Tyler Gardner

speaker

5,337 appearances 12 recordings 1 series first heard Jun 2026 last heard 6d 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 $250,000 Mistake Most Retirees Never Know They Made · 3 Aug 2026 podcast

And no, not even my editor at Norton has seen this writing yet. voice-verified

This sneak peek is yours to keep, delivered to your inbox in early September. voice-verified

Pre-order today and you're locked in for every monthly incentive through December 1st. voice-verified

TylerGardner.com slash book. voice-verified

Now let's get into it. voice-verified

Several years ago, I sat down with a very nice retired couple. voice-verified

Let's call them Jim and Linda, because every example couple in personal finance is named Jim and Linda. voice-verified

Now, they came to me convinced they had done everything right. voice-verified

They had saved aggressively. voice-verified

They had maxed every tax-deferred bucket the IRS had ever invented. voice-verified

And by the time they walked into the meeting, they had about $3.5 million in a traditional IRA, $180,000 in a Roth, and a paid-off house. voice-verified

Jim was 71. voice-verified

Linda was 69. voice-verified

They both looked at me with the kind of calm financial satisfaction that comes from doing 35 years of correct things in a row. voice-verified

And one of the first questions I asked them is, have you done any Roth conversions? voice-verified

They had not. voice-verified

We did a quick calculation on a notepad. voice-verified

I told them, as gently as I could, that they had just spent the last six years — the years between Jim's retirement at 65 and the RMD start at 73 — sitting on top of the single greatest tax arbitrage available to retirees in the modern US tax code, and they hadn't quite taken advantage of it. voice-verified

conservative estimate of the missed opportunity just in undone Roth conversions during those six years, somewhere between $180,000 and $250,000 in lifetime federal taxes that were now going to be paid for absolutely no good reason except that nobody had ever taught them how to do Roth conversions. voice-verified

Linda looked at Jim, Jim looked at me, the room got a little quiet. voice-verified

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