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.

Trend

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

The title is provocative on purpose. voice-verified

His central argument is that the goal of a financial life is not to maximize the size of your portfolio at death. voice-verified

It is to maximize the experiences purchased with your portfolio across the entirety of your life. voice-verified

Money has a time value, but so does experience. voice-verified

A trip you take at 65 is not the same trip. voice-verified

trip you would have taken a 35, and not because the destination would be different. voice-verified

The trip is different because you are different at 65 than you were at 35. voice-verified

The 35-year-old version of you who would have taken that trip no longer exists. voice-verified

The 65-year-old can take a different trip and should, but the 35-year-old's trip is gone permanently, regardless of how much money you have. voice-verified

This is, I think, the most underweighted in retirement planning. voice-verified

Money has a half-life. voice-verified

Or more precisely, the utility of money has a half-life. voice-verified

A dollar in your 60s buys a different set of experiences than a dollar in your 40s. voice-verified

A dollar in your 80s buys a smaller set still. voice-verified

By the time you reach your 90s, most of what voice-verified

what money could have bought you, the physical adventures, the long travel, the active engagement with grandchildren who are now adults is gone. voice-verified

Not because you can't afford it, but because your body or theirs or both no longer accommodate it. voice-verified

The cost of oversaving is the cost of foregone experience that no future spending can recover. voice-verified

It's the cost of arriving at the finish line with a great deal of unused fuel and no race left to run. voice-verified

I'm not telling you to spend recklessly. voice-verified

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