Retirement Answer Man

In all of your planning, have you planned for happiness in retirement? Many people just look at the facts and figures in their retirement and they don’t stop to think about how they will create their own happiness in retirement. On this classic episode of Retirement Answer Man, we revisit an oldie but goodie. Listen to this episode to see if you can discover why this was the one that made Nichole decide once and for all that she wanted to come work with me! Are you ready for the most epic retirement course ever? During this hard at work October the Retirement Answer Man team is busy creating The Most Comprehensive Retirement Course EVER! (Yes it’s that great that it needs to be capitalized!) Our Rock Retirement Course will be the most comprehensive retirement course in the history of retirement courses. This course will be your roadmap for creating a rockin’ retirement. Also, don’t forget that we are in the last few weeks for you to take advantage of the low price of the Rock Retirement Club. Starting November 1 the price for the Rock Retirement Club goes up, so sign up today to become a member of the most awesome group on the internet.  Why planning for happiness in retirement is even more important than financial planning When you sit down and plan for retirement most people consider the normal questions. How much do I have? How will I disperse my money? This is what we think of when planning for retirement. Most people don’t stop to think how will I be happy? Retirement is a time of great change in your life. It is much like leaving college to start your career. The trajectory of your life will completely change. So this makes it a great time to consider who do you want to be for the rest of your life? Once you know that then you can think about how you are going to build the life that you want to build. Discover how to map out a meaningful life in retirement on this episode of Retirement Answer Man. Why you need a life of congruence Congruence means the state achieved by coming together. It is a state of agreement. If you say you value A, B, and C are you living your life that is congruent with your values? In my younger years, my actual life did not reflect my values at all. I had a great job, wife, and kids. But I was often a jerk to those I loved the most. I had to sit down and define my values before I could begin to live a life that was congruent with them. Have you sat down to define the values in your life? Now is the time to consider your core values so that you can live a life that aligns with your values and find real happiness.  How I define my top 10 values God - I have a strong relationship with God and talk to him every day. Quality relationships - I value deep friendships. I love listening and going deeper with my friendships rather than just brushing the surface. Adventure - I love being open to new experiences, ideas, and emotions. I always strive to experience new things. Service - I believe I was put on earth to help change the concept of retirement. This is my service to others. Continuous improvement - I don't want to have a fixed mindset, a growth mindset helps me continuously improve as a person.. Fitness - Staying fit helps me not just physically but mentally.  Laughter - Although I am intense, I love to laugh. I am more engaged and optimistic when I laugh more.  Positive attitude - A positive attitude is empowering. It can help create an incredible life. Freedom - I value living life on my own terms. Bravery - Bravery gives me the strength to live out my values even when it is easier not to.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN HOT TOPIC SEGMENT [3:34] Who do you want to be for the rest of your life? THE HAPPY LAB SEGMENT [13:39] What happens when you live a life congruent with your values?  PRACTICAL PLANNING SEGMENT [18:24] How I brought my life into alignment with my personal values [20:02] My 10 personal values TODAY’S SMART SPRINT SEGMENT [34:15] Identify your personal values Resources Mentioned In This Episode Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Work with Roger Roger’s Retirement Learning Center

Have you ever heard of the rising equity glidepath? If not, you’ll definitely want to listen in to this interview with Michael Kitces where he debunks a common retirement myth. Michael Kitces is the man behind the Nerd’s Eye View, a financial planning blog that seeks to improve your financial situation no matter where you are in life. Michael Kitces shares with me on this Retirement Answer Man classic episode recent research which debunks common retirement planning advice. You’ll definitely want to listen to this interview and consider whether his advice lines up with your own retirement asset allocation strategy. Hard at work October During this whole month, we are hard at work here at the Retirement Answer Man world headquarters. We are busy planning for the next year as well as working on the Rock Retirement Course. This will be the most epic course on retirement and you won’t want to miss it. We are also giving our listeners a heads up. The price for the Rock Retirement Club goes up November 1. So if you have been thinking about joining head on over to Rock Retirement Club and join now to ensure that you get your membership costs locked in at the current price.  Do you follow the conventional wisdom regarding asset allocation? During the withdrawal stage in life, people want to take less risk with their money. 