Ep 13 - The Truth About Debt: How to Use It, Beat It, and Stop Feeling Bad About It
Is All Debt Bad? What the Wealthy Know That Most People Don’tDebt doesn’t have to be your enemy—and in this solo episode, Tyler Gardner breaks down how to make smarter decisions about debt, ditch shame, and leverage it as a tool for long-term wealth.Whether you’re currently drowning in high-interest credit cards, juggling student loans, or just debating whether to pay off your 3% mortgage early, this episode is your new north star for how to think clearly about debt. You’ll learn how to:✅ Decide whether to pay off debt or invest✅ Use a practical ranking system to tackle your debt (hello, Debt Emergency Scale!)✅ Think about opportunity cost like an investor✅ Understand the psychological weight of debt—and why some people sleep soundly with it while others spiral✅ Use the avalanche or snowball method depending on your own wiring✅ Flip the script: how leverage (yes, debt!) can be used strategically to build wealth the way entrepreneurs and investors do every dayPlus, Tyler shares a vulnerable reminder that debt isn't a moral failing—it's a part of modern life. The goal isn’t perfection. It’s clarity, action, and momentum.This one is personal. And powerful. And might just change the way you think about debt forever.
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Ep 12 - Andy Schneider - The Educator’s Guide to Money, College, and Real-World Finance
What happens when a former English teacher becomes a CFO—and decides to teach everyone around him how money actually works?In this episode, Tyler sits down with longtime friend and campmate Andy Schneider, a career educator and current CFO at an independent school, for a wide-ranging and deeply honest conversation about what we teach (and don’t teach) about money.Andy has worn a lot of hats—boarding school English teacher, PWC consultant, MBA grad, educational administrator—and he brings a rare combo of humility, humor, and clarity to the messy overlap between education, money, and life purpose.You’ll hear:Why Andy left the classroom—and why he came backHow business was “demystified” for him in the least expected wayWhat actually drives the cost of college (and why some schools won’t survive)The myth of the “money expert”—and how to choose who you trustWhat a CFO wishes more teachers asked him (but never do)🎙️ Plus:The uncomfortable truth about health insurance, school budgeting, and stock-picking competitions in high schoolsWhy college needs a Julliard-style reset for the modern worldAnd why Psychology of Money by Morgan Housel just might be the most important book you’ll ever readThis one’s for anyone navigating careers, family, and the growing pressure of financial decision-making in a world that feels increasingly complex and expensive. Whether you're saving for college or trying to explain your 401(k) to your teenager, this episode helps add clarity, confidence, and maybe even some joy to the process.📚 Education, meet real-world finance.🐶 Also: Tyler’s dogs make a guest appearance with some strong opinions on college tuition.🔍 Highlights & Resources:Book: The Psychology of Money by Morgan HouselConcept: Education vs. College (yes, there’s a difference)Tool: Why every good CFO keeps a whiteboard in their officeFramework: You don’t need to be a teacher to teach📬 Subscribe to Tyler’s newsletter for 3 weekly money insights: tylergardner.com 🎧 More episodes at Your Money Guide on the Side
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Ep 11 - The 3-Step Framework for Solving Any Financial Problem (That's Actually Worth Solving)
Have you ever said, “I’m just bad with money”?Yeah—me too. But what if the real issue isn’t your spending or saving or investing strategy... but your ability to name the actual problem in the first place?This solo episode is a follow-up to last week’s conversation with CFP® Victoria Ferguson, and it’s all about creating a personal framework that helps you stop spinning your wheels and finally make meaningful progress in your financial life.You’ll learn:Why most people never get past step one in solving their money problemsHow to stop drowning in to-do lists and prioritize the right thingA new lens for filtering financial advice (and spotting BS in a sea of influencers)🔍 Whether you’re overwhelmed by credit card debt, unsure how to retire, or simply tired of feeling like you’re doing everything but getting nowhere, this episode gives you the tools to:✅ Name the problem ✅ Prioritize the problem ✅ Solve the problem—without getting lost in the noisePlus:What Warren Buffett’s 25-5 Rule has to do with your financesThe Latin origin of the word “priority” (spoiler: it was never meant to be plural)Why vague financial advice is like shopping at Costco while hungryAnd how smoke alarms at 2 a.m. taught me more about problem-solving than any spreadsheet ever didIf you want clarity, confidence, and a simple way to move forward in your financial life—this episode is for you.🎯 Don’t just solve problems. Solve the right one.
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Ep 10 - Victoria Ferguson - On Money, Meaning, and Saying No to Budgets
What do you get when you combine a financial planner with the heart of a teacher and the boldness of a creator? You get Victoria Ferguson—today’s guest and a true money guide for the modern world.Victoria is a CERTIFIED FINANCIAL PLANNER® who left a traditional finance career to create educational content full-time. Why? Because she knew more people needed clear, honest money guidance—and that trust is built through storytelling, not spreadsheets.In this episode, we talk about:Why budgets are like diets—and why most don’t workWhat really makes someone a financial “expert”The emotional side of money most advisors ignoreHow to interview a financial advisor (with the questions that matter)Why money shame exists at every income levelAnd how to define your own goals before chasing anyone else’s tacticsVictoria shares her best insights from years of working with high-net-worth clients, her decision to walk away from a stable paycheck, and what it really means to feel secure with money—regardless of your bank balance.Whether you’re looking for a financial planner, trying to navigate online money advice, or just curious what it means to live in alignment with your values… this episode is for you.🎧 Listen now to learn: ✅ How to find a CFP® who’s a true fit for you ✅ Why understanding your values changes your money game ✅ The exact framework to use when you're overwhelmed by financial adviceConnect with Victoria @financiallyvictoria | TikTok & Instagram Mentioned in the show:Fee-only fiduciaries (what that really means)Why where do you summer? is the wildest financial flexAnd why first principles matter for financial planning—🧠 Want more episodes like this? Subscribe to Your Money Guide on the Side wherever you get your podcasts and join Tyler’s weekly newsletter at tylergardner.com
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Ep 9 - On Playing to Win (The Asymmetry of Opportunity)
Most people spend their lives trying not to lose. The wealthy? They play to win.In this solo episode, Tyler Gardner breaks down the asymmetry of opportunity—why one big win can outweigh dozens of small failures, and how our fear of loss keeps us from seeing the upside that could change everything.Tyler takes you from Disney’s acquisition of Pixar to Jeff Bezos’ “regret minimization framework,” unpacks the psychology of loss aversion, and explains why Monte Carlo simulations, the Kelly Criterion, and even barbell investing can help you make better decisions in life and money.You’ll also learn:Why we overweight risk and underweight opportunityHow only 4% of public companies have driven all net market gains (ASU study)What venture capital teaches us about failure and power lawsWhy the S&P 500 has never lost money over any rolling 20-year period (Fama/French)The exact 3-question framework the wealthy use to evaluate high-stakes decisionsWhether you’re building a business, investing for your future, or just trying to get out of your own way, this episode will help you rewire your decision-making process and start playing for upside.🧠 It’s not about taking reckless risks—it’s about taking the right ones. 📈 Learn how to structure your decisions like a builder, not a hedger.—For more insights, visit tylergardner.com, and subscribe to Tyler’s weekly newsletter for 3 actionable financial ideas every Sunday.Follow Tyler on all platforms @socialcapofficial (IG + YT) and @socialcap (TT)
Your go-to podcast for mastering money and investing. Hosted by Tyler Gardner, a trusted influencer with over 2.5M 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.
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