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The Retirement Wisdom Podcast

Author: Retirement Wisdom

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This retirement podcast covers the changing nature of retirement today. Our guests offer useful insights on how to retire as well as the non-financial aspects of a successful retirement transition including retiring early, working longer and making a career shift in pre-retirement.
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Retirement planning entails a series of important decisions, including lifestyle decisions with long-lasting consequences. My guest today, economist Larry Kotlikoff, discusses his new book, Money Magic: An Economist's Secrets to More Money,Less Risk, and a Better Life, and how to make smarter lifestyle decisions by understanding the true price tags for each of them. See below for Larry Kotlikoff's full bio and links to learn more. _________________________ Retirement Wisdom is partnering with One Day University to bring you a FREE live-streamed talk with renowned Amherst Professor Catherine Sanderson, on January 18th, at 7 pm ET | 6pm CT | 4 pm PT. Professor Sanderson will present a live-streamed, one-hour version of her most popular course, Positive Psychology: The Science of Happiness, including time for Q&A in real-time. If you can’t tune in live, everyone who RSVPs will receive a link to watch the class anytime they want. To RSVP today for this free class, just visit: www.onedayu.com/retirementwisdom __________________________ Bio Laurence J. Kotlikoff is a William Fairfield Warren Professor at Boston University, a Professor of Economics at Boston University, a Fellow of the American Academy of Arts and Sciences, a Fellow of the Econometric Society, a Research Associate of the National Bureau of Economic Research, President of Economic Security Planning, Inc., a company specializing in financial planning software, a Research Associate of the Gaidar Institute, and a Research Fellow of the Goodman Institute.Kotlikoff is also a New York Times Best Selling author. The Economist Magazine ranked Kotlikoff one of the world’s 25 most influential economists. His website is Professor Kotlikoff received his B.A. in Economics from the University of Pennsylvania in 1973 and his Ph.D. in Economics from Harvard University in 1977. From 1977 through 1983, Kotlikoff served on the faculties of economics of the University of California, Los Angeles and Yale University. In 1981-82 Professor Kotlikoff was a Senior Economist with the President’s Council of Economic Advisers. Professor Kotlikoff’s writings and research address personal finance, inequality, taxation, Social Security, climate change, investing, healthcare, deficits, and insurance. Professor Kotlikoff is author or co-author of 20 books, hundreds of professional journal articles, and a multitude of op eds and blogs. His most recent books are Money Magic: An Economist's Secrets to More Money,Less Risk and a Better Life, You’re Hired, Get What’s Yours – the Revised Secrets to Maxing Out Your Social Security (a NY Times Best Seller co-authored with Philip Moeller and Paul Solman), The Clash of Generations (co-authored with Scott Burns), The Economic Consequences of the Vickers Commission, Jimmy Stewart Is Dead, Spend ‘Til the End, (co-authored with Scott Burns), Generational Policy (MIT Press), The Healthcare Fix, and The Coming Generational Storm (co-authored with Scott Burns). Kotlikoff’s columns have appeared in The NY Times, The Wall Street Journal, The Washington Post, The Hill, The Financial Times, The Times of London, Forbes, CBNC, Bloomberg, PBS NewsHour, The Dallas News, Neue Zürcher Zeitung, the Seattle Times, Vox, Fortune, Seeking Alpha, Yahoo.com, VoxEU, Huffington Post, and other leading media. Kotlikoff has served as a consultant to the Federal Reserve, the International Monetary Fund, the World Bank, the Harvard Institute for International Development, the Organization for Economic Cooperation and Development, the Swedish Ministry of Finance, the Norwegian Ministry of Finance, the Bank of Italy, the Bank of Japan, the Bank of England, the Government of Russia, the Government of Ukraine, the Government of Bolivia, the Government of Bulgaria, the Treasury of New Zealand, the Office of Management and Budget, the U.S. Department of Education, the U.S. Department of Labor, the Joint Committee on Taxation, The Commonwealth of Massachusetts,
So, the noise is dying down on New Year's resolutions. That's good because studies show most New Year's resolutions fail. But you still have the balance of your new year still ahead of you. How can you make it a great one? There are better approaches than New Year's resolutions. Listen in on conversations with our expert guests for practical ideas you can use to build new habits, better align how you spend your time with your core values, exercise more, eat right, track your progress against your goals, be happier, have more fun - and be more kind to others. Scroll down to the links to the full podcast conversations on the ones that resonate most with you. __________________________ Free Learning Event - Exclusively for Listeners of The Retirement Wisdom Podcast Retirement Wisdom is partnering with One Day University to bring you a FREE live-streamed talk with renowned Amherst Professor Catherine Sanderson, who will present a live-streamed, one-hour version of her most popular course, Positive Psychology: The Science of Happiness, including time to ask her questions, in real-time.  January 18th, at 7 pm Eastern To RSVP for this free class, just visit: www.onedayu.com/retirementwisdom If you can’t tune in live, everyone who RSVPs will receive a link to watch the class anytime they want. __________________________ Build New Habits: Tiny Habits Can Lead to Big Changes – BJ Fogg Live Your Values: How to Live a Values Based Life – Harry Kraemer Get Your Exercise in Different Ways: The Joy of Movement – Kelly McGonigal Eat Right: Take Charge of Your Well-Being – John La Puma, MD Track Your Goals: Smarter Tomorrow – Elizabeth Ricker Be Happier: Retire Happy – Dr. Catherine Sanderson Have More Fun: The Power of Fun – Catherine Price Be Kind: The Mind-Body Connection and The Rabbit Effect – Kelli Harding _________________________ Forget New Year's resolutions. What if you build new habits - the right way - this year? Join our group program on Building Habits. Starts on January 21st. Learn more and enroll here ___________________________ Stay tuned for Season 5 starting next week. In the meantime, you can browse all 4 seasons here ___________________________ About Retirement Wisdom Retirement's about a lot more than money. You have to decide how to invest your time. As a coach, I help people design their new life after they graduate from the world of full-time work. Schedule a free call to discuss how I can help you.
