Welcome to The Mind Money Spectrum Podcast where your hosts 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.

The 'big rocks' trick to fit what matters
Your Household Is a Business
Why you usually shouldn't exercise NSOs until you sell
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. https://mindmoneyspectrum.buzzsprout.com/724986/episodes/2448626-5-the-4-rule-is-a-good-start-but-betting-your-life-on-it-can-burn-you https://mindmoneyspectrum.buzzsprout.com/724986/episodes/2897134-12-sequence-of-returns-risk-why-the-first-few-years-of-withdrawals-are-the-most-critical https://mindmoneyspectrum.buzzsprout.com/724986/episodes/4507568-29-want-to-retire-before-you-turn-70-tee-up-big-savings-with-these-tips
#160. Mistakes people make five years before retirement
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. (https://mindmoneyspectrum.buzzsprout.com/724986/episodes/2448626-5-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. (https://mindmoneyspectrum.buzzsprout.com/724986/episodes/2897134-12-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. (https://mindmoneyspectrum.buzzsprout.com/724986/episodes/4507568-29-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 (http://graystoneadvisor.com/) , and Trishul is an East Coast Wealth Manager (InvestingForever.com (http://investingforever.com/) ). MindMoneySpectrum.com (http://mindmoneyspectrum.com/) and YouTube (https://tinyurl.com/bde4f3cb) .
#160. Mistakes people make five years before retirement
How planning prevents regret when selling company stock
Reassessing the 4% Rule: Flexibility Over Dogma
Ideal week: walking cities with no rush or calendars
From 100% to zero: why jobs carry income risk
Why decades matter: historical rolling returns
What are you actually paying your advisor for?
The $1,000 choice: iPhone now or $400/year forever
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