100 minus your age is what you should have in equities. Right? That is the traditional asset allocation benchmark. As you age the amount that you own in stocks should decline, or so goes conventional wisdom. Really what this means, is that you should own your age in bonds and less in equities. This is one of those general rules of thumb that sounds great but then when you break it down it doesn’t hold water.  Is there ever a good time in retirement for the market to head south? The first 5-10 years of retirement are crucial to your future financial security. Markets go up and down, so your retirement savings will go one of 2 ways. The market will go down then up or up then down. The order in which the markets go up and down can drastically change your financial situation in retirement. The problem that crops up is that you take distributions out as you proceed through retirement. So if you get bad returns for a decade and then good returns and you took out too much money during the negative return years then you will run into trouble. You are much better off if you have a good market at the beginning of retirement and then it goes down toward the end of your lifespan.  What is the rising equity glidepath? Using the traditional asset allocation advice if you have bad returns early on in retirement you will feel a double whammy when the markets finally bounce back. Instead of using conventional asset allocation wisdom, what happens when you flip it on its head? What if you start your asset allocation at a more conservative level and then work your way up as you age? Listen to Michael Kitces explain an alternative to the traditional advice as he describes the rising equity glidepath and how it can help you achieve financial security in retirement.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN [3:55] How will you allocate your investment assets in retirement? [8:05] You will be much better off if you have a good market at the beginning of retirement  [16:34] What is an equity glidepath? [20:39] The rising equity glidepath is a risk minimization strategy Resources Mentioned In This Episode Nerd’s Eye View Should Equity Exposure Decrease in Retirement? What Returns Are Safe Withdrawal Rates Really Based On? Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Work with Roger Roger’s Retirement Learning Center

Your net worth statement is the first building block for creating a great life in retirement. On this episode of Retirement Answer Man, we revisit a classic episode to reiterate the importance of net worth statements. You’ll learn the importance of having a net worth statement, how to create a net worth statement and how to determine your own net worth. Listen to this episode to find out why having a net worth statement is the foundation for creating your ideal retirement. Have you joined the Rock Retirement Club yet? If you have been thinking of joining the RRC now’s the time to act. Not only are we putting together the Rock Retirement Course which will be the most comprehensive course on retirement ever created, but starting November 1 the membership price will go up. The added benefit of joining now is that you can join us on November 2 for the Retirement Rodeo Round-Up. We have over 30 people joining us for fellowship and retirement education. Join before November 1 to lock in your membership price for a lifetime. What exactly is a net worth statement? A net worth statement is basically a statement of your financial health on one simple page. This document can provide you with a brief look at your financial situation any time you need it. You can easily see where you stand by tracking your assets and expenses. With your net worth statement in hand, you can get a real look at where you stand on achieving your retirement goals. Are you ready to learn how to create your own net worth statement? Listen in to find out how.  Creating your own net worth statement is easy To create a net worth statement you will list all the things you own that have value as your assets. You can further categorize those assets by whether they are tax-free, tax-deferred, etc. Then you will include your liabilities. Subtract your debt from your assets to find your net worth. With a net worth statement, your financial well-being is right there at your fingertips. Use it as a dashboard to examine your financial health. Check out the ‘Build Your Net Worth Statement’ worksheet in the Retirement Learning Center to help you get started on building your own net worth statement.  How do you use a net worth statement to help you plan your retirement?  Your net worth statement is a snapshot in time with which you can measure your progress. This document is your starting place. Once you understand your net worth you can then begin to plan how to rock your ideal retirement. You’ll understand just how far you have to go to achieve your financial goals. Your net worth statement won’t lie to you. It cuts through your best intentions and shows you where your values truly lie. Use your net worth statement to get intentional about your financial decisions. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN HOT TOPIC SEGMENT [7:20] What exactly is net worth?  [11:55] How can you use your net worth statement to plan retirement? PRACTICAL PLANNING SEGMENT [17:40] What does Kim’s net worth statement look like? THE HAPPY LAB SEGMENT [49:15] Be careful how you handle stress TODAY’S SMART SPRINT SEGMENT [47:10] Make a note of where you keep your important documents Resources Mentioned In This Episode Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Work with Roger Roger’s Retirement Learning Center

