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

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

You might have heard others refer to this as the wrapped tax bomb, and I think it's the single most useful mental model for understanding traditional IRAs. voice-verified

Every dollar in there is going to be taxed at your ordinary income rate the moment it comes out. voice-verified

Not your cap gains rate, not some special retirement rate. voice-verified

Your full, regular, no discount, no coupon, ordinary income rate. voice-verified

Whatever the tax brackets look like in the year you withdraw, that's the rate. voice-verified

And unfortunately, we don't have control over what those rates might look like in the future. voice-verified

This matters because most retirees look at their traditional IRA balance and they feel rich. voice-verified

And they are, just not quite as rich as the screen suggests. voice-verified

The screen is showing you the gross. voice-verified

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