We had the pleasure of talking with many interesting people on our retirement podcast this year. Here are the episodes of our that generated the most positive feedback from listeners: Why Retirement is About Much More Than Money – Ted Kaufman & Bruce Hiland The Future You – Brian David Johnson When Will You Flip the Switch? – Dr. Barbara O’Neill A Tapas Life – Andy Robin Believe In Yourself & Try Something New – Carol Cooke The Retirement Roundtable You can browse all 4 seasons of our podcast here ___________________________ Upcoming Events: One Day University www.onedayu.com/retirementwisdom Exclusively for listeners of The Retirement Wisdom Podcast, Professor Catherine Sanderson of Amherst College will present a live-streamed, one-hour version of her most popular course, Positive Psychology: The Science of Happiness, including time to ask her questions, in real-time. This course will take place on January 18th, at 7 pm Eastern If you can’t tune in live, everyone who RSVPs will receive a link to watch the class anytime they want. To RSVP for this free class, just visit: www.onedayu.com/retirementwisdom ____________________________ Explore retirementwisdom.com
If you're an astronaut, what can you do for an encore? Nicole Stott, author of Back to Earth: What Life In Space Taught Me About Our Home Planet – And Our Mission To Protect It, found her new mission. And it's instructive for all Earthlings, not just astronauts. If you're contemplating a second act or an encore career, the story of how she's redirected her skills and talents will inspire you. And it may change how you think about how each of us can make a difference in the lives of others. We discuss: The story of how she became an astronaut What 104 days in space taught her about our planet What it was like to create a painting in space - and how it led to what she's doing today Her decision to retire from NASA - and her thought process When she first knew that she had found her next mission The work she's doing with The Space for Art Foundation What needs to be done to address climate change People who inspire her What we can all do as individuals to make a difference The key message of her book Back to Earth Nicole Stott joins us from Florida. _________________________ Take Charge of Your Future. Learn More about the Designing Your New Life in Retirement program here Starts January 20th  ____________________ Bio Nicole is an astronaut, aquanaut, artist, and mom - and now author of her first book Back to Earth: What Life In Space Taught Me About Our Home Planet – And Our Mission To Protect It. She creatively combines the awe and wonder of her spaceflight experience with her artwork to inspire everyone’s appreciation of our role as crew mates here on Spaceship Earth. Nicole is a veteran NASA Astronaut with two spaceflights and 104 days living and working in space as a crew member on both the International Space Station and the Space Shuttle. Personal highlights of her time in space were performing a spacewalk (10th woman to do so), flying the robotic arm to capture the first HTV, working with her international crew in support of the multi-disciplinary science onboard the orbiting laboratory, painting a watercolor (now on display at the Smithsonian Air and Space Museum), and of course the life-changing view of our home planet out the window. Nicole is also a NASA Aquanaut. In preparation for spaceflight, she was a crew member on an 18-day saturation dive mission at the Aquarius undersea laboratory. Nicole believes that the international model of peaceful and successful cooperation we have experienced in the extreme environments of space and sea holds the key to the same kind of peaceful and successful cooperation for all of humanity here on Earth. On her post-NASA mission, she is a co-founder of the Space for Art Foundation — uniting a planetary community of children through the awe and wonder of space exploration and the healing power of art. ____________________ For More on Nicole Stott Back to Earth: What Life in Space Taught Me About Our Home Planet―And Our Mission to Protect It Space for Art Foundation _________________________ Wise Quotes On Her Decision to Retire "Well, it was difficult. I think in my heart I knew I was ready to move on and do something different. I was really feeling more and more attracted to sharing the experience and communicating that to as many people as I could and finding my way to do that. And I knew that I really wouldn't be able to do that while still with NASA. But it was difficult for so many reasons. Number 1, I was in line to fly in space again. I probably would have flown in space again had I not retired. And to take yourself out of that is a difficult thing to do. But I asked myself honestly: Okay, do I need to fly in space again? And the answer was...No. Ask me when I'm 95, I will want to fly in space again, but it wasn't a need for me. I knew I could still keep in touch with the program and the people there and continue to have some influence as an advisor or working through different companies. And then,
___________________________ Learn More about the Designing Your New Life in Retirement program here Starts January 20th  __________________________ What will your encore career be? Today we’re comparing notes with a fellow podcaster on what he’s learned about retirement after interviewing over 40 guests who are reinventing retirement. Our guest is Carl Landau, whose encore is podcasting. Carl has 30+ years of experience as a niche magazine publisher, entrepreneur, event organizer, and in his current encore career, he’s launched a new venture, Pickleball Media. We discuss: Carl's career story What his transition to retirement has been like, so far What's surprised him the most about this chapter of his life What he's learned so far The key ingredients of a rewarding successful second act The misconceptions he thinks people have about this phase of life How this phase of life can be meaningful - and fun Carl Landau of Pickleball Media joins us from Sacramento, California. _________________________ Wise Quotes On Retiring Earlier - If You Can "I give this advice all the time, retire earlier - if you've been doing the same thing for a long time. If you can afford it, stop, sell it or quit, or whatever. I wish I had done that four or five years earlier. So, you don't know that until you've stopped doing it. And the other thing that really surprised me is [the value] of starting something new." On Reinventing Yourself "I think younger people are really looking at this unretirement movement and what they're going to do next way more seriously than we did. And I think it's great. I really do. I think if you are 50 years old, you should really be considering what you think you want to do next. And maybe you could phase part of it in. Why not start incorporating some of this stuff when you're younger?  I think your life would be a lot more fulfilling, rather than just throwing everything you have at this massive job. I think people are less and less interested in that these days. And people who are already in retirement, I hope that you really are open-minded about trying new things... Figure out if this is something you really like and put your efforts into it." _________________________ Podcast Episodes You May Like Stupid Things I’ll Never Do When I Get Old – Steven Petrow Is It Time for Your Encore Career? – Ruth Wooden A Second Act after The Law – Mark Shaiken How’s Your Personal Brand? – Wendy Marx How to Future Proof Your Career – Jeff Gothelf How to Live Your Legacy Now – Barbara Shaiman ___________________________ About Retirement Wisdom You haven’t worked this hard for so long to have a mediocre post-career life. It’s your time. Make it your best time. Work one-on-one with our Certified Designing Your Life Coach to explore alternative visions of your future and develop the pathway that’s right for you. Find out more here - early bird pricing ends 12/31. Take the first step toward your next life. Schedule a free call to discuss our programs and what’s right for you.
Learn More about the Designing Your Life Program here Is it time to get creative? Consistent involvement in the arts offers multiple benefits, including for your health and well-being. Our guest, Teresa Bonner, Executive Director of Aroha Philanthropies, explains how creative pursuits in retirement can enrich your life. We discuss: Her mission in her encore career Gene Cohen’s work at George Washington University on aging and creativity The range of artistic endeavors she sees people engaging with in mid-to-later life The challenges people face when they leave the workplace and how involvement with the arts is useful The benefits of intergenerational arts programs How getting involved with the arts can help caregivers Her advice for someone who doesn't think they're a creative person The benefit of being a novice in an artistic activity How to get started with a creative activity _________________________ Bio Teresa Bonner is a frequent speaker on philanthropy, most recently to California and Minnesota affiliates of the Family Firm Institute, estate planning councils and planned giving councils. For Aroha Philanthropies, Teresa leads the foundation and directs efforts to seed, develop, expand and advocate for creative aging programs across the country. She has created cohorts of arts organizations and senior-serving organizations that have developed creative aging programs and managed the evaluation of these programs nationally. Teresa has spoken about creative aging at conferences of Grantmakers in the Arts, Grantmakers in Aging, the American Society on Aging, the Gerontological Society of America, the National Assembly of State Arts Agencies, the National Guild for Community Arts Education and other organizations. Prior to joining Family Philanthropy Advisors in 2008, Teresa was Senior Vice President and head of Business Development and Charitable Services for U.S. Bank’s Private Client Group, where she oversaw new business development and services offered to high-net-worth clients, including private foundation services, grantmaking, endowment management and charitable services. In addition to her foundation management roles, Teresa has served as Executive Director of Milkweed Editions, an acclaimed nonprofit literary publisher, and as Executive Director of the Library Foundation of Hennepin County, where she directed planning and implementation of marketing, fundraising, promotional, programming, public relations, grant administration and volunteer functions for one of the country’s largest library systems.  Prior to her work in the nonprofit and philanthropic sector, Teresa was a partner in the Minneapolis law firm of Lindquist and Vennum. Between 2001 and 2007, Teresa chaired the board of directors of MacPhail Center for Music, one of the country’s largest community music schools, where she led the transformation of that organization’s governance, successfully completed a major capital campaign for the creation of a new flagship facility, and chaired the Center’s grand opening celebrations.  She has served on several other nonprofit boards and has been a frequent panelist for the National Endowment for the Arts.  Teresa won the “Woman Changemaker” award from the Minneapolis St. Paul Business Journal in 2004. ______________________ For More on Teresa Bonner Aroha Philanthropies ______________________ Wise Quotes  On Creativity & Aging "Gene Cohen was such a proponent of the concept that as we get older our capacity for creativity increases. It doesn't decrease as so many of us were taught when we were younger. And so what he did working with The National Endowment for the Arts, [was] a major study on what happened to older adults who participated in some professionally run arts learning programs. And what he found was that there were a whole array of benefits - mental, emotional, and physical - that came from this kind of activity.
