Tyler Gardner

speaker

5,337 appearances 12 recordings 1 series first heard Jun 2026 last heard 21 Sep

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.

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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 it has three parts. voice-verified

Reason one, the years between when you retire and when RMDs start are almost without exception the lowest tax rate years of your entire adult life, maybe minus your 20s. voice-verified

And so sorry, we might have missed that window. voice-verified

Your earned income has dropped to zero. voice-verified

You might not be collecting Social Security yet, or you're collecting only a portion of it. voice-verified

Your taxable investment income is whatever you've structured it to be. voice-verified

You are, for a beautiful window of roughly eight years, in the lowest tax bracket you have ever inhabited as an adult and will ever inhabit again. voice-verified

These are the cheap years. voice-verified

The conversion window. voice-verified

And once they're gone, they're gone. voice-verified

RMDs start, Social Security ramps to full benefit, and you're pushed back into higher brackets for the rest of your life. voice-verified

The eight-year window between retirement, roughly 65, and RMD age, roughly 73, is a structural gift from the tax code that exists for exactly one reason, to be exploited. voice-verified

Reason two, the odds of tax rates going up? voice-verified

It's not zero. voice-verified

I want to be careful here because I have no political agenda and predicting tax policy is fraught. voice-verified

But the structural facts are these. voice-verified

The US federal debt is at historic highs. voice-verified

Social Security and Medicare do face significant funding pressure over the next 20 years. voice-verified

The current bracket structure, the one we got from the 2017 Tax Act, is scheduled to sunset, after which rates revert to the pre-2017 levels, which were noticeably higher. voice-verified

Even if Congress extends the current brackets again, the long-term trajectory of federal tax rates over a 35-year retirement is usually up, not down. voice-verified

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