Tyler Gardner

speaker

5,337 appearances 12 recordings 1 series first heard Jun 2026 last heard yesterday

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 — 12 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

I sat with Edward for two hours that morning. voice-verified

We ran the numbers over and over. voice-verified

We projected his portfolio to age 95 at a 3% withdrawal rate. voice-verified

Then at a 4% withdrawal rate, then at a 5-6% withdrawal rate. voice-verified

Every projection ended with him dying with more money than he had retired with, often substantially more. voice-verified

The math was in the gentlest possible way, embarrassing. voice-verified

So Edward listened, he nodded, he thanked me, he went home. voice-verified

We followed up six months later. voice-verified

He had still not taken the vacation. voice-verified

This is part 5 of the Decumulation Series, the final episode. voice-verified

And it is, I want to say up front, the episode the entire series has been pointing toward. voice-verified

Because everything we've covered up to this point: the buckets and the withdrawal orders and the Roth Conversions and the Irma Cliffs and the rising glide paths and the guardrails, all of it, every minute of it, was the technical scaffolding. voice-verified

for a question we have not yet asked directly. voice-verified

The question is, how do you actually spend the money you just spent your whole life not spending? voice-verified

And I'll be honest with you, I don't have a tidy answer to that question, as it's going to be different for different people. voice-verified

I do have a framework. voice-verified

I also have some philosophy, surprise. voice-verified

I have, I hope, a few useful provocations, but the question itself, the question, voice-verified

The question of how to be in right relationship with money that you spent 40 years not being in relationship with is one of the deepest questions a human being can ask, and I'm genuinely not sure that anyone has quite cracked the code. voice-verified

But today we're gonna try, we're gonna wander around a bit, and this will be a meandering walk. voice-verified

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