The Humans vs Retirement Podcast

In this energising and heartfelt episode, I'm joined by Tony Taylor, a retired entrepreneur turned healthy ageing coach, functional medicine practitioner, and the creator of the 7 Pillars of Ageing Responsibly. After facing the retirement cliff edge head-on, Tony rebuilt his life with purpose, resilience, and a relentless curiosity. Together, we explore what it really means to age well in today’s world, beyond the money talk and the small, intentional choices that lead to a longer, stronger, more connected life. What You'll Learn: Why retirement often starts with confusion, not celebration How to build your own "power hour" to set up each day with intention The vital difference between lifespan and healthspan How to avoid the three silent killers of retirement: complacency, disconnection, and loss of purpose Why strength training, sleep, and curiosity may be more important than your pension pot The overlooked power of cross-generational relationships What resilience really means, and how to build it at any age Key Topics Covered: Tony’s personal story: from business owner to active ageing advocate The cliff-edge effect of retirement and how to navigate it The 7 Pillars of Ageing Responsibly: Sleep Resilience Purpose Complacency Strength Curiosity Connection How to rethink your day-to-day structure in retirement Why men need to do a better job of building social connections Cold showers, olive oil, and “shopping bag carries” as unlikely tools for longevity Why mindset is the ultimate muscle to train Resources & Mentions: Tony’s blog: Aging Responsibly Book: The Sleep Book by Dr. Guy Meadows Mentioned: Eckhart Tolle – The Power of Now Stay Connected: Want more thought-provoking conversations like this one? Humans vs RetirementAppleSpotifyVisit 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. The Skill of Spending Money in RetirementConnect with me on LinkedIn for more insights and updates. The Retirement FixLeave us a ⭐⭐⭐⭐⭐ review if this episode helped shift your perspective! It really helps spread the word.

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 You’ll 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 “why” before writing How ghostwriting and book coaching work (and why it’s 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 Wilkie’s free gift: How to Write a Memoir PDF and 20-minute exploratory session Email Helen at: helen@theexecutivesbookcoach.com with subject line: “Memoir Guide” Helen’s 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? Humans vs RetirementAppleSpotifyVisit 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. The Skill of Spending Money in RetirementConnect with me on LinkedIn for more insights and updates. The Retirement FixLeave us a ⭐⭐⭐⭐⭐ review if this episode helped shift your perspective! It really helps spread the word.

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 isn’t about doom and gloom, it’s about taking control. Whether you’re planning for your own legacy, thinking about your children’s future, or simply want to make sure the government doesn’t get more than its fair share, this is a must-listen. What You'll Learn Why inheritance tax is about more than just money, it’s 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 it’s vital even if you’re 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 Topics Wills and the rules of intestacy: what really happens if you don’t 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 & Mentions Stuart Ritchie’s book: Who Will Get My Money When I Die? – available on Amazon Stuart’s firm: www.richiephillips.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 I’m 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 Connected Want more thought-provoking conversations like this one? Humans vs RetirementAppleSpotifyVisit 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. The Skill of Spending Money in RetirementConnect with me on LinkedIn for more insights and updates. The Retirement FixLeave us a ⭐⭐⭐⭐⭐ review if this episode helped shift your perspective! It really helps spread the word.

What really matters in retirement? After the spreadsheets are done, the portfolio’s 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 “10 Commandments of Retirement”, a personal code he created before stepping away from corporate life and how each one has guided his journey. From “Make No Obligations” to “Keep Eternity in Mind,” these principles offer a practical, heartfelt framework for anyone who wants to retire with intention, freedom, and joy. What You’ll Learn Why 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 “retirement depression” 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 Discussed Fritz’s “10 Commandments of Retirement” and how they’ve 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 “retirement planning” must include much more than your finances How to craft your own post-career mission, values, and personal compass Resources & Mentions The Retirement Manifesto Blog Keys to a Successful Retirement by Fritz Gilbert – Buy on Amazon Fritz’s article: The 10 Commandments of Retirement Freedom for Fido Charity Your Next Step Want 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. Let’s Keep the Conversation Going Follow & 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 ⭐⭐⭐⭐⭐ review if this episode helped shift your perspective!

