The $172,000 Retirement Surprise (And Exactly How to Avoid It)

The $172,000 Retirement Surprise (And Exactly How to Avoid It)

From Your Money Guide on the Side by Tyler Gardner

April 6, 2026 · 46 min

About this episode

Tyler discusses the importance of planning for long-term care in retirement and the financial implications of longevity.

Pre-Order Tyler's First Book, Real Wealth, ⁠here⁠ & be immediately eligible for exclusive bonuses between now and December 1st! April Bonus: Free two-hour digital live event on Wednesday, May 6th from 7-9pm EST, where Tyler will answer the most commonly asked questions and walk through what you can expect from the book! And as always, a MASSIVE thank you to this week's sponsors: Thrive Market: Get $20 off your first three orders plus a FREE $60 gift if you order at thrivemarket.com/tyler today. Facet: find out why I have been endorsing Facet for over 18 months now by checking out ⁠facet.com/tyler⁠. They are a one-stop shop for financial planning, investment management, tax strategy, and retirement planning. And best part: it's all for one flat annual membership fee. And on to the show notes! No one wants to think about long-term care. Which is exactly why most people don’t plan for it. In this episode, Tyler tackles one of the most uncomfortable — and most overlooked — parts of financial planning: what happens if you live long enough to need care. Because longevity is a gift. And financially, it’s also a risk. In this episode, Tyler covers: The reality that ~70% of people over 65…

People in this episode

Host: Tyler Gardner

Topics covered

  • long-term care
  • financial planning
  • retirement
  • healthcare costs
  • insurance options

Keywords

  • long-term care
  • retirement planning
  • financial risk
  • healthcare costs
  • insurance options

Sponsors

Thrive Market, Facet

Mentioned in this episode

Books & works: Real Wealth

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