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Your Money Guide on the Side

5 Things I Won't Do With My Money in 2026

Your Money Guide on the Side

Tyler Gardner

Business, Education, Entrepreneurship, Investing, How To

4.92.4K Ratings

🗓️ 8 December 2025

⏱️ 35 minutes

🧾️ Download transcript

Summary

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.

Transcript

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0:00.0

Somewhere along the way, the act of saving quietly became the goal itself.

0:05.0

I wasn't buying freedom or funding a specific future, although obviously that's a real byproduct of responsible accumulation.

0:12.0

No, I was hoarding what I like to call financial virtue points, like an anxious squirrel preparing for a retirement that might never come, or that it might not live to enjoy.

0:23.1

Hello, friends. This is Tyler Gardner, welcoming you to another episode of your money guide

0:28.2

on the side, where it is my job to simplify what seems complex, add nuance to what seems simple

0:34.0

and learn from and alongside some of the brightest minds in money, finance, and

0:39.1

investing. So let's get started and get you one step closer to where you need to be.

0:45.6

There's something oddly therapeutic about sitting down at the end of a year and deciding what

0:51.5

not to do with your money next year. Like a financial New Year's resolution,

0:57.0

but with far less kale and only slightly more self-awareness. Because every December, I start seeing

1:04.0

those lists. I'm sure you do too. Heck, I start creating some of those lists on social media.

1:09.9

The five things millionaires always do with their money.

1:13.7

The seven habits of highly successful crypto bros.

1:17.9

And sure, some are fine.

1:19.8

But what's often missing is the other side of the ledger.

1:24.1

The conscious absolutely knots, the guardrails that keep you from drifting into oncoming complexity.

1:32.3

So today, I want to talk about five things I'm not doing with my money in 2026.

1:39.3

Some of them are practical, some are, as per usual, more philosophical, and all are rooted in the idea

1:46.2

that real wealth isn't necessarily about doing more. It might just be about doing less, better.

1:53.0

Well, at least that's how I've always justified laziness and frugality to myself.

1:57.5

And this is the point where I also remind you that I am not you.

2:01.4

My goals are not yours.

...

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