How to Navigate Goals as Life Unfolds

18 snips

Oct 22, 2025

Dr. Bobby, a physician and podcast host, dives into the nuanced world of organic foods. He reveals the significant cost differences of organic groceries, often running 50% higher than conventional options. They discuss the opportunity cost of choosing organic over saving for retirement or investing in health. Surprisingly, Dr. Bobby emphasizes that simply increasing fruit and vegetable intake offers greater health benefits than going organic. The conversation also touches on the emotional allure of organic choices and suggests strategic purchasing for maximum benefit.

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INSIGHT

Opportunity Cost Shapes Retirement Choices

Opportunity cost links retirement goals and choices like buying organic by showing what you give up when you choose one option.
Roger Whitney uses family travel vs. local availability to illustrate trade-offs in retirement decisions.

ANECDOTE

Family Time Versus Colorado House Trade-Off

Roger Whitney describes family visits and choosing to spend time in Colorado as a trade-off versus being local for spontaneous meetups.
That choice exemplifies opportunity cost in real retirement decisions.

INSIGHT

Goals Can Be More Volatile Than Markets

Retirement goals are at least as volatile as markets because personal priorities and preferences change over time.
Items can shift between base needs, wants, and wishes as seasons of life evolve.

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💬 Show Notes

In this episode, we continue our four-week series on better retirement goal setting with Roger Whitney. This week, we delve into the dynamics of navigating retirement goals as life unfolds and the concept of opportunity cost. In the second half, Roger has enlightening discussion with Dr. Bobby, where he explores the pros and cons of organic food and its relevance to our health and finances. Discover how to align your retirement goals with your evolving self and make informed choices about your lifestyle. Tune in for practical insights that can help you rock your retirement!

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

(00:00) This is week three of a four-week series on better retirement goal setting, plus Roger chats with Dr. Bobby about the cost-benefit of buying organic.
(02:55) Roger encourages registration for his next live meetup at livewithroger.com.

PRACTICAL PLANNING SEGMENT

(03:40) Roger reflects on setting goals that will align with the current version of you and also who you are becoming.
(05:44) Roger explores how goals evolve over time, the barriers that make it hard to recognize and adapt to those changes, and a simple protocol to help ensure your goals stay aligned with what matters most.
(07:15) Priorities shift over time as what once mattered may lose importance and new values emerge.
(10:27) Life events like health changes, family needs, or loss can rapidly reorder goals.
(12:41) Common barriers to noticing change include inattention, sunk cost fallacy, and social pressure.
(16:01) Regular reflection helps keep goals aligned with what’s truly important.
(20:05) Review spending regularly to ensure it reflects your current priorities.

CHAT WITH DR. BOBBY

(23:20) Roger introduces Dr. Bobby to talk about organic foods.
(25:52) What are organic foods?
(29:03) Dr. Bobby breaks down the cost of organic food.
(33:00) What are the benefits of organic food? Is it worth the cost?
(38:15) Roger acknowledges that some people feel strongly about buying organic as a way to take control of their health.
(40:57) 80% of the US population doesn't get enough fruits and vegetables.
(42:16) Dr. Bobby breaks down the ROI on buying organic.
(48:23) If you do buy organic, which products should you buy?
(52:20) Bobby talks about his podcast and the power of positive thinking when dealing with illness.

SMART SPRINT

(53:13) In the next seven days, pull out your retirement plan of record and review your goals.

REFERENCES