Your Money Guide on the Side

3 Ways to Invest $1,000,000


Listen Later

And in case you missed it, check out last week's episode of Your Money Guide on the Side with Andrew Tobias where we answer the question, What is the easiest way to become wealthy?

You've hit the million-dollar mark—now what?

In this episode of Your Money Guide on the Side, we tackle the deceptively simple question: how should you invest a million dollars? This isn’t about theoretical asset allocation or textbook strategies. It’s about real lives, real goals, and real risk tolerance.

We meet three investors—Chad, Nina, and Marge—each at very different life stages, each with a radically different approach to putting their wealth to work:

  • Chad Slater, the thrill-seeking ex-startup bro who wants asymmetry, optionality, and upside. His portfolio is bold, volatile, and aggressive—global equities, venture capital, and yes, crypto.
  • Nina Ellington, the grounded creative director turned Pilates instructor who wants growth without chaos. Her diversified, resilient mix of stocks, bonds, real estate, and alternatives prioritizes balance and autonomy over adrenaline.
  • Marge Buttersworth, the sharp, independent retiree who wants reliability and peace of mind. Her income-focused portfolio features bond ladders, dividend stocks, and high-yield cash vehicles—designed to pay her, not stress her.
  • These are not just asset allocations. They are reflections of who these people are, what they value, and what they need their money to do for them.

    💡 Along the way, we explore key questions:

    • How soon will you need the money?
    • How much risk can you stomach?
    • Are you trying to grow, preserve, or withdraw from your portfolio?
    • And if you stick around until the end, I share exactly how I invest my own money—no hype, no secrets—just a simple, transparent walk through my personal allocation and why I chose it.

      📌 In this episode, you’ll learn:

      • 3 distinct investing strategies for $1M portfolios
      • How risk tolerance, time horizon, and goals shape allocation
      • The truth about fees, diversification, and asset class correlation
      • Why your neighbor’s portfolio has nothing to do with yours
      • How to evaluate your definition of enough
      • 📬 Bonus: If this episode resonates, subscribe to my free weekly newsletter for deeper dives and personal stories at tylergardner.com 

        🎙️ Disclaimer: I’m not your financial advisor—I’m your guide on the side. Everything here is for educational purposes only. Always do your own research and consider working with a fiduciary advisor who understands your unique circumstances.

        ...more
        View all episodesView all episodes
        Download on the App Store

        Your Money Guide on the SideBy Tyler Gardner

        • 4.9
        • 4.9
        • 4.9
        • 4.9
        • 4.9

        4.9

        1,780 ratings


        More shows like Your Money Guide on the Side

        View all
        Afford Anything by Paula Pant | Cumulus Podcast Network

        Afford Anything

        3,581 Listeners

        Money Guy Show by Brian Preston and Bo Hanson

        Money Guy Show

        3,255 Listeners

        The Stacking Benjamins Show by StackingBenjamins.com | Cumulus Podcast Network

        The Stacking Benjamins Show

        2,000 Listeners

        Sound Retirement Radio by Jason Parker

        Sound Retirement Radio

        453 Listeners

        Your Money, Your Wealth by Joe Anderson, CFP® & Alan Clopine, CPA of Pure Financial Advisors

        Your Money, Your Wealth

        814 Listeners

        Retirement Answer Man by Roger Whitney, CFP®, CIMA®, RMA, CPWA®

        Retirement Answer Man

        1,306 Listeners

        Retirement Starts Today by Benjamin Brandt CFP®, RICP®

        Retirement Starts Today

        548 Listeners

        ChooseFI by ChooseFI

        ChooseFI

        5,162 Listeners

        Stay Wealthy Retirement Podcast by Taylor Schulte, CFP®

        Stay Wealthy Retirement Podcast

        690 Listeners

        BiggerPockets Money Podcast by BiggerPockets

        BiggerPockets Money Podcast

        3,101 Listeners

        Ready For Retirement by James Conole, CFP®

        Ready For Retirement

        832 Listeners

        Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance) by Ari Taublieb, CFP®, MBA

        Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

        595 Listeners

        All the Hacks: Money, Points & Life by Chris Hutchins

        All the Hacks: Money, Points & Life

        1,626 Listeners

        Mile High FI Podcast by Doug Cunnington & Carl Jensen

        Mile High FI Podcast

        207 Listeners

        Retirement Planning Education, with Andy Panko by Andy Panko

        Retirement Planning Education, with Andy Panko

        1,068 Listeners