1 | And as we've learned this year, things move incredibly quickly. |
| 1:15.2 | So it's critical in these moments to have a routine, a way for you to continue to be focused. |
| 1:25.1 | And so we here at Investstock hope that we are but a small part of your journey. |
| 1:31.1 | Our objective is for you the investor, you the listener, to leave each show a little bit better, |
| 1:38.1 | a little bit more informed. Now, to that end, we have a mixture of educational and actionable |
| 1:44.0 | material to go over today. |
| 1:46.0 | But because the most important part of this show are your questions, let's answer one now. |
| 1:53.2 | Hey, Justin and Luke. I hope you guys are doing well. |
| 1:55.6 | I wanted to check in and see what you guys thought about the company FISA, ticker symbol FI. |
| 2:01.5 | Looks like it's down pretty hard here today. |
| 2:03.7 | Looks like they missed their Q3 earnings report. |
| 2:06.8 | So I wanted to see what you guys thought about it if it's a good company and possibly a good time to buy. |
| 2:11.2 | Thank you. |
| 2:11.6 | Have a great day. |
... |
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