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 Learn Why financial readiness alone doesn’t 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 “space.” 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 Discussed The 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 “messy middle” of change. How to think differently about work as part of a fulfilling retirement. Resources Mentioned What Will I Do All Day? by Patrice Jenkins Patrice’s Website — patricejenkins.com Richard Leider’s The Power of Purpose Book Mention: Die With Zero by Bill Perkins Memorable Quotes "Retirement is not about keeping busy. It’s about living meaningfully and purposefully every day." — Patrice Jenkins "Work gave you structure, identity, and purpose — but your next chapter can too. It just takes intention." — Patrice Jenkins "Perhaps work kept you so busy that you forgot what you used to love. It's time to remember." — Patrice Jenkins "You don't have to figure out your whole retirement — just the next two years." — Dan A Takeaway Exercise The '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 Thought Retirement isn’t the end of the story, it’s the beginning of a new one. The key isn’t to stay busy; it’s to stay true. Stay curious. Stay purposeful. Whether you're months away from retirement or years in, there’s always an opportunity to dream, to experiment, and to build a life you’re excited to wake up to. Stay Connected If 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 who’s thinking about (or struggling with) their retirement journey. The Skill of Spending Money in RetirementFollow me on LinkedIn for more insights and updates. 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 Learn The 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 Discussed Dr. 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 – The early, carefree, "holiday" phase of retirement. The Loss and Lost Phase – The period of disillusionment marked by loss of purpose, identity, relationships, and routine. The Trial and Error Phase – The experimental stage of trying new activities, facing failures, and re-finding purpose. The Reinvent and Rewire Phase – 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 Mentioned The Four Phases of Retirement: What to Expect When You're Retiring by Dr. Riley Moynes Dr. Riley Moynes’ viral TED Talk — "The 4 Phases of Retirement" Mention of Fritz Gilbert’s blog, The Retirement Manifesto Kübler-Ross Change Curve (Grief & Loss framework referenced in discussion) A Takeaway Exercise Your 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 Thought Retirement is not a finish line, it’s 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, it’s not about endless vacations or financial spreadsheets; it’s 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 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 Subscribe on Apple Podcasts | Spotify | YouTube 📩 Enjoyed the episode? Leave a review and let us know your biggest takeaway!

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 You’ll Learn really Key Topics Discussed lensmirror Books & Resources Mentioned The Ikigai WayIkiQuest on SubstackFalling UpwardHarvard Study on Adult DevelopmentBlue Zones research Memorable Quotes “Ikigai is expressing your essence in harmony with whatever you’re doing—whether that's career, relationships, hobbies, or just life.” – David Marlow “You don’t find your Ikigai—you uncover it.” “Ask yourself: What’s your tennis ball? What makes you forget to eat?” “Retirement isn't about leaving something behind. It's about leaning into what’s always been within you.” Takeaway Exercise Ask yourself two powerful questions: truly great day Use your answers to start mapping out the threads of your own Ikigai. Connect with David Marlow IkiQuest Newsletter on Substackdavidmarlow.comDavid on LinkedInThe Ikigai Way Final Thought Whether you’re five years away from retirement or already navigating the transition, this episode reminds us that purpose doesn’t end when work does. With small steps and deep reflection, you can uncover a life of fulfillment, alignment, and joy—your Ikigai. Humans 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 Subscribe on Apple Podcasts | Spotify | YouTube 📩 Enjoyed the episode? Leave a review and let us know your biggest takeaway!

Episode Summary Retirement isn’t just a financial transition, it’s 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 industry’s 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 you’ve 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 You’ll Learn in This Episode retirement isn’t just about moneyhabits and mindsetcommon identity crisismath problemhuman challengedevelop purpose, fulfillment, and structurecoachingDiscretionary Inc. Key Topics Discussed [00:02] – Introduction & Catching Up financial coachingnumbers-focused planningholistic, human-first approach [00:10] – The Mindset Shift for Retirement emotional journey of retirementthree-dimensional approach [00:25] – Identity & Purpose in Retirement biggest identity crisis retirees face"retire with" [00:40] – Mindset, Habits & Breaking Old Patterns beliefs shape our retirement experiencegrowth mindset and beginner mindsetimportance of failure and experimentation [00:55] – Retirement & Relationships: The Gray Divorce Trend marriages and partnershipsgray divorcethree journeys [01:10] – The Future of Retirement & Financial Planning adapt their servicesDiscretionary Inc. [01:25] – Final Takeaways traditional retirement model is outdatedredefine your mindset and habits Books & Resources Mentioned Books: The Psychology of MoneyMorgan HouselMindset: The New Psychology of SuccessCarol S. DweckLet ThemMel RobbinsMeditationsMarcus AureliusLetters from a StoicSenecaThe Bhagavad GitaHindu Philosophy on Purpose & Duty Research & Studies: Retirement & DepressionGray Divorce Trends9% (1990) to 40% (recent years) Additional Resources: Morgan Housel’s Blog on Behavioral FinanceCarol Dweck’s Research on Growth MindsetGeorge Kinder’s Life Planning Method Connect with Us Follow Lindsay Troxell: www.ourcoachinginitiative.com/www.linkedin.com/in/lindsaytroxell/ Follow Dan & The Podcast: www.humansvsretirement.comwww.linkedin.com/in/dan-haylett-retirement-coach/Apple Podcasts | Spotify | YouTube 📩 Enjoyed the episode? Leave a review and let us know your biggest takeaway!