With the challenges of everyday life, it's easy to lose sight of the value of fun. Science journalist Catherine Price joins us to discuss her new book The Power of Fun and why fun and play are important parts of a fulfilling life. Listen in to how you can have more fun in retirement and the benefits you may not expect. We discuss: The backstory that inspired her to write her new book The Power of Fun What gets in the way of fun for adults The three main components of fun (you'll want to know to have fun in retirement) How fun is good for you - including ways that may surprise you How you can tell the difference between True Fun and Fake Fun How she's brought more Play into her life How to have a healthier Screen-Life Balance How to find new interests, passions, and hobbies The value of trying new things Preventing perfectionism from getting in the way of trying something new things The main messages she wants people to take away from The Power of Fun Catherine Price joins us from Philadelphia. _________________________ Bio Hailed in The New York Times as "the Marie Kondo of brains," Catherine Price is an award-winning science journalist, speaker, and author of How to Break Up With Your Phone: The 30-Day Plan to Take Back Your Life (Ten Speed Press), among other books. Her newest book, The Power of Fun: How to Feel Alive Again (Dial Press) will be released in December 2021. As a speaker, consultant and workshop leader, Catherine helps individuals and organizations create healthier personal and professional relationships with their phones (and other devices), and establish best practices to encourage creativity, productivity and mental health. In other words, she helps people scroll less, live more, and have fun. How to Break Up With Your Phone has been published in 30 countries and featured in scores of high-profile media outlets around the world, including NPR, The New York Times, The New York Times Magazine, The Los Angeles Times, Time Magazine, Wired, Vox, Refinery29, BBC World News Service, and many others. A New York Times article about Catherine and her 30-day program titled " Do Not Disturb: How I Ditched My Phone and Unbroke My Brain,” went viral, receiving more than 2 million hits in less than a week. Catherine is also the creator and founder of Screen/Life Balance, which is dedicated to helping people learn how to scroll less and live more. Screen/Life Balance is part of Catherine’s continued mission to create evidence-backed resources to help people around the world design lives in which they control their technology, rather than the other way around—with the ultimate goal of increasing happiness, productivity, creativity, health and wellbeing. Catherine speaks, consults, and leads workshops on how individuals and corporations can set better boundaries with — and best practices for — their devices in order to maximize creativity and productivity, improve mental health and brain function, reduce burnout, spend more time doing the things that actually matter to them...and have more fun! Her engagements can be customized based on audience size and area of interest, but they are always compelling and actionable, chock-full of what Catherine calls "science-backed self-help." _________________________ For More on Catherine Price Pre-order The Power of Fun: How to Feel Alive Again (December 21, 2021) The Power of Fun Website with a free quiz and resources How to Break Up with Your Phone: The 30-Day Plan to Take Back Your Life Vitamania: How Vitamins Revolutionized the Way We Think About Food ___________________________ Wise Quotes On What Gets in the Way of Fun "We just at some point start to believe that fun is childish and it's something kids do, but it's not really that important to adults. It shouldn't be at the priority on the top of our priority list because we think it's frivolous, so it ends up at the bottom.
What unique challenges do women face in retirement planning? We talk with Russ Thornton, an experienced retirement advisor who specializes in helping women prepare for retirement. And we cover several topics of interest to anyone who's planning for retirement. We discuss: The story behind why he specializes in retirement planning for women What he sees as the unique challenges women face in planning for retirement What’s different about planning for retirement today versus 10 to 20 years ago The key building blocks of a sound retirement plan What many people don’t know about retirement planning - but should The mistakes he sees people make in planning for retirement that can be avoided How his clients navigate the challenges that come with the transition to retirement How couples can get on the same page about retirement His approach at Wealthcare for Women The upside of life in retirement he sees his clients living today Russ joins us from Atlanta. _________________________ Bio Russ Thornton has been a retirement advisor for over 25 years and specializes in helping women retire confidently on their own terms to comfortable, fulfilling lives, at his retirement advisory firm Wealthcare for Women. Russ was selected as one of Investopedia's Top 100 Financial Advisors in 2019, 2020, and 2021. Prior to establishing his own firm, Russ was a Financial Advisor with Merrill Lynch. _________________________ For More on Russ Thornton Wealthcare for Women _________________________ Wise Quotes On Not Deferring Living "I like to always emphasize the idea that you can do things now and in retirement. You don't have to wait. And if you wait, you run the risk that you're not here. Tomorrow isn't promised. I'm sure we all have heard about, or maybe know, people that have planned to retire and for one reason or another, they never made it to retirement. Or they retired and in a year or two or three in something happened and they didn't even get to enjoy all the years they'd planned on. So, I think you need to think about how you can start enjoying your life today while still preparing for a comfortable and confident retirement ahead." On Planning for How You'll Invest Your Time "Clearly retirement planning revolves around making sure that you've got the financial pieces in place to support your life, no matter how long you live. But, I think it's worthwhile to also spend time thinking about how are we going to spend our time? And who are you going to spend your time with? What are you going to stop doing once you retired? Maybe that gives you the opportunity to eliminate some things in your life that by necessity that you're dealing with now related to work or other commitments." On Shifting from Saving to Spending "I find that it's often very difficult for people to make that mental shift from saving and accumulating to starting to spend, and as a result, I find a lot of people underspend - especially in the first few years of retirement.  When in reality, if they're going to overspend, maybe they should actually overspend a little bit more early in retirement when they're younger, more mobile, want to travel, and want to do more things." __________________________ Podcast Episodes You May Be Interested In Retire Happy – Dr. Catherine Sanderson Why Retirement is About Much More Than Money – Ted Kaufman & Bruce Hiland Advice for Successful Career Women Transitioning to Retirement – Helen Dennis Ways to Retire on Less – Harriet Edleson The Future You – Brian David Johnson Who Will Take Care of You When You Are Older? – Joy Loverde The Key Decisions for Retirement Success – Wade Pfau _____________________________ About Retirement Wisdom Retirement is about much more than money. You haven’t worked this hard for so long to have a mediocre post-career life. It’s your time. Make it your best time. Take the first step toward your new life.
