The Humans vs Retirement Podcast

This is the 27th and final episode of season 2 of the Humans vs Retirement podcast As I reflect on the past four months I just want to say a massive thank you to everyone of you that continuies to tune in to the show week after week. The growth of the listnership has been mindblowing and the feedback I'm getting shows the impact that these conversations are having and that is truly humbling! In this solo episdoe I share five personal takeaways from the season's conversations, including the importance of embracing change and growth, social connections and mental well-being, actively shaping retirement life, and embracing transitions for a vibrant retirement. I also share what I think is the step change that is happening in retirment right now, that is the rise of the retirement rebels... What is a retirement rebel? Why is there a retirement rebellion happening? and what are the challenges of being one? I also share what I believe to be the biggest misconception that people embarking on retirement have and what they get wrong the most, you wont want to miss what I have to say! Here are the links to the free resources that I mention in the episode... The Retirement Toolkit My Blog My Sketches A Free PDF of The Book Enough? Here is to a very Merry Christmas and a Happy New Year... see you in 2024! 

Neil Jones, a newly retired professional with a background in technology and finance, candidly shares his journey just six weeks into retirement. He discusses the vital role of planning and emotional adjustments in navigating this life transition. Neil reflects on the joys of embracing new hobbies and the challenges of self-doubt while emphasizing the importance of maintaining social connections. He also touches on the need for strategic financial planning and how true contentment in retirement stems from appreciating life's simple pleasures.

Summary Wallis is an authority on how to be an ageing entrepreneur. She is a speaker, and author and is intent on disrupting the accepted norm around what is possible as we age. Wallis is different to most people her age, she is straightforward, quirky and has an attitude of let’s give it a try. She is the founder of Bold Not Old, a platform for education and self-awareness for ‘The Silver Economy’ and CEO and editor-in-chief of Empowering Boldness a bi-monthly magazine. Her passion is to challenge those who are 55+ to get out of their comfort zone rethink retirement and have a go at being an entrepreneur. She encourages creativity, daring to be different, thinking fabulous and proving that pursuing a passion can add years to our lives. As Wallis herself says “there is no Utopia, but life can be joyous, even the challenges can be small bumps on the journey to what is next” In this episode Wallis and I discuss challenging the traditional beliefs about aging, explore the power of entrepreneurship in retirement and the ability for today’s ‘retirees’ to disrupt societal norms. Useful Links Check out Bold Not Old Visit Wallis’s website Subscribe to Wallis’s brilliant YouTube channel Subscribe to the Humans vs Retirement podcast on Apple Podcasts, and Spotify Download for free my 7 Step Retirement Toolkit Subscribe to my newsletter Stay The Course Connect With Wallis LinkedIn Twitter/X Connect With Me TFP Financial Planning LinkedIn X / Twitter Book in a chat if you want a second opinion about your retirement planning. Email at dan@tfp-fp.com

Summary Dr Phil Pearlman is the founder of The Pearl Institute, a teacher by nature and expert in the areas of personal health and effective processes of change. Phil set out on his own health journey after spending years neglecting his wellbeing and happiness and emerged thriving and eager to help others. From that he created The Pearl Institute and has dedicated his life to helping people optimize their wellbeing. That’s his calling! He is the author of The Primecuts Newsletter, which focuses on cultivating a healthy lifestyle and mindset through the powers of creativity, reinvention, and grit and has been an advisor to and investor in social/digital media companies. He has served as CBO and CMO at Osprey Funds, EVP at Bank OZK, Executive Editor at Stocktwits, and Interactive Editor at Yahoo Finance. Phil earned a Doctor of Psychology degree from Argosy University and lives with his wife and two boys in Montebello, New York. In this episode Dr Phil and I discuss the importance of health in retirement and how it impacts our ability to enjoy and make the most of our financial resources we've accumulated and more importantly the newfound time and freedom we have. Phil shares his knowledge and wisdom on growing healthier, performing better, leading stronger lives, and making wiser decisions, all of which can be applied to retirement. Useful Links Subscribe to Phil’s brilliant newsletter Prime Cuts Check out The Pearl Institute website and discover how Phil can help you! Subscribe to the Humans vs Retirement podcast on Apple Podcasts, and Spotify Download for free my 7 Step Retirement Toolkit Subscribe to my newsletter Stay The Course Connect With Dr Phil LinkedIn Twitter/X Connect With Me TFP Financial Planning LinkedIn X / Twitter Book in a chat if you want a second opinion about your retirement planning. www.humansvsretirement.com  

