Your Money Guide on the Side

How to Build an Inflation-Proof Portfolio (And 3 Mistakes to Avoid)

Pre-order Tyler's book, Real Wealth, at ⁠⁠⁠⁠⁠tyler.gardner.com/book⁠⁠⁠⁠⁠ [https://tylergardner.com/book] and be eligible for all monthly incentives between now and December 1st! And as always, a MASSIVE thank you to this week's sponsors: * LMNT⁠: → ⁠drinklmnt.com/tyler⁠ [https://drinklmnt.com/tyler] Become an INSIDER, just order the INSIDER Bundle–four boxes for the price of three, best value they offer–and get early access to limited time flavors and cool surprise gifts along the way. * Wispr Flow: → wisprflow.ai/tyler [http://wisprflow.ai/tyler] for one free month of Wispr Flow Pro free! * ⁠⁠⁠ [https://livemomentous.com]⁠⁠Copilot Money⁠ [https://www.copilot.money/tyler]⁠: → ⁠⁠www.copilot.money/tyler⁠⁠ [https://www.copilot.money/tyler] — use code TYLER2 for two free months.⁠ * ⁠⁠Fabric [https://meetfabric.com/tyler]⁠⁠: → ⁠⁠meetfabric.com/tyler [https://meetfabric.com/tyler]⁠⁠ because if someone depends on your income, term life insurance is the next step you should take today. And on to the show notes!! Inflation doesn't usually destroy wealth overnight. It does it slowly. A little bit each year. A little less purchasing power. A little more expensive to maintain the same lifestyle. And over a long retirement, those small changes add up. In this episode, Tyler breaks down how investors can build portfolios that are designed to keep pace with inflation, rather than slowly fall behind it. Because protecting your money isn't just about growing it. It's about preserving what it can actually buy. In this episode, Tyler covers: * Why inflation is one of the biggest long-term risks retirees face * The asset classes that have historically done the best job of outpacing rising prices * Why stocks remain the most powerful long-term inflation hedge * How TIPS (Treasury Inflation-Protected Securities) work * The role of real estate and infrastructure in an inflation-resistant portfolio * Why traditional bond-heavy portfolios can struggle when inflation rises * The hidden cost of holding too much cash * How overreacting to inflation headlines can hurt returns more than inflation itself Tyler also walks through three increasingly sophisticated portfolio approaches, ranging from a simple stock-and-TIPS allocation to a more diversified strategy incorporating real assets. The core idea: Inflation isn't a market event. It's a permanent feature of the system. The goal isn't to predict it. The goal is to build a portfolio that's prepared for it. If the show's been helpful, leaving a quick review on Apple or Spotify genuinely helps. Hope this gives you something to think about this week.

13 Money Moves They're Betting You Won't Make

Pre-order Tyler's book, Real Wealth, at ⁠⁠⁠⁠⁠tyler.gardner.com/book⁠⁠⁠⁠⁠ [https://tylergardner.com/book] and be eligible for all monthly incentives between now and December 1st! And as always, a MASSIVE thank you to this week's sponsors: * Keeper [keepersecurity.com/tyler]: → keepersecurity.com/tyler [http://keepersecurity.com/tyler] for 60% off personal and family plans for our podcast listeners only! Use this link, so they know we sent you. * ⁠ [https://facet.com/tyler]⁠Bilt⁠ [joinbilt.com/tyler]: → ⁠joinbilt.com/tyle [joinbilt.com/tyler]r⁠ to find the card that fits your lifestyle! * ⁠⁠⁠ [https://livemomentous.com]⁠⁠ [https://www.copilot.money/tyler]Gelt⁠⁠ [https://joingelt.com/tyler]: → joingelt.com/tyler⁠ [https://joingelt.com/tyler] because Q2 is where strategic businesses make game-changing tax moves. If you're a business or a high-net worth individual, you might want to check this one out today. And on to the show notes!! Most people assume the listed price is the real price. It often isn't. In this episode, Tyler shares a collection of practical money-saving strategies he's used himself — from negotiating internet bills to appealing property tax assessments — and explains why so many financial opportunities come down to one simple skill: Asking. Because companies routinely offer discounts, credits, and incentives that never appear on their websites. In this episode, Tyler covers: * Why calling the retention department can save hundreds per year * How often to shop auto insurance for the best results * The medical bill strategy that can dramatically reduce healthcare costs * Why HSAs may be the most underrated retirement account available * How Roth conversions can create major tax savings in low-income years * The surprisingly effective property tax appeal process * Hidden consumer tricks involving credit cards, Costco pricing, and price protection policies * Why unclaimed property databases are worth checking at least once The common thread through all of these strategies is simple: Most savings opportunities aren't hidden because they're complicated. They're hidden because most people never ask. The companies know it. The people who save money know it. And now you do too. If the show's been helpful, leaving a quick review on Apple or Spotify genuinely helps. Hope this gives you something to think about this week.

