The 6 Money Moves to Make Before You Retire
Summary
Tyler Gardner launches the "Art of Decumulation" series, focusing on the logistical transition from saving to spending in retirement. He outlines six critical pre-retirement steps: building a 12–24 month cash buffer, rolling 401(k)s into IRAs, optimizing Social Security timing, managing healthcare costs via ACA subsidies, auditing beneficiaries, and reallocating portfolios. The episode emphasizes preparing infrastructure to reduce anxiety and protect assets during the first years of retirement.
Topics discussed
Intro: The freedom of pre-planned retirement
Introducing the Art of Decumulation series
The psychological shift from accumulation to decumulation
Decision 1: Building a 12-24 month cash buffer
Decision 2: Rolling over your 401k to an IRA
Sponsor: Caldera Lab skincare routine
Decision 3: Timing your Social Security claim
Decision 4: Managing healthcare costs via income tax
Decision 5: Beneficiary audit and spousal preparation
Decision 6: Reallocating portfolio before retiring
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