Welcome to the last episode of Retirement Plan Live 2019. If you are new to the show, go back and start with episode 289. Retirement Plan Live is a series within the show where we take live case studies with listeners and walk through their retirement dreams and then tackle their finances to see if they can make their dreams a reality. In this Retirement Plan Live, we have met Emma and she and her husband have been facing a difficult situation. On Thursday, October 10 we’ll have their live results meeting. We’ll walk through their ideal retirement and learn if their retirement plan can become a reality. Be sure to sign up for 6-Shot-Saturday on the homepage of RogerWhitney.com so that you can get the link to the live results webinar.  How do you move forward? Christopher McCluskey joins me from the Professional Christian Coaching Institute as we discuss how to move forward in hard times. When life deals us a big blow we can get stuck in one place. This is when we need to think about how we approach life rather than how we control it. In hard times, our mindset becomes our reality. That is where the battle is won or lost. There is a period of grief and we should embrace that grief. Grieving is good for you, and without healthy grieving first, you won’t move forward. Eventually, you need to wrestle through to accepting. That is when you grow.  Coping with a new reality Coping with a new reality is hard. But none of us truly knows when our last day will be so we need to adopt a mindset of living. Live like you are dying. We can all fritter away at our own lives and sometimes our new reality opens our eyes. Focus on what you can do rather than what you can’t do. And try to discover what is possible with your new life. Try not to give in to despair since we can always hope for something.  How does Emma navigate being the one left behind? Emma is in a tough space since she needs to be there to care for Luca, but she also needs to prepare for life alone. She is living a life in limbo. Her support network is both near and far with a brother traveling and a sister nearby. She also has good friends and great neighbors. Emma has managed by advocating for Luca and getting her own support. She understands the importance of self-care but it can be a challenge to work on that at times.  What would Emma like clarity on in her retirement plan? On October 10 we’ll have the live webinar with Emma and Luca where we go over their retirement plan. Make sure you’re signed up for 6-Shot Saturday to get the link for the webinar. It is important for Emma to have an agile retirement plan that covers the different scenarios in which she might see herself. She knows there is still plenty that could go wrong.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN HOT TOPIC SEGMENT [4:12] Christopher McCluskey discusses how to move forward [11:25] How do you navigate being the one left behind? [15:56] What is the difference between hope and false hope? [24:20] How do you support someone with their struggles? PRACTICAL PLANNING SEGMENT [28:06] How is her support network? [35:02] How does she manage it all? [37:45] What could go wrong? [45:05] How does she define herself? THE HAPPY LAB SEGMENT [51:45] Emma has given us some perspective TODAY’S SMART SPRINT SEGMENT [52:52] Reply to 6-Shot Saturday with a message to send to Emma Resources Mentioned In This Episode BOOK - Thinking in Bets by Annie Duke Professional Christian Coaching Institute Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Work with Roger Roger’s Retirement Learning Center

Welcome back to Retirement Plan Live 2019. During this Retirement Plan Live, we look at Emma and Luca who have recently been thrown a curveball and need to adjust their retirement plans. In this episode, we will be counting what they have to see if they will be able to make their retirement dreams a reality. While they are counting what they have, take the opportunity to sit down and consider what you have. We’ll include worksheets you can use in the 6-Shot Saturday email so be sure to sign up for it at RogerWhitney.com.  Counting what you have It’s time to think about what resources you have to live the kind of life you want. By sitting down to examine where you stand you can see where there are opportunities to improve as well as looking at where your risks are. Sign up for 6-Shot Saturday to receive a summary of everything we have covered on Emma’s journey in Retirement Plan Live as well as worksheets to help you plan your retirement. Just head over to RogerWhitney.com and enter your email and you’ll receive the 6-Shot Saturday in your inbox every Saturday.  What kind of social capital do you have?  There are 2 ways that you can consider social capital. You can think of the traditional form of social capital which includes your family, friends, your church community, and colleagues. This sort of social capital is there when you face hard times. The other type of social capital is the financial term which means any sort of money that is a guaranteed payment to you. Social Security is the most common example of social capital. A pension or an annuity are other types of social capital.  Do you plan to use human capital in your retirement? Another resource we consider in retirement planning is human capital. Human capital is you. Your ability to earn an income is your human capital. Many people choose to work part-time or take a pretirement so they can continue to earn money and still have the flexibility and time freedom that they are looking for from retirement. Flexibility is a key component of an agile retirement. Are you planning to use your human capital in retirement?  