『Your Money Guide on the Side』のカバーアート

Your Money Guide on the Side

Your Money Guide on the Side

著者： Tyler Gardner
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 Your go-to podcast for mastering money and investing. Hosted by Tyler Gardner, a trusted influencer with over 3M followers, Your Money Guide on the Side simplifies the complex, adds nuance to what seems simple, and connects you with the brightest minds in finance, investing, and business. Whether you’re just starting or leveling up, this is your one-stop resource to navigate your own finances with clarity, confidence, and a bit of fun. Let’s get you one step closer to where you need to be.© 2025 Your Money Guide on the Side マネジメント・リーダーシップ リーダーシップ 個人ファイナンス 経済学
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  • Your Brain Is Stealing $245,000 From Your Retirement (Here's How to Stop It)

    Your Brain Is Stealing $245,000 From Your Retirement (Here's How to Stop It)
    2025/12/15
    Here are a few helpful resources from the people who support this show and keep it free for you. Always. If you’ve ever wondered whether you’re doing “fine” with your money or just hoping future-you figures it out, Facet sets you up with a team of expert CFP® professionals who look at your entire financial life — not just your investments, and not just the parts that are fun to talk about at dinner parties. No commissions. No product pushing. Just real advice for one flat annual membership fee. If you're interested in heading into 2026 with a real financial plan from real experts, check out Facet today, here. -- Most people don’t lose money because they pick terrible investments. They lose money because they’re human. In Part 1 of this two-part series on behavioral economics, Tyler walks through the five most common psychological biases that quietly, systematically sabotage investment returns — even when you’re invested in low-cost index funds and “doing everything right.” This episode is about the stuff that happens between your ears. The mental shortcuts. The overreactions. The stories we tell ourselves after the fact. In this episode, we cover: Why overconfidence makes investors trade more and earn less How recency bias convinces us that whatever just happened will keep happening Why we overvalue the investments we already own (even when we shouldn’t) How loss aversion turns normal market volatility into bad decisions Why hindsight bias makes the past feel obvious and the future feel predictable (it isn’t) This isn’t about being smarter than the market. It’s about building systems that protect you from your own instincts — automation, diversification, fewer decisions, and a little less checking. If the show has helped you think differently about money — maybe even made you laugh while doing it — please take 30 seconds to leave a review on Apple or Spotify. It helps more than you think and keeps this whole experiment in free, digestible financial literacy alive and well.
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    50 分
  • 5 Things I Won't Do With My Money in 2026

    5 Things I Won't Do With My Money in 2026
    2025/12/08
    Here are a few helpful resources, from those who continue to make this show possible for and accessible to you. Visit them today to learn more! To experience what you've been missing by paying rent without getting some amazing rewards along the way, check out how Bilt can help you, here. And if you're like me and have started a small business and don't want to make managing your taxes your SECOND business, explore Gelt today, here. There’s something oddly therapeutic about deciding what not to do with your money next year. Like a financial New Year’s resolution — but with fewer spreadsheets and way less kale. In this episode, Tyler flips the usual “5 things millionaires do” format on its head and shares the five things he refuses to do with his money in 2026. From why he won’t pay off his mortgage early to why high-yield savings accounts aren’t the financial flex you think they are, this episode is all about resisting motion for motion’s sake and reclaiming simplicity in a culture obsessed with doing more. You’ll learn: Why not paying off your mortgage early can actually make you money (hint: opportunity cost). Why high-yield savings accounts aren’t as “safe” or “smart” as they seem — and what to use instead. The trap of saving or investing just to feel responsible, and how to reconnect your money with purpose. Why spending for the sake of deductions is just expensive procrastination (and how to stop doing it). How to keep your portfolio simple — and why complexity almost always costs more than it earns.Tyler reminds listeners that real wealth isn’t about doing more — it’s about doing less, better. This is your invitation to create your own “Not To Do” list for 2026: the habits, purchases, and pressures you’re done with. If the show has helped you think differently about money — maybe even made you laugh while doing it — please take 30 seconds to leave a review on Apple or Spotify. It helps more than you think and keeps this whole experiment in free, digestible financial literacy alive and well.
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    33 分
  • The $2 Million Portfolio Plan No Advisor Wants You to See

    The $2 Million Portfolio Plan No Advisor Wants You to See
    2025/12/01
    If you’ve ever wondered how to invest $2 million—or any substantial portfolio—without losing sleep, this episode is for you. I break down a simple, historically backed approach: 90% in stocks (VOO/VTI), 10% in a money market fund (SPAXX). This allocation maximizes growth, keeps volatility manageable, and allows you to spend confidently. We challenge conventional wisdom: the 4% rule is too conservative for most retirees. With disciplined withdrawals of $120k–$200k per year, your portfolio can keep pace with inflation, fund meaningful experiences, and still grow over time. Think of it as the financial equivalent of having your cake, eating it, and watching it regenerate. We also tackle the psychology of spending: most retirees underspend, living smaller than necessary due to “consumption gap anxiety.” Intentional withdrawals for travel, family experiences, and “bucket list” adventures can bring more lasting happiness than accumulating wealth alone. Historical context matters: even through market crashes—2008, 2020—you can maintain your lifestyle using a 10% cash buffer. Percentages matter more than principal; the strategy scales from $500k to $20M. And if it's good enough for Buffett's estate...it's good enough for me. Key Highlights: Percentages over principal: 90/10 allocation works for nearly any portfolio size. Withdraw confidently: $120k–$200k/year supports lifestyle while portfolio grows. Spend for experiences: vacations, relationships, and quality of life matter more than hoarding. Liquidity is your friend: 10% in cash lets you ride out crashes without selling stocks. High-stakes bingo: later in retirement, increase withdrawals for “once-in-a-lifetime” experiences. Resources and research mentioned in this episode: William Bengen, 4% Rule (1994) Michael Kitces on dynamic withdrawals Wade Pfau, Safety-First Retirement Planning Bill Perkins, Die With Zero David Blanchett, Retirement Spending Smile If this episode helps you feel more confident about using your money to live well, consider leaving a review on Apple or Spotify. Your feedback helps keep this financial literacy experiment alive. And if you're still feeling stuck and are looking for expert advice for a flat annual membership fee, check out this episode's sponsor, Facet, by going to facet.com/tyler
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    37 分
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