Retirement Starts Today Cut Your Retirement Stress in Half (New Vanguard Study)
Oct 13, 2025
A recent study by Vanguard reveals that the real value of financial advice lies in its emotional benefits and time savings rather than just investment returns. Clients report significantly reduced financial stress and more peace of mind. Surprisingly, many undervalue these emotional returns, often focusing solely on portfolio management. Additionally, the podcast answers a listener's query about Health Savings Accounts and their interaction with Medicare premiums, shedding light on reimbursement rules and eligible expenses.
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Advice Gives Emotional And Time Value
- Vanguard's new study measures emotional and time-saving benefits of financial advice beyond portfolio performance.
- Advised clients report far less stress, more peace of mind, and reclaim ~100 hours per year.
Giving Up Tasks Frees Mental Energy
- Benjamin shares a personal story about hiring lawn service and reallocating time after decades of doing it himself.
- He now values the freed time and rarely imagines taking the task back.
Time Saved Aligns With Retirement Goals
- Time saved from advice is often spent on leisure, family, and exercise — similar to retirement goals.
- That reallocation makes hiring advice potentially more valuable for retirement quality of life.
