Episodes
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In this inspiring and thought-provoking episode of Humans vs Retirement, I sit down with The Executive Book Coach, Helen Wilkie to explore why retirement may be the ideal moment to write the book you've always dreamed of. From memoirs to how-to guides, legacy to creativity, Helen shares practical insights and soulful encouragement for anyone curious about turning lived experience into lasting written impact. Whether you're scribbling down notes already or just entertaining the idea, this episode is for you.What Youâll Learn
Why retirement can be the most powerful time to write a book
The difference between a book being your legacy vs holding your legacy
How the writing process helps you rediscover purpose, identity, and structure
The most common obstacles that stop people from starting and how to overcome them
The importance of editing, time-blocking, and defining your âwhyâ before writing
How ghostwriting and book coaching work (and why itâs not cheating)
Key Topics
Creativity in the second half of life
How to write a book after retirement
Purpose and identity beyond work
Memoirs, business books, and other nonfiction options
Fear, self-doubt, and imposter syndrome
Writing as an experience, not a task
Turning vague ideas into a finished manuscript
Legacy, storytelling, and honouring your life
Resources & Mentions
Helen Wilkieâs free gift: How to Write a Memoir PDF and 20-minute exploratory session
Email Helen at: [email protected] with subject line: âMemoir GuideâHelenâs memoir: Rare Steak, Red Wine, Hot Tango
Recommended reading: On Writing: A Memoir of the Craft by Stephen King
Learn more about Helen: https://theexecutivesbookcoach.com
Stay Connected
Want more thought-provoking conversations like this one?
Subscribe to Humans vs Retirement on Apple, Spotify, or wherever you get your podcastsVisit humansvsretirement.com for tools, downloads, and insights
Share this episode with someone who needs to hear it, you might just save them (and their family) from future chaos.
Download for free my whitepaper - The Skill of Spending Money in RetirementConnect with me on LinkedIn for more insights and updates.
Subscribe to my weekly newsletter - The Retirement FixLeave us a âââââ review if this episode helped shift your perspective! It really helps spread the word.
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In this eye-opening conversation, I sit down with Stuart Ritchie, chartered tax advisor, estate planning expert, and author of Who Will Get My Money When I Die, to explore one of the most emotional and misunderstood aspects of later-life financial planning: inheritance tax.
This episode isnât about doom and gloom, itâs about taking control. Whether youâre planning for your own legacy, thinking about your childrenâs future, or simply want to make sure the government doesnât get more than its fair share, this is a must-listen.
What You'll LearnWhy inheritance tax is about more than just money, itâs about clarity, fairness, and family harmony
The critical role of wills and why DIY ones often cause more harm than good
What lasting power of attorney actually does and why itâs vital even if youâre married
How to avoid common traps when it comes to gifting, trusts, and tax bills
Why talking to your family before you die might be the greatest gift you give them
Key TopicsWills and the rules of intestacy: what really happens if you donât plan
The psychology of leaving a legacy: control, conflict, and clarity
Power of Attorney: the two types and the risks of not setting one up
Blended families, second marriages, and planning with complexity in mind
Lifetime gifting and the 7-year rule explained
Life assurance, pensions, and the new inheritance tax reforms
The emotional and practical costs of poor estate planning
Resources & MentionsStuart Ritchieâs book: Who Will Get My Money When I Die? â available on Amazon
Stuartâs firm: www.ritchiephillips.co.uk
The Economist & Kaiser Family Foundation study on end-of-life priorities
UK Government: Rules of Intestacy
Reflection Exercise "What do I want to happen to my money, my possessions, and my responsibilities after Iâm gone?"Take 15 minutes today to reflect on this question. If you were to pass away tomorrow:
Do you have a valid will in place?
Have you named executors and powers of attorney you trust?
Have you had conversations with those closest to you about your wishes?
Do you know the potential tax implications of your estate?
Clarity now brings peace later, for you and everyone you love.
Stay ConnectedWant more thought-provoking conversations like this one?
Subscribe to Humans vs Retirement on Apple, Spotify, or wherever you get your podcastsVisit humansvsretirement.com for tools, downloads, and insights
Share this episode with someone who needs to hear itâyou might just save them (and their family) from future chaos.
Download for free my whitepaper - The Skill of Spending Money in RetirementConnect with me on LinkedIn for more insights and updates.
Subscribe to my weekly newsletter - The Retirement FixLeave us a âââââ review if this episode helped shift your perspective! It really helps spread the word.
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Episodes manquant?
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What really matters in retirement? After the spreadsheets are done, the portfolioâs in place, and the paycheque has stopped, what's left?
In this powerful and deeply human conversation, I sit down with Fritz Gilbert, author of Keys to a Successful Retirement and founder of The Retirement Manifesto, to explore the non-financial side of life after work. We dive into the real questions: How do you stay fulfilled? Where do you find purpose? And how do you avoid the emotional pitfalls so many retirees never see coming?
Fritz shares his â10 Commandments of Retirementâ, a personal code he created before stepping away from corporate life and how each one has guided his journey. From âMake No Obligationsâ to âKeep Eternity in Mind,â these principles offer a practical, heartfelt framework for anyone who wants to retire with intention, freedom, and joy.
What Youâll LearnWhy mindset matters more than money in retirement
How to create your own guiding principles for life after work
The 90/10 Rule: Why most people focus on the wrong things before retiring
How Fritz skipped the âretirement depressionâ so many experience
Why giving yourself space and grace in your first year can change everything
How to find (or rediscover) your purpose in the second half of life
The surprising power of legacy, contribution, and shared purpose
Key Topics DiscussedFritzâs â10 Commandments of Retirementâ and how theyâve held up over time
The emotional challenges many retirees face and how to prepare for them
What it means to shift from saving to spending, from doing to being
The founding story of Freedom for Fido and how it brought deeper meaning to retirement
The role of mindset, curiosity, and experimentation in building a rich post-career life
Why âretirement planningâ must include much more than your finances
How to craft your own post-career mission, values, and personal compass
Resources & MentionsThe Retirement Manifesto Blog
Keys to a Successful Retirement by Fritz Gilbert â Buy on Amazon
Fritzâs article: The 10 Commandments of Retirement
Freedom for Fido Charity
Your Next StepWant to retire well?
Start by writing your own commandments. Define your values, your purpose, and what a great life looks like before you leave work.
Letâs Keep the Conversation GoingFollow & connect with Fritz: LinkedIn
Subscribe to Humans vs Retirement on Apple, Spotify, or wherever you get your podcasts
Connect with Dan: LinkedIn
Leave us a âââââ review if this episode helped shift your perspective!
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In this uplifting and thought-provoking episode, I sit down with Patrice Jenkins, author of What Will I Do All Day?, to explore the real heart of retirement beyond financial plans.
Together, we dig into why retirement is not simply about staying busy, but about rediscovering meaning, purpose, identity, and joy.
Patrice shares insights from her decades of counseling and interviews with retirees, offering a compassionate, practical guide to navigating the messy, magical transition into post-career life.
What You Will LearnWhy financial readiness alone doesnât guarantee a happy retirement.
The emotional stages of transitioning into retirement and why patience is crucial.
How to rediscover passions, build social portfolios, and embrace âspace.â
Why successful retirements often include a form of meaningful "work."
How to avoid the trap of being "busy but unfulfilled."
Simple frameworks to plan your next two years, not just your next thirty.
Key Topics DiscussedThe difference between hiding out and holding out when nearing retirement.
The importance of purpose, agency, and intention in retirement planning.
Why internal validation matters more than external praise after leaving work.
How relationships - spouses, adult children, friendships - evolve post-retirement.
Embracing play, experimentation, and curiosity in later life.
Strategies to transition through the inevitable âmessy middleâ of change.
