Tyler Gardner

speaker

5,748 appearances 13 recordings 1 series first heard Jun 2026 last heard yesterday

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 — 13 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

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

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

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