Tyler Gardner

speaker

4,898 appearances 11 recordings 1 series first heard Jun 2026 last heard 4d ago

Tyler Gardner’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 11 in all, peaking in Aug 2026 with 5.

Appearances

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Your Money Guide on the Side · The $4.2 Million Man Who Couldn't Spend His Own Money · 17 Aug 2026 podcast

Some things just take a little more planning, and maybe a little more ibuprofen. voice-verified

You have the retirement of your 80s when the world starts to contract. voice-verified

Travel becomes shorter and shorter. voice-verified

Closer to home, the pace slows, the pleasure becomes more local, a walk, a meal, a conversation, a familiar landscape, the body is more deliberate, the mind is, if you've tended to it, still entirely yours. voice-verified

And for many of you, you might have the retirement of your 90s, which is what it is. voice-verified

A great gift if you have it, a period in which the calendar of pleasure is very, very local. voice-verified

The important thing voice-verified

To note is these four phases are not equal in their capacity to use money. voice-verified

They are in fact dramatically unequal. voice-verified

I've mentioned this several times in my argument about why you should take Social Security earlier. voice-verified

A dollar in your 60s can buy a multi-week trip across Europe with your spouse, including hikes and museums and long dinners and the kind of physical engagement that requires legs and lungs. voice-verified

and stamina. voice-verified

the same dollar in your nineties, even if your nineties are healthy, will not buy that same trip, and you won't have thirty years of memory of that same trip. voice-verified

It will buy something else, something perhaps quieter, perhaps more meaningful, but something different. voice-verified

The framework's prescriptive force is this. voice-verified

Front load your spending toward the experiences whose value depreciates with age. voice-verified

the long international trip, the physical adventure, the active engagement with grandchildren who will themselves not be young for long, the cabin you've always wanted, while you still have the energy to spend weeks there. voice-verified

These are the experiences whose half-life is shortest. voice-verified

They are also, almost universally, the ones retirees most consistently defer. voice-verified

The same logic does not apply to all expenses. voice-verified

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