How to think differently about work as part of a fulfilling retirement.
Resources MentionedWhat Will I Do All Day? by Patrice Jenkins
Patriceâs Website â patricejenkins.com
Richard Leiderâs The Power of Purpose
Book Mention: Die With Zero by Bill Perkins
Memorable Quotes "Retirement is not about keeping busy. Itâs about living meaningfully and purposefully every day." â Patrice Jenkins "Work gave you structure, identity, and purpose â but your next chapter can too. It just takes intention." â Patrice Jenkins "Perhaps work kept you so busy that you forgot what you used to love. It's time to remember." â Patrice Jenkins "You don't have to figure out your whole retirement â just the next two years." â Dan A Takeaway ExerciseThe 'What Lit You Up?' Reflection
Grab a pen and a notebook. Reflect and jot down:
What activities made you lose track of time when you were 10 years old?
What hobbies or interests did you abandon during your working years?
What would you do with a free afternoon if no one was watching?
Circle one that sparks excitement and design a small experiment to try it out in the next two weeks!
A Final ThoughtRetirement isnât the end of the story, itâs the beginning of a new one.
The key isnât to stay busy; itâs to stay true. Stay curious. Stay purposeful.
Whether you're months away from retirement or years in, thereâs always an opportunity to dream, to experiment, and to build a life youâre excited to wake up to.
Stay ConnectedIf you enjoyed this episode, please:
Subscribe to The Humans vs Retirement Podcast wherever you listen to podcasts
Leave a rating and review, it really helps!
Share this episode with someone whoâs thinking about (or struggling with) their retirement journey.
Download for free my whitepaper - The Skill of Spending Money in RetirementFollow me on LinkedIn for more insights and updates.
Subscribe to my weekly newsletter - The Retirement Fix -
Summary
In this powerful and insightful episode, I sit down with Dr. Riley Moynes, author, speaker, and creator of the viral TED Talk on "The Four Phases of Retirement," which has amassed nearly 5 million views. Together, we unpack why retirement is far more of a human problem than a financial one, and why so many retirees struggle despite having "enough" money.
Riley shares the emotional, psychological, and personal transitions that retirees face and offers an actionable framework to help listeners navigate their post-work lives more meaningfully.
What You Will LearnThe Four Phases of Retirement and why most people will experience them.
Why retirement is not just a financial challenge but a deeply human one.
The common emotional and psychological struggles retirees face.
How retirees can proactively prepare for the non-financial aspects of retirement.
The importance of purpose, identity, relationships, and service to others in retirement.
How to avoid becoming a "statistic" in retirement dissatisfaction.
Key Topics DiscussedDr. Riley Moynes' personal career journey and how he developed the Four Phases of Retirement.
Why traditional financial services fail to prepare people for the real challenges of retirement.
A deep dive into each of the Four Phases:
The Vacation Phase â The early, carefree, "holiday" phase of retirement.
The Loss and Lost Phase â The period of disillusionment marked by loss of purpose, identity, relationships, and routine.
The Trial and Error Phase â The experimental stage of trying new activities, facing failures, and re-finding purpose.
The Reinvent and Rewire Phase â The fulfilling phase where retirees give back, often through service, and thrive with renewed purpose.
The emotional impact of retirement and why depression, divorce, and dissatisfaction spike for many retirees.
The predictable pattern of retirement struggles and why awareness is key.
Why simple joys and purposeful service are at the heart of a successful retirement.
Books and Resources MentionedThe Four Phases of Retirement: What to Expect When You're Retiring by Dr. Riley Moynes
Dr. Riley Moynesâ viral TED Talk â "The 4 Phases of Retirement"
Mention of Fritz Gilbertâs blog, The Retirement Manifesto
KĂŒbler-Ross Change Curve (Grief & Loss framework referenced in discussion)
A Takeaway ExerciseYour Unique Ability Reflection Dr. Moynes recommends this simple but powerful exercise:
Write down the top 5 things you love to do and know you do really well.
Reflect on 5 key wins, successes, or achievements in your life so far.
Look for patterns and connections between the two lists.
Ask yourself:Can I apply these skills, passions, or experiences to new areas in retirement?
How can I use these to serve others and find fulfillment?
This introspection can help you transition into the most meaningful phase of retirement.
A Final ThoughtRetirement is not a finish line, itâs a transition into one of the most complex and potentially fulfilling stages of life. But it requires intentionality, emotional awareness, and often hard inner work. As Dr. Moynes reminds us, itâs not about endless vacations or financial spreadsheets; itâs about redefining purpose, reconnecting with joy, and ultimately serving something bigger than yourself.
Retirement is a human challenge, not a maths problem. The sooner you embrace that, the smoother and more fulfilling your transition will be.
Humans vs RetirementThe Super Sunday Retirement Roundup Newsletter
The Skill of Spending Money in Retirement Whitepaper
The Humans vs Retirement Sketchstore
Book in a Time For us to Chat About Your Retirement
Subscribe on Apple Podcasts | Spotify | YouTube
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Episode Summary
In this inspiring and heartfelt episode, I sit down with David Marlow, veteran leader, coach, and author of The Ikigai Way to explore how the ancient Japanese concept of Ikigai can powerfully guide us into a more fulfilling and purposeful retirement. From personal stories of career transitions to uncovering identity after work, David shares how aligning our inner essence with what we do can transform our experience of aging, retirement, and meaning in life.
What Youâll Learn
What Ikigai really means (beyond the Instagram-friendly Venn diagram) How to align your essence and purpose with daily life, before and after retirement The power of experimenting, curiosity, and continuous self-discovery How to reframe retirement from âendingâ to âuncoveringâ Practical tools and reflections to help you discover your own Ikigai Key Topics Discussed Davidâs winding journey from disc jockey to Marine to transformation leader, and how Ikigai was always there Redefining purpose outside of career or job titles The emotional transition into retirement and how to handle the "grief" of identity loss Why older adults are uniquely primed for deep reflection and discovering Ikigai The mental and physical health benefits of having a clear sense of purpose How to use Ikigai as both a lens and a mirror in your second half of life Shifting from rigid goals to aspirational living The importance of community, relationships, and intergenerational mentoring Books & Resources Mentioned The Ikigai Way by David Marlow â A modern guide to discovering your essence and purpose Davidâs newsletter: IkiQuest on Substack â Daily reflections and community around Ikigai Falling Upward by Richard Rohr â Discussed in reference to lifeâs two halves and spiritual maturity Harvard Study on Adult Development â Cited as supporting evidence for the power of purpose and connection Blue Zones research â Referenced regarding community, longevity, and purpose in Okinawan culture Memorable QuotesâIkigai is expressing your essence in harmony with whatever youâre doingâwhether that's career, relationships, hobbies, or just life.â â David Marlow
âYou donât find your Ikigaiâyou uncover it.â
âAsk yourself: Whatâs your tennis ball? What makes you forget to eat?â
âRetirement isn't about leaving something behind. It's about leaning into whatâs always been within you.â
Takeaway ExerciseAsk yourself two powerful questions:
When was the last time you had a truly great day? What were you doing? Who were you with? Whatâs one thing you do that makes you forget to eat?Use your answers to start mapping out the threads of your own Ikigai.
Connect with David Marlow IkiQuest Newsletter on Substack davidmarlow.com David on LinkedIn The Ikigai Way Final ThoughtWhether youâre five years away from retirement or already navigating the transition, this episode reminds us that purpose doesnât end when work does. With small steps and deep reflection, you can uncover a life of fulfillment, alignment, and joyâyour Ikigai.
Humans vs RetirementThe Super Sunday Retirement Roundup Newsletter
The Skill of Spending Money in Retirement Whitepaper
The Humans vs Retirement Sketchstore
Book in a Time For us to Chat About Your Retirement
Subscribe on Apple Podcasts | Spotify | YouTube
đ© Enjoyed the episode? Leave a review and let us know your biggest takeaway!
