Tyler Gardner

speaker

5,337 appearances 12 recordings 1 series first heard Jun 2026 last heard 2d 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 — 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

Most retirement content is built around the fear of running out. voice-verified

The 4% rule exists because of the fear of running out. voice-verified

The bucket framework exists because of the fear of running out. voice-verified

The conservative glide path, the cash buffer, the guardrails, all of it is structurally biased toward the catastrophe of outliving your money. voice-verified

The bias is reasonable. voice-verified

Running out of money in your eighties is a terrible outcome, and it deserves serious planning attention. voice-verified

But there is also another outcome, even more common, in fact, way more common, that no one talks about with the equivalent seriousness. voice-verified

The outcome where you die with $3 million you never spent. voice-verified

The outcome where you spent 11 years not taking the vacation. voice-verified

The outcome where you didn't take your grandchildren to Europe when they were 10 because you might need the money when you're 90. voice-verified

And then you get to voice-verified

to ninety and you still have this money and your grandchildren are thirty-five and the window for that kind of trip that you would have taken with them when they were ten has closed permanently. voice-verified

That outcome, to me, is a tragedy. voice-verified

It's just a tragedy that's harder to see because it doesn't have a visible failure state. voice-verified

There's no moment where the money runs out. voice-verified

There's no phone call to a child asking for help. voice-verified

There's just this slow accumulation of things not done, dinners not eaten, gifts not given, experiences not had. voice-verified

And then at the end, in a state that goes to children who are themselves in their sixties and don't particularly need it. voice-verified

Bill Perkins wrote a book a few years back called Die With Zero. voice-verified

I've talked about this on a few episodes. voice-verified

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