The Humans vs Retirement Podcast

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!

Welcome back to Humans vs Retirement! Season 6 kicks off with something brand new — no guests, no panels, just me, the mic, and the unfiltered truth about retirement. In this episode, I tackle one of the biggest myths of all: that retirement is the finish line. Spoiler alert — it’s not. Retirement is the starting line of an entirely new chapter, and one that comes with as many emotional and psychological hurdles as financial ones. From the collapse of structure and identity, to the massive gap between our healthspan and lifespan, I explore why retirement isn’t about winding down — it’s about gearing up for your next act. You’ll also get this week’s Challenge of the Week: a practical exercise to help you shift from “retiring from” to “retiring to.” What You’ll Learn in This Episode Why the glossy brochure version of retirement is a dangerous myth. The difference between lifespan and healthspan — and why it matters more than you think. How retirement strips away routine, identity, and purpose (and why no one warns you about it). The 4 phases of retirement (and why most people get stuck in the messy middle). The most important question you can ask yourself before — and after — retiring. A powerful reframe: retirement as a threshold, launchpad, and second mountain. This week’s Challenge of the Week: Write your new job description as CEO of Your Own Life. Resources & Links 📚 Dr. Riley Moynes — The 4 Phases of Retirement (featured in Episode 78). 💡 Bill Perkins (2020) — Die With Zero (on memory dividends). 👉 Want more? Connect with me on LinkedIn and share your Challenge of the Week answers. 👉 Buy my book The Retirement You Didn't See Coming 👉 Book a time for us to chat about your retirement plans Next Episode Up next: Past Built You. Future Needs You — exploring identity collapse in retirement and how to rebuild a stronger, truer self without your job title.

In this deeply insightful and refreshingly honest conversation, I sit down with retirement coach and former financial services executive Toni Petrillo, founder of Retire with Intention. We explore the emotional complexities and personal transformations that often define life after full-time work, diving into the hidden challenges retirees face, particularly around identity, relationships, and what Toni calls the “messy middle.” From evolving partnership dynamics to redefining self-worth and navigating the in-between, this episode offers both practical wisdom and warm reassurance for anyone feeling unsettled in retirement. What You’ll Learn Why a solid financial plan isn’t enough, and what you need instead The concept of “retiring with intention” and how to do it well How relationship dynamics shift after work ends (and how to prepare) The danger of rushing through retirement's “messy middle” Tools and exercises to rediscover identity, purpose, and self Why curiosity and honest self-reflection are underrated retirement superpowers The real reason so many retirees feel lost, even when everything looks great on paper Key Topics Toni’s journey from financial executive to retirement coach Letting go of your business card and your professional identity The new relationship rules for life post-career Setting boundaries with adult children and grandchildren Rebuilding your relationship with yourself in retirement Understanding and embracing the “messy middle” of post-work life Designing a retirement based on your individual AND shared vision The power of pausing, experimenting, and reflecting The underestimated emotional labour of retiring Why permission, especially to feel, pause, and evolve, is everything Resources & Mentions Retire with Intention — Toni Petrillo’s coaching practice Harvard Online Course: Managing Happiness (mentioned by Toni) Statistics on Grey Divorce in the UK  Stay Connected Want more thought-provoking conversations like this one? Subscribe to Humans vs Retirement on Apple, Spotify, or wherever you get your podcasts Visit 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 Retirement Connect with me on LinkedIn for more insights and updates. Subscribe to my weekly newsletter - The Retirement Fix Leave us a ⭐⭐⭐⭐⭐ review if this episode helped shift your perspective! It helps spread the word.

