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

Welcome to part three of the Daccumulation series, and it is, by my count, the most expensive episode you will listen to all year. voice-verified

Not because it costs you anything, as always, this is all free, but because the cost of not understanding what's in it, compounded over the rest of your life, voice-verified

is actually staggering. voice-verified

Today we're going to address three topics that very few people I know explain properly and simply. voice-verified

Roth conversions, RMDs, and the Irma cliff. voice-verified

So, sit back, you might want to bring a pen, maybe a glass of wine, and I'll do my best to simplify what needs to be simplified. voice-verified

Part 1. voice-verified

Why your traditional IRA is a beautiful thing for both you and the IRS. voice-verified

I want to start by reframing how you think about your traditional IRA. voice-verified

Because the standard framing is kind of wrong, and the wrong framing leads to the wrong decisions for 30 straight years. voice-verified

The standard framing, and I've been very guilty of this, goes like this. voice-verified

Ooh, my traditional IRA is worth $1.2 million. voice-verified

Therefore, I have $1.2 million. voice-verified

I am a person with $1.2 million in retirement savings. voice-verified

And this is, I'm sorry to report, not quite true. voice-verified

What you actually have, if your traditional IRA holds $1.2 million, is, depending on your future tax brackets, somewhere between $720,000 and $960,000 in spendable money. voice-verified

The rest belongs to the federal government. voice-verified

They just haven't asked for it yet. voice-verified

You're holding it for them. voice-verified

You are, in fact, a slightly fancy escrow account on behalf of the US Treasury, and the Treasury will eventually send someone over to collect. voice-verified

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