Do you have a net worth statement? Financial capital is what we traditionally think of using when we think of retirement. This is the money you have saved up. We can measure the money you have in a net worth statement. It is important to get organized so you can figure out what you have to work with and what the biggest risks are and you can plan what to do next. Emma has enjoyed taking the time to organize her information and ideas to help her see where they stand in their retirement plans. Have you organized your information so that you know where you stand?  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN HOT TOPIC SEGMENT [2:28] What resources do you have? [5:45] What is the financial definition of social capital? [6:39] What kind of human capital do you have? PRACTICAL PLANNING SEGMENT [10:30] What is Emma’s social capital? [22:33] What human capital do they have?  [27:17] What is their financial capital? THE HAPPY LAB SEGMENT [36:49] It is easy to compare the present with the past. Think about where you are and focus on what is possible instead TODAY’S SMART SPRINT SEGMENT [38:50] What do you need to reframe to think about what is possible? Resources Mentioned In This Episode Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Work with Roger Roger’s Retirement Learning Center

Even when life throws you a curveball you still have to figure out how to move forward. This Retirement Plan Live series is a bit different than the previous ones. We are working with Emma and Luca who are dealing with an unexpected hitch in their retirement. On the last episode, we learned about their situation. On this episode, we’ll discuss their needs, wants, and wishes. And in the following episode, we’ll look at the numbers and discuss how they plan to pay for it all. Listen to this episode to hear how to move forward when life throws you a curveball. How to move forward with the 5 stages of grief There are different kinds of loss. Loss of a relationship, loss of a child, loss of a friend loss of trust, and loss of identity are just a few. Whenever we experience any kind of traumatic loss we experience grief. And everyone handles grief differently both outwardly and inwardly. There are 5 stages of grief: denial, anger, bargaining, depression, and finally acceptance. These stages aren’t necessarily linear and many people never reach the acceptance stage. Some people never move past their grief and they get stuck in one of the stages for the rest of their lives.  7 Tips that have helped me when dealing with grief Lean into your feelings. Don’t wallow in your feelings but do allow yourself to feel your feelings. Act out safely. It’s ok to act out, you can rant and rage, but don't burn bridges or hurt others when acting out your emotions.  Don't be so hard on yourself. Give yourself grace. It's ok to have negative thoughts just don’t nurture them. Reach out. You're not an island your friends and family are there for you.  Try journaling. Even if you aren’t a journaling type of person, give it a try. Affirm that you are going to create a great life. You can still have a great life regardless of your situation. What can you do next? Think about how you can improve your situation What are their base needs? Emma estimates that they need about $65,000 to cover their base needs excluding healthcare. Healthcare has been a big expense for them since the diagnosis. She estimates they spend about $12,000 per year on insurance, premiums run between $12-20,000 per year, and drugs are another $12,000. Thankfully they have always been savers and had money set aside. They also have a sinking fund for home repairs. At the moment they don’t spend much on entertainment but they will begin to travel soon. Sign up for 6-Shot Saturday to get all the updates on Retirement Plan Live 2019. Their wants and wishes Travel is a big part of their retirement dreams. They love camping and being outdoors and have bought a camper. They didn’t travel much in the past due to lack of free time, but now they have the time to do it. Emma estimates that they will probably spend $10,000 a year on travel. Some other wishes are home improvement projects, a fun sports car, and a garage to restore an old car. Make sure to listen to next week’s episode to find out how Emma and Luca plan to pay for all of their wants and wishes.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN HOT TOPIC SEGMENT [2:05] What are the 5 stages of grief? [8:20] Tips that have helped me when dealing with grief PRACTICAL PLANNING SEGMENT [11:45] Emma has plans to dream big [14:56] What are her base needs? [19:26] What are Emma’s wants? [27:42] How does Luca feel about their circumstances? THE HAPPY LAB SEGMENT [31:44] It’s important to take action TODAY’S SMART SPRINT SEGMENT [33:36] Think about someone you know that is dealing with something Resources Mentioned In This Episode Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Work with Roger Roger’s Retirement Learning Center

