Your Money Guide on the Side

• 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)

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• Ep 8 - Jessica Inskip - On Leaving Wall Street, Fighting Misinformation, and Redefining Financial Education

  This week on Your Money Guide on the Side, I’m joined by the incredible Jessica Inskip—one of the sharpest, most grounded voices in modern investing. Jessica was the first female on Fidelity’s active trader desk, and you may have seen her breaking down complex strategies alongside Jim Cramer, or offering sharp, accessible takes on CNBC, Fox Business, Schwab Network, and Yahoo Finance.In this episode, we unpack her journey from nearly becoming an engineer to becoming a nationally recognized voice in financial education—and why she made the bold decision to give up her professional licenses in order to educate people where they’re actually learning: on TikTok, Instagram, and her #1-ranked personal finance podcast, Market MakeHer.Jessica shares the powerful story of how she pivoted careers after realizing that the people who needed the most help—young investors learning from unverified sources—weren’t being reached due to compliance constraints. The tragic case of Alex Kearns, and the inability for licensed professionals to correct misinformation in real-time, was a tipping point. From that moment on, Jessica committed to bridging the gap between Wall Street and the everyday investor, even if it meant leaving behind the traditional career path.We talk about how she built a media presence without compromising her authenticity, how she measures impact over virality, and why she believes good education, not flashy trends, is the antidote to financial misinformation online. She shares her approach to making complex topics like credit markets and macroeconomics accessible—and the surprising (and sometimes frustrating) viral moments that have shaped her platform.We also dive into:How she transitioned from Merrill to full-time educator and creatorThe emotional and professional weight of giving up her Series licensesThe difference between being a financial expert and simply playing one on social mediaWhy compliance rules continue to keep great educators out of the creator economyHow she balances family life, media work, and her growing personal brandHer podcast, Market MakeHer, and how it became a trusted resource for tens of thousandsJessica also reflects on what success really means in a digital world that rewards metrics over meaning. Her answer? It’s not about the followers. It’s about the impact—the emails, the DMs, the women who now feel confident speaking about bonds, credit markets, and earnings reports because someone took the time to meet them where they are.We wrap by talking about her work with Jim Cramer, the power of representation in finance, and how she’s planning a book that will finally explain the domino effect of markets—from interest rates to consumer behavior—in a way that actually makes sense.Whether you’re an active investor, a new creator, or just someone trying to be smarter with your money, Jessica offers a masterclass in clarity, commitment, and courage. This conversation is packed with insights, humility, and heart.🎙️ Take a listen—you won’t just learn about markets. You’ll learn why voice, vision, and values matter more than ever in today’s financial landscape.

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• Ep 7 - Killing Sacred Cows of Personal Finance, Or, Why I (Really) Don't Love Bonds

  Bonds have been a staple in portfolios for decades, often hailed as the “safe” investment that brings stability and protects wealth. But what if I told you that this belief is outdated, and in many cases, dangerously misleading?In today’s episode, I take a hard look at why bonds are overrated, the risks most investors overlook, and whether they deserve a spot in your portfolio at all. While bonds can serve a purpose, blindly following the 60/40 portfolio mantra without questioning its effectiveness can be a costly mistake.We’ll break down the three biggest risks of bonds and why they may not be as “safe” as you think: ✅ Interest Rate Risk – When rates go up, your bond values drop. It’s that simple, and 2022 proved it when the Bloomberg U.S. Aggregate Bond Index suffered its worst year in history. ✅ Inflation Risk – Your 3% return isn’t a real 3% return if inflation is running at 4-5%. That’s a recipe for losing purchasing power over time. ✅ Opportunity Cost – For every dollar you park in bonds, you’re missing out on investments with real growth potential—whether that’s stocks, real estate, or other wealth-building assets.Many investors believe bonds guarantee stability, but I argue that true long-term financial security comes from growth, not just preservation. The reality? A well-diversified stock index fund has statistically near-zero risk of going to zero, while bonds can quietly eat away at your purchasing power.So, do bonds ever make sense? Maybe—if you’re already financially set and just want to protect what you have. But for most investors, the classic advice to shift heavily into bonds at retirement may be one of the biggest financial missteps.This episode isn’t about hating bonds—it’s about thinking critically before defaulting to outdated strategies. Are you actually protecting your wealth? Or are you unknowingly holding yourself back?👉 Tune in now, challenge conventional wisdom, and decide for yourself.

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