Summary Mike Drak is a retirement lifestyle expert and renowned author. He is the author of three books: "Longevity Lifestyle by Design," "Victory Lap Retirement," and "Retirement, Heaven and Hell." With his expertise in retirement lifestyle design, Mike has become a go-to expert for high-profile blogs and organizations. He is also a contributor to the digital media hub called Booming Encore. Mike emphasises the non-financial aspects of retirement and the importance of finding purpose and meaningful activities in retirement. His personal story of struggling with retirement shock adds to his credibility and understanding of the challenges faced by retirees. Overall, Mike’s achievements and credentials establish him as a trusted authority in the field of retirement lifestyle design. In this episode I dig into Mike's extensive experience and expertise in retirement planning, combined with his passion for helping people live their best retirement lives and it made for an incredibly insightful conversation. We discussed the non-financial elements of retirement, how to design a fulfilling retirement lifestyle, and the importance of mindset in achieving a happy, healthy, and wealthy retirement. Useful Links Buy Mike’s brilliant books Longevity Lifestyle by Design, Victory Lap Retirement and Retirement, Heaven, and Hell Booming Encore Humble Dollar Subscribe to the Humans vs Retirement podcast on Apple Podcasts, and Spotify Download for free my 7 Step Retirement Toolkit Subscribe to my newsletter Stay The Course Connect With Mike LinkedIn  Connect With Me TFP Financial Planning LinkedIn X / Twitter Book in a chat if you want a second opinion about your retirement planning. Email at dan@tfp-fp.com

Summary Dr Lyle Sussman is the former Chairman and Professor of Management and Entrepreneurship, University of Louisville, and Professor Emeritus. Aside from 65 scholarly articles, he is a bestselling business author with more than 1,000,000 copies of his books in print in 15 languages. Excerpts of his books have appeared in Harvard Business Review Updates, Savvy, Bottom Line Reports, Working Woman, Inc., Success, Executive Book Summaries, Investor’s Daily, CNN, American Banker, US Air In Flight Audio, and hundreds of management blogs. He has spoken to more than 100,000 people and consulted around the world for both the private and public sector, with significant impact in the banking industry. He received his PhD from Purdue University, and his BS and MS degrees from University of Wisconsin-Milwaukee. He was selected for Who’s Who in Business Higher Education Dr Dubofsky has published over 40 articles in journals including Journal of Finance, Journal of Financial and Quantitative Analysis and Journal of Money, Credit and Banking. He is the author of Derivatives: Valuation and Risk Management (co-authored with Tom Miller), and Options and Financial Futures: Valuation and Uses. Prior to retiring in 2020, Dr Dubofsky held faculty and administrative positions at TCU Neeley School of Business, the University of Louisville, Texas A&M University, Virginia Commonwealth University and Seattle University. Previously, he was a visiting academic scholar for the Office of Economic Analysis at the U.S. Securities and Exchange Commission and worked for Nalco Chemical Company and Standard Oil of Indiana. He earned his PhD in Finance from the University of Washington, MBA from the University of Houston, and BE in Chemical Engineering from City College of New York. He is a CFA® charterholder. In this episode Lyle, David and I delve into their specialist area of the intersection of money, emotions and behaviours. We discuss their brilliant book Your Total Wealth as well as covering of the very important topic of information vs wisdom and how in an always on, information rich world, the application of true wisdom can make a big impact on your retirement journey.   Useful Links Visit Lyle & David’s website Your Total Wealth Buy their wonderful book Your Total Wealth: The Heart & Soul of Financial Literacy Subscribe to the Humans vs Retirement podcast on Apple Podcasts, and Spotify Download for free my 7 Step Retirement Toolkit Subscribe to my fortnightly newsletter Stay The Course Connect With David LinkedIn Connect With Lyle LinkedIn Connect With Me TFP Financial Planning LinkedIn X / Twitter Book in a chat if you want a second opinion about your retirement planning. Email at dan@tfp-fp.com Find out more at www.humansvsretirement.com  

Summary Frances Taylor is known as “The Sleep Fixer” and is a wellbeing expert supporting business leaders, managers and teams to build personal and organisational resilience. Frances says that “sleep is the Cinderella of Good Health. People knew about diet and exercise but take sleep for granted – until that is, they wake up to the fact that they aren’t getting enough”. She has distilled all her experience and learning to create powerful science-backed programmes that show people how to sleep well, work well and live well. Frances is a Trustee and Fellow of the International Stress Management Association (UK) with specific responsibility for establishing new professional standards. I also established a regional network for businesses and individuals working in the field. Frances is trained in CBTi, (Cognitive Behavioural Therapy for Insomnia) which is now the clinically researched front line treatment for both the UK and US. In this episode Frances and I explore the often-overlooked subject of sleep and its impact on retirement and later life well-being. Frances shares valuable insights on the importance of good quality sleep as well as practical tips and strategies on improving your sleep quality and how to spot the signs that will affect your sleep. Useful Links France’s website France’s free sleep diagnostic test Subscribe to the Humans vs Retirement podcast on Apple Podcasts, and Spotify Download for free my 7 