The $2 Million Plan No Advisor Wants You to See - The Details

The $2 Million Plan No Advisor Wants You to See - The Details

February 23, 2026 · 28 min

About this episode

Tyler Gardner discusses practical strategies for managing a retirement plan focused on a 90% stocks and 10% money market approach.

A special thanks to this week's sponsors: Bilt: if you are looking to level up your rewards game, time to check out how to get something back for your biggest annual expense: your rent or mortgage. Check out joinbilt.com/tyler today. Copilot Money: it's rare that I recommend apps to my friends, but when I do, it's because they're actually useful and dialed on what we need in finance. Check out try.copilot.money/tyler to see if Copilot Money is right for you. Gelt: I've said it before, and I'll say it always: if you haven't prioritized finding the right tax partner as a high net worth individual or business owner, you're prioritizing the wrong things. Check out joingelt.com/tyler today. A simple retirement plan is easy to explain. Living with it is harder. In this episode, Tyler revisits his 90% stocks / 10% money market retirement strategy — not to defend it, but to answer the practical questions that matter: When do you cut spending? When do you increase it? How do you rebalance without overreacting? And how do you rebuild cash after a downturn without missing the recovery? This is the execution episode. In this conversation, Tyler covers: How to use guardrails to adjust…

People in this episode

Host: Tyler Gardner

Topics covered

Keywords

Sponsors

Bilt, Copilot Money, Gelt

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