Your Money Guide on the Side
Tyler Gardner
Your go-to podcast for mastering money and investing. Hosted by Tyler Gardner, a trusted influencer with over 3M 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.
Episodes
Mentioned books
Mar 30, 2026 • 40min
Why I'm Taking Social Security at 62 (And Why the "Wait Until 70 Crowd" Might Want to Pay Attention)
A contrarian, data-backed take arguing for claiming Social Security at 62 instead of waiting. Short breakdowns of break-even math for ages 62, 67, and 70. Discussion of how retirement phases change the value of money. Practical look at the Medicare gap from 62 to 65 and how to cover it. A six-question framework and quick heuristics to help decide when to claim.
39 snips
Mar 23, 2026 • 37min
5 AI Prompts That Will Change How You Manage Money (And 3 Things It Still Gets Dead Wrong)
They show how AI can act as a behavioral coach to stop costly financial mistakes. They walk through prompts to build a full financial snapshot and reveal your real risk tolerance. They outline simple, diversified allocation strategies and explain why asset location matters. They also cover stress testing plans with Monte Carlo thinking and warn about privacy risks, bad prompts, and AI hallucinations.
26 snips
Mar 16, 2026 • 47min
How to Make Your Child Absurdly Wealthy for Absurdly Little
They explain how tiny, early investments can turn into massive wealth over decades of compounding. They compare three strategies: custodial accounts, custodial Roth IRAs, and keeping assets in your own brokerage for a step-up in basis. They outline tax rules, earned income requirements, and practical trade-offs. They finish with a clear four-step action plan to start and automate saving for kids.
11 snips
Mar 9, 2026 • 41min
How to Stop Buying a Life That Isn't Yours | Hanna Horvath, CFP®
Hanna Horvath, CFP® — a financial planner and writer who studies the psychology of money. She explores why info alone does not change behavior. She talks about social comparison, how marketing creates a sense of lack, defining what “enough” means, the hidden costs of convenience, and practical ways to align spending with values and build real community.
13 snips
Mar 2, 2026 • 32min
The Only Investing Rule You Will Ever Need
They argue that investing should match when you need the money, not how old you are. A simple three-bucket framework sorts cash needs by 0–2, 2–10, and 10+ year horizons. Real-life scenarios show identical ages can require different allocations. The show also covers sequence-of-returns risk, a glide-path rule for midterm goals, and the ten investing terms worth knowing.
10 snips
Feb 23, 2026 • 28min
The $2 Million Plan No Advisor Wants You to See - The Details
A clear look at a simple 90% stocks / 10% cash retirement framework. Practical rules for when to cut or raise withdrawals with preset guardrails. Guidance on annual rebalancing and why not to sell during crashes. Steps for rebuilding cash only after recovery and using automation to remove emotion from decisions.
25 snips
Feb 16, 2026 • 33min
How to Invest $5 Million (The Only 4 Portfolios You’ll Ever Need)
Clear advice on why ultra-wealth does not demand exotic investments. Short breakdowns of four simple portfolio approaches from single-fund simplicity to a five-fund mix with small real estate, gold, or crypto slots. Practical focus on time horizon, allocation, taxes, fees, and avoiding costly private funds and complexity.
12 snips
Feb 9, 2026 • 35min
The 3 Retirement Numbers You Actually Need
Practical retirement math without vague rules. Three concrete targets are explained: traditional never-work-again wealth, a Coast FIRE middle path, and a bare-minimum bridge using Social Security. Clear steps cover spending measurement, timelines, and why investing and time matter more than just saving.
15 snips
Feb 2, 2026 • 39min
5 Ways to Invest (And Spend) $2 Million
A practical look at drawing down retirement savings without running out or overpaying taxes. Covers selling growth assets and the 4% rule, dividend-focused portfolios and their tax tradeoffs, and using bonds, ladders, and annuities for predictable paychecks. Explains tax-efficient withdrawal order, Roth conversion timing, and blending strategies to balance growth, income, and stability.
9 snips
Jan 26, 2026 • 35min
5 Things the Insurance Industry Doesn't Want You to Know
A blunt look at what insurance is actually for and why many policies are oversold. Short rundown of the few coverages most people truly need. Clear critique of whole life, indexed, and variable life products. When annuities might help and when they hurt. A strong case for maximizing HSAs if you qualify.