This is episode 75! And I’m 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 money—especially in retirement. In this episode, we’ll 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 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 Planning Books & 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 RiskLinkedIn Humans 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

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 Books Mentioned Retirement IntelligenceFrom Strength to StrengthThe Top Five Regrets of the DyingThe Power of Regret Websites & Resources Retirement Coaches AssociationBob Laura’s WebsiteRetirement Quotient (RQ) AssessmentHarvard Study of Adult Development Other Mentions Gray Divorce Statistics The Gray Divorce Revolution: Rising Divorce Among Middle-aged and Older Adults, 1990-2010Loneliness & Aging ResearchLoneliness in Old Age: An Unaddressed Health Problem Humans vs Retirement The Super Sunday Retirement Roundup NewsletterThe Skill of Spending Money in Retirement WhitepaperThe Humans vs Retirement SketchstoreBook in a Time For us to Chat About Your Retirement

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 host’s 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 Books Mentioned: The Mindful Millionaire by Leisa Peterson https://www.amazon.com/Mindful-Millionaire-Overcome-Experience-Prosperity-ebook/dp/B0818QDPW1 The Money Catalyst by Leisa Peterson (Upcoming Release on May 11, 2025) (Pre-order link to be added when available) Websites & Resources: Leisa Peterson’s Wealth Clinic https://www.wealthclinic.com The Mindful Millionaire Podcast https://www.wealthclinic.com/podcast/ Concepts & Frameworks: The I PROSPER® Framework 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 A study by Harvard Business School on how spending impacts well-being: https://www.hbs.edu/faculty/Pages/item.aspx?num=50495 Related Media: Interview with Leisa Peterson: How To Become A Mindful Millionaire https://www.youtube.com/watch?v=Ug0ghHVy9ww Humans 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

Summary Welcome to a very special episode 72 of The Humans vs Retirement Podcast… Why is it special I hear you say… Well, its special because it’s 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 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 Retirees Links The Super Sunday Retirement Roundup NewsletterThe Skill of Spending Money in Retirement WhitepaperThe Humans vs Retirement SketchstoreBook 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 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 Advisors Links The Choice FactoryThe Illusion of ChoiceThe Super Sunday Retirement Roundup NewsletterThe Skill of Spending Money in Retirement WhitepaperThe Humans vs Retirement SketchstoreBook 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 of The RichLife – Managing Wealth and Purpose, It’s Not Just about the Money – The Whole Life Approach to Wealth Management, and co-author – 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. That’s 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 Sound 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 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 Links Next Chapter Lifestyle Advisors9 Steps to a Rich Life in RetirementThe Super Sunday Retirement Roundup NewsletterThe Skill of Spending Money in Retirement WhitepaperThe Humans vs Retirement SketchstoreBook in a Time For us to Chat About Your Retirement

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 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 Dying Links The Purpose CodeThe Earn & Invest PodcastThe Super Sunday Retirement Roundup NewsletterThe Skill of Spending Money in Retirement WhitepaperThe Humans vs Retirement SketchstoreBook 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 I’m 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 you’ve tuned in to one episode or every single one, I’m so grateful for your support and the incredible conversations we’ve shared together this year. And if you haven’t 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, we’ve 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 isn’t just about financial planning—it’s 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 it’s 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 retirement—it’s truly a time when connections matter more than ever Five Big Takeaways from 2024 As we wrap up this incredible year, I want to leave you with five key takeaways from the conversations we’ve had on the podcast: Retirement Is a Transition, Not a Destination: It’s a process, not a single moment. Give yourself grace as you navigate this new chapter. Purpose Doesn’t 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 don’t 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: Relationships—both new and old—will 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 it’s been a privilege to share these conversations with you throughout the year. As we...

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 GilbertCreating a spending plan with Jonathan GuytonPermission to spend on what matters most with Ramit SethiStructuring portfolios for cashflow by Christine herselfLeave no regrets with Jordan Grummet Throughout 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 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 Life Links How to RetireBook 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 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 Retirement Links 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 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 Listeners Links 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 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 Purpose Links Beyond Your Career The Why Cafe