Welcome to a new Retirement Plan Live. If you this is your first time listening to one, be sure to sign up for 6-Shot Saturday to get all the updates. On this Retirement Plan Live, we’ll be working with Emma and Luca. Life has thrown them a curveball and we’ll see if they can still make their ideal retirement a reality given their current situation. Week by week we’ll walk through their situation. On this episode, you’ll hear what happened and what their retirement goals are. Next, you’ll hear about their financial resources. Then we’ll discuss how they can remain agile given their situation. We’ll also discuss their opportunities and the risks that surround them. Each week you’ll get an update in 6-Shot Saturday. Then in October, we’ll have a webinar where we lay it all out on the table to see if they can make their revised retirement dreams a reality. Make sure to listen to the whole series and sign up for 6-Shot Saturday to get all the updates. Even with the best-laid plans, things can go wrong Even for those of us who plan and plan and try to prepare for everything, things can go wrong. Life can throw us curveballs from out of nowhere. Your friends, your parents, your kids, your partner and even you can get sick. Death is another curveball that can derail your plans. Divorce, addiction, depression: these can all disrupt our best-laid plans. How do you rock retirement if you don’t even want to get out of bed? Over the next few episodes, we’ll be exploring how you can learn to change your plans to adapt to a new reality.  Who are Emma and Luca? Emma and Luca have been married for 40 years. She is turning 65 soon and he is 66. They envisioned their retirement to be a combination of work with a bit of flexibility. Travel was a big part of their retirement plans. They enjoy camping and are avid cyclists. Luca is a bit of a workhorse and could never imagine stopping work completely. They are good savers and their ideal retirement didn’t seem too far-fetched. But then one day Luca got sick.  What derailed their retirement plans? Luca has always been very healthy and was never one for doctors’ visits. But after he got sick and became jaundiced Emma convinced him it was time to see a doctor. Pancreatic cancer was the diagnosis. They didn’t realize it but their retirement plans had changed overnight. With his illness surgery and extensive chemotherapy would be necessary. And even if all went well there is still only a 10% 5-year survival rate. It took them both a while to realize that things would never be the same and their retirement plans would need to change drastically. How do they deal with all this? Luca tried returning to work briefly this year but it didn’t last long. Emma’s employer has been considerate of their situation and she has taken some time off as well. It is hard for a man who values work so much to suddenly stop working when he isn’t ready to. Your outlook can become very negative in this situation. They know they can’t go back and change the past so now they must consider what they can do next. They have to balance whether to spend or regret not spending. Emma knows that her retirement plans now must include 2 different versions. Find out what will happen with Emma and Luca by listening to this Retirement Plan Live. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN HOT TOPIC SEGMENT [2:49] Even with the best-laid plans, things can go wrong PRACTICAL PLANNING SEGMENT [10:57] What were their previous retirement plans? [14:36] What derailed their plans? [19:32] It took them a while to realize that things will never be the same [20:54] How do you plan for retirement in this situation? [26:50] They need to create 2 sets of plans THE HAPPY LAB SEGMENT [29:10] It’s only when we cannot change the experience that we look for ways to change the view of the experience TODAY’S SMART SPRINT SEGMENT [30:27] Apply that quote to one situation  Resources Mentioned In This Episode Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Work with Roger Roger’s Retirement Learning Center

Over the past month, we have been exploring an important topic in creating your retirement. We have been discussing you. Retirement is another giant life change that can be compared with ending school or beginning a career. This momentous occasion is a great time to give pause and think about who you really are. If you haven’t listened to the previous episodes in this series, you’ll want to go back and listen to episodes 285, 286, and 287. On this episode, you’ll learn 5 steps for creating your retirement identity.  Steps for creating your identity in retirement Retirement is a long time. You’re starting an entirely new step in life and walking away from the life you once had. This is a great time to think about who you really are and who you want to become. Here are steps you can take to help you create your new identity Acknowledge who you currently are. What is your current identity? Reconnect with who you really are via self-examination. Discover what makes you tick. Examine the past and all the things you built up. Decide what to keep and what to let go. Begin to test. Play with new ideas and hobbies to discover which ones are a good fit. Choose. Lean into a new reality that revolves around your interests.  Enjoy the process. Don’t put pressure on yourself to choose, this isn't a race.  What are you going to be when you grow up?  We are asked from the youngest age, what are you going to be when you grow up? People have been focused on their career for so long that once they come to retirement they don’t really know what to do. If you have focused solely on your career then retirement will really be a challenge. It’s time to start focusing on the right things and becoming more self-aware. Get to know yourself better and find your passions so that you know what you want to do when work isn’t there anymore.  How can we become intentional about finding our passions? Most people aren’t proactive about discovering themselves. Life moves quickly and work, family, and other things get in the way of discovering who you really are. Think beyond money. What motivates you, what makes you tick? What are your drivers? Do you want to belong, to be valued, to be recognized? Start thinking about how you can lead the life that you really want. How do you build your tomorrow today? Once you discover what motivates you then you can start to fulfill yourself. Take some time to sit down and analyze your life. Use today to build your tomorrow. Think about how you want to fill your time. Doing the prework of understanding yourself will lead to a fulfilling retirement where you retire towards something, rather than away.