Retirement Planning Education, with Andy Panko #187 – "Real" person chat with Kevin Lyles from the Rock Retirement Club, discussing six "Retirement Truths"
Jan 15, 2026
Kevin Lyles, a retired corporate lawyer and certified retirement coach, shares insights on navigating the non-financial aspects of retirement. He highlights six essential truths, urging listeners to focus on growth and flexibility over rigid planning. Lyles discusses the common pitfalls of obsessing over a single purpose, the dangers of over-optimizing decisions, and the importance of building a new social network post-retirement. Ultimately, he emphasizes that retirement is more about how we spend our time than how much money we have.
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There Is No Single 'Enough' Number
- There is no single perfect dollar amount that guarantees you're 'done' saving for retirement.
- Life events, taxes, returns, and relocations constantly shift what 'enough' means.
Bought Annuities After Unexpected Costs
- Kevin recounts unexpected big expenses early in retirement like a fallen tree and hurricane damage.
- He raised spending after strong markets but protected income by buying annuities to lock in guarantees.
Retirement Shifts Focus From Money To Life
- Pre-retirement planning centers on finances, but post-retirement concerns flip to non-financial issues.
- Time management, social networks, status, and usefulness dominate once work ends.