Giving thanks is probably on your mind this week if you're here in the US. And there's a lot to be grateful for. There's science behind gratitude and how it can enhance your health and well-being. Dr. Glenn Fox from the University of Southern California joins us to chat about the research on gratitude and how to apply it in your daily life. We also touch base on how gratitude plays a role in high performance and what he's learned from his work with entrepreneurs and Navy SEALS. We discuss: The Science of Gratitude How gratitude is defined The benefits of gratitude What gets in the way of gratitude Why gratitude is a positive emotion and also a skill The practices he uses in his daily life to apply the research on gratitude How to start a gratitude practice Entrepreneurship How gratitude plays a role in high-performance among entrepreneurs What to consider before becoming an entrepreneur   And...what he learned from being in Back to the Future 3 way back in the day Glenn joins us from California. ________________________________ Bio Dr. Glenn Fox is a faculty member at the University of Southern California's Lloyd Greif Center for Entrepreneurial Studies, in the Marshall School of Business. His current projects focus on neural systems for emotion regulation, high stakes training, and developing entrepreneurial mindset skills in founders and business leaders. Glenn received his Ph.D. in Neuroscience from USC, where he focused on the neural correlates of gratitude, empathy, and neuroplasticity. Following graduate school, he started a company, Ph.D. Insight L.L.C., which focused on providing data science consulting for small businesses and early-stage startups. Prior to joining Marshall as a faculty member, Glenn led the Performance Science Institute at USC where he worked with the United States Marine Corps, Army Research Laboratories, Seattle Seahawks, and numerous Olympic athletes and Fortune 500 companies to examine the role of mindset in business and high stakes pursuits. Currently, Glenn is the Director and Founder of the USC Found Well Initiative which aims to understand and promote entrepreneurial mindset in founders and business leaders. He also serves as a Principal Investigator at the USC Sensorimotor Assessment and Rehabilitation Training in Virtual Reality Center (SMART-VR) and a fellow of the Brain and Creativity Institute. Outside of USC, Glenn serves as the Chief Science Officer of the C4 Foundation, which serves to strengthen and protect Navy SEAL families. Glenn is also currently on the advisory board of the Flow Research Collective, where he works with Steven Kotler on projects related to gratitude, flow, and high performance. He consults regularly with companies and media outlets on topics ranging from small business management, gratitude, and high performance. Glenn is an avid maker and restorer of things old and metal. He lives in LA with his wife and son. __________________________ For More on Dr. Glenn Fox What Can the Brain Reveal About Gratitude? Practicing Gratitude Can Have Profound Health Benefits The C4 Foundation Follow on Twitter @glennrfox ________________________ Wise Quotes On Gratitude "Gratitude is a word we hear thrown around a lot, and I think that's a good thing. And we only begin to understand gratitude more. The more we begin to look for it. And as you start to look and observe gratitude, you realize that it's so much more than what people talk about. We hear the word gratitude, and we think about it as a synonym for happiness, a lot of the time, but this limits what I think gratitude really is - and what it really can do for people. It's more than happiness. It's more than just getting something nice. It is a framework. It's part of our moral compass for how we keep track of our relationships to others. It's part of our deepest motivational circuits." On Paying Attention
Next week, Retirement Wisdom is partnering with One Day University to bring you a FREE live-streamed talk with renowned Amherst Professor Catherine Sanderson. Exclusively for listeners of The Retirement Wisdom Podcast If you listen to our podcast, you may have heard me mention One Day University. One Day University brings over 200+ top-rated professors together online to present incredible, live-streamed talks based on their most popular courses. You can learn something new every day, about history, art, psychology, and much more. It’s like going back to college, but no homework or tests - just the joy of learning from top experts. Professor Sanderson will present a live-streamed, one-hour version of her most popular course, Positive Psychology: The Science of Happiness, including time to ask her questions, in real-time. This course will take place on January 18th, at 7 pm Eastern If you can’t tune in live, everyone who RSVPs will receive a link to watch the class anytime they want. To RSVP today for this free class, just visit: www.onedayu.com/retirementwisdom __________________________ If you're planning for retirement, you're focusing on covering all your bases. But how about your happiness? When you're able to retire, will you be prepared to retire happy? Professor Catherine Sanderson joins us for a conversation about research from the field of positive psychology on happiness, and her practical recommendations on how to enhance your well-being. We discuss: How she become interested in positive psychology and in the study of happiness How our Mindsets influence us What predicts happiness If Eyerores can become Tiggers If money buys happiness Why linking happiness to external events isn't wise How we think about aging influences how we actually age How she applies the research on optimism and happiness in her daily life What gets in the way of happiness that we should avoid Practical tips to enhance your happiness Dr. Sanderson joins us from Amherst, Massachusetts. _________________________ Bio Catherine A. Sanderson is the Poler Family Professor and chair of psychology at Amherst College. She received a bachelor's degree in psychology, with a specialization in Health and Development, from Stanford University, and received both masters and doctoral degrees in psychology from Princeton University.  Her research has received grant funding from the National Science Foundation and the National Institute of Health. Professor Sanderson has published over 25 journal articles and book chapters in addition to four college textbooks, middle school and high school health textbooks, as well as the Introduction to Psychology course for The Great Courses. In 2012, she was named one of the country's top 300 professors by the Princeton Review. Professor Sanderson has written trade books on parenting as well as how mindset influences happiness, health, and even how long we live (The Positive Shift). Her latest trade book, published in North America as Why We Act: Turning Bystanders Into Moral Rebels (Harvard University Press) and internationally as The Bystander Effect: The Psychology of Courage and Inaction (HarperCollins), examines why good people so often stay silent or do nothing in the face of wrongdoing. For a preview of the topics addressed in this book, watch Catherine’s TEDx talk on the Psychology of Inaction, which describes the factors that contribute to inaction and provides strategies we all can use to help people act, even when those around them are not. Professor Sanderson speaks regularly for public and corporate audiences on topics such as the science of happiness, the power of emotional intelligence, the art of aging well, and the psychology of courage and inaction. These talks have been featured in numerous mainstream media outlets, including The Washington Post, The Boston Globe, USA Today, The Atlantic, CNN,
There are many decisions to make in planning for retirement and a big one is where to live. Are you interested in a retirement community or plan to age in place? Will you move to be closer to family members or downsize to a place with the "livability" factors you want? What will be the right place for you? Ryan Frederick, the author of the new book Right Place, Right Time joins us to share his insights. We discuss: Why he chose to live in a retirement community in his 20s - and what he learned from that Why Place is so important How the pandemic is changing how people think about where we choose to live A case study from his book and the lesson it highlights The key factors (like livability) that make a place the right place for someone The pros and cons to be aware of if you plan to age in place How Design Thinking can help people choose the right place to live next His advice for couples His personal experience in moving his family to Austin. The key trends shaping where - and how -  we’ll be living in the future Ryan joins us from Austin. ___________________________ Bio Ryan Frederick is the Founder & CEO of SmartLiving 360 and the author of the new book Right Place, Right Time: The Ultimate Guide to Choosing a Home for the Second Half of Life. Ryan is focused on the intersection of healthy aging and the role of place, including housing. SmartLiving 360 helps institutions and individuals thrive in the Age of Longevity by providing consulting services, real estate development services, and consumer content. Ryan is recognized as a national thought leader and innovator in the real estate development and healthcare services industries and is a keynote speaker, instructor, author, and blogger. His work and insights have been cited in Forbes, The Washington Post, and Environments for Aging, among other outlets. His real estate development in Rockville, MD, The Stories at Congressional Plaza, is an age-friendly apartment community that has attracted national attention. Mr. Frederick is a member of the National Advisory Board for the School of Nursing at Johns Hopkins University, a member of the AgingWell Hub, a collaborative of leading innovative providers in the field of aging led by Phillips, and has been appointed to the Advisory Council of the Bipartisan Policy Center Health and Housing Task Force. He is a 2018-2019 Encore Public Voices Fellow. Mr. Frederick is a graduate of Princeton University and the Stanford Graduate School of Business. ______________________________ For More on Ryan Frederick Right Place, Right Time: The Ultimate Guide to Choosing a Home for the Second Half of Life Blog  The University of Michigan Study on Purpose and Longevity mentioned on the podcast __________________________ Wise Quotes On the Importance of the Right Place "It makes it easier to be socially connected, be physically active, be financially secure for a longer life. And then it has a direct effect because in some cases you may be in a physical place that you might be emotionally connected to or not. Or you might have some physical limitations and you may find a place that may not be appropriate for you. So I think it's so important that Place should be on the same level as eating well, exercising, and financially planning for longevity. It's right up there as we think about planning for a longer life. And it starts with a vision of what you want your life to look like. And then how does Place help enable that to happen?" On Happiness and Longevity "When you look at the research of a longer life, and we don't hear this much in the media, but there's something called the U-shaped Happiness Curve based on people's self-reporting of their well-being and happiness. You're at a certain level in your 20s, then you kind of go down for a stretch. And then your late 40s, early 5os is the nadir in the US. I like to think it's correlated to having teenagers in the house...
When you're learning something new, it's helpful to understand both theory and practice. Planning for retirement is no exception. What can we learn about life in retirement from those who planned well for retirement (and wrote excellent books about it) - and are now living it? In this new installment of a series of panel discussions with our most popular previous guests, we're joined by Fritz Gilbert, Dr. Barbara O'Neill, and Mark Shaiken (you'll find their bios below). We discuss: Their lessons learned about life in retirement so far How they're investing their time now versus their full-time working years What do they know now that they wished they did then What they learned about themselves by writing a book about retirement The ingredients for a Good Life today Their advice for pre-retirees who are planning for retirement now Dr. Barbara O'Neill joins us from Florida, Fritz Gilbert from Georgia, and Mark Shaiken from Colorado. __________________________ Bios Fritz Gilbert is the author of The Keys to a Successful Retirement. He retired after more than three decades in corporate America, where he progressed through the various levels of a multinational corporation serving the global aluminum industry. His award-winning blog “The Retirement Manifesto” is focused on people achieving a great retirement. Fritz and his wife, Jackie, live in a cabin in Blue Ridge, Georgia, an Appalachian Mountain town where they’re active in their local church and various local charities, including Jackie’s charity Freedom for Fido (FreedomForFido.com). When he’s not writing, Fritz enjoys spending his time outdoors and is an avid fly fisherman, mountain biker, hiker, camper, photographer, and fitness fanatic. He also cherishes his daily walks in the woods with their four dogs, who run the household. Fritz and Jackie also travel cross country in their RV to visit their daughter and her family in the Pacific Northwest. Previous Visits: The Keys To A Successful Retirement - Fritz Gilbert The Soft Side of Retirement – Fritz Gilbert, The Retirement Manifesto Website  ---  Barbara O’Neill, Ph.D, CFP®, CRPC®, AFC, CHC, CFEd, CFCS, CPFFE, is the author of Flipping the Switch: Your Guide to Happiness and Financial Security in Later Life. As the owner/CEO of Money Talk: Financial Planning Seminars and Publications, Dr. Barbara O’Neill, CFP®, AFC®, CRPC®, writes, speaks, and reviews content about personal finance. A Distinguished Professor Emeritus at Rutgers University, after 41 years of service as a Rutgers Cooperative Extension educator and personal finance specialist, Dr. O’Neill has written over 160 articles for academic publications and received more than 35 national awards and over $1.2 million in grants to support her financial education programs and research. Employed by Rutgers since 1978, she provided national leadership for the Cooperative Extension programs Investing For Your Future and Small Steps to Health and Wealth™ for over a decade. Part of her work time is bought out to provide personal finance training for military family service professionals (for the eXtension Military Families Learning Network) and for New Jersey financial educators as part of a state Department of Education contract. She is also the author of two trade books, Saving On a Shoestring and Investing On A Shoestring, and co-author of Money Talk: A Financial Guide for Women. She is a certified financial planner (CFP®), chartered retirement planning counselor (CRPC®), accredited financial counselor (AFC), certified housing counselor (CHC), and certified financial educator (CFEd). She also holds the CFCS (certified in family and consumer sciences) and CPFEE (certified personal and family finance educator) credentials from the American Association of Family & Consumer Sciences (AAFCS). Dr. O’Neill received her Ph.D. in family financial management from Virginia Tech,
Is it time to make the healthy lifestyle changes that perhaps you've been putting off? Our guest is Glen Robison, author of  Healthy Dad, Sick Dad. The book's subtitle says it all: What Good Is Your Wealth If You Don't Have Your Health? We discuss: The story behind his two Dads - and what lessons he took from them How your lifestyle choices affect your health The most important lifestyle factors to zero in on The biggest changes he's made personally Yin and Yang foods - and how to achieve the optional balance His go-to recommend resources He joins us from Arizona. _________________________ Bio In Healthy Dad, Sick Dad, Dr. Glen N. Robison shares his personal journey with two very similar fathers who ended up in drastically different retirements. Determined to understand why, Dr. Robison studied his healthy father’s lifestyle and emulated it for fifteen years, with dramatic improvements to his own health. Now, he shares the secrets of living toward a long, healthy life. Dr. Glen N. Robison is Diplomate of the American Board of Multiple Specialties in Podiatry Board Certified in Primary Care in Podiatric Medicine. Dr. Robison is a Jin Shin Jyutsu practitioner and certified Myopractor, trained in releasing deep restrictions of motion in the body that resides at the root of our symptoms and ailments. Having applied the principles found in this book for over fifteen years, he has expanded his practice to include dietary approaches that address everything from fungal infections to diabetes. _____________________________ Wise Quotes On Adopting a Healthy Diet "I think part of the challenge here, at least it appears to me, is that medicine today is about how a pill makes a quick fix. Work takes a little bit of a long time, but perhaps is more sustaining over a course of a lifetime. Right out of my residency, I was in my first year in practice, and I was on the go, go, go. I was trying to pay off the student loans. I was starting a family. I was trying to pay down the debt. And so I was running on willpower. I was running on adrenaline. And so I gravitated to the social things of life, the quick energy, high-sugary food type things. And over a course of time, it really started to take a toll on me. And so when I couldn't get out of bed and because of my back was hurting so bad and I realized, man, being young in practice, I didn't have any health insurance. Nothing. I was like, what am I doing? And so surgery wasn't an answer for me. I didn't want to get cut on. I know my sick dad had back surgery. I didn't want to follow down his road. So I was directed to my healthy dad. And I remember when he worked on me and he made a comment: Man, you're like a dang bag of potatoes. You're so stiff. In order to really fully get you to where you need to be, you're going to have to change what you eat. And that didn't make sense to me. I said I'm just here for my back. I just need to get my back fixed. But it took a couple of years of him talking to me and telling me that you really have to change what you eat." On Emotions & Health "I've learned how to engage my emotions to hold me in check, meaning that anger, grief, frustration, resentment, all these things, have a direct effect on our health. Grief and worry are directly related to diabetes. And so I could tell you a story right there that I've experienced, I had with worry and grief, that can elevate your blood sugars. And so I've been more attuned to the emotions and have learned to just be more trusting, be more forgiving, be more loving, and not take in these harsh, emotional elements that I've incorporated into my life." ___________________________ For More on Dr. Glen Robison Healthy Dad Sick Dad: What Good Is Your Wealth If You Don't Have Your Health? Learn more at www.liveitlifestyles.com ____________________________ Podcast Episodes You May Be Interested In Take Charge of Your Well-Being – John La Puma, MD
You'll face a myriad of decisions in planning for retirement. Wade Pfau has written a comprehensive guide to help you prepare well, financially and otherwise. He joins us to discuss how to fortify your retirement planning and decision-making. We discuss: How he became interested in studying retirement and retirement planning The key risks to manage in planning for retirement Why the traditional concept of retirement is increasingly unaffordable - and what to do instead His views on the 4% rule The roles that annuities and reverse mortgages can play in retirement planning The pros and cons of working longer What to consider in deciding where to live in retirement The non-financial aspects of transitioning to retirement - and special challenges for introverts How to assess your preparedness for retirement Wade joins us from Dallas. ______________________ Bio  Wade D. Pfau, PhD, is Professor of Retirement Income in the Ph.D. in Financial and Retirement Planning program, Co-Director of the New York Life Center for Retirement Income, and RICP® program director at The American College of Financial Services. Pfau is a co-editor of the Journal of Personal Finance. He has spoken at national conferences of organizations for financial professionals such as the CFA Institute, FPA, NAPFA, AICPA-PFP, and AFS. He also publishes frequently in a wide variety of academic and practitioner research journals. He hosts the Retirement Researcher blog, and is a monthly columnist for Advisor Perspectives, a RetireMentor for MarketWatch, a contributor to Forbes, and an Expert Panelist for The Wall Street Journal. His research has been discussed in outlets that include print editions of The Economist, The New York Times, The Wall Street Journal, and Money Magazine. Pfau was a selectee for the InvestmentNews “Power 20” in 2013 and “40 Under 40” in 2014, the Investment Advisor 35 list for 2015, the IA 25 list for 2014, and Financial Planning magazine’s Influencer Awards. He is a two-time winner of the Journal of Financial Planning Montgomery-Warschauer Award, a two-time winner of the Academic Thought Leadership Award from the Retirement Income Industry Association, and a best paper award winner in the retirement category from the Academy of Financial Services. Pfau holds a doctorate in economics and a master’s degree from Princeton University, and bachelor of arts and bachelor of science degrees from the University of Iowa. He is also a Chartered Financial Analyst® (CFA®). _________________________ For More on Wade Pfau Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success Retirement Researcher Website _________________________ One Day University At One Day University, you can watch hundreds of fascinating talks by the most popular professors from 150 top schools. A special offer for listeners of The Retirement Wisdom Podcast: learn more and start your two-week free trial at www.onedayu.com/wisdom Check out the video library to see what interests you. _________________________ Wise Quotes On Risks "Risks fall into a few different categories. Longevity risk is worth mentioning first, and it's a good thing in a way. You don't know how long you're going to live, and you might live a very long time, which is wonderful, but just on the financial side, it's expensive to live a long time. You have to fund your retirement for more and more years. So longevity risks really is the overarching risk, and you've got the different types of market risk and market volatility, interest rates that are changing, and so forth, just market-related risks and inflation could be part of that as well. But even a low inflation rate over a long retirement can really compound over time. And then everything else really falls into the category of spending shocks. Which is you may have a reasonable baseline budget that you anticipate,
Can learning from your parents' mistakes help you age gracefully? In his 50s Steven Petrow began a list of things he was observing that he vowed never to do when he became old. Now in his 60s, he has a different appreciation of his observations. Listen in to a fascinating conversation as Steven shares his humor and insights on making smarter choices to age gracefully. __________________________ Bio Steven Petrow is an award-winning journalist and book author who is best known for his Washington Post and New York Times essays on aging, health, and civility. He’s also an opinion columnist for USA Today,  where he writes about civil discourse and manners. Steven's 2019 TED Talk, “3 Ways to Practice Civility” has been viewed nearly two million times and translated into 16 languages. Steven's new book is Stupid Things I Won’t Do When I Get Old. He is the author of five other books, the most recent of which is Steven Petrow’s Complete Gay & Lesbian Manners. He’s a much sought-after public speaker, and you’re likely to hear him when you stream NPR or one of your favorite  —  or least favorite  —  TV networks. Steven also served as the host and executive producer of "The Civilist," a podcast from Public Radio International and North Carolina Public Radio WUNC. __________________________ For More on Steven Petrow The Book: Stupid Things I Won't Do When I Get Old: A Highly Judgmental, Unapologetically Honest Accounting of All the Things Our Elders Are Doing Wrong Steven Petrow's Website How To Age Gracefully  (The article mentioned by Jane Brody in The New York Times) __________________________ One Day University At One Day University, you can watch hundreds of fascinating talks by the most popular professors from 150 top schools. A special offer for listeners of The Retirement Wisdom Podcast: learn more and start your two-week free trial at www.onedayu.com/wisdom Check out the video library to see what interests you. __________________________ Wise Quotes On Being a Perrenial "There are many ideas that were good for a long time - and then they're not anymore. And then of course there are new ideas that come into vogue - and one of the new ideas that I talk about is this notion of being a perennial. So we're very divided by our generation. We have the Greatest Generation. We have the Boomers, Millennials, Gen X, Y, and Z. And in a way, those are divisions that keep us apart. And so I like this notion of being a perennial. Anybody can be a perennial, whether you're 25, 64 like we are, or 85. It's an attitude. And it's an attitude of being involved and curious and often having friends of different generations. So this is like a new behavior that we can start to adopt. That is very gratifying. I've had the experience several times, especially with multi-generational friends, but also I'm having younger folks really kind of keep me in the swim of what's happening in life. And I think that's important to all of us." On Adapting "The thing I saw most, especially I'll say with my Dad - and I think this is somewhat of a male condition. He was very independent, very stubborn. He always liked to do things his way, and he really did not want assistance in general. And he did not want his three kids to be providing any kind of help - I'll say it in air quotes. And we were very aware of the sort of family dynamic and the generational dynamic and did not want to be telling our father what to do. Both because we knew that that was futile and that that's really not how we were approaching these problems, especially when he was falling a lot. So we tried to give him tools and he rejected most of them. And then he continued to fall and he died. He died from a series of falls. And what really struck me was his own father had died from a series of falls. And my Dad had been trying to help his Dad not do that. So in a way, I feel like I have a greater awareness of these issues.
How can you get smarter about getting smarter? Our guest Elizabeth Ricker, author of Smarter Tomorrow, introduces us to neurohacks that can cognitive functioning. She explains her concept of scientific self-help and how to improve cognitive functioning through a variety of short exercises and experiments. We discuss: The story of her middle school math teacher How neurohacking and scientific self-help work with how to improve cognitive functioning What she learned from tracking her New Year’s Resolutions since 2011 What we need to know about cognitive functioning that may be different than we expect The New IQ and the New EQ Common Lifestyle Bottlenecks – and how they can be addressed and improve cognitive functioning How Serious Brain Games can improve executive function The MIND diet How having an accountability partner can help The key messages from her book Smarter Tomorrow Elizabeth joins us from San Francisco. ________________________ Bio Elizabeth R. Ricker is the author of the new book, Smarter Tomorrow: How 15 Minutes of Neurohacking a Day Can Help You Work Better, Think Faster, and Get More Done Her work has been featured globally, including in the Wall Street Journal, Fast Company, on SiriusXM radio, and on public broadcast TV in Europe. She has given talks on cognitive enhancement and neurohacking across the US and overseas. She is a sought-after expert by Silicon Valley venture capital firms, technology startups, schools, and the Fortune 500. She runs the citizen neuroscience, DIY, and neurohacking organization, NeuroEducate, and her consulting and speaking work goes through Ricker Labs. Ricker received her undergraduate degree in Brain and Cognitive Sciences from MIT and her graduate degree in Mind, Brain, and Education from Harvard. In college, she worked in the neuroscience lab of Nobel Prize winner Dr. Susumu Tonegawa. Ricker was also a nationally ranked athlete and class president-- the latter of which occasionally involved such serious duties as dressing up in a giant rodent costume to play Tim the Beaver, the MIT mascot. __________________________ Wise Quotes On Neurohacking "I think before you dive into all the things that the media is going to tell you that are falling apart as you get older, I think it's really important to just start with the things that you are probably stronger at than you realize. This is a really important thing with neurohacking - to start with an understanding of where you're strong and then understand what your personal bottlenecks are so that you can personalize everything that you do." On Scientific Self Help "You can take a very scientific approach to your life and the things that seem kind of abstract and maybe not under your control, like life satisfaction or mental performance - these things seem uncontrollable. I think they seem like you're either born with them or fate seems to play a role and you just don't have control over them. And what I want to really introduce to people is that we actually have a lot of data, and we have this tool, which is self-experimentation, that can allow you to actually take control over it. And if it helps at all, when you look back at the number of Nobel prize winners who have won awards in medicine or physiology, a surprising percentage of them actually ran self-experiments in the exact area that they won the Nobel prize in. So you will actually be in pretty good company. This is not some [sci-fi] stuff. This is something that even very various data scientists have done themselves. So, [there's] no reason why you can't ask and approach things just like a Nobel prize winner." On Neurohacking  "...When you start your neurohacking, I think of there being a pyramid. So before you get into the really fancy neurohacks, like later on in the book, I talk about neurostimulation, neurofeedback, these sort of lab-grade technologies that are now - due to the decrease in consume...
Your "retirement" could be longer than your career. What if you reject the traditional version of retirement that your neighbors and your colleagues have in mind? What if instead, you design a new life around what matters most to you and yours? And what if you bring the same qualities that made you successful to your new post-career chapters? Today's guests, Milledge and Patti Hart are the authors of The Resolutionist: Welcome To The Anti-Retirement Movement. The Harts are living their new life on their own terms, based on twelve Resolutions they developed that define a pathway to make this phase of life the best of their life. And you can apply ideas from their framework to do the same - and measure your progress - as you define it - along the way. Milledge and Patti Hart join us from California. __________________________ Wise Quotes On The Anti-Retirement Movement "This generation of people actually really relates to the word anti. We were anti-war, we're anti-aging or anti-racism. Whatever the word is, it doesn't mean that you're against it. It really means that you're trying to redefine it. And I think that's really why we chose the word anti-retirement to say: How do we get society to shift its thinking about retirement and put it in a new place? If you think about the work we've done with the Stanford Longevity center, we have added 30 years to our lifespan in the last century and that's all in retirement. And so how do we take an anti-retirement approach and say: We're not going to approach this in the same way that historically the world has approached retirement? And if you're anti-something, you're definitely pro-something else." On Prioritizing Yourself "It's important to me because it's something I'd never done before because you're at such a different place in life, where you are more in control of things. Things aren't being set up for you and done for you. I'm making certain that I now [have] no guilt around moving myself up the priority list. It's important for a lot of reasons. I think at this stage of life mental health, self-confidence, and physical health [are] obvious things that matter when you get to this stage of life. But for me, it was the guilt. I had to really deal with the guilt of saying it's okay for me today to spend today on me." On Metrics for Your New Life "We all have lived with scorecards, probably since you were five years old, right? You brought home your first report card from school - and then you find yourself at whatever age you retire. And now there's no scorecard. There's no year-end bonus. There is no raise. There's no promotion. There's no whatever your scorecard was, whatever units it was in. And so it is important to your self-confidence that you actually see yourself making progress, that you see yourself as relevant, that you see yourself as important, and that you see yourself as still accomplishing. But for each person, it's very different. One of the things Milledge and I talk about in our book is really pushing people to try to measure the unmeasurable because the things we have been measuring - wealth and bonuses and money and units of whatever you [tracked ] - are gone. Now, what's your weight? And how many miles did you run today? Those are easy to measure, but we really pushed ourselves to say: How do we measure the unmeasurable? And we did that by saying, What is our desired state? What's the desired outcome? Is it a level of happiness, a level of connectedness, a level of relevancy? What's the end state that you're trying to accomplish? And what moves you towards that and start measuring deeper in the funnel?... We all need to have a measurement system in life, but it does need to be developed around what is important to you." ____________________ Bios Patti Hart Patti Hart spent her early life in a small town in Illinois cheering for her Chicago Cubs, going to public schools and sharing chores with her many siblings.
The pandemic has been a catalyst for reflection on what matters most and what constitutes a good life today. For many, it's sparked a realization that there's much more to life than the traditional model of work and careers. But what's next for you? For those contemplating retiring, perhaps earlier than expected, it's an opportunity to redesign their lives and pivot to a phase with greater meaning and purpose. How are you approaching your second half of life and retiring? Uncertainity leads many people to approach it with trepidation. Michael Clinton, the author of the new book ROAR into the second half of your life (before it's too late!), asserts that there's a better way. We discuss his four-part process to help you take charge of your next phase. __________________________ Bio Michael Clinton is the former President and Publishing Director of Hearst Magazines and is currently the special media advisor to the CEO of the Hearst Corporation. He is also a writer and photographer who has traveled to over 120 countries. He has appeared in the New York Times, The Wall Street Journal, Town and Country, O, the Oprah Magazine, and other national media. Clinton is the Founder of Circle of Generosity, a nonprofit that grants random acts of kindness to those in need and serves on multiple nonprofit boards. His newest book, ROAR into the second half of your life (before it's too late!) is a manifesto on how to get the most out of your life experience in work, lifestyle, and relationships. __________________________ Wise Quotes On the acronym ROAR "First of all, the awareness of if you're 50 and you're healthy today, you have a really good shot at living to be 90 - or a hundred. And the construct that we were handed by our parents - and by both government policy and corporations - is a very outdated construct. The days they were developed in were the days when the life expectancy quite honestly was in the early 60s. And so you'd check out of a job and you wouldn't live much longer. Well, all that's changed. So ROAR and the acronym that it stands for is designed to help people have that aha moment about this. So they are: Re-imagine yourself and be one of those "Re-Imagineers" before others do it for you, whether it is being laid off or pushed out or any of the above. And re-imagining your favorite future, especially if you're going to have this long life arc, the O is own who you are. I like to call it a midlife awakening, not a midlife crisis because once you've lived 25 years, you know a lot about yourself. So use that awakening [to accept ]that you've made good decisions and bad decisions - just kind of own them and assess where you are right now.  But at the same time, own your numbers. Think about it - it's amazing to me, Joe, how many people I ask what's your blood pressure or your heart rate, and they're completely clueless. And that's not a good thing because as we live longer, we need to keep our health numbers and metrics in place with our financial numbers. We need to own our successes and our failures. So, own who you are, is a big part of this book, and what's next for you. A is Act now with this concept called life layering, which I hope we can get into and talk about. And then the final R is reassess your relationships, because when you're in midlife and you want to make a change in whatever part of your life you're talking about, you need the support of your family, your friends, your community, your colleagues. They're the ones who are going to help facilitate that. And so you gotta really have a clear, clear head as to who they are and who your posse will be to get you there. So it's this four-step process, which is in the book, which stands for ROAR." On Being Person-Appropriate - Not Age-Appropriate "We all are sort of wired to think about what a 50-plus life is supposed to be, which is an outdated concept. So the biggest mistake people make is they create self-imposed ages.
It's a blast to dream about your retirement. Freedom. Flexibility. Fun. Just like you see in the commercials and the brochures. But if you want to truly retire happy and lead a life of fulfillment, you'll need to prepare better. You'll want to go beyond the highlights and take a serious look at what your day-to-day life will really be like - and what it will be about. Tony Hixon, author of the new book, Retirement Stepping Stones, joins our retirement podcast to share his experiences and insights on how you can prepare for the stumbling blocks that can arise in retirement -  and how you can find a new purpose after you leave the world full-time work. We discuss: The tragedy that forever changed how he sees retirement - and why he's on a mission to help people prepare differently The most challenging stumbling blocks people face in retirement The key solutions to those challenges Why you should dream big about your retirement - but why you should look past your highlight reel version of it How career burnout can get in the way of a great retirement Why retirement isn't for everyone - and why you need a Plan B How your legacy should be part of your retirement planning Tony Hixon joins us from Ohio. ____________________________ Thanks to our wise guests and loyal listeners The Retirement Wisdom Podcast is among the top 3% in popularity globally according to Listen Notes. ____________________________ Wise Quotes On Transitioning to Retirement  "You retire one day and [on] the last day they throw you a party. Your email is still active and you get probably a hundred to three hundred emails. And then the party's over. The cake has been eaten. You had the weekend to kind of recoup and Monday morning rolls around. And you open up that email account. It's been deactivated. You switch to your personal email and there are only two [emails ] there, and both of them are junk. So it kind of messes with your mind. You're not quite sure what this new phase of life should look like. You've had the ideal version of what retirement will be based on all the commercials and the Americanization of what retirement is, but perhaps you haven't done the correct work on what you're retiring to. You certainly know what you're retiring from, but you don't necessarily have an idea of what you're retiring to. So that loss of meaning and purpose is certainly a stumbling block that we see many clients face in retirement. Just not knowing for sure if they're needed anymore."   On Purpose and Legacy "However, we often encourage our clients to think more deeply about the kind of emotional impact they want to make on their family and their friends and their community. We ask them questions - and I'd ask your listeners these questions: What lessons do you want to impart? How do you want people to feel when you interact with them? What do you want to be remembered for? These questions are certainly as important - if not more so - than planning for the financial strategy to care for your loved ones. Remember you get to define your legacy. How you live each day builds the legacy that you want to leave behind. Don't be afraid to start living with purpose. It's never too late - or too early - to start." ________________________ Bio Tony Hixon, CIMA®, RFC® is the author of the new book Retirement Stepping Stones: Find Meaning, Live with Purpose, and Leave a Legacy. Mr. Hixon is co-founder, Chief Operating Officer, and Chief Compliance Officer of Hixon Zuercher Capital Management.  As Chief Operating Officer, Tony is responsible for overseeing the administration and compliance of the firm.  In addition to managing the firm’s operations, Tony serves on the firm’s Investment Committee and is a co-Portfolio Manager, an Analyst, and Trader. Tony has experience providing investment services since 2003 and providing financial advisory services since 1999.
What will help you retire happy? After a long career, are you looking for a retirement life that has more variety and flexibility? And a rich, diverse set of activities and interests that you can build gradually and adjust as you go? Our guest on this retirement podcast is Andy Robin, a retired technology executive who's doing just that. He's joining us to share insights from his book Tapas Life: A Rich and Rewarding Life After Your Long Career. Andy joins us from California. _________________________ Are you ready to discover your new life? Our Design Your New Life group program kicks off on September 24th. It’s limited to 10 participants. Learn more here. __________________________ Bio Andrew Robin, known to most as Andy, was born in Chicago and raised in Mexico City.  He holds a BA in Computer Science from the University of Texas at Austin and an MBA from Harvard University.  He has been happily married to Carole for 35 years, and they have two fine kids, Nick, 33, and Molly, 31. Andy was an entrepreneur with his dad in the computer industry in the early ‘70s in Mexico City (his dad moved the family there from Chicago to pursue an opportunity).  He was in the semiconductor industry for 22 years (at Mostek, Monolithic Memories, AMD, and Lattice), mostly in marketing, but also as a general manager, and most recently as VP of New Business Ventures.  He was a house dad from 2002 to 2007 until Carole and Andy’s youngest went off to college. Today he retains the duties of shopping/cooking, household maintenance, travel planning, and finances.  He also plays a lot of classical piano, some golf, enjoyed 6 years on the Board and Executive Committee of his large synagogue (Congregation Beth Am of Los Altos Hills), where he was also co-chair of raising an endowment, was part-time CEO of a promising tech start-up for 6 years (and remains on the Board), is an Executive Coach and Life Coach, serves on the Board of a foundation in Palo Alto and a NYC hedge fund and enjoys day-trips, lectures, and concerts around the San Francisco Bay Area and Silicon Valley. Andy wrote Tapas Life to do some good for others. Andy’s wife, Carole Robin, wrote a terrific book for Penguin RandomHouse with her colleague David Bradford:  Connect:  Building Exceptional Relationships With Family, Friends, and Colleagues.  It distills the combined 70 years she and David enjoyed teaching the Interpersonal Dynamics course at Stanford Graduate School of Business.  She believes that when more people embrace the learnings in her book, the world will be a better place. __________________________ On a Tapas Life "For those who don't know is it's one of the foods of Spain. It's the concept that instead of having an American style, large porterhouse steak on your plate with some potatoes and a veggie, instead you have a bunch of little dishes, and often times the table orders six or eight little dishes as you go. You order a few more and so on. And so it's almost like a little buffet that you make yourself at your own table. And that's kind of how I think about the Tapas Life. During what I call my long career decades of working in an office, that was my big job. And I probably did that 45 to 60 hours a week for decades. My plate was very full for decades. And now that I'm done with my long career, instead, I like to assemble a number of smaller activities that comprise my life today. It's rich and rewarding. It's tasty and interesting. It's varied and enjoyable. And also one of those Tapas is meaningful. So I'm also doing some good for others on the planet." Examples of a Tapas Life "I've seen others who have done important things about social connection for Tapas. What I write about in the book that I just loved is one couple I interviewed who said that once a month they get together with another couple for a weekend. And they alternate each month. It's one couple's responsibility to figure out, within a three-hour drive,
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