The Secret to Retiring Early AND Spending More Money

BiggerPockets Money Podcast

BiggerPockets

Investing, Education, Business

4.6 • 2.9K Ratings

🗓️ 29 August 2025

⏱️ 62 minutes

🔗️ Recording | iTunes | RSS

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Summary

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

Transcript

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0:00.0	What if everything you've been told about retirement is backwards? What if you could actually
0:05.6	retire earlier and spend more money than following traditional advice? Our guest today has cracked
0:11.8	the code on a retirement strategy and today they're about to reveal how to reach financial
0:17.1	independence faster while actually enjoying your money along the way. If you've ever
0:22.1	thought you had to choose between retiring early or living well, this episode will completely
0:27.6	change your perspective. Hello, hello, hello, and welcome to the Bigger Pockets Money
0:36.6	podcast. My name is Mindy Jensen, and with me as always, is my free-only financial advice co-host, Scott Trench.
0:43.6	Thanks, Mindy, great to be here with my never withdraws from a great mood and great energy or her portfolio.
0:50.4	Co-host Mindy Jensen. Well, that's not true, Scott. I actually withdrew $42.
0:55.5	Thank you very much.
0:56.7	That's right, yes.
0:57.8	We are so excited to be joined again by Aubrey Williams today.
1:01.5	He was on the podcast on Tuesday, where we went through his personal financial independence story.
1:05.9	And today we're going to get into how to build drawdown guardrails so that you can spend more in retirement.
1:10.8	Aubrey presented on this subject at Camp Phi, and we're excited to have him on into how to build drawdown guardrails so that you can spend more in retirement.
1:15.6	Aubrey presented on this subject at Camp Phi, and we're excited to have him on here to share with the world and our Bigger Pockets Money audience here.
1:19.5	Aubrey, welcome back to Bigger Pockets Money.
1:21.6	All right.
1:22.1	Thank you very much, Scott.
1:23.7	Thank you, Mindy.
1:24.5	So today we're talking about the topic, which I call everyone adjusts.
1:30.4	We're all working towards financial independence, or maybe we're almost there, or maybe we
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