Why the S&P 500 is the Best (And Worst) Thing to Ever Happen to Investors

Pre-order Tyler's book, Real Wealth, at ⁠⁠⁠⁠tyler.gardner.com/book⁠⁠⁠⁠ [https://tylergardner.com/book] and be eligible for all monthly incentives between now and December 1st! And as always, a MASSIVE thank you to this week's sponsors: * ⁠⁠⁠⁠ [https://facet.com/tyler]⁠ [https://square.com/go/tyler]Superpower [superpower.com]: → superpower.com [superpower.com]⁠ Use code Tyler for $20 off your membership! And remember, wealth means nothing without your health. * Facet⁠ [facet.com/tyler]: → ⁠⁠facet.com/tyler [facet.com/tyler]⁠ for an exclusive $550 kickstart offer! * ⁠ [https://livemomentous.com]⁠Copilot Money [www.copilot.money/tyler]⁠: → ⁠www.copilot.money/tyler [www.copilot.money/tyler]⁠ — use code TYLER2 for two free months.⁠ * ⁠Fabric⁠ [meetfabric.com/tyler]: → ⁠meetfabric.com/tyler [meetfabric.com/tyler]⁠ because if someone depends on your income, term life insurance is the next step you should take today. And on to the show notes!! Most investors spend their lives trying to beat the market. The problem? The market is already made up of millions of people trying to do the exact same thing. In this episode, Tyler explores what he calls "the tyranny of the benchmark" — the idea that comparing ourselves to the S&P 500 often creates more anxiety, more mistakes, and worse outcomes than simply owning the market in the first place. Because for most investors, matching the market isn't mediocrity. It's success. In this episode, Tyler covers: * How index funds changed investing forever * Why the S&P 500 became a benchmark that many investors misunderstand * The hidden psychological cost of constantly comparing performance * Why beating the market is mathematically harder than most people realize * What you're really competing against when you try to outperform * The behavioral mistakes that consistently hurt returns * Why missing just a handful of the market's best days can dramatically reduce long-term wealth * How fees, overconfidence, and market timing quietly work against investors Tyler also explains why the greatest threat to most portfolios isn't Wall Street. It's the person checking the portfolio. The core idea: The goal isn't to outsmart the market. It's to stop getting in your own way. Own it cheaply. Hold it patiently. Let time do the heavy lifting. Because the most remarkable investing outcomes often come from the most unremarkable investing stories. If the show's been helpful, leaving a quick review on Apple or Spotify genuinely helps. Hope this gives you something to think about this week.

Why I Will Never Retire. And Why the Premise Itself Might Be Wrong.

