The Only Investing Rule You Will Ever Need

The Only Investing Rule You Will Ever Need

From Your Money Guide on the Side by Tyler Gardner

March 2, 2026 · 32 min

About this episode

Tyler Gardner discusses a new framework for investing based on when you need the money rather than your age.

As always, a MASSIVE thank you to this week's partners: Fabric: 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: 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…

People in this episode

Host: Tyler Gardner

Topics covered

  • investing
  • financial planning
  • retirement
  • portfolio management
  • investment strategies

Keywords

  • investing rule
  • Three Bucket Framework
  • sequence-of-returns risk
  • portfolio
  • financial advice

Sponsors

Fabric, Facet

More episodes of Your Money Guide on the Side

Explore listener stats, chart rankings, contacts and more on the Your Money Guide on the Side podcast page.