I Moved to Arizona for the Winter: The 5 Things Nobody Tells You About Snowbirding

Your Money Guide on the Side

Tyler Gardner

Business, Education, Entrepreneurship, Investing, How To

4.9 • 2.4K Ratings

🗓️ 20 April 2026

⏱️ 47 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

As always, a MASSIVE thank you to this week's sponsors! Momentous: → ⁠livemomentous.com Use code Tyler for 35% off your first order! Thrive Market: → ⁠thrivemarket.com/tyler $20 off your first three orders plus you’ll get a FREE $60 gift! Facet: → ⁠facet.com/tyler for an exclusive $550 kickstart offer! Anthropic: → ⁠claude.ai/tyler if you're looking for the best business and thought partner I have EVER had. And on to the show notes! Most financial advice focuses on optimization. This episode is about something else entirely: alignment. In this more personal episode, Tyler shares five lessons from spending two months “snowbirding” in Sedona — and what the experience revealed about money, time, and the life we think we want. Because sometimes the biggest financial insights don’t come from spreadsheets. They come from living differently long enough to notice what actually matters. In this episode, Tyler reflects on: Why buying back time only works if you know what to do with it The idea of a “path dividend” — testing lifestyles before committing to them How lifestyle upgrades quickly become your new normal (and lose their impact) Why major life changes require understanding what you’re leaving, not just gaining The illusion that a new place will create a new version of you Along the way, Tyler connects everyday moments — cooking dinner, staying in Airbnbs, almost buying a house — to deeper financial decisions around spending, relocation, and retirement. The core idea: Wherever you go, there you are. Money can change your environment. It doesn’t automatically change you. This episode isn’t about maximizing efficiency. It’s about building a life that actually fits — before you build the plan to fund 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.

Transcript

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0:00.0	Pull back into yourself. Stop running. Because wherever you go, you take yourself with you.
0:09.0	There's a version of retirement planning and I hear it constantly. If I could just get to the place,
0:15.0	if I could just reach the number, then I will be the version of myself I'm trying to get to. And I'm here to tell
0:24.1	you, that is not how it works. Hello, friends, this is Tyler Gardner welcoming you to another
0:32.1	episode of your money guide on the side, where it is my job to simplify what seems complex, add nuance to what seems
0:39.5	simple, and learn from and alongside some of the brightest minds in money, finance, and investing.
0:46.0	So let's get started and get you one step closer to where you need to be.
0:52.5	Before we get into today's episode, I am genuinely thrilled to share this with you. After three
0:59.3	years of listening to your questions and locking myself in a room to answer as many of them as I can,
1:05.4	I decided it would be slightly more efficient to write a book. So I did. It's called Real Wealth, published by Norton
1:13.7	out December 6th of this year. Yeah, the kid whose parents thought he might be illiterate
1:19.0	until he was 21 and whose high school English teachers passed him on the condition he never
1:23.4	took another English class, and I'm dang proud of how it turned out, and what I believe
1:27.6	it can and will do for all of you. Here are three quick reasons to pre-order right now, and I'll
1:33.9	tell you exactly how at the end. One, you'll actually finish this book. I know, low bar, except it
1:41.7	really isn't. I've spent two decades watching people's eyes go blank the
1:46.1	moment I said asset allocation. I took that personally. This is my response. You know the look,
1:52.3	and I refuse to be the cause of it. Number two, the number one comment I get, thousands of times,
2:00.3	is you left something out. You're right. I'm making
2:04.2	60 second videos about topics that deserve 60 minutes. This is my answer, everything in one place,
2:11.2	no countdown clock, no algorithm cutting me off. And number three, what I'm most excited about,
2:20.0	every month through December. I'll be releasing an exclusive pre-order incentive, and April's might already be my favorite. Pre-order this
	...

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