Risk-Based Guardrails Financial Planning Tool
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Risk-Based Guardrails Financial Planning Tool

Inspired by a conversation on:

BiggerPockets Money Podcast

BiggerPockets Money Podcast

The Secret to Retiring Early AND Spending More Money

Host: Mindy Jensen and Scott Trench

Timestamp: 00:29:15 - 00:56:09

Listen to Episode • View Podcast • All Ideas from BiggerPockets Money Podcast

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Direct Quote

"What I'm adding to that is if you start off with a million and you see your portfolio over a couple of years go up to 1.7, you know, which has happened in the timeframe that we're talking about from 2014 to 2021."

Summary

This idea revolves around creating a financial planning tool that implements Aubrey Williams' risk-based guardrails strategy for retirement spending. This tool would allow users to set flexible spending rules that adjust based on the performance of their investment portfolio rather than adhering to a rigid withdrawal rate like the traditional 4% rule. The tool would utilize historical analysis to help users visualize their spending limits in various market conditions, ensuring they can maintain financial independence while enjoying their retirement. Target audiences would include individuals in the FIRE (Financial Independence, Retire Early) community, financial advisors looking for innovative solutions for their clients, and DIY investors wanting more control over their retirement spending. Specific tactics could include incorporating data visualization features to show how spending adjustments can impact portfolio longevity, alongside educational content that demystifies the psychological barriers to spending during retirement.

Categorization

Business Model
SaaS
Target Founder
Technical
Difficulty
High
Time to Revenue
6-12 months
Initial Investment
> $10,000

Scores

Clarity
8/10
Novelty
9/10
Feasibility
6/10
Market Potential
8/10
Evidence
7/10
Overall
7.6/10
Found on August 29, 2025 • Analyzed on August 29, 2025 2:12 PM

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How should I validate this saas idea before building it?

2:34 PM

Great question! For a saas idea like this, I'd recommend starting with these validation steps:

  1. Customer interviews: Talk to Technical to understand their pain points
  2. MVP approach: Build a simple landing page to test demand
  3. Competitor analysis: Research existing solutions and identify gaps

Would you like me to help you create a specific validation plan for your high difficulty idea?

2:35 PM

Yes, and what about the technical implementation? Should I build this myself or hire a team?

2:36 PM

Based on your idea's complexity and 6-12 months, here's my recommendation:

Technical Strategy:

  • Start with no-code tools for rapid prototyping
  • Consider your technical background and available > $10,000
  • Plan for scalability from day one

I can help you create a detailed technical roadmap and resource allocation plan...

2:37 PM

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Similar Ideas

Personalized Retirement Spending Adjustment Calculator

This business idea involves developing a personalized retirement spending adjustment calculator that can help retirees determine how much they can spend based on their unique financial situations and market conditions. The calculator would allow users to input their portfolio values and personal spending preferences, then suggest adjustments based on historical performance data and risk assessment algorithms. This would empower users to make informed, confident spending decisions without the fear of running out of money. The target audience includes individuals approaching retirement, financial planners, and those already retired who wish to optimize their spending rates. Features could include user-friendly interfaces, integration with existing financial tools, and educational resources to help users understand the implications of their spending habits.