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#492
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Here's exactly what I do with a million dollars at 35, 45, and 55. I'm Tyler. I'm a former financial advisor and portfolio manager. If any of this is helpful, check out my new podcast, your money guide on the side by clicking the link in my bio. Number one, 35, I prioritize flexibility. I'd fill my Roth. I'd fund a brokerage and keep six to 12 months in liquid cash. I want options more than optimization. Number two, at 45, I'd add in some protection. I'd maximize tax advantage space, pay down strategic debt, start prepping for my second act, not just retirement. And number three, and at 55, I'd think de-cumulation strategy. Hacks efficiency, withdrawal planning, maybe even Roth conversions. A million dollars needs to work with you, not just for you. Same million, three decades, totally different playbooks. Time does change everything, even your investing strategy.