AUG 15, 2026 How I Would Invest $2 Million and Live Off of $200,000/Year

Here's exactly how I'd live off of $2 million in retirement without ever running out of money. And I warn you, it goes against everything you've ever been taught. I'm Tyler. I'm a former financial advisor and portfolio manager. Now I make financial content for free so you don't have to pay for it. Number one, I'd invest 90% in stocks through a total market fund like Vanguard's VTI and the remaining 10% in money markets through a fund like Fidelity's SPAXX. It's good enough for Buffett, it's good enough for me. Number two, I then wave goodbye to the 4% rule because that's fear-based nonsense. The average million dollar portfolio that only draws down 4% annually in retirement is invested mostly in stocks. Ends up being worth close to $10 million after 30 years post inflation. No. 3. So I'd start by drawing down 6% per year to be safe. Net about $100,000 per year between the VTI and SPAXX. And I have just enough money to fund my Vuori Fall wardrobe. No. 4. And I do the quick math. Appreciate that I'm still projected to die with about $2.6 million. No. 5. So after five years, I'd up it to 7% per year. Now take in closer to $175,000 a year. So now I can afford to get matching Filson vests for me and my bloodhounds. If that's not real wealth, I don't know what is. No. 6. But even with that draw, still be projected to wind up with $2 million at death. No. 7. But knowing that I now only have 8 to 10 years left to kick it, I'd up it to $200,000 a year drawdown order to fund my high stakes bingo circuit. Kick it into eternity with Style. Bingo, Baby! If any of this is helpful, sign up for my free weekly newsletter by clicking the link in my bio, and each week I'll send you over another money playbook that actually works.