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Episode Summary
Retirement isnât just a financial transition, itâs a psychological and emotional one, too. In this episode of Humans vs. Retirement, I sit down with Lindsay Troxell, a coach and life planner who has been at the forefront of shifting the financial industryâs focus toward a more human-first approach.
Lindsay shares powerful insights on mindset, identity, and habits, and why most people unknowingly experience an identity crisis in retirement. Lindsay and I explore how to reshape your beliefs, redefine purpose, and build new habits for a fulfilling second half of life.
If youâve ever asked yourself: Who am I without my job title? How do I retire with meaning? or Why does retirement feel like a letdown?, this episode is for you.
What Youâll Learn in This Episode Why retirement isnât just about moneyâand why financial security alone wonât make you happy. How habits and mindset shape your retirement experience (and how to rewire them). The common identity crisis retirees faceâand how to navigate it with confidence. Why traditional financial planning treats retirement as a math problem, when itâs actually a human challenge. How to develop purpose, fulfillment, and structure in retirement. The importance of coaching and why having a financial plan isnât enough. How Lindsayâs business, Discretionary Inc., helps child-free entrepreneurs create a unique life plan that reflects their values and goals. Key Topics Discussed[00:02] â Introduction & Catching Up
Lindsayâs background in financial coaching and life planning. The shift from numbers-focused planning to a holistic, human-first approach.[00:10] â The Mindset Shift for Retirement
Why people treat retirement as a math problem (and why thatâs wrong). The emotional journey of retirementâwhy so many people feel lost after stopping work. The three-dimensional approach to retirement: wealth, health, and identity.[00:25] â Identity & Purpose in Retirement
The biggest identity crisis retirees face (losing structure, title, and purpose). Why your identity is more than your job title. The "retire with" framework: What are you bringing into retirement?[00:40] â Mindset, Habits & Breaking Old Patterns
How beliefs shape our retirement experience. The role of growth mindset and beginner mindset in reinvention. The importance of failure and experimentation in building a fulfilling retirement.[00:55] â Retirement & Relationships: The Gray Divorce Trend
How retirement impacts marriages and partnerships. The rising trend of gray divorce (and why couples struggle post-retirement). The three journeys: Your individual path, your partnerâs path, and your shared path.[01:10] â The Future of Retirement & Financial Planning
Why coaching is the missing link in financial planning. How financial professionals need to adapt their services to serve clients better. Lindsayâs business Discretionary Inc. and why child-free entrepreneurs need specialized financial and life planning.[01:25] â Final Takeaways
Why the traditional retirement model is outdated and needs to evolve. Practical steps to redefine your mindset and habits for a more fulfilling life. Lindsayâs best advice for people approaching retirement. Books & Resources MentionedBooks:
The Psychology of Money â Morgan Housel Mindset: The New Psychology of Success â Carol S. Dweck Let Them â Mel Robbins Meditations â Marcus Aurelius Letters from a Stoic â Seneca The Bhagavad Gita â Hindu Philosophy on Purpose & DutyResearch & Studies:
Retirement & Depression: 40% increased risk of depression in retirees. Gray Divorce Trends: Divorce rates for 60+ have risen from 9% (1990) to 40% (recent years).Additional Resources:
Morgan Houselâs Blog on Behavioral Finance Carol Dweckâs Research on Growth Mindset George Kinderâs Life Planning Method Connect with UsFollow Lindsay Troxell:
Website: www.ourcoachinginitiative.com/ LinkedIn: www.linkedin.com/in/lindsaytroxell/Follow Dan & The Podcast:
Website: www.humansvsretirement.com LinkedIn: www.linkedin.com/in/dan-haylett-retirement-coach/ Subscribe on Apple Podcasts | Spotify | YouTubeđ© Enjoyed the episode? Leave a review and let us know your biggest takeaway!
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This is episode 75! And Iâm thrilled to introduce my guest today. He is a true pioneer in the field of behavioural finance, Dr. Greg Davies.
Greg is the Head of Behavioural Finance at Oxford Risk and has spent his career shaping how we understand investor psychology, financial decision-making, and the emotional complexities that come with managing moneyâespecially in retirement.
In this episode, weâll explore the behavioural traps that retirees often fall into, how to build financial resilience, and why understanding your own psychology is just as important as having a well-structured portfolio.
Throughout our conversation, Greg and I explore the multifaceted aspects of retirement planning, emphasizing the importance of guaranteed income and its psychological benefits.
We discuss how behavioural finance plays a crucial role in spending habits during retirement, the impact of inflation on purchasing power, and the distinction between risk and volatility in investment strategies.
We also touch on future trends in retirement planning, particularly the potential need for and benefits of health insurance and a shift in focus from bequest to spending during retirement.
Key Takeaways
Greg Davis shares his journey from economics to behavioral finance. Behavioral finance combines psychology, economics, and finance. The importance of practical applications of behavioral science in finance. People often make poor financial decisions due to cognitive biases. Simplifying complex financial concepts is crucial for better decision-making. Emotional comfort plays a significant role in financial decisions. Retirement planning today is more complex than in previous generations. Technology can help simplify financial decision-making processes. Understanding personal values is essential for effective retirement planning. The removal of guaranteed income streams complicates retirement planning. Financial advisors often overlook the emotional aspects of retirement planning. Guaranteed income can alleviate fears of running out of money. Behavioral finance significantly influences spending habits in retirement. People with guaranteed income tend to spend more comfortably. Inflation poses a significant risk to retirement savings. Understanding the difference between risk and volatility is crucial for investors. Many retirees are too conservative with their investment strategies. Health insurance will become increasingly important in retirement planning. The focus of retirement planning is shifting from bequest to spending. Planning for retirement should consider both financial and emotional factors.Chapters
00:00 - Introduction to Greg Davis and His Journey
01:22 - The Intersection of Behavioral Science and Finance
05:45 - Building a Behavioral Finance Team at Barclays
10:53 - Understanding Behavioral Challenges in Retirement
21:57 - Navigating Retirement in a Complex World
29:50 - The Emotional and Financial Aspects of Retirement Planning
32:04 - The Role of Guaranteed Income in Retirement
36:16 - Behavioral Benefits of Guaranteed Income
40:05 - Real-Life Impacts of Guaranteed Income
44:23 - Inflation and Its Impact on Retirement Planning
48:37 - Understanding Risk vs. Volatility in Investments
57:27 - Future Trends in Retirement PlanningBooks & Authours Mentioned
Nudge by Richard Thaler
Misbeahving by Richard Thaler
Thinking, Fast and Slow By Daniel Kahneman
Research & Papers Referenced
"A License to Spend" by David Blanchett, Michael Finke, and Wade Pfau
The Jam Study (Choice Overload Study) by Shenna Lyengar and Mark Lepper
Other Things to Note
Oxford Risk Connect with Greg on LinkedIn Humans vs RetirementThe Super Sunday Retirement Roundup Newsletter
The Skill of Spending Money in Retirement Whitepaper
The Humans vs Retirement Sketchstore
Book in a Time For us to Chat About Your Retirement
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Bob is a pioneer in the psychology and social science of retirement. He is a five-time best-selling author, nationally syndicated columnist and recognized presenter at retirement conferences across the US. He is the founder of the Retirement Coaches Association, Certified Professional Retirement Coach Designation and Retirement Intelligence Assessment. His work has reached millions of retirement readers through seven books, twelve guides, and over 800 articles. In addition to his own writings, he frequently appears in major business media outlets such as the Wall Street Journal, USA Today, CNBC, MarketWatch, the New York Times, and more.
