You're already won. It's time to take some risk off the table.

Five years before retirement is when real planning begins. This is the time to shift from pure growth to an income strategy, reduce sequence of returns risk, and design a withdrawal plan that supports your lifestyle. We’ll cover portfolio transitions, withdrawal rates, and decumulation strategies so you can retire with confidence instead of guesswork.

Episode References
MMS #5. The 4% rule is a good start, but betting your life on it can burn you.
MMS #12. Sequence of Returns Risk: Why the first few years of withdrawals are the most critical.
MMS #29. Want to retire before you turn 70? Tee up big savings with these tips.

Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Bay Area Financial Planner with GraystoneAdvisor.com, and Trishul is an East Coast Wealth Manager (InvestingForever.com). MindMoneySpectrum.com and YouTube.

How does a shrinking population affect the stock market?

Stock market growth comes from economic growth plus leverage. Economic growth comes from population growth plus productivity growth. Population growth comes from fertility rates and immigration. But what happens when a population stops having children? What does that mean for the economy and, ultimately, the stock market?

Aaron and Trishul walk through the data behind global population trends, using Japan as a cautionary example.

Episode References

MMS #157. What the hell is jobless growth?
MMS #119. What if we live forever?
Global GDP
World Population
Global Fertility Rate
US Population
US Fertility Rate
Japan Population
Europe Fertility Rate
Data Insights
Pew Research: Pop Growth in 100 Years
Life Expectancy
Birth Rate By Country
GDP By Country
Fertility Rates
Largest Countries by GDP
NIKKEI
ACWI

Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Bay Area Financial Planner with GraystoneAdvisor.com, and Trishul is an East Coast Wealth Manager (InvestingForever.com). MindMoneySpectrum.com and YouTube.

Trishul sold his New Jersey rental property, while Aaron is keeping his San Diego rental home. Why?

Real estate has delivered strong returns for generations, but Trishul believes the dynamics that made it successful are changing and won’t necessarily benefit future generations. Aaron pushes back, arguing that when investors focus on “location, location, location,” real estate can still play an important role in diversifying generational wealth.

Episode References
MMS #155. Future Jobs for Kids
MMS #13. Is real estate just a big pain?
MMS #85. Everything about real estate investing
MMS #110. Inflation and deflation at once
MMS #27. UBI for free?

Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Bay Area Financial Planner with GraystoneAdvisor.com, and Trishul is an East Coast Wealth Manager (InvestingForever.com). MindMoneySpectrum.com and YouTube.