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN HOT TOPIC SEGMENT [3:49] A framework for navigating the new you in retirement PRACTICAL PLANNING SEGMENT [10:00] People don’t focus on the right things [18:49] What kind of framework can we use to become intentional about passions? [26:20] Where are you going to get your fulfillment in retirement? THE HAPPY LAB SEGMENT [36:56] Fall is coming! TODAY’S SMART SPRINT SEGMENT [38:58] Part A: Use the framework to figure out who you will be in retirement    Part B: Sign up for 6 Shot Saturday Resources Mentioned In This Episode APP - Carrot Weather BOOK - Atomic Habits by James Clear BOOK - Love Does by Bob Goff BOOK - The Book of Mistakes by Skip Prichard BOOK - Necessary Endings by Henry Cloud PODCAST - The Enneagram in Your ReaLife with Teresa McCloy BOOK - The Longevity Economy by Dr. Joe Coughlin BOOK - Don’t Retire, Rewire by Jeri Sedler Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Work with Roger Roger’s Retirement Learning Center

In this conversation with Skip Prichard, author of "The Book of Mistakes," listeners delve into the art of self-reinvention in retirement. Skip emphasizes the importance of closing the door on the past to embrace a new chapter. He discusses transformative literature that aids personal growth and the concept of 'necessary endings.' The power of storytelling is highlighted as a means to redefine success and pursue authentic passions. Additionally, Skip shares how mistakes can lead to unexpected growth and happiness in this new phase of life.

As you approach retirement, take time to reconnect with your authentic self. We continue with the ‘who are you in retirement’ series by learning how to connect with your authentic self using the Enneagram. Today we welcome Teresa McCloy from the Enneagram in Your Real Life podcast. Teresa is here to show you how the Enneagram can help you rediscover your authentic self. Teresa is an Enneagram expert that teaches people how to apply the Enneagram intentionally to create a better life. Listen to this episode to learn how to use the Enneagram to rediscover your authentic self. Do you have many low stakes casual friendships? Low stakes casual friendships are those relationships with people that we see in passing. Consider the barista from the coffee shop, your hairdresser or the waitress at your favorite restaurant. They are the people you know a little bit about but you wouldn’t call at 3 a.m. with a problem. A recent study was done on the importance of low stakes relationships in our lives. We need social attachments. We feel comfortable when we go places where we are known and recognized. As you create your deeper social network don’t forget the community around you. You never know where these casual friendships may lead How can the Enneagram help you discover your authentic self? The first step in rediscovering your authentic self is to do some self-examination. This will help you to create your identity in retirement You need to identify what drives you and gives you pleasure. There are plenty of personality assessments you can take like the DISC assessment or Meyers Briggs, but the Enneagram can be an even more powerful tool for self-discovery. The enneagram is different from the rest because it speaks more to the heart. It gives us insight into becoming our best selves by connecting the head, heart, and gut.  How can the Enneagram help you in retirement? When you retire you may be at the top of your game in whatever it is you do to earn money. But that area may not be where your authentic self lies. Retirement gives you another opportunity to reconnect with your true self. The Enneagram gives us insight into becoming our best self through these three centers: the head, the heart, and the gut. With this tool, you can reconnect with all three. The Enneagram gives you the language you can use to connect with others as well. It can also help give you grace and empathy to understand how to communicate with those around you.  How can the Enneagram help you connect with your spouse? The divorce rate for couples over 50 is at an all-time high. Once you and your spouse are home all day, every day you may have trouble connecting. Many people find that when they retire they no longer feel a connection to their significant other. The Enneagram can help you discover your authentic self but it can also give you an understanding of how you relate to others and understand that others communicate differently. It can give you the language to use with your spouse and help you have grace and empathy. After you listen to this episode check out Teresa’s podcast and give the Enneagram a try.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN HOT TOPIC SEGMENT [2:49] The importance of the low stakes relationship PRACTICAL PLANNING SEGMENT [7:46] Teresa McCloy discusses how to use the enneagram intentionally to create a better life in retirement [20:14] How can the Enneagram help you find your authentic self? [28:16] How does the Enneagram help couples? THE HAPPY LAB SEGMENT [31:49] Who are your low stakes friends? TODAY’S SMART SPRINT SEGMENT [33:33] Check out the Enneagram in Your Real Life podcast Resources Mentioned In This Episode PODCAST - Enneagram in Your Real Life with Teresa McCloy Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Work with Roger Roger’s Retirement Learning Center