As a former social worker turned retirement expert and author, he has found that retirement is among the most fascinating, yet least understood, phases of life. As a result, he has developed a powerful message to tackle the mental, social, physical, spiritual, and financial aspects of retirement.
In this episode Bob and discuss the common misconceptions about retirement, the rise of grey divorce, and the importance of pre-retirement planning. We also tackle some tricky subjects and highlight the dark side of retirement, including loneliness and addiction, and the necessity of establishing new routines to maintain mental health and social connections post-retirement.
Bob discusses the evolving concept of retirement, emphasising the importance of identity, purpose, and personal fulfilment over financial wealth and he introduces the Retirement Quotient framework, which assesses readiness for retirement through various personal dimensions, including emotional and spiritual well-being.
Key Takeaways
Retirement planning should focus on the individual, not just finances. Many retirees experience a drop in social interactions. Pre-retirement planning is crucial for a successful transition. The 'honeymoon phase' of retirement can lead to disillusionment. Loneliness and addiction are significant issues in retirement. Couples often struggle with identity and purpose post-retirement. Establishing new routines is essential for mental health. Workaholism can hinder the retirement experience. Communication between partners is vital for a successful retirement. Retirement should be planned as a new chapter, not an end. The new wealth is found in work-life balance and connections. Retirement amplifies who you already are, not who you want to be. Maslow's hierarchy applies to retirement, focusing on self-actualization. Retirement requires a proactive framework for success. The Retirement Quotient assesses personal readiness for retirement. Understanding personal traits is crucial for retirement planning. Retirement is an empty bucket that needs to be filled meaningfully. Mindset and habits are essential for a fulfilling retirement. Stop waiting for retirement to start living your values. The only guarantee in retirement is the inevitability of death.Books Mentioned
Retirement Intelligence â Bob Lauraâs book From Strength to Strength â Arthur Brooks book mentioned in the discussion about workaholism and identity) The Top Five Regrets of the Dying â Bronnie Wareâs book referenced when discussing regrets and priorities in retirement The Power of Regret â Daniel Pinkâs book talked about in relation to turning regrets into actionWebsites & Resources
Retirement Coaches Association â Bob Lauraâs organization focusing on retirement coaching Bob Lauraâs Website â Link to Bob Lauraâs official website for resources, blogs, and retirement coaching. Retirement Quotient (RQ) Assessment â Bobâs online assessment tool for RQ Harvard Study of Adult Development â The famous study mentioned in the discussion about social connection and longevity.Other Mentions
Gray Divorce Statistics â The Gray Divorce Revolution: Rising Divorce Among Middle-aged and Older Adults, 1990-2010 Loneliness & Aging Research â Loneliness in Old Age: An Unaddressed Health ProblemHumans vs Retirement
The Super Sunday Retirement Roundup Newsletter The Skill of Spending Money in Retirement Whitepaper The Humans vs Retirement Sketchstore Book in a Time For us to Chat About Your Retirement
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Today I welcome Leisa Peterson to the show, Leisa is the author of The Mindful Millionaire in which she writes brilliantly about overcoming scarcity, experiencing true prosperity and creating the life you really want.
Leisa is on a mission to help 1,000,000 people elevate their financial consciousness by realizing their true value and creating greater financial security for themselves.
As a money coach, business consultant and spiritual teacher, Leisa hostâs the Mindful Millionaire podcast as well as virtual workshops and transformative retreats.
Her masterful blend of sound financial strategy and mindfulness training helps people break free of patterns of lack, scarcity and money fears, allowing them to finally lead the rewarding, fulfilling, and abundant lives they most desire.
Leisa has appeared in The Wall Street Journal, Forbes and The Huffington Post to name a few and has been featured on many podcasts and radio shows.
In this great conversation Leisa and I explore the intricate relationship between money, mindset, and personal values. Leisa shares her journey from a life of scarcity to becoming a mindful millionaire, emphasizing the importance of understanding one's emotional connection to money.
We discuss how past experiences shape financial behaviours, the significance of cultivating a prosperity mindset, and the role of mindfulness in overcoming financial fears.
We explore the importance of slowing down to make better financial decisions, aligning spending with personal values, and confronting financial realities. There is also some great nuggets of wisdom as we talk about the normalization of financial fears, the impact of past money stories, and the process of rewriting financial narratives.
And make sure you listen in as Leisa introduces her, I Prosper process, which integrates mindfulness and emotional wellbeing into financial planning, ultimately leading to a reinvention of life and relationships.
Key Takeaways
The journey from scarcity to abundance is transformative. Understanding your money mindset is crucial for financial well-being. Mindset is deeply emotional, not just logical. Focusing on what you have can shift your perspective. Redefining success involves aligning values with financial decisions. Life events can catalyze significant changes in financial perspectives. Fear often drives financial decisions and behaviors. Storytelling can make financial planning more relatable and effective. Mindfulness practices can help manage financial anxiety. Emotional awareness is key to enjoying life and spending money. Slowing down is essential for better decision-making. Aligning spending with personal values can enhance fulfillment. Confronting financial realities can be daunting but necessary. Normalizing financial fears helps in addressing them. Understanding past money stories can reveal limiting beliefs. Rewriting financial narratives is possible at any stage of life. The I Prosper process offers a holistic approach to financial planning. Reinventing life involves prioritizing meaningful relationships. Every moment of life is precious and should be cherished. Mindfulness in financial planning can lead to emotional wellbeing. Books Mentioned:The Mindful Millionaire by Leisa Peterson
https://www.amazon.com/Mindful-Millionaire-Overcome-Experience-Prosperity-ebook/dp/B0818QDPW1The Money Catalyst by Leisa Peterson (Upcoming Release on May 11, 2025)
Websites & Resources:
(Pre-order link to be added when available)Leisa Petersonâs Wealth Clinic
https://www.wealthclinic.comThe Mindful Millionaire Podcast
Concepts & Frameworks: The I PROSPERÂź Framework
https://www.wealthclinic.com/podcast/
Leisa's 8-step process to help individuals transform their relationship with money. More details can be found here: https://www.wealthclinic.com/i-prosper-process/ Additional Resources:Mindfulness & Money Mindset
Explore articles and resources on financial mindfulness at https://www.wealthclinic.com/mindful-millionaire-book/Research on Spending & Happiness
Related Media: Interview with Leisa Peterson: How To Become A Mindful Millionaire
A study by Harvard Business School on how spending impacts well-being: https://www.hbs.edu/faculty/Pages/item.aspx?num=50495
https://www.youtube.com/watch?v=Ug0ghHVy9wwHumans vs Retirement
The Super Sunday Retirement Roundup Newsletter
The Skill of Spending Money in Retirement Whitepaper
The Humans vs Retirement Sketchstore
Book in a Time For us to Chat About Your Retirement
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Summary
Welcome to a very special episode 72 of The Humans vs Retirement PodcastâŠ
Why is it special I hear you sayâŠ
Well, its special because itâs a real retirement story and journey as I have a conversation with my wonderful client Julian Hince.
Whilst I love bringing expert opinions to you I think nothing hits home and resonates more than a real story of someone who has been through and is living through his own retirement journey.
As a bit of background to our conversation, Julian recently retired after a long career in financial services. He shares his journey towards retirement, discussing the emotional challenges he faced, the importance of seeking help, and the misconceptions surrounding how much is enough. He emphasizes the need to have open honest and vulnerable conversations about money and the emotional aspects of retirement planning, highlighting that retirement is not just about finances but also about finding purpose and identity in this new phase of life.
Julian shares inspirational insights and experiences on his journey to retirement, emphasizing the importance of financial advice, emotional preparation, and the joy of spending time with family. He discusses the transformative freedom retirement brings, the significance for him of giving back to the community, and the need for having accountability in managing his retirement finances. Julian also highlights his changing spending patterns in retirement, noting a natural decline his expenses as he becomes more vigilant about his spending. Throughout our conversation he offers first hand valuable advice for those considering retirement, stressing the importance of commitment and professional guidance.
