Headline: Retirement Glide Paths and Behavior

What if "giving back" isn't about writing bigger checks but about using what you're already great at? Most people think philanthropy is reserved for people with their names on buildings. That assumption keeps them from realizing they already have something valuable to give.

Joe Saul-Sehy, OG, and Neighbor Doug welcome John Studzinski, managing director at PIMCO and founder of the Genesis Foundation, for a conversation about generosity, purpose, and impact that actually applies to everyday Stackers. John challenges the whole concept of "philanthropy" as something for the ultra-wealthy and reframes giving as a muscle anyone can build using time, talent, and intention instead of just cash.

The conversation reveals how you can create meaningful impact right now, regardless of your bank balance. Whether you're great at organizing, teaching, listening, or solving problems, those skills matter more than you think. John breaks down how to identify your personal talent for impact and why intentional giving beats reactive charity every single time.

Then the show shifts to retirement planning, specifically how to design a glide path that works with your behavior instead of fighting it. Joe and OG break down how to manage risk as you age, why annuities keep showing up in retirement conversations, and why smart planning focuses less on chasing perfect returns and more on creating stability you can actually live with. Because the math might say one thing, but your ability to sleep at night matters just as much.

Along the way, the crew takes a detour into ChatGPT's potential future, explores a few behavioral finance truths that hit uncomfortably close to home, and wraps with a pop culture review reminding us that money decisions never happen in a vacuum. This episode is about aligning your resources (financial and otherwise) with the life you actually want to live.

What You'll Walk Away With:

• Why "giving" is a better word than "philanthropy" and why that shift in language actually matters

• How to identify your personal talent for impact even without significant wealth

• Why generosity works best when it's intentional and strategic rather than reactive

• How retirement glide paths actually work and why your behavior matters more than the math

• The role annuities can play in reducing retirement anxiety without sacrificing everything

• Why percentages can be misleading, real dollars tell better stories, and context is everything

• How fear, FOMO, and age quietly shape your investment decisions in ways you might not notice

• Permission to build a retirement plan around stability instead of maximum growth

This Episode Is For You If:

• You want to give back but think you need more money before you can make a real difference

• You're approaching retirement and tired of advice that ignores how you actually feel about risk

• You've wondered if annuities deserve their bad reputation or if there's something there

• You want your money decisions to reflect your values, not just optimize for returns

• You believe purpose and planning should work together, not compete

Before You Hit Play, Think About This:

What's a talent you already have that could create more impact than money alone? And when it comes to retirement investing, what decision do you know is emotional but still struggle with? Drop your answers in the comments because John's perspective on giving and the crew's take on retirement planning might shift how you think about both.

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