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Your Money Guide on the Side: Daily Summaries Delivered
by Tyler Gardner
Your go-to podcast for mastering money and investing. Hosted by Tyler Gardner, a trusted influencer with over 6M 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.
Latest Episodes
The most recent episodes — sign up to get AI-powered summaries of each one.
- 6 days ago34 min
Why Smart People Ignore Good Financial Advice: 5 Money Decisions That Aren’t Actually About Money
Pre-order Tyler's book, Real Wealth, at tylergardner.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: Caldera + Lab → If you've been meaning to take better care of your skin, head to CalderaLab.com/TYLER and use code TYLER for 20% off your first order. Gelt → joingelt.com/tyler because it's not too late to make strategic game-changing tax moves. If you're a business or a high-net worth individual, you might want to check this one out today. Momentous → livemomentous.com Use code Tyler for up to 35% off your first order! 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. A spreadsheet can tell you which decision might leave you richer. It’s less useful at explaining why you still want to pay off the house. In this episode, Tyler explores five money questions whose answers depend on values and obligations as much as arithmetic. Starting with a client whose priorities he once misunderstood, he examines the tension between building wealth and building a life, including his own habit of saving for a future that keeps getting preferential treatment. You’ll learn: Why paying off a mortgage can answer a different question from maximising returns. How your relationship with your future self can encourage both saving and excessive sacrifice. Why support for adult children needs a clear purpose and an agreed endpoint. How family conversations about inheritance can address expectations before surprises arrive. Why “enough” keeps moving when it’s attached only to a number. Better decisions begin with what the money is for—and an honest answer about the life it should support. If this episode helped, please consider leaving a review on Apple or Spotify.
- 1 weeks ago38 min
The 5 Things You Need to Retire Tomorrow
Pre-order Tyler's book, Real Wealth, at tylergardner.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! Facet → facet.com/tyler for an exclusive $550 kickstart offer! Copilot Money → www.copilot.money/tyler — use code TYLER2 for two free months. LMNT → drinklmnt.com/tyler Get a free 8-count Sample Pack of LMNT’s most popular drink mix flavors with any purchase at drinklmnt.com/tyler. And on to the show notes!! You’ve reached your retirement number. Now what’s going to get you out of bed on Monday? A healthy account balance can fund your freedom, but it can’t give your days a shape. In this episode, Tyler explores five needs behind a happy retirement: autonomy, relatedness, competence, desire and marked time. Drawing on psychological research and his own experience, he asks what happens when work stops supplying the people, progress and structure you barely noticed it provided. Even the colleague you found irritating may have been doing you some good. You’ll learn: Why autonomy means choosing worthwhile obligations, rather than having none. How everyday acquaintances provide connection your closest relationships can’t replace. Why getting better at something matters more than already being good. How an unfinished bucket list keeps anticipation alive. Why distinct experiences and annual rituals help make the years memorable. Build the life your money makes possible before your last working Monday arrives. If this episode gave you something to think about, please consider leaving a review on Apple or Spotify.
- 2 weeks ago38 min
Why I Still Hate Bonds (With a Few Minor Concessions)
Pre-order Tyler's book, Real Wealth, at tylergardner.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 → Use link thrivemarket.com/tyler to get $30 off your first two orders. You cannot get this deal on the website — it's only through my link. And that right there covers your membership fee, so sign up now before this exclusive offer ends. Caldera + Lab → If you've been meaning to take better care of your skin, head to CalderaLab.com/TYLER and use code TYLER for 20% off your first order. Anthropic → claude.ai/tyler to experience AI for minds that don't stop at good enough. Gelt → joingelt.com/tyler because Q2 is where strategic businesses make game-changing tax moves. 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!! The “safe” part of a portfolio can still deliver a nasty surprise. Bonds have a job to do, but protecting against everything isn’t in the contract. In this episode, Tyler revisits his earlier argument against bonds with a sharper distinction between growth and ballast. He explores what fixed income actually protects, what it leaves exposed, and when certainty matters more than chasing a higher return. You’ll learn: How interest rates, inflation and opportunity cost challenge the idea that bonds are automatically safe. Why a bond fund is not a bond, and what duration reveals about potential price swings. The different jobs money markets, bond funds and TIPS can perform. When matching maturities to expenses and holding a retirement spending buffer make sense. Why pensions and other steady income belong in your whole financial picture. The useful question is safe from what? Judge each holding by the job it needs to do, rather than a reassuring label. If this episode helped, please consider leaving a review on Apple or Spotify.