Key Takeaways
Julian emphasizes the importance of seeking help when planning for retirement, even for those in the financial industry. The emotional aspects of retirement are as crucial as the financial ones, and should not be underestimated. Many people have misconceptions about how much money is needed for retirement, often influenced by outdated benchmarks. Julian's journey involved making sacrifices, such as selling possessions, to achieve his retirement goals. The transition to retirement can be emotionally challenging, requiring individuals to find new purpose and identity. Conversations about money and retirement are often avoided, leading to misinformation and fear. Julian found joy in decluttering his life, realizing that material possessions held less value than his newfound freedom. The journey to retirement is ongoing, with emotional ups and downs that need to be navigated. It's important to think beyond the initial excitement of retirement and consider long-term fulfillment. Julian's experience highlights the need for a new generation to redefine retirement planning in a changing financial landscape. You might be surprised at how much is enough financially. Don't underestimate the emotional impact of retirement planning. Engaging with a professional can provide invaluable support. Spending time with family is one of the biggest joys of retirement. Loneliness is a significant issue for the elderly. Creating memories is more important than just focusing on money. Being vigilant about spending can lead to significant savings. Retirement allows for more time to focus on personal passions. Giving back to the community can enhance personal fulfillment. Accountability is crucial in managing retirement finances.Chapters
00:00 - Introduction to Julian's Retirement Journey
01:56 - Julian's Career in Financial Services
04:31 - The Decision to Seek Help
06:37 - Understanding the Emotional Aspects of Retirement
09:53 - Challenging Preconceptions About Retirement Savings
12:58 - The Importance of Conversations About Money
15:58 - Making Sacrifices for Retirement
19:37 - The Joy of Letting Go of Material Possessions
22:38 - Surprises in the Transition to Retirement
24:56 - Navigating Emotional Challenges
27:52 - The Ongoing Journey of Finding Purpose
30:50 - Breaking the Silence on Retirement Finances
32:09 - Lessons Learned on the Retirement Journey
34:05 - Embracing Freedom and Family
36:40 - The Joy of Giving Back
39:10 - The Importance of Accountability
44:47 - Finding Purpose in Retirement
49:05 - Understanding Spending Patterns in Retirement
56:43 - Top Advice for Future RetireesLinks
The Super Sunday Retirement Roundup Newsletter The Skill of Spending Money in Retirement Whitepaper The Humans vs Retirement Sketchstore Book in a Time For us to Chat About Your Retirement -
Summary
In this episode I get to chat with author and behavioural scientist, Richard Shotton.
Richard specialises in how humans make choices and has written 2 excellent books on this subject, the choice factory and the illusion of choice. He further specialises on applying findings from psychology and behavioural science to how businesses market their services and why consumers buy stuff
In this episode, Richard discusses the intersection of behavioural science and marketing, particularly in the context of how people make spending decisions in retirement. He shares insights from his research and experiences, highlighting the importance of fairness, social proof, and the emotional aspects of financial choices.
Our discussion also emphasizes the benefits of spending on experiences and others, as well as the challenges individuals face in transitioning from saving to spending during retirement.
Richard and I explore the complexities of retirement planning, focusing on behavioural economics and the psychological factors that influence spending habits. We discuss the importance of making financial decisions easier, and the impact of loss aversion on retirees' spending behaviours. We also delve into the paradox of choice and how an abundance of options can lead to decision paralysis.
Key Takeaways
Behavioral science can significantly improve marketing effectiveness. Fairness influences decision-making, often leading to suboptimal choices. Social proof plays a crucial role in financial decisions, especially in retirement. People often focus too much on outcomes rather than the decision-making process. Experiential spending tends to yield greater happiness than material purchases. Generosity in spending can enhance personal happiness. Expectations can heavily influence our experiences and satisfaction with purchases. Consistency bias can hinder the transition from saving to spending in retirement. Nudges can effectively guide individuals towards better financial choices. Understanding behavioral biases is key to making informed decisions. The shift in saving defaults has significantly influenced saving habits. Making financial decisions easier can lead to better outcomes. Loss aversion plays a crucial role in how people spend their money. People are more likely to spend from guaranteed income than from capital. The paradox of choice can hinder decision-making in retirement planning. Financial advisors should use simple language to communicate effectively. Concrete stories are more memorable than abstract concepts in financial advice. Visualizing retirement can help individuals make better financial decisions. Defaults in financial products can greatly impact consumer behavior. Understanding and leveraging biases can improve financial planning outcomes.Chapters
00:00 - Introduction to Behavioral Science in Marketing
06:01 - Social Proof and Herd Mentality in Retirement
12:10 - Spending Money Wisely: Experiences vs. Material Goods
17:53 - The Importance of Generosity in Spending
28:10 - Consistency Bias in Retirement Spending
36:02 - Behavioral Insights on Spending and Saving
42:10 - Navigating the Paradox of Choice
50:02 - Effective Communication for Financial AdvisorsLinks
The Choice Factory The Illusion of Choice The Super Sunday Retirement Roundup Newsletter The Skill of Spending Money in Retirement Whitepaper The Humans vs Retirement Sketchstore Book in a Time For us to Chat About Your Retirement -
Summary
In this episode of The Humans vs Retirement Podcast is get to chat with Susan Latremoille
Susan is a certified Retirement Coach (CPRC) and the author ofâŻThe RichLife â Managing Wealth and Purpose, Itâs Not Just about the Money â The Whole Life Approach to Wealth Management, and co-author â Thriving Throughout Your Retirement Transition.
Susan spent over 35 years as a wealth advisor assisting clients to financially plan for their retirement. She saw a common thread among her clients. Having enough money to retire was only a piece of the retirement puzzle. It was the non-financial side that had the greatest impact on the predictability of a successful retirement. Thatâs when Susan decided to launch next chapter lifestyle advisers, a retirement lifestyle consulting business that helps individuals and families create a retirement lifestyle plan
In our conversation Susan discusses her transition from a financial advisor to focusing on the non-financial aspects of retirement planning through her company, Next Chapter Lifestyle Advisors. She shares insights on the importance of understanding your life journeys and the concept of a 'rich life' that encompasses living well, giving back, and leaving a legacy.
Susan introduces the idea of a happiness portfolio, which includes eight non-financial areas of life that contribute to a fulfilling retirement. Our conversation emphasizes the need for a holistic approach to retirement planning that goes beyond numbers to include personal fulfillment and purpose.
Susan and I discuss the multifaceted aspects of retirement, emphasizing the importance of leisure, the dynamics of relationships, and the necessity of planning for a fulfilling next chapter in life. We explore the challenges retirees face in managing their time, setting boundaries, and maintaining social connections, while also advocating for a shift in perspective from traditional retirement to a more vibrant and purposeful next chapter.
Key Takeaways
Many retirees are not as happy as they expected. Understanding the life journey is crucial for retirement planning. The rich life mantra includes living well, giving back, and leaving a legacy. Purpose is essential for a fulfilling life after retirement. A happiness portfolio consists of eight non-financial areas of life. Retirement can bring challenges in personal relationships. Leisure is just one aspect of a fulfilling retirement. Self-understanding is the first step in retirement planning. Accountability is key to implementing a retirement plan. Leisure is a vital part of retirement planning. Changing relationships require open communication. Hedonic adaptation can diminish the joy of leisure activities. Structuring time is essential for a fulfilling retirement. The retirement honeymoon phase should be managed carefully. Setting boundaries is crucial to avoid overcommitment. Planning for the next chapter is as important as financial planning. Retirement should be reframed as a new beginning. Storytelling is more impactful than numbers in retirement planning. Communication about expectations can enhance family dynamicsSound Bites
"Live well, give back, leave a legacy."