In this powerful and entertaining episode, I'm delighted to be joined by podcasting legend Matt Halloran, co-founder of ProudMouth. Together, we explore why podcasting isn't just a tool for business; it’s a deeply human medium that offers purpose, connection, and even legacy in retirement. Whether you're a financial planner looking to build trust with your audience or you're approaching retirement and searching for a creative outlet to share your story, this episode is packed with insight, humour, and encouragement. From storytelling to encore careers, legacy creation to building an ecosystem around your voice, this one goes beyond the mic. What You’ll Learn Why podcasting is the perfect pursuit for your second half of life How telling your story can create a real connection and leave a lasting legacy The simple tools and mindset needed to launch a podcast, even in retirement How podcasting can transform how financial advisers build trust and attract clients Why “giving away your wisdom” isn’t bad business, it’s great business The 4-part formula for powerful content: storytelling, education, entertainment, and call-to-action Key Topics Covered My journey into podcasting and how Matt helped spark it The evolution of podcasting: from radio tapes to legacy libraries Podcasting as therapy, storytelling, and a vehicle for human connection How retirees can use podcasting to reinvent themselves post-career The magic of interviewing clients, friends, and family Building a podcast around your encore career or consultancy Using voice to build trust and deepen client relationships Pitfalls to avoid when starting and how to play the long game Why being proud of your voice is the first step to being heard Resources & Mentions ProudMouth – Matt’s podcasting and marketing company for financial professionals The PodRocket Academy – Free courses to help you launch your podcast Book: Influence by Dr. Robert Cialdini Podcast: Ologies by Alie Ward (Matt’s pick for top-tier podcast hosting) Stay Connected Want more thought-provoking conversations like this one? Subscribe to Humans vs Retirement on Apple, Spotify, or wherever you get your podcasts Visit 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 Retirement Connect with me on LinkedIn for more insights and updates. Subscribe to my weekly newsletter - The Retirement Fix Leave us a ⭐⭐⭐⭐⭐ review if this episode helped shift your perspective! It helps spread the word.  

In this episode, I had the privilege to sit down with world-renowned economist Dr. Jeff Brown to explore one of retirement's most misunderstood tools, annuities. But this isn’t your typical dry financial chat. Together, we unpack why guaranteed income might be the key to unlocking joy, confidence, and peace of mind in retirement. With a perfect blend of behavioural science, practical wisdom, and a few sporting analogies thrown in for good measure, this conversation tackles the emotional and psychological dimensions of spending in retirement. If you’ve ever thought annuities were boring or unnecessary, this episode might just change your mind (and your future). What You’ll Learn Why most people don’t buy annuities, and why that might be a huge mistake The “under-annuitisation puzzle” and what it reveals about human behaviour How guaranteed income permits retirees to spend with confidence Why planning to “live to 90” is a dangerous oversimplification The impact of cognitive decline on financial decision-making How framing retirement as a complex human problem changes everything Innovative policy ideas and product designs that could change the retirement game Key Topics Lifetime income vs lump sum: the psychology behind the choice Framing effects: how a few words can change your retirement plan Complexity theory in financial planning The power of defaults and nudges in retirement decisions Emotional burden of wealth vs income in later life The link between guaranteed income and happiness in retirement The decline of cognitive ability and how annuities can provide protection The role of tech and AI in the future of retirement advice Resources & Mentions TIAA (Teachers Insurance and Annuity Association) License to Spend white paper – Blanchett, Finke Health and Retirement Study (HRS), US From Strength to Strength by Arthur C. Brooks The End of History Illusion – Gilbert, Wilson, & others Stay Connected Want more thought-provoking conversations like this one? Subscribe to Humans vs Retirement on Apple, Spotify, or wherever you get your podcasts Visit 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 Retirement Connect with me on LinkedIn for more insights and updates. Subscribe to my weekly newsletter - The Retirement Fix Leave us a ⭐⭐⭐⭐⭐ review if this episode helped shift your perspective! It helps spread the word.

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? Subscribe to Humans vs Retirement on Apple, Spotify, or wherever you get your podcasts Visit 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 Retirement Connect with me on LinkedIn for more insights and updates. Subscribe to my weekly newsletter - The Retirement Fix Leave 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? Subscribe to Humans vs Retirement on Apple, Spotify, or wherever you get your podcasts Visit 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 Retirement Connect with me on LinkedIn for more insights and updates. Subscribe to my weekly newsletter - The Retirement Fix Leave 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.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 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? Subscribe to Humans vs Retirement on Apple, Spotify, or wherever you get your podcasts Visit 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 Retirement Connect with me on LinkedIn for more insights and updates. Subscribe to my weekly newsletter - The Retirement Fix Leave us a ⭐⭐⭐⭐⭐ review if this episode helped shift your perspective! It really helps spread the word.  

