Your Money Guide on the Side Podcast By Tyler Gardner cover art

Your Money Guide on the Side

Your Money Guide on the Side

By: Tyler Gardner
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Your go-to podcast for mastering money and investing. Hosted by Tyler Gardner, a trusted influencer with over 4M followers, Your Money Guide on the Side simplifies the complex, adds nuance to what seems simple, and connects you with the brightest minds in finance, investing, and business. Whether you’re just starting or leveling up, this is your one-stop resource to navigate your own finances with clarity, confidence, and a bit of fun. Let’s get you one step closer to where you need to be.© 2025 Your Money Guide on the Side Economics Leadership Management & Leadership Personal Finance
Episodes
  • The 6 Money Moves to Make Before You Retire

    The 6 Money Moves to Make Before You Retire
    Jul 20 2026
    Pre-order Tyler's book, Real Wealth, at ⁠⁠⁠⁠⁠tyler.gardner.com/book⁠⁠⁠⁠⁠ and be eligible for all monthly incentives between now and December 1st! And as always, a MASSIVE thank you to this week's sponsors: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠ → joindeleteme.com/tyler20⁠ Use code Tyler20 for up to 20% off! Caldera+ Lab⁠ → CalderaLab.com/TYLER and use code TYLER for 20% off your first order. ⁠Facet⁠ → ⁠⁠facet.com/tyler⁠ for an exclusive $550 kickstart offer! Gelt → ⁠⁠joingelt.com/tyler⁠ because having the right tax strategist changes the game entirely. If you're a business or a high-net worth individual, you might want to check this one out today. And on to the show notes!! Most financial advice is about building wealth. Far less is about what comes next. In this episode, Tyler kicks off a five-part series on the art of decumulation—the transition from saving for retirement to confidently spending what you've spent decades building. Because retirement isn't just a financial shift. It's a life shift. In this episode, Tyler covers: Why the first year of retirement is often the most emotionally challenging How to build a 12–24 month cash buffer before leaving work What to do with your 401(k) when you retire How to think about Social Security and the healthcare gap before Medicare Why every retiree should review beneficiaries and prepare their spouse to manage the finances How to reposition your portfolio before retirement—not after The core idea: A successful retirement starts long before your last day at work. The more decisions you make in advance, the less likely you'll be forced into emotional ones later. This is Part 1 of Tyler's five-part series on retirement spending. Next week, he dives into one of the biggest decisions retirees face: which accounts to withdraw from first—and why the order matters. If the show's been helpful, leaving a quick review on Apple or Spotify genuinely helps. Hope this gives you something to think about this week.
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    44 mins
  • The $2 Million Portfolio: Two Funds, Three Funds, or Five?

    The $2 Million Portfolio: Two Funds, Three Funds, or Five?
    Jul 13 2026
    Pre-order Tyler's book, Real Wealth, at ⁠⁠⁠⁠⁠tyler.gardner.com/book⁠⁠⁠⁠⁠ and be eligible for all monthly incentives between now and December 1st! And as always, a MASSIVE thank you to this week's sponsors: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Fabric⁠ → ⁠meetfabric.com/tyler⁠ Made for busy parents like you; all online, on your schedule, right from your couch. You could be covered in under 10 minutes, often with no health exam required. LMNT⁠ → ⁠drinklmnt.com/tyler⁠ Become an INSIDER, just order the INSIDER Bundle–four boxes for the price of three, best value they offer–and get early access to limited time flavors and cool surprise gifts along the way. ⁠⁠⁠Copilot Money → ⁠⁠www.copilot.money/tyler⁠⁠ — use code TYLER2 for two free months.⁠ ⁠Bilt⁠ → ⁠joinbilt.com/tyler⁠ So you can choose the card that fits your lifestyle without missing out on points and exclusive benefits. And on to the show notes!! Most investors think a better portfolio is a more complicated portfolio. It usually isn't. In this episode, Tyler revisits his retirement portfolio framework and answers one of the most common questions he's received: How many funds do you actually need? From a simple two-fund portfolio to more complex five-fund allocations, Tyler explains where diversification adds real value—and where it simply adds complexity. In this episode, Tyler covers: The differences between two-, three-, and five-fund portfolios Why simplicity often outperforms complexity over the long run The difference between bond funds and money market funds Whether international stocks are actually necessary When adding more funds becomes an active bet, not diversification Why rebalancing once a year is usually enough The behavioral advantage of owning a portfolio you can actually stick with The core idea: The best portfolio isn't the most sophisticated. It's the one you'll hold through the next bear market. Because long-term investing isn't won by finding the perfect allocation. It's won by keeping costs low, staying invested, and resisting the urge to tinker. If the show's been helpful, leaving a quick review on Apple or Spotify genuinely helps. Hope this gives you something to think about this week.
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    36 mins
  • 5 Money Milestones and the Lie Each One Tells

