Your Money Guide on the Side
Your Money Guide on the Side
Podcast Description
Your go-to podcast for mastering money and investing. Hosted by Tyler Gardner, a trusted influencer with over 2M 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.
Podcast Insights
Content Themes
The podcast covers financial literacy, investment strategies, emotional resilience in investing, and optimizing personal finances, with episodes like Political Nonsense exploring the impact of political events on market behavior and TikTok Bans discussing the importance of diversifying income streams. The show emphasizes long-term investing principles and emotional awareness to navigate market volatility.
Your go-to podcast for mastering money and investing. Hosted by Tyler Gardner, a trusted influencer with over 4M 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.
As always, a MASSIVE thank you to this week’s sponsors!
- 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.
- Bilt: → joinbilt.com/tyler to get rewarded for your biggest annual expense!
- Copilot Money: → try.copilot.money/tyler and use code TYLER2 for two free months.
- Gelt: → joingelt.com/tyler and see if you can get your business tax planning to the next level in 2026 and beyond!
And now, on with the show notes!
Most retirement withdrawal conversations focus on one number:
4%? 5%? 6%?
But that misses a much bigger variable:
Taxes.
In this episode, Tyler revisits his $2 million retirement portfolio framework and explains why the real issue isn’t just how much you withdraw — it’s how much you keep after taxes.
Because two retirees can withdraw the exact same amount and end up with very different lifestyles depending on how their accounts are structured.
In this episode, Tyler covers:
- Why after-tax returns matter more than headline portfolio returns
- The hidden cost of relying too heavily on traditional IRAs and 401(k)s
- How Roth conversions can reduce future tax pain
- Why taxable brokerage accounts are one of the most underrated retirement tools
- How the 0% capital gains bracket can legally lower taxes in retirement
- Why withdrawal order matters: taxable, pre-tax, and Roth accounts each play different roles
- How poor tax planning can quietly reduce spending power for decades
Tyler also explains why the classic withdrawal-rate debate often misses the point entirely.
A 6% withdrawal with poor tax planning may feel like 4.75%.
A well-structured 6% withdrawal may feel like…6%.
The core idea:
The goal was never to withdraw less. The goal was always to keep more.
This episode isn’t about tax gimmicks or loopholes.
It’s about understanding the rules well enough to make smarter decisions with the money you’ve already built.
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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