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. Download for free my whitepaper - The Skill of Spending Money in Retirement Follow 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 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 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 “ending” to “uncovering” Practical tools and reflections to help you discover your own Ikigai Key Topics Discussed David’s 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 – A modern guide to discovering your essence and purpose David’s newsletter: IkiQuest on Substack – Daily reflections and community around Ikigai Falling Upward by Richard Rohr – Discussed in reference to life’s two halves and spiritual maturity Harvard Study on Adult Development – Cited as supporting evidence for the power of purpose and connection Blue Zones research – Referenced regarding community, longevity, and purpose in Okinawan culture 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: When was the last time you had a truly great day? What were you doing? Who were you with? What’s 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 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 Why retirement isn’t just about money—and why financial security alone won’t make you happy. How habits and mindset shape your retirement experience (and how to rewire them). The common identity crisis retirees face—and how to navigate it with confidence. Why traditional financial planning treats retirement as a math problem, when it’s actually a human challenge. How to develop purpose, fulfillment, and structure in retirement. The importance of coaching and why having a financial plan isn’t enough. How Lindsay’s business, Discretionary Inc., helps child-free entrepreneurs create a unique life plan that reflects their values and goals. Key Topics Discussed [00:02] – Introduction & Catching Up Lindsay’s background in financial coaching and life planning. The shift from numbers-focused planning to a holistic, human-first approach. [00:10] – The Mindset Shift for Retirement Why people treat retirement as a math problem (and why that’s wrong). The emotional journey of retirement—why so many people feel lost after stopping work. The three-dimensional approach to retirement: wealth, health, and identity. [00:25] – 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] – 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] – 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 partner’s path, and your shared path. [01:10] – 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. Lindsay’s business Discretionary Inc. and why child-free entrepreneurs need specialized financial and life planning. [01:25] – 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. Lindsay’s best advice for people approaching retirement. Books & Resources Mentioned Books: The Psychology of Money – Morgan Housel Mindset: The New Psychology of Success – Carol S. Dweck Let Them – Mel Robbins Meditations – Marcus Aurelius Letters from a Stoic – Seneca The Bhagavad Gita – Hindu Philosophy on Purpose & Duty Research & 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 Housel’s Blog on Behavioral Finance Carol Dweck’s Research on Growth Mindset George Kinder’s Life Planning Method Connect with Us Follow 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 | 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 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 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 Risk Connect with Greg on LinkedIn 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 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 – Bob Laura’s book From Strength to Strength – Arthur Brooks book mentioned in the discussion about workaholism and identity) The Top Five Regrets of the Dying – Bronnie Ware’s book referenced when discussing regrets and priorities in retirement The Power of Regret – Daniel Pink’s book talked about in relation to turning regrets into action  Websites & Resources Retirement Coaches Association – Bob Laura’s organization focusing on retirement coaching Bob Laura’s Website – Link to Bob Laura’s official website for resources, blogs, and retirement coaching. Retirement Quotient (RQ) Assessment – Bob’s online assessment tool for RQ Harvard Study of Adult Development – The famous study mentioned in the discussion about social connection and longevity.  Other Mentions Gray Divorce Statistics – The Gray Divorce Revolution: Rising Divorce Among Middle-aged and Older Adults, 1990-2010 Loneliness & Aging Research – Loneliness in Old Age: An Unaddressed Health Problem 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  

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 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/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 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 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 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 Retirees Links 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 Advisors Links 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 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 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 dynamics 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 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

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 Dying Links 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 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 head into the holiday season, I hope you take time to celebrate, relax, and connect. I’m wishing you a very Merry Christmas and a wonderful start to the New Year.  Here’s to an exciting 2025 filled with new adventures, meaningful conversations, and continued growth. I’ve already got some brilliant episodes recorded and cracking guests lined up so I cannot wait to see you next year!