How I Built a Recession-Proof Portfolio for Early Retirement | ASMR Money Talk

Building a recession-proof portfolio requires a strategic approach to where you hold your stocks and bonds. Join me for a relaxing ASMR session as I share the specific details of my $1M+ portfolio transition in 2026. I explain my "control center" approach at Fidelity, how I use bonds in my Traditional IRA for future spending, and the levers I can pull if the market tanks so I never have to sell shares at a loss. In tonight’s episode, we dive deep into the concept of asset location vs. asset allocation. While many investors focus only on what they own, I’ll show you why where you own it matters just as much for tax efficiency and long-term security. Whether you are managing a Traditional IRA, Roth IRA, or a taxable account, understanding how to "bucket" your money can help you navigate sequence of return risk and protect your wealth during market volatility. Timestamps: 00:00 – Friday night vibes and the jets flying by 01:45 – My 2026 planner and tracking money lessons 04:00 – Building a tax-efficient retirement engine 05:20 – Addressing the "paper wealth" comment: Is it recession-proof? 06:38 – Current Portfolio Breakdown: 68% Stocks / 32% Bonds 07:40 – The "Control Center": Why I keep bonds in my Traditional IRA 09:30 – The importance of rebalancing without selling shares 10:25 – Roth IRA Strategy: Why I’m 100% stocks for the next 15 years 11:55 – Taxable Account: Why I’m okay with equity risk here 13:30 – Pulling levers: How to avoid selling during a market tank 14:45 – Strategic early retirement optimization (Taxes, ACA, & Growth) 16:25 – My spending order: Cash, Income, IRA, and the Roth "Last Resort" 18:05 – Closing thoughts and subscribing Thank you so much for spending part of your Friday night with me. I hope these insights help you feel more confident in your own financial journey. If you found this helpful, please consider subscribing to the ASMR Money Mentor family, give this video a thumbs up, and leave a comment below—I’d love to hear your tho

Added 6 Jun 2026