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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 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.© 2025 Your Money Guide on the Side Economics Leadership Management & Leadership Personal Finance
Episodes
  • How to Invest $5 Million (The Only 4 Portfolios You’ll Ever Need)

    How to Invest $5 Million (The Only 4 Portfolios You’ll Ever Need)
    Feb 16 2026
    A massive "thanks," as always, to this weeks's sponsors: Anthropic: I use Claude every hour of every day to optimize my life. If you haven't explored what Claude can do for you and your business, it's time. Check out Claude today at claude.ai/tyler LMNT: I drink LMNT before and after each workout, and I have never felt better. Mango Chili and Watermelon Salt are my go-tos, and take advantage of the sampler pack, so you can find yours today. Check out LMNT before your next workout at drinklmnt.com/tyler Facet: I continue to partner with Facet in 2026 because I have yet to find a financial planning resource more fitting and cost effective for my audience. Check them out today to see where you've been leaving money on the table. Go to facet.com/tyler to learn more. And now on to the show notes! At some point, the financial industry starts telling you that once you cross a certain number — $5 million, $10 million — you need something more sophisticated. In this episode, Tyler explains why that’s mostly nonsense. After his “How to Invest $2 Million” episode, the big follow-up question was whether wealth changes the strategy. The answer: it doesn’t. The fundamentals stay the same — time horizon, asset allocation, tax efficiency, fees, and real diversification. In this episode, Tyler breaks down five portfolio options: One fund (VTI or VOO) for maximum simplicity Two funds (stocks + bonds) for risk control Target date funds for true autopilot investing The three-fund portfolio for global diversification The five-fund “2.0” version for small allocations to real estate, gold, or crypto None require hedge funds. None require private equity. None require paying 1% for unnecessary complexity. Tyler also explains why “accredited investor” status often just means you’re being sold something expensive — and why many ultra-wealthy investors still stick with index funds. This episode isn’t about leveling up your portfolio. It’s about keeping it simple — no matter how much money you have. 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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    33 mins
  • The 3 Retirement Numbers You Actually Need

    The 3 Retirement Numbers You Actually Need
    Feb 9 2026
    If you're interested in learning more about this week's partners: Copilot Money: I rarely recommend financial apps to my friends, but after suggesting that a few of my friends (all of whom work in finance) check out Copilot Money, not only did they all sign up, but they all think it's the best money app they've seen to date. So if you want to get your financial life in order, check out Copilot Money today at try.copilot.money/tyler. Gelt: My biggest business mistake to date? Waiting too long to establish a relationship with a reliable and proactive tax strategist. I left tens of thousands on the table. If your business is consistently netting over $200k, and you're lost as to next steps, you need to check out Gelt today at joingelt.com/tyler. And on to the show notes! Most retirement advice sounds confident and means almost nothing. “Save a million.”“Ten times your salary.”“Seventy percent of your income." None of that tells you what you actually need. In this episode, Tyler walks through how to calculate your real retirement number — one based on your spending, your timeline, and the kind of life you actually want. The goal isn’t motivation. It’s clarity. Instead of vague targets, Tyler breaks retirement planning into three practical numbers: Traditional FIRE — the “never work again” number, and why it’s too extreme for most people Coast FIRE — the Goldilocks option that lets you save hard early and ease off later The bare minimum — a realistic bridge for people closer to retirement who need options, not perfection Along the way, he explains why investing matters more than saving alone, why time beats contribution size, and why conservative assumptions create flexibility instead of fear. This episode isn’t about chasing a magic number. It’s about knowing what you’re building toward — so you can stop guessing and start making decisions with confidence. If you’ve ever wondered whether you’re on track, this episode gives you a framework you can actually use. And if the show’s been helpful, leaving a quick review on Apple Podcasts or Spotify genuinely helps. Hope this gives you something to think about this week.
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    35 mins
  • 5 Ways to Invest (And Spend) $2 Million

    5 Ways to Invest (And Spend) $2 Million
    Feb 2 2026
    A massive thank you to those who make this show possible! Facet: Every January we obsess over physical health. But what about your financial health? If you're ready to actually get a plan instead of just hoping for the best, Facet pairs you with CFP® professionals who build personalized strategies for a flat fee. Head to facet.com/tyler to get $250 into your brokerage account when you invest $5,000 in your first 90 days, plus waived enrollment fees for new annual members. Fabric: If anyone relies on your paycheck, term life insurance isn't optional—it's the safety net that catches them if you're not there. Fabric by Gerber Life lets you apply online in ten minutes with no health exam, and a million dollars in coverage often costs less than a dollar a day. Head to meetfabric.com/tyler to get covered before you finish your coffee—policies issued by Western-Southern Life Assurance Company, not available in certain states, prices subject to underwriting. And now on to the show notes! Saving money for retirement gets all the attention. Spending that money intelligently is the hard part. In this episode, Tyler tackles the part of retirement no one really teaches: how to draw down your money without running out, losing sleep, or overpaying in taxes. Accumulation is mostly math and discipline. Decumulation is judgment, flexibility, and understanding tradeoffs. This is a practical walkthrough of dynamic retirement income strategies — not rigid rules — and why the approach your parents used probably doesn’t work anymore. In this episode, Tyler breaks down: Why retirement drawdown is harder than saving — and why there’s no single “right” rule The three main income strategies in retirement: selling growth assets, living off dividends, and fixed income How the 4% rule actually works — and why it shouldn’t be followed blindly The pros and cons of dividend-focused portfolios, including tax implications When bonds, ladders, and annuities can make sense as income stabilizers Why inflation is the silent risk most retirees underestimate The most tax-efficient order to withdraw from accounts How Roth conversions, low tax brackets, and timing can save real money Along the way, Tyler explains why flexibility beats optimization, why peace of mind matters as much as returns, and why most retirees end up using a blend of all three strategies, not just one. This episode isn’t about squeezing every last dollar out of your portfolio. It’s about making your money last long enough to enjoy it — and knowing how to adapt as markets, taxes, and life change. If you’re approaching retirement, thinking about early retirement, or just want to understand how the endgame actually works, this episode gives you a solid framework to start from. And if the show has been helpful, leaving a quick review on Apple Podcasts or Spotify genuinely helps. As always, hope this gives you something worth thinking about this week.
    Show More Show Less
    39 mins
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