Are you waiting until 65 or 70 to retire—only to risk missing your best decade of health? In this episode of Next Act Ninjas, Dr. Rachael Van Pelt explains why retirement isn’t one long “golden plateau” but three very different stages: the Go-Strong years (55–65), the Go-Slower years (65–75), and the Go-Less years (75–85). Discover how biology—not your financial planner—shapes your retirement timeline, and why aligning your money with your healthspan is the smartest Next Act decision you can make.

If you’re nearing retirement, don’t miss this eye-opening conversation about vitality, family, caregiving, and creating memories when you’re still strong enough to enjoy them.

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Chapters

00:00 Rethinking the 'Work As Long As Possible" Advice

01:38 Retirement Years Aren't Uniform

02:47 The Go-Strong Decade: Peak Vitality

05:29 The Go-Slower Decade: Navigating Change

07:18 The Go-Less Decade: Embracing Wisdom

08:57 Timing Retirement to Enjoy Quality Time Remaining

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Rightsized Home & Health Review https://bit.ly/4aiIBxx

Rachael Van Pelt, PhD is a retired healthspan scientist turned Realtor and longevity coach helping 55+ adults rightsize with confidence. If you’re unsure whether to move, stay put, or unlock equity, she’ll help you run the numbers, weigh the tradeoffs, and build a plan that supports both health longevity and financial freedom. Rachael works locally (in Colorado) as a Realtor and nationally as a coach. If you want expert guidance for your rightsizing journey, book a free strategy session using the above link.

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Copyright Notice: This podcast and our YouTube video contain dialogue, music, and images that are the property of Rachael Van Pelt. You are authorized to share the video link and channel and embed this video in your website or others as long as a link back to our YouTube channel is provided. @drrachaelvanpelt