"Purpose is a human need that we all need."
"It's a very individual journey."
"Leisure is such a vital part."
"You need to really think about it."
"It's vital to communicate your boundaries."
"We need to retire the word retirement."
"We are storytellers over spreadsheets."
"Make a plan for your next chapter."Chapters
00:00 - Introduction to Next Chapter Lifestyle Advisors
Links Next Chapter Lifestyle Advisors Susan's book 9 Steps to a Rich Life in Retirement The Super Sunday Retirement Roundup Newsletter The Skill of Spending Money in Retirement Whitepaper The Humans vs Retirement Sketchstore Book in a Time For us to Chat About Your Retirement
05:23 - The Shift from Financial to Non-Financial Planning
10:31 - Understanding the Rich Life Mindset
17:00 - Building a Happiness Portfolio for Retirement
24:50 - The Importance of Leisure in Retirement
27:13 - Navigating Changing Relationships
29:47 - The Reality of Leisure Activities
33:01 - Structuring Time in Retirement
35:57 - The Retirement Honeymoon Phase
38:56 - Setting Boundaries and Communication
43:06 - Reframing Retirement: A New Perspective -
Summary
I had the privilege to sit down with Jordan Grumet, author of the brilliant new book The Purpose Code and host of The Earn & Invest Podcast.
In this conversation, Jordan shares his journey from being a physician to discovering the importance of purpose in life, particularly in retirement.
He discusses the paradox of purpose, the difference between Big P and Little P Purpose, and how societal expectations can lead to anxiety around finding purpose.
Jordan emphasises the need to create and build purpose rather than simply searching for it, and highlights the importance of community and connections in achieving fulfillment and happiness.
Jordan and I explore the concepts of purpose, identity, and the flawed notion of retirement. We discuss how individuals often strive for external validation through accomplishments, but true fulfillment comes from understanding one's identity and engaging in meaningful activities. Our discussion emphasises the importance of time over money, the impact of little-p purpose in life, and the common regrets people have at the end of their lives.
Ultimately, Jordan encourages you to focus on the journey of life rather than the destination, and to seek out what truly lights you up.
Key Takeaways
Purpose is essential for a fulfilling life, especially in retirement. Big P Purpose can lead to anxiety and frustration. Little P Purpose focuses on the process and is more attainable. Creating purpose involves identifying what lights you up. Community and connections are vital for happiness. People often replace work-based purpose with similar frameworks in retirement. Meaning is about understanding our past, while purpose is about present actions. Happiness comes from both meaning and purpose working together. Investing in personal passions can inspire others, especially children. The journey to enoughness is crucial for finding true fulfillment. We often strive for external validation through accomplishments. True fulfillment comes from understanding our identity. Retirement should be viewed as a journey, not a destination. Time is always more important than money. Money is a tool, but little-p purpose moves the needle. Many people regret not pursuing their true passions. Success is less important than the effort and journey. Living with purpose can lead to a peaceful end of life. We should focus on what lights us up in life. The concept of enough is often smaller than we think.Sound Bites
"We need to put purpose first."
"Big P Purpose is associated with anxiety."
"Little P Purpose focuses on process, not goals."
"You have to build and create purpose."
"Purpose is a conduit to people."
"Happiness is meaning and purpose together."
"You can't purpose your way to enough."
"Identity is based not on goals, but on actions."
"Retirement is a flawed concept."
"Money is a mirage."Chapters
00:00 -Introduction to Purpose and Identity
02:31 - Jordan's Journey: From Doctor to Purpose Advocate
06:57 - The Paradox of Purpose: Anxiety vs. Fulfillment
12:39 - Big P vs. Little P Purpose: Understanding the Difference
16:31 - Creating Purpose in Retirement: The Challenge Ahead
20:52 - Building Community Through Little P Purpose
27:40 - Meaning vs. Purpose: The Journey to Enoughness
30:29 - Finding Meaning Beyond Striving
31:56 - The Challenge of Identity
34:04 - Redefining Retirement as a Journey
39:26 - The Value of Time Over Money
42:05 - The Impact of Little-P Purpose
46:27 - Regrets and Lessons from the DyingLinks
The Purpose Code The Earn & Invest Podcast The Super Sunday Retirement Roundup Newsletter The Skill of Spending Money in Retirement Whitepaper The Humans vs Retirement Sketchstore Book in a Time For us to Chat About Your Retirement -
Welcome to a special end of 2024 solo episode of the Humans vs. Retirement podcast!
This year there has been 40 episodes of the podcast released and Iâm touching on 90,000 downloads, which blows my mind! I have been so lucky to have conversations with amazing guests and the feedback has been so humbling to hear.
So, I want to take a moment to thank each and every one of you for joining me on this journey. Whether youâve tuned in to one episode or every single one, Iâm so grateful for your support and the incredible conversations weâve shared together this year.
And if you havenât yet had time to leave a review and rating then best Christmas present you could give me would be to leave one! It really helps spread the word!
As I look back at 2024, I want to share some highlights from the past 12 months, touch on the common themes that emerged, and leave you with five key takeaways that I hope will resonate as you reflect on your own journey
Reflecting on 2024: Highlights & Themes
This year has been such a meaningful one for the podcast. Together, weâve explored the realities of retirement, challenged common assumptions, and learned from so many insightful guests. Here are some highlights and recurring themes from our episodes this year:
The Emotional Side of Retirement:
We learned that retirement isnât just about financial planningâitâs also about preparing emotionally. Guests shared how identity, purpose, and connection play vital roles in creating a fulfilling retirement.Finding Purpose Post-Retirement:
A recurring message from our conversations was the importance of rediscovering purpose, whether itâs through volunteering, pursuing hobbies, or starting new ventures.Navigating the Challenges of Change:
Many of our guests spoke candidly about the challenges they faced transitioning into retirement, from redefining routines to managing relationships.Health as the Foundation:
Health and well-being emerged as central themes, with our guests emphasizing the need to invest in both physical and mental health to make the most of retirement.The Power of Community:
Lastly, we often heard about the value of building and maintaining strong social networks during retirementâitâs truly a time when connections matter more than everFive Big Takeaways from 2024
As we wrap up this incredible year, I want to leave you with five key takeaways from the conversations weâve had on the podcast:
Retirement Is a Transition, Not a Destination:
Itâs a process, not a single moment. Give yourself grace as you navigate this new chapter.Purpose Doesnât Retire:
Finding new ways to contribute, grow, and enjoy life is essential to a fulfilling retirement.Plan Beyond the Finances:
A solid financial plan is important, but donât neglect your emotional and social planning.Stay Curious:
This is your time to explore, learn, and embrace new experiences. Stay curious about the possibilities ahead.Invest in Relationships:
Relationshipsâboth new and oldâwill be your greatest source of joy and support in retirement. Nurture them.What does 2025 look like for you?
My team and I are looking to help 15 new families this year, so if you are based in the UK, thinking about your retirement in the next few years and want to explore working with me to plan and live your dream second half of life then please use the link below to book in a time for us to chat early in the new year.
Book in a time for us to chat
Of course we must be a right fit to work together on this very important phase of life so please fill in the form when clicking on the link and if we are a good fit then you will be able to book in a slot in my diary for us to chat.
Happy Holidays!!
Before I sign off, I just want to say thank you once again for being part of this journey with me. Your support, feedback, and enthusiasm mean the world, and itâs been a privilege to share these conversations with you throughout the year.
As we head into the holiday season, I hope you take time to celebrate, relax, and connect. Iâm wishing you a very Merry Christmas and a wonderful start to the New Year.