    5 Money Milestones and the Lie Each One Tells
    Jul 6 2026
    Pre-order Tyler's book, Real Wealth, at ⁠⁠⁠⁠⁠tyler.gardner.com/book⁠⁠⁠⁠⁠ and be eligible for all monthly incentives between now and December 1st! And as always, a MASSIVE thank you to this week's sponsors: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Thrive Market⁠: → ⁠⁠thrivemarket.com/tyler for⁠ $20 off your first three orders plus you’ll get a FREE $60 gift! ⁠Gelt: → ⁠⁠⁠joingelt.com/tyler⁠⁠ because Q3 is where strategic businesses make game-changing tax moves before the yearis over. If you're a business or a high-net worth individual, check out Gelt today. Anthropic⁠: → ⁠⁠claude.ai/tyler ⁠to experience AI for minds that don't stop at good enough. ⁠Facet⁠⁠: → ⁠⁠⁠facet.com/tyler⁠⁠ for an exclusive $550 kickstart offer! And on to the show notes!! We spend a lot of our lives chasing financial milestones. A six-figure salary. Coast FIRE. Retirement. The next big achievement. But what if those milestones were never meant to make us feel complete? In this episode, Tyler steps away from spreadsheets and investment strategies to explore what literature can teach us about money, ambition, and the illusion that one more milestone will finally make everything click. Drawing on works by C.P. Cavafy, Samuel Johnson, Kazuo Ishiguro, and David Foster Wallace, Tyler reflects on why so many financial goals feel strangely empty once we reach them—and what that means for how we should build our lives. In this episode, Tyler explores: Why a six-figure salary often changes less than we expect What Coast FIRE really gives us—and what it doesn't The hidden myth at the heart of retirement planning Why major achievements rarely deliver lasting fulfillment The importance of always having another "Ithaca" on the horizon The one financial milestone that genuinely does transform people's lives: getting out of high-interest debt The core idea: Financial milestones matter—but not because they complete us. They give us direction. The real value isn't in arriving. It's in the person you become on the way there. If the show's been helpful, leaving a quick review on Apple or Spotify genuinely helps. Hope this gives you something to think about this week.
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    44 mins
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All stars
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Tyler’s down to earth discussion and his helping me to understand 1 level down - it’s a great listen for a novice like me… just enough to make me dangerous… or set for life!

I started following his short content as it showed up on my social media - and as he discusses in the podcast - it’s difficult to get across a lot in a 30 second bite size video - but those peaked my interest and got me to find the podcast here…

Very happy with the listens so far… except I walk around my neighborhood while listening… not through the woods of Vermont.

Down to earth - easy to listen to

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Tyler is great at making complex topics simple. He provides real examples & debunks myths while also addressing the psychological components of money that most ignore.

the best & easiest to understand financial podcast

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i so enjoy Tyler's teaching style. One really does not need to "google" money terms because of his down to earth approach. I listen weekly and refer back often. I do wonder what are the names his hounds?
Thank you and happy investing!

Honest & Integrity

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Absolutely love the perspective on financial matters. Very strong advice. Please keep it up! Looking forward to more !

Refreshing and intelligent

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I really enjoy this podcast. Tyler gives very practical advice in an entertaining and easy to understand way.

Very informative

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