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

They want someone to look at the numbers and tell them, with the authority that comes from doing this for a living, that they are allowed to take the trip, allowed to buy the cabin, allowed to give the grandchildren the wedding present, allowed to live the life they spent forty years funding. voice-verified

But here's the strange thing. voice-verified

the permission, even when granted by a competent advisor, often doesn't take voice-verified

The advisor can say with all the authority in the world, Edward, you have enough, go on vacation. voice-verified

And Edward says, Awesome, thank you. voice-verified

And Edward does not go on vacation, because the permission granted by an external authority never quite penetrates the internal architecture of identity that says, I'm not the kind of person who takes vacation. voice-verified

That permission has voice-verified

Has to be self-granted. voice-verified

And self-granted permission is one of the hardest psychological feats a human being can perform. voice-verified

Anne Lamot once wrote in Bird by Bird that perfectionism is a mean frozen form of idealism. voice-verified

I would add that hoarding as self-concept is also a mean frozen form of discipline. voice-verified

The discipline that built the savings becomes in retirement the frozen form that prevents you from using them. voice-verified

So, what does self-granted permission look like practically? voice-verified

It looks like a small, deliberate, repeated practice of spending in ways that violate your old identity. voice-verified

Not recklessly, not unsustainably, but intentionally. voice-verified

You take the slightly nicer hotel room when you travel, you order the appetizer and the entree, you buy your spouse the gift you would have previously talked yourself out of, and you do this not because the gift matters in itself, but because the act of doing it begins to construct a new identity. voice-verified

The identity of someone who is allowed to enjoy the work of the previous four decades. voice-verified

The practice is repetitive. voice-verified

On purpose, each small spending act is a brick in the new identity. voice-verified

In my conversation with him on the podcast last year, Bill Perkins described this type of intentional spending as making sure you don't allow your muscles to atrophy. voice-verified

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