{"podcast":{"title":"Managing Tech Millions","slug":"managing-tech-millions-6705312","podcast_index_feed_id":6705312,"rss_url":"https://feeds.redcircle.com/8f2225e0-c4ac-469c-9e36-07f3677a22a7","website_url":"https://redcircle.com/shows/tech-equity-and-money-talk","image_url":"https://media.redcircle.com/images/2025/1/21/17/038d64ac-3862-49d0-9fb0-9c12a3796373_f3-43c9-be6f-34886fbe6fae_new_tcmt_cover_art_2.jpg","author":"Christopher Nelson","episode_count":176,"summary":"Welcome to Managing Tech Millions! http://www.managingtechmillions.com/ is where you could hang out with experienced tech industry executives, ask them about career growth, equity compensation, money, investing, financial strategies, and more; then take an insight or two to guide your own career and lifestyle? That’s what we do each week on Managing Tech Millions. Hosted by Christopher Nelson –– author, tech exec, and Principal and Co-Founder of Wealthward Capital –– every episode is an in-depth look at how to navigate tech careers in hyper-growth companies, select the right companies to work for, earn equity, and build a passive income portfolio. The goal is to give you the information you need to grow your career, build wealth, and make an impact!","last_synced_at":"2026-09-09T04:18:51.688681+00:00","page_url":"https://stenobird.com/podcast/managing-tech-millions-6705312"},"episode":{"title":"Have $1M-$30M? DON'T use the 4% rule","slug":"have-1m-30m-don-t-use-the-4-rule","published_at":"2026-08-25T13:00:53+00:00","page_url":"https://stenobird.com/podcast/managing-tech-millions-6705312/have-1m-30m-don-t-use-the-4-rule","show_page_url":"https://stenobird.com/podcast/managing-tech-millions-6705312","url":"http://www.managingtechmillions.com/","audio_url":"https://audio3.redcircle.com/episodes/46411b1d-5906-4a2e-baf1-518984394489/stream.mp3","summary":"In 2012 I had millions in the bank and no income strategy. Every advisor told me the same thing: 60/40 portfolio, 4% rule, you're set for life. Then I went and read the research behind that rule. It comes from a 1994 study, and what it leaves out is the thing that can end a retirement in the first three years. So I spent the next decade studying how ultra-wealthy families actually pay for their lives. I interviewed Chief Investment Officers at Single Family Offices and took their portfolio structures apart. What I found made me angry. The strategy isn't complicated. It's been kept quiet by firms charging you 1% a year to sit in the same cookie-cutter portfolio they sell someone with $500K. Families with generational wealth follow one rule about their assets, and everything else is built around it. Follow it and a 30% market drop stops being a threat to your retirement. In this video I walk through the structure I built, what my own numbers looked like the year I walked away at 51, and the four steps I'd take if I were starting from scratch today.","meta_description":"In 2012 I had millions in the bank and no income strategy. Every advisor told me the same thing: 60/40 portfolio, 4% rule, you're set for life. Then I wen…","key_points":[],"chapters":[],"topics":[],"duration_seconds":853,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/managing-tech-millions-6705312/episodes/have-1m-30m-don-t-use-the-4-rule/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/managing-tech-millions-6705312/have-1m-30m-don-t-use-the-4-rule.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}