Investment Phases…Accumulation to Transition to Drawdown (S3 E1)

05/27/25 • 14 min

Invested Poorly: Sad Tales of FInancial Fails

S3 E1: The three investment phases we all go through are accumulation, transition, and drawdown. This episode explains how to invest during each phase and what changes you should make as you shift from one phase to the next.

Host Jeff Harrell shares his unique strategy to navigate all three phases. Using his personal FI journey as a guide, you will be able to steer your own path to FI success based on your specific situation.

In less than 15 minutes, you’ll learn how to manage a portfolio over multiple decades and life changes. Simplifying your portfolio and having a strategy based on your stage of life, not market conditions, should lead to peace of mind when it comes to managing your investments.

(Season 3 Episode 1)

Resources Mentioned in Episode:

Cody Garrett (Measure Twice Money) video, "Retirement Savings Order of Operations"
- Measure Twice Money YouTube Channel
Target Asset Allocation by Investment Phase table - illustrates recommended target asset allocations by asset class during the three investment phases of Accumulation, Transition, Drawdown - See episode Show Notes on our website

Other Episodes Referenced:

Podcast produced by Ted Cragg of QuickEditPodcasts.comMusic Credit: Dream Cave / Adventure Awaits / courtesy of www.epidemicsound.com

(Season 3 Episode 1)

Resources Mentioned in Episode:

Cody Garrett (Measure Twice Money) video, "Retirement Savings Order of Operations"
- Measure Twice Money YouTube Channel
Target Asset Allocation by Investment Phase table - illustrates recommended target asset allocations by asset class during the three investment phases of Accumulation, Transition, Drawdown - See episode Show Notes on our website

Other Episodes Referenced:

Podcast produced by Ted Cragg of QuickEditPodcasts.comMusic Credit: Dream Cave / Adventure Awaits / courtesy of www.epidemicsound.com

Previous Episode

Season 3 Preview – Invested Poorly: Sad Tales of FInancial Fails

In the third season of Invested Poorly: Sad Tales of FInancial Fails, host Jeff Harrell adds a twist with more personal stories, including how he’s managing his own investments.

Season 3 highlights how Jeff’s perspective differs from mainstream financial advice with respect to investing throughout your various phases of life. He will give you some food for thought on popular investment themes such as index funds, as well as individual stocks and bonds, and more topics that impact your finances like legacy planning, privacy and security, spend tracking, etc.

Jeff teaches many lessons learned from his FI journey, while continuing to provide plenty of examples of poor decisions he witnessed investors make during his career. All to help you enjoy a smoother path to financial independence.

(Season 3 Trailer)

Podcast produced by Ted Cragg of QuickEditPodcasts.comMusic Credit: Dream Cave / Adventure Awaits / courtesy of www.epidemicsound.com

Next Episode

You Know Enough About Investing to…Still Mess Everything Up (S3 E2)

S3 E2: Discovering FI (financial independence) can be thrilling and it’s tempting to quickly make changes to your finances and investments. This episode cautions you to proceed slowly to ensure you fully understand the financial ramifications of your actions. Because you don’t want to win the battle, but lose the war.

“Small things” like transaction fees, taxes, and placing trades are easily misunderstood or overlooked, thereby altering the timeline to reach FI. Another common failure discussed is not reinvesting dividends and capital gain distributions.

Jeff Harrell explains how such oversights are easy to fix if identified early. But if they go unnoticed, they could slow your FI journey significantly. Remember, a bit of knowledge goes a long way.

(Season 3 Episode 2)

Resources Mentioned in Episode: