Today's episode features an insightful conversation with Derek Coburn, wealth advisor, author of "Let's Retire Retirement," and founder of the Cadre community. Derek brings decades of experience helping entrepreneurs and high achievers rethink conventional views on wealth, freedom, and the age-old concept of retirement.

Derek's journey started in traditional financial advising, where he noticed how many people fell into outdated patterns—saving for a distant finish line while sacrificing health, relationships, and personal purpose. He eventually took a different path, focusing on building deep relationships and meaningful communities instead of sticking to the typical accumulation mindset. His book and philosophy challenge listeners to move away from the 18th-century idea of retirement and instead focus on creating freedom and fulfillment right now, not just someday in the future.

In this thought-provoking discussion, Derek and host Dave Wolcott dive into why the old model of working hard today for a delayed payoff tomorrow no longer fits our lives. They explore the mindset shifts needed to prioritize well-being, relationships, and purpose, while still making smart financial choices. Derek's practical tips and real-world examples will help you reconsider what it means to live and invest wisely.

In this episode, we discuss:

Why the traditional retirement model is outdated and may not serve your real goals
The difference between accumulation theory and passive income—building freedom today, not just for the future
Mindset shifts to prioritize relationships, health, and meaning over postponing happiness
Actionable strategies to align your wealth plan with your true priorities and avoid future regrets

Click here to learn more: https://pantheoninvest.com/episode193

Ditch the 4% Rule: Passive Income Over Accumulation