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!

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