Tax complications in taxable accounts

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And on to the show notes!

Rebalancing gets treated like financial gospel.

Something you must do on a strict schedule, or else you’re somehow being irresponsible with your money.

In this episode, Tyler pulls that idea apart.

Yes, rebalancing matters — but it’s far less urgent, far less precise, and far less sacred than the financial industry wants you to believe.

This is a practical, anxiety-reducing look at what rebalancing actually is, when it’s worth doing, and when you can probably stop worrying and go live your life.

In this episode, Tyler breaks down:

• What rebalancing actually means, and why age-based formulas are mostly nonsense
• Why goals matter more than age when deciding your allocation
• When rebalancing barely changes outcomes — and when it actually matters
• How target date funds handle rebalancing for you, and when they work well
• How to rebalance yourself without overthinking it, especially inside retirement accounts
• Why rebalancing in taxable accounts is trickier, and when paying taxes is actually the right move
• How to rebalance using new contributions instead of selling — and why taxes shouldn’t paralyze you

Along the way, Tyler explains why rebalancing isn’t about hitting a perfect allocation, why most people exaggerate its importance, and why alignment beats optimization every time.

This episode isn’t about micromanaging your portfolio.

It’s about making sure your money still reflects your goals — and knowing when you can safely stop tinkering.

If you’ve ever wondered whether you should rebalance, whether it’s worth triggering taxes, or whether you’re overthinking the whole thing — this one’s for you.

And if the show has been helpful, leaving a quick review on Apple Podcasts or Spotify genuinely helps. It helps other people find the show and keeps it going.

As always, hope this gives you something useful to think about this week.