Pre-order Tyler's book, Real Wealth, at ⁠⁠⁠tyler.gardner.com/book⁠⁠⁠ [https://tylergardner.com/book] and be eligible for all monthly incentives between now and December 1st! And as always, a MASSIVE thank you to this week's sponsors: * ⁠⁠ [https://facet.com/tyler]Square [square.com/go/tyler]⁠⁠⁠: → ⁠⁠⁠⁠⁠ [https://facet.com/tyler]⁠square.com/go/tyler [square.com/go/tyler]⁠ Get up to $200 off Square hardware and run your business smarter today. * ⁠ [https://drinklmnt.com/tyler%E2%81%A0%E2%81%A0]Wispr Flow: [wisprflow.ai/tyler%E2%81%A0] → wisprflow.ai/tyler [http://wisprflow.ai/tyler] for one free month of Wispr Flow Pro free! * Momentous [livemomentous.com]⁠: → ⁠⁠livemomentous.com [livemomentous.com]⁠ Use code Tyler for up to 35% off your first order!⁠ * ⁠ [http://keepersecurity.com/tyler]Anthropic [claude.ai/tyler%20]⁠: → ⁠⁠claude.ai/tyler [claude.ai/tyler%20] ⁠to experience AI for minds that don't stop at good enough. And on to the show notes!! We’ve been sold a very specific version of success: Work for forty years. Retire at sixty-five. Finally enjoy your life. But what if retirement, at least as we think about it, is the wrong goal entirely? In this episode, Tyler makes the case that the wealthiest people don’t retire — they redesign work. Because the real goal isn’t escaping your life. It’s building one you don’t constantly want to escape from. In this episode, Tyler covers: * Why retirement is a relatively modern invention — and why the system was built for a different world * What people like Warren Buffett, John D. Rockefeller, and Jeff Bezos have in common * Why autonomy, purpose, and meaningful work matter more than most financial plans acknowledge * The hidden traps of lifestyle inflation and “golden handcuffs” * Why so many people stay in jobs they dislike (even when they know it) * The difference between trading time for money and building assets that buy time back * Why purpose matters just as much as portfolio size Tyler also shares a more personal reflection on leaving a stable career to build something of his own — and why uncertainty, while uncomfortable, can be worth it. The core idea: Real wealth isn’t retiring from your life. It’s building one you don’t need to retire from. Because the goal was never the finish line. It was finding a game worth playing for a very long time. If the show’s been helpful, leaving a quick review on Apple or Spotify genuinely helps. Hope this gives you something to think about this week.

The 80% Problem: Why Wealthy People Don't Save for a Rainy Day

Pre-order Tyler's book, Real Wealth, at ⁠⁠tyler.gardner.com/book⁠⁠ [https://tylergardner.com/book] and be eligible for all monthly incentives between now and December 1st! And as always, a MASSIVE thank you to this week's sponsors: * ⁠Facet⁠ [facet.com/tyler]: → ⁠⁠facet.com/tyler⁠ [facet.com/tyler] for an exclusive $550 kickstart offer! * LMNT⁠ [drinklmnt.com/tyler%E2%81%A0%E2%81%A0]: → drinklmnt.com/tyler [drinklmnt.com/tyler] Become an INSIDER, just order the INSIDER Bundle–four boxes for the price of three, best value they offer–and get early access to limited time flavors and cool surprise gifts along the way. * ⁠⁠Gelt⁠⁠: [https://joingelt.com/tyler]→ ⁠⁠joingelt.com/tyler [https://joingelt.com/tyler]⁠ because Q2 is where strategic businesses (like mine!) make game-changing tax moves. If you're a business or a high-net worth individual, I'd encourage you to check this one out today. ⁠ * Keeper [http://keepersecurity.com/tyler]: → keepersecurity.com/tyler [http://keepersecurity.com/tyler] for 60% off personal and family plans for our podcast listeners only! Use this link, so they know we sent you. And now, on to the show notes!! We’ve been taught that saving money is responsible: * Save for a rainy day. * Delay gratification. * Spend less. Save more. But what if the way most people save is actually making them slightly poorer? In this episode, Tyler challenges one of personal finance’s most sacred ideas: that keeping large amounts of money sitting in savings is the safest thing you can do. Because safety and stagnation are not the same thing. In this episode, Tyler covers: * Why inflation quietly destroys the value of traditional savings * The hidden cost of opportunity cost — and what cash could have become if invested * Why banks profit from your savings more than you do * The problem with oversized emergency funds sitting idle * Why fear — not math — drives many financial decisions * Smarter alternatives for liquidity, from Treasury bills to Roth IRAs * Why retirees often die with most of their wealth untouched * The difference between saving as a tool vs. saving as an identity Tyler also makes a more personal argument: That many of us inherit financial beliefs built around scarcity, caution, and delayed gratification — even when we no longer need them. The core idea: Money is meant to support your life, not become the thing preventing you from living it. Invest broadly. Keep reasonable liquidity. Spend intentionally on the things that actually matter. And maybe, every once in a while… Eat the shrimp instead of the mashed potatoes. If the show’s been helpful, leaving a quick review on Apple or Spotify genuinely helps. Hope this gives you something to think about this week.