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

Pay the tax later, involuntarily, at whatever rates exist when the IRS demands it. voice-verified

This is what happens if you do nothing. voice-verified

Eventually, at 73 or 75, depending on when you were born, the RMDs start and the bill becomes mandatory. voice-verified

Option three, you die and you let your kids pay it at their respective tax rates on an accelerated timetable. voice-verified

This is usually the worst option for most families for reasons we'll get into later. voice-verified

So the whole game becomes option one versus option two. voice-verified

which one is cheapest for you, your spouse, and your heirs collectively, given the realistic range of future tax environments. voice-verified

And almost nobody asks the question this way. voice-verified

Most retirees default to option two, do nothing, let RMDs handle it, because option two requires no additional action, and humans are biased towards whichever option requires no additional action. voice-verified

And voice-verified

The IRS, I should note, is delighted by said bias, as this bias or indecision or inaction, if you will, results in roughly $1.4 trillion of the federal tax base. voice-verified

Don't be the bias. voice-verified

Be the active decision. voice-verified

I've said it before and I'll say it endlessly. voice-verified

Whether you do or don't take advantage of Roth conversions, you always want to be in control of the things you can control in finance and investing. voice-verified

And when and how the federal government collects taxes is one of the things you actually can control. voice-verified

This episode is brought to you by Gelt. voice-verified

Most of you listening probably already work with someone for taxes. voice-verified

But if you're a solopreneur, a real estate investor, or a high net worth individual whose CPA has gone completely radio silent since April, this is for you. voice-verified

A great CPA gets in touch with you. voice-verified

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