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Ep 415: This TikTok Finfluencer Says His 76-Year-Old Dad Can Spend 7.5% and Still Grow His Portfolio. Let's Check the Math.

October 14, 2026
Viral TikTok "finfluencer" Tyler Gardner claims his 76-year-old father can stay 100% in stocks. David McKnight breaks down exactly where that approach falls apart. Additionally, he reveals the retirement planning strategy that actually makes a 100% stocks allocation safe, so a market downturn doesn'...

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David McKnight
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David McKnight
David McKnight is a highly regarded speaker whose workshop The Power of Zero has been seen by thousands of Americans across the country. He has made frequent appearances on Bloomberg Radio, The New York Times, CNBC, Yahoo! Finance, Nasdaq.com, Reuters, Investor’s Business Daily and numerous other national publications. Most recently David was a main platform speaker at Forum 400, an annual gathering of the top 1% of financial advisors in the country. In the summer of 2014, he was a Focus Speaker at the annual world-wide meeting of the Million Dollar Round Table in Toronto, Canada.

All the Episodes

Ep 415
This TikTok Finfluencer Says His 76-Year-Old Dad Can Spend 7.5% and Still Grow His Portfolio. Let's Check the Math.
October 14, 2026Duration: 08:31

Viral TikTok "finfluencer" Tyler Gardner claims his 76-year-old father can stay 100% in stocks. David McKnight breaks down exactly where that approach falls apart. Additionally, he reveals the retirement planning strategy that actually makes a 100% stocks allocation safe, so a market downturn doesn'...

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Ep 414
Five Years from Retirement? Do This.
October 7, 2026Duration: 08:01

The five years before retirement are what David McKnight calls the Retirement Danger Zone, a window where a stock market crash could trigger Sequence of Returns Risk and even derail a well-designed plan. In this episode, he breaks down the retirement planning strategies that build an income floor, c...

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Ep 413
I Have $1 Million in Taxable Accounts and $1 Million in IRAs. How Can I Prepare for Higher Taxes?
September 30, 2026Duration: 08:12

If you've built up $1M in your IRA and $1M in taxable investments, David McKnight has a warning: every year that money stays put, the IRS gets to vote on your tax rate.  He breaks down a retirement planning strategy for gradually converting your IRA to Roth – fast enough to beat rising rates, slow e...

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Ep 412
Best Reason to Delay Social Security To Age 70
September 23, 2026Duration: 09:33

When is a good time to start your Social Security? David McKnight reveals why smart retirement planning means waiting until age 70 for reasons that have nothing to do with a bigger check… and everything to do with the years in between being your best window for Roth conversions.  In this episode,...

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Ep 411
Should You Stop Roth Conversions at the 22% Tax Bracket?
September 16, 2026Duration: 10:57

Should you stop your Roth conversions at the 22% tax rate, or push into the 24% bracket?  David McKnight responds to a viewer's detailed case for stopping early, revealing why optimizing this year's tax bill can be the wrong retirement planning move over a 30-year horizon. You'll discover his "rip t...

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