Hereâs to an exciting 2025 filled with new adventures, meaningful conversations, and continued growth. Iâve already got some brilliant episodes recorded and cracking guests lined up so I cannot wait to see you next year!
-
Summary
In this episode, I'm thrilled to welcome back to the show Christine Benz as we delve into her best selling book How to Retire: 20 Lessons For a Happy, Succesful, And Wealthy Retirement.
When Christine was a guest on the podcast in ep 36 back in March of this year, her book had not yet been released but we did get a sneak peek into what she had in store for us.
Now, having got my hands on a copy and seeing how successful the book has become I wanted to get Christine back on the show to talk about my 5 favourite chapters or lessons from the book. So, stay tuned as we discuss
Laying the groundwork with Fitz Gilbert Creating a spending plan with Jonathan Guyton Permission to spend on what matters most with Ramit Sethi Structuring portfolios for cashflow by Christine herself Leave no regrets with Jordan GrummetThroughout our conversation Christine and I explore the multifaceted aspects of retirement, focusing on the importance of mindful spending, the balance of time, money, and health, effective cash flow strategies, and the significance of purpose in life. We discuss how individuals can align their spending with their values, the psychological benefits of structured cash flow, and the necessity of reflecting on life to avoid regrets.
Key Takeaways
Retirement is a unique life stage that requires thoughtful planning. Visualizing how to use retirement years is crucial. Financial resources should support lifestyle choices in retirement. People often underestimate the complexities of retirement planning. A holistic approach to retirement includes both financial and non-financial aspects. Laying groundwork involves both financial and personal preparations. Experiencing mini-retirements can provide valuable insights. Flexible spending strategies are essential for adapting to life changes. Non-portfolio income sources can enhance financial security in retirement. Understanding the behavioral aspects of spending can improve retirement planning. Mindful spending aligns with personal values. Revisiting values annually is crucial for retirees. Cash flow strategies provide peace of mind in retirement. Purpose in life can be cultivated through small actions. It's important to enjoy the journey of life. People regret not attempting rather than failing. Elevating your worry-free number can reduce stress. Understanding the balance of time, money, and health is essential. Small P purposes can lead to a fulfilling retirement. Time is a non-renewable resource that should be valued.Sound Bites
"This is a really special life stage."
"Use your time wisely, use it thoughtfully."
"You need a unified vision for retirement."
"Mini retirements can be really impactful."
"Flexible spending strategies are essential."
"Non-portfolio income sources are important."
"Spending feels better than saving."
"Spending your money on what matters to you."
"Elevate your worry-free number."
"Purpose is not found, it's created."
"We regret not attempting, not failing."Chapters
00:00 - Introduction to Retirement Planning
03:13 - The Essence of Retirement: Time and Vision
06:00 - The Complexity of Retirement: Balancing Finances and Purpose
08:55 - Laying the Groundwork for Retirement
12:05 - Experiencing Mini-Retirements
21:05 - Creating a Flexible Spending Plan
29:30 - The Importance of Spending Mindfully
36:30 - Understanding Time, Money, and Health Balance
42:15 - Cash Flow Strategies for Retirement
48:42 - Leaving No Regrets: Embracing Purpose in LifeLinks
Buy How to Retire Book in a time for us to chat about your retirement plans -
Summary
In this episode, Dr Daniel Crosby returns to discuss his new book The Soul of Wealth and the concept of soulful wealth, particularly in the context of retirement.
He emphasises that money should serve individuals rather than control them, and highlights the importance of relationships and personal growth in achieving happiness. Our conversation explores the PERMA model, which outlines five facets of flourishing: Positive experiences, Engagement, Relationships, Meaning, and Advancement.
Daniel stresses the need for intentionality in retirement planning, focusing on non-financial elements that contribute to a fulfilling life. He also discusses the limitations of money and the critical role of time management in enhancing well-being.
Throughout our enlightening conversation, Daniel and I explore the intricate relationship between money, happiness, and retirement. We discuss the increasing screen time among retirees, the role of AI in daily life, and how spending money can align with personal values to enhance joy. Our discussion delves into the societal pressures of materialism, the fear of the unknown in retirement, and strategies for managing uncertainty. Ultimately, Daniel emphasises the importance of making conscious financial choices that reflect one's true values and the potential for positive surprises in the future.
Key Takeaways
Money should serve you, not control you. Strong relationships are key to happiness. Retirement planning should include non-financial elements. The PERMA model outlines five facets of flourishing. Engagement in meaningful activities is crucial in retirement. Loneliness can have severe health impacts. Intentionality in spending free time is essential. Advancement and personal growth should continue post-retirement. Expectations of retirement can lead to disappointment. Time management is a powerful tool for happiness. Retirees are increasingly spending time watching television due to newfound free time. AI should handle mundane tasks, allowing humans to focus on creativity. Spending money on experiences and relationships can lead to greater happiness. Aligning spending with personal values is crucial for fulfillment. Materialism is linked to lower well-being and should be avoided. Fear of the unknown can hinder retirement satisfaction. Controlling what you can in finances is essential for peace of mind. Expect market fluctuations as a normal part of investing. Positive uncertainty can lead to unexpected joys in life. Chronic stress is detrimental; managing expectations is key.Sound Bites
"Money is a servant and not a master."
"Relationships are profoundly messy."
"Retirement is often put on a pedestal."
"Money can't buy us happiness outright."
"Time is the ultimate purchase."
"We spend our free time on screens."
"I want AI to mow my lawn and do my laundry."
"Align your spending with your core values."
"The Joneses aren't as happy as they seem."
"Expect market corrections; they are normal."Chapters
00:00 - Introduction and Welcome Back
01:13 - Defining Soulful Wealth
05:00 - The Role of Relationships in Retirement
10:08 - Exploring the PERMA Model
14:25 - Creating Opportunities for Advancement
16:18 - The Reality of Retirement Expectations
19:24 - Understanding Money's Limitations
22:12 - The Importance of Time in Retirement
25:58 - The Rise of Screen Time in Retirement
27:47 - The Role of AI in Daily Life
28:44 - Spending Money for Happiness
34:31 - Aligning Spending with Values
37:27 - The Joneses Aren't Happy
42:07 - Confronting the Fear of the Unknown
49:44 - Managing Uncertainty in RetirementLinks
Buy Daniel's brilliant book The Soul of Wealth TED Talk by Martin Seligman on Positive Psychology & the PERMA Model Book in a time for us to chat about your retirement plans -
Summary
In this episode of the Humans vs Retirement podcast, Sheridan shares her inspirational journey through trauma and healing, emphasising the importance of understanding the nervous system's role in our experiences.
Our conversation explores the challenges of modern retirement, likening it to a form of grief, and highlights the need for intentional preparation for this significant life transition. Sheridan and I explore the emotional and psychological aspects of navigating challenges, particularly in the context of retirement and personal growth. We discuss the importance of understanding emotional responses, the necessity of lifelong learning, and the skills required to manage sensations and emotions effectively.
She emphasises the significance of spending money wisely to create lasting memories, the barriers individuals face in changing their spending habits, and the differences in emotional expression between genders. The conversation concludes with actionable insights for listeners to reflect on their own narratives regarding money and life transitions.
Key Takeaways
Sheridan's story illustrates resilience and the power of healing. The nervous system plays a crucial role in our life experiences. Modern retirement poses unique challenges for individuals. Retirement can evoke feelings similar to grief.People often neglect to plan adequately for retirement. Understanding one's nervous system can aid in emotional regulation. The transition into retirement can feel lonely and confusing. Money is a significant factor in how we experience safety and identity. Intentional preparation for retirement can lead to fulfillment. This phase of life can be the most rewarding if approached thoughtfully. Your body perceives the threat is too big. We just haven't given ourselves the tools to deal with challenges. Every single thing that we avoid is about the sensations it creates. Being with corporal sensation is a skill that can be learned. The best retirees are lifelong learners who stay curious. Learn how to be with more sensations in your body. Spending money is a skill that no one's ever been taught. Turn your money into memories rather than just saving. Your full-time job is now nervous system regulation after retirement. The biggest blocker to spending is our internal wiring and identity.Sound Bites
"Sheridan's story is truly inspirational."
"The nervous system's job is to keep you safe."
"Retirement is like a form of grief."
"This is crucial stage of life."
"Your body perceives the threat is too big."
"We just haven't given ourselves the tools."
"Being with corporal sensation is a skill."
"The best retirees are lifelong learners."
"Turn your money into memories."
"The biggest blocker is our internal wiring."Chapters
00:00 - Introduction and Background
07:50 - Sheridan's Journey Through Trauma
14:57 - Understanding the Nervous System
19:52 - The Challenges of Modern Retirement
26:04 - Retirement as a Form of Grief
28:02 - Understanding Emotional Responses to Challenges
32:15 - The Importance of Lifelong Learning
34:10 - Navigating Sensations and Emotions
35:21 - The Skill of Spending Money Wisely
38:41 - Barriers to Spending and Emotional Vulnerability
41:26 - Nervous System Regulation and Emotional Processing
44:37 - Gender Differences in Emotional Expression
49:27 - Final Thoughts and Homework for ListenersLinks
www.sheridanruth.com Nervous System Cheat Sheet -
Summary
In this episode of the Humans vs Retirement podcast, I get to have a great conversation with Victoria Barker, co-founder of Beyond Your Career. Beyond Your Career is a programme led by a skilled team of expert coaches, psychologists and neuropsychologists to help ensure a smooth psychological transition from a demanding career, which includes workshops and insights from world-class experts and a supportive community of peers navigating the same transition.
We discuss the challenges of transitioning from demanding careers to retirement, the importance of early planning, and the psychological aspects of identity and purpose. Victoria shares her journey of co-founding Beyond Your Career, driven by her observations of the struggles faced by individuals, particularly men, during this transition.
Our conversation emphasises the need for community support, understanding one's identity beyond work, and the significance of preparing for retirement well in advance.
Victoria and I explore the themes of career transitions, rediscovering passions, and the importance of values in shaping one's purpose. We discuss the courage required to pursue new paths, the common tendency to follow societal expectations, and the significance of introspection in finding fulfillment. Our discussion also highlights the impact of the book 'The Why Cafe' on understanding purpose and the necessity of values as a foundation for personal growth and decision-making.
Key Takeaways
The transition from a demanding career can lead to identity crises. Planning for retirement should start years in advance. Community support is crucial during the transition process. Many individuals struggle with mental health after leaving their careers. Understanding personal values is key to a fulfilling retirement. The disconnect between research and real-life experiences is significant. Men are particularly at risk of struggling with retirement transitions. It's important to explore who you want to be, not just what you will do. Life reviews can help identify themes and desires for the future. Crafting multiple identities can aid in a smoother transition. Reflecting on past aspirations can lead to fulfilling new paths. Courage is essential for making bold career decisions. Many pursue roles they think they should, rather than what they want. Introspection is crucial for understanding personal desires. Transitioning from full-time work can be gradual and beneficial. Purpose can be found through exploration and experimentation. Values serve as the foundation for identity and purpose. Asking difficult questions can lead to deeper self-awareness. The journey to purpose often involves trial and error. It's important to recognize and avoid paths that don't resonate.Chapters
00:00 Introduction to Beyond Your Career
04:29 The Journey to Co-Founding Beyond Your Career
08:38 Understanding the Transition Process
12:34 Planning for Retirement: The Importance of Early Preparation
18:50 The Disconnect Between Research and Reality
21:46 Identity Crisis: Who Are You After Retirement?
27:57 Crafting a New Identity Post-Career
31:18 Rediscovering Passions and Aspirations
34:49 The Courage to Change Paths
38:13 Questioning the 'Shoulds' in Career Transitions
41:58 Navigating the Transition from Full-Time Work
44:17 The Y Cafe: A Journey to Purpose
55:38 Values as the Foundation for PurposeLinks
Beyond Your Career The Why Cafe -
About Kimberly
Dr. Harms helps people understand the importance of showing their love for their families by setting them up for success through comprehensive legacy planning.
Dr. Harms has witnessed death up close many times throughout her life. She suffered the loss of her mother and her son to suicide and, eventually, her husband from a broken heart. These events shaped her views on finding meaning in grief, and she set out on a mission to end the stigma around end-of-life planning.
As a fourth-quarter coach and international speaker specializing in grief, conflict resolution, and legacy planning, she helps people put an emotional life insurance plan in place so that their loved ones are left in an emotionally healthy space after they are gone.
Her book Are You Ready? How to Build a Legacy to Die For discusses how to build a legacy that lives on after your death. It was a #1 bestseller on Amazon and Barnes & Noble and named the most inspirational book of 2024 by the Pacific Book Awards.
Summary
In this episode of the Humans vs Retirement podcast, Dr. Kimberly Harms shares her profound journey through grief, loss, and the quest for purpose in the later stages of life.
At 68, Kimberly reflects on her experiences, including the tragic loss of her Mum, son and husband, and how these events shaped her understanding of legacy and the importance of living fully.
She emphasises the need for purpose in retirement, the significance of building quality relationships, and the power of love letters as a means to connect with family beyond death.
Kimberly's insights encourage you to confront your mortality, embrace your life stories, and create meaningful legacies that transcend material wealth.
Throughout our conversation, Kimberly and I explore the significance of building a legacy that resonates with love and connection. We discuss the importance of appointing trusted individuals to carry out one's wishes, navigating difficult conversations about death, and the emotional benefits of downsizing.
Kimberly shares her personal experiences with grief and the importance of maintaining relationships, culminating in her concept of a 'Grateful But Not Yet Dead Tour' where she expresses appreciation to those who have impacted her life.
Key Takeaways
Grief affects everyone around us, and we must fight to overcome it. Retirement can lead to a sense of emptiness without purpose. Building quality relationships is key to happiness in life. Understanding mortality allows us to live more fully. Love letters can provide comfort and connection after death. We should take the initiative to develop relationships and not wait for others. Legacy is not about money; it's about the impact we leave behind. Writing letters can help express love and pride to family members. It's important to prepare for death to ease the burden on loved ones. We can reinvent ourselves in the later stages of life. Appoint trusted individuals to carry out your wishes. Last minute statements can provide immense comfort. Regularly express love to family members. Cultural attitudes often deny discussions about death. Navigating conversations about death can be challenging but necessary. Downsizing can be painful but ultimately freeing. Focus on relationships over material possessions. Planning for the future can ease family burdens after death. Creating memories and experiences is a vital part of legacy. Expressing gratitude can enhance personal happiness and relationships.Sound Bites
"I realized that I am in the fourth quarter of my life"
"It's worth it to get out there and fight your way out"
"Retirement is a time to reinvent ourselves"
"You can't underestimate the power of those moments."
"Those last minute statements are so powerful."
"It's important to tell our family how much we love them."Chapters
00:00 - Introduction to Dr. Kimberly Harms
01:29 - Kimberly's Journey Through Grief and Loss
09:38 - The Impact of Grief on Life and Purpose
17:22 - Understanding Mortality and Living Fully
24:54 - Building a Legacy Beyond Money
29:10 - The Importance of Appointing Trusted Individuals
33:02 - Navigating Difficult Conversations About Death
40:01 - Downsizing and Emotional Wellbeing
49:18 - The Grateful But Not Yet Dead TourLinks
Kimberly's book Are You Ready? How to Build a Legacy to Die For
- Montre plus