- 3 weeks ago38 min
The 5 Questions You Would Not Stop Asking Me in 2026
Pre-order Tyler's book, Real Wealth, at tylergardner.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: Bilt → joinbilt.com/tyler So you can choose the card that fits your lifestyle without missing out on points and exclusive benefits. 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 Get a free 8-count Sample Pack of LMNT’s most popular drink mix flavors with any purchase at drinklmnt.com/tyler. Facet → facet.com/tyler for an exclusive $550 kickstart offer! And on to the show notes!! Most of the biggest money questions aren’t really about what to buy. They’re about how to think when the answer isn’t obvious. In this episode, Tyler answers the five questions listeners have asked most in 2026 — from pensions and politics to healthcare, market concentration, and long-term care — with an emphasis on what you can actually control. You’ll learn: How a pension and Social Security can change the way you think about portfolio risk Why being right about markets or politics still doesn’t mean you can time them How the return of the ACA subsidy cliff changes early-retirement planning What today’s S&P 500 concentration does — and doesn’t — tell you The four main ways to prepare for long-term care, including the risks of each The recurring lesson is that good planning rarely comes from predicting the future. It comes from understanding the whole picture, knowing what you own, and preparing for the decisions you can control. If the show’s been helpful, please consider leaving a review on Apple or Spotify.
- Sep 28, 202636 min
5 Things I Will Never Spend Money On as a Multimillionaire (And 5 That Are Worth Every Penny)
Pre-order Tyler's book, Real Wealth, at tylergardner.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: Momentous → livemomentous.com Use code Tyler for up to 35% off your first order! Use code Tyler for up to 35% off your first order! Gelt → joingelt.com/tyler because Q2 is where strategic businesses make game-changing tax moves. If you're a business or a high-net worth individual, you might want to check this one out today. Caldera+ Lab → If you've been meaning to take better care of your skin, head to CalderaLab.com/TYLER and use code TYLER for 20% off your first order. And on to the show notes!! Most people spend decades learning how to make and save money. Far fewer learn how to spend it well. In this episode, Tyler shares two very personal lists: five things he’ll happily overpay for, and five things he refuses to spend money on again. Not because one list is objectively right. Because the point is figuring out your own list. In this episode, Tyler covers: Why many well-funded retirees still struggle to give themselves permission to spend Five things Tyler believes are genuinely worth the money, from generous tipping to buying back time Why a capsule wardrobe, books, house cleaning, and even leasing a car can make sense when they solve the right problem Five purchases he’s done with—including short-haul first class, expensive wine, and other versions of “luxury” that don’t actually improve his life Why outsourcing tasks you hate can increase happiness—but outsourcing things you enjoy can do the opposite How to separate spending that buys time, health, peace, or connection from spending that mostly buys an audience The exercise of building your own “worth it” and “never again” lists The core idea: The money was never the finish line. It’s a tool for buying more of what you already value. Spend generously where it meaningfully improves your life. And stop paying for things you only thought you were supposed to want. 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.
- Sep 21, 202637 min
The 5 Biggest Red Flags of Financial Advising
Pre-order Tyler's book, Real Wealth, at tylergardner.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: Factor → factormeals.com/tylerg50off and use code tylerg50off to get 50% off and one free breakfast item per box for one year while supplies last until 10/31/2026. LMNT → drinklmnt.com/tyler Get a free 8-count Sample Pack of LMNT’s most popular drink mix flavors with any purchase at drinklmnt.com/tyler. Facet → facet.com/tyler for an exclusive $550 kickstart offer! Copilot Money → www.copilot.money/tyler — use code TYLER2 for two free months. And on to the show notes!! Hiring a financial advisor can be genuinely valuable. Hiring the wrong one can be extremely expensive. In this episode, Tyler breaks down five red flags to watch for when choosing an advisor—or evaluating the one you already have. Because the question isn’t whether financial advice has value. It’s whether this advisor is worth what you’re paying them. In this episode, Tyler covers: Why the traditional 1% assets-under-management fee can become enormously expensive over time The one question to ask every prospective advisor: “What would you do with $100,000 of my money?” Why real market experience—and humility—matters when things get ugly How to confirm your advisor is a fiduciary 100% of the time Why your investments should always be held with an independent third-party custodian How guarantees, deadlines, and high-pressure sales tactics reveal misaligned incentives What to watch for once you’re a client, including churning and unnecessary cash drag How to leave an advisor without creating an avoidable tax bill The core idea: Good financial advice can be worth paying for. But the price should reflect the service—not the size of your portfolio. Look for transparent pricing, boring investments, real planning expertise, aligned incentives, and someone willing to tell you exactly how they get paid. And remember: it’s your money, not theirs. If the show’s been helpful, leaving a quick review on Apple or Spotify genuinely helps. Hope this gives you something useful to think about this week.
- Sep 14, 202646 min
The Greatest Financial Advisor You Never Knew You Had
Pre-order Tyler's book, Real Wealth, at tylergardner.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: Caldera+ Lab → If you've been meaning to take better care of your skin, head to CalderaLab.com/TYLER and use code TYLER for 20% off your first order. DeleteMe → joindeleteme.com/tyler20 Use code Tyler20 for up to 20% off! Thrive Market → Use link thrivemarket.com/tyler to get $30 off your first two orders. You cannot get this deal on the website — it's only through my link. And that right there covers your membership fee, so sign up now before this exclusive offer ends Gelt → joingelt.com/tyler because Q3 is where strategic businesses make game-changing tax moves. If you're a business or a high-net worth individual, you might want to check this one out today. The best financial advisor Tyler has ever worked with charges almost nothing, never calls during dinner, and automatically fires its own losers. It’s the S&P 500. In this episode, Tyler revisits the case for simple index investing—and tackles the arguments that usually come next: What about concentration?What about international diversification?What about investor behavior?And what exactly are you paying an advisor to do? In this episode, Tyler covers: How the S&P 500’s profitability and inclusion rules create a built-in quality filter Why the index automatically removes declining companies and replaces them with stronger ones The case that large U.S. companies already provide meaningful international exposure Why today’s market concentration is a real risk—but not necessarily a reason to abandon the index The enormous long-term advantage of low fees and tax efficiency Tyler’s three-bucket framework for matching investment risk to when you actually need the money Whether behavioral coaching really justifies a 1% advisory fee How AI, primary-source verification, and hourly or flat-fee professionals can handle more complex planning questions The core idea: You don’t necessarily need someone continuously managing your investments. You need a simple structure you understand, enough friction to stop yourself panicking, and targeted expertise when the problem actually requires it. The S&P 500 won’t hold your hand. But for the job of growing long-term savings cheaply and automatically, it’s remarkably difficult to beat. 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.
- Sep 7, 202638 min
How to Build the Perfect Portfolio - Part 2 of 2
Pre-order Tyler's book, Real Wealth, at tylergardner.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: 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! Bilt → joinbilt.com/tyler So you can choose the card that fits your lifestyle without missing out on points and exclusive benefits. 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. And on to the show notes!! There is no single perfect portfolio. There is only the portfolio that is right for you. In Part 2, Tyler looks at five more of the greatest investing thinkers of the last century before pulling all ten together into a practical framework for building a portfolio that can actually survive real life. In this episode, Tyler covers: Robert Merton on building around the income you actually need Martin Leibowitz and why your capacity for risk matters more than a questionnaire Robert Shiller on valuations, behavioral finance, and global diversification Charles Ellis on winning by avoiding mistakes, not making brilliant moves Jeremy Siegel on stocks, long time horizons, and dollar-cost averaging Why TIPS repeatedly appear as the preferred long-term risk-off asset The five principles that emerge when all ten thinkers are compared The conclusions are surprisingly simple: Keep costs low. Know yourself. Diversify broadly. Protect against inflation. And stay the course. The perfect portfolio isn’t the one with the cleverest allocation. It’s the one built around your life, your risk tolerance, and your goals—and simple enough that you won’t abandon it when markets get ugly. 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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About Your Money Guide on the Side
Your go-to podcast for mastering money and investing. Hosted by Tyler Gardner, a trusted influencer with over 6M 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.
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