Optimizing the Last Year of Work Before Retirement - Rusty (Part 1) | MHFI 316

April 21, 2026 01:11:44
Optimizing the Last Year of Work Before Retirement - Rusty (Part 1) | MHFI 316
Mile High FI Podcast
Optimizing the Last Year of Work Before Retirement - Rusty (Part 1) | MHFI 316

Apr 21 2026 | 01:11:44

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Show Notes

Doug chats with Rusty about how to optimize the final year before (early) retirement, emphasizing the critical distinction between “one more year syndrome” vs. a calculated final year and how working a little longer can lower withdrawal rates & reduce sequence-of-returns worry.  They compare quitting to being fired or laid off and highlight some potential benefits such as severance, possible unemployment, and employer healthcare continuation.  Rusty also shares some personal negotiation tactics when leaving a job.

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0:00 Introduction

2:37 Working one more year

9:19 Stock market risk & flexibility

15:13 Quiet Quitting playbook

23:28 Quitting vs. getting fired or laid off

30:41 Real-world cautionary tales

35:38 Tips for quitting & identity issues

43:02 New baby update!

51:51 Tales of a jacked math major

59:52 Soundcheck – Food

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