Your Money Guide on the Side Podcast Por Tyler Gardner arte de portada

Your Money Guide on the Side

Your Money Guide on the Side

De: 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 Economía Finanzas Personales Gestión y Liderazgo Liderazgo
Episodios
  • The $172,000 Retirement Surprise (And Exactly How to Avoid It)

    The $172,000 Retirement Surprise (And Exactly How to Avoid It)
    Apr 6 2026
    Pre-Order Tyler's First Book, Real Wealth, ⁠here⁠ & be immediately eligible for exclusive bonuses between now and December 1st! April Bonus: Free two-hour digital live event on Wednesday, May 6th from 7-9pm EST, where Tyler will answer the most commonly asked questions and walk through what you can expect from the book! And as always, a MASSIVE thank you to this week's sponsors: Thrive Market: Get $20 off your first three orders plus a FREE $60 gift if you order at thrivemarket.com/tyler today. Facet: find out why I have been endorsing Facet for over 18 months now by checking out ⁠facet.com/tyler⁠. They are a one-stop shop for financial planning, investment management, tax strategy, and retirement planning. And best part: it's all for one flat annual membership fee. And on to the show notes! No one wants to think about long-term care. Which is exactly why most people don’t plan for it. In this episode, Tyler tackles one of the most uncomfortable — and most overlooked — parts of financial planning: what happens if you live long enough to need care. Because longevity is a gift. And financially, it’s also a risk. In this episode, Tyler covers: The reality that ~70% of people over 65 will need some form of long-term care What long-term care actually means (it’s not just nursing homes) The real costs — from home care to assisted living to memory care Why long-term care is separate from normal retirement planning The four ways to pay for it: self-insuring, Medicaid, traditional insurance, and hybrid policies Why Medicare doesn’t cover what most people think it does How to estimate your true long-term care exposure (and why it can reach seven figures) The biggest mistakes people make — including relying on kids or “figuring it out later” Tyler also lays out a clear, practical framework: Understand your numbers. Decide who pays. And make the decision before you need it. The core idea: A retirement plan isn’t complete until it answers one question — what happens if care is required? Because this isn’t just a financial decision. It’s a decision that affects your spouse, your kids, and how the last chapter of your life actually plays out. 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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    46 m
  • Why I'm Taking Social Security at 62 (And Why the "Wait Until 70 Crowd" Might Want to Pay Attention)

    Why I'm Taking Social Security at 62 (And Why the "Wait Until 70 Crowd" Might Want to Pay Attention)
    Mar 30 2026
    Pre-Order Tyler's First Book, Real Wealth, here & be immediately eligible for exclusive bonuses between now and December 1st! As always, a MASSIVE thank you to this week's sponsors: LMNT⁠: regardless of who much money you have, if you're not feeling your best physically and mentally, it means very little. That's why I drink ⁠LMNT⁠ daily (well, multiple times a day) to continue to be as productive as I can be after my workouts. Try ⁠drinklmnt.com/tyler⁠ today and let me know what your favorite flavor is! Copilot Money⁠: if you are looking for one of the most well-designed money apps out there, check out ⁠Copilot Money⁠ today. My friends and family continue to rave about it, and they now have all of their money needs in one place. Check out ⁠try.copilot.money/tyler ⁠today and use code TYLER2 for two free months, so you can see if it works for you! Anthropic⁠: I use Claude AI every single day as a thought partner and business strategist. To become more efficient and solve problems more quickly and effectively, check out ⁠claude.ai/tyler⁠ today. There is no single business move I have made in the past year that has been more worthwhile and productive. And on to the show notes! When should you take Social Security? It’s one of the most debated — and most personal — financial decisions you’ll ever make. In this episode, Tyler makes a serious, data-backed case for taking benefits at 62 — not as a blanket recommendation, but as a counterpoint to the conventional advice to always wait. Because this decision isn’t just math. It’s math layered on top of real life. In this episode, Tyler covers: The break-even math between taking benefits at 62, 67, and 70 Why waiting only “wins” if you live past your late 70s or early 80s The idea that a dollar at 62 isn’t equal to a dollar at 82 How the “go-go, slow-go, no-go” phases of retirement change how money is experienced The often-overlooked healthcare gap between 62 and 65 — and what it can cost How the earnings test reduces (but doesn’t eliminate) benefits if you keep working Why Social Security decisions should factor in your spouse’s survivor benefit Tyler also introduces a practical framework — six key questions — to help you make the decision based on your own life, not a generic rule: Health. Healthcare. Work status. Income needs. Spousal impact. And how you actually want to spend your time. The core idea: This isn’t about maximizing dollars. It’s about maximizing life. For some people, waiting is the right call. For others, taking it early — and using that money when it matters most — may be the better decision. 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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    40 m
  • 5 AI Prompts That Will Change How You Manage Money (And 3 Things It Still Gets Dead Wrong)

    5 AI Prompts That Will Change How You Manage Money (And 3 Things It Still Gets Dead Wrong)
    Mar 23 2026
    As always, a MASSIVE thank you to this week's sponsors: Gelt: I will forever regret not prioritizing a tax strategist early in my solopreneur journey. Don't make the same mistake I did and leave money on the table. If you are a business owner or a high net worth individual, check out Gelt today at joingelt.com/tyler. Fabric: there is a reason that term life insurance is number 4 in my financial order of operations, before an Emergency Fund, and before funding the Roth IRA. If anyone else depends on your income, cross this off your list today in ten minutes at meetfabric.com/tyler. And on to the show notes! AI isn’t replacing financial advisors. But it is getting surprisingly good at doing one of the most valuable parts of the job: stopping you from making bad decisions. In this episode, Tyler breaks down how to actually use AI as a financial tool — not for stock picks or shortcuts, but for clarity, structure, and behavioral coaching. Because the biggest gap in investing isn’t information. It’s execution. In this episode, Tyler covers: Why most investors underperform the market — and how behavior drives that gap How to build a complete financial snapshot for better decision-making How to use AI to uncover your real risk tolerance (not the one you think you have) How to create a simple, diversified investment strategy using structured prompts Why asset location (where you hold investments) matters more than most people realize How to stress test your plan using worst-case scenarios and Monte Carlo thinking How to use AI as a behavioral guardrail during market volatility The real risks: privacy concerns, bad prompts, and AI hallucinations The core idea: AI is a tool, not a replacement for judgment. Used well, it can help you think more clearly, avoid emotional decisions, and build a plan you actually understand. Used poorly, it can give you confident-sounding answers to the wrong questions. If you take one thing from this episode, it’s this: Better inputs lead to better decisions. And if AI helps you slow down, ask better questions, and avoid one major mistake, it’s already paid for itself. 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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    37 m
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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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My husband and I have been listening to Tyler for several months now. We really enjoy the way. He delivers information about investing. It’s very clear, much more understandable than some of the advice we’ve been given in the past. And he often shares this advice with some interesting anecdotes. Overall, we have learned a lot and instead of handing money to our investor like we have done in the past, we’ve opened our own brokerage accounts and begun investing there these episodes are not overly long, so give us great information in a relatively short amount of time….highly recommend!

Understandable advice.

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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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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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