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Your Money Guide on the Side

Your Money Guide on the Side

Written by: Tyler Gardner
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About this listen

 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
  • The Only Investing Rule You Will Ever Need

    The Only Investing Rule You Will Ever Need
    Mar 2 2026
    As always, a MASSIVE thank you to this week's partners: Fabric: if anybody relies on your income, you need to consider term life insurance asap. Check out meetfabric.com/tyler to find out the right coverage for you and your loved ones. Facet: and even though I WANT to offer you all direct advice, I can't, as I don't know you. But Facet can, and they continue to practice exactly what I preach. Check out joinfacet.com/tyler today. And on to the show notes! “How should a 60-year-old invest?” It sounds like a reasonable question. It’s also the wrong one. In this episode, Tyler dismantles the idea that your age should determine your portfolio — and replaces it with a framework that actually works: invest based on when you need the money, not how many birthdays you’ve had. Because two people the same age can — and often should — invest completely differently. Instead of age-based formulas like “110 minus your age,” Tyler introduces a simpler system: The Three Bucket Framework Bucket 1 (0–2 years): Cash, money markets, short-term treasuries. Zero stock exposure. Bucket 2 (2–10 years): A glide path. Years until goal = % in stocks. Bucket 3 (10+ years): 100% stocks in low-cost index funds. That’s it. This episode walks through real examples — retirees, early retirees, 30-year-olds saving for houses, 70-year-olds investing for grandkids — to show why timeline beats age every time. Tyler also explains: Why sequence-of-returns risk matters more than age How to structure withdrawals using the bucket system Why most “conservative by default” advice is lazy The 10 investing terms you actually need to understand How to match allocation to goals without overcomplicating it The core idea is simple: Your timeline is your allocation. Stop asking how a 60-year-old should invest. Start asking when the money will be spent. If this framework changes how you think about your portfolio, leaving a quick review on Apple or Spotify genuinely helps. Hope this gives you something to think about this week.
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    32 mins
  • The $2 Million Plan No Advisor Wants You to See - The Details

    The $2 Million Plan No Advisor Wants You to See - The Details
    Feb 23 2026
    A simple retirement plan is easy to explain. Living with it is harder. In this episode, Tyler revisits his 90% stocks / 10% money market retirement strategy — not to defend it, but to answer the practical questions that matter: When do you cut spending? When do you increase it? How do you rebalance without overreacting? And how do you rebuild cash after a downturn without missing the recovery? This is the execution episode. In this conversation, Tyler covers: How to use guardrails to adjust spending automatically When to reduce withdrawals — and when to raise them How often to rebalance (once a year is plenty) Why you only replenish cash after markets recover How automation keeps emotions out of the process The strategy remains intentionally simple: spend from cash during downturns, rebalance annually, and let math — not headlines — drive decisions. This episode isn’t about market timing. It’s about having rules in place so you don’t panic when volatility shows up. If the original 90/10 allocation made sense to you, this episode shows you how to actually stick with it. And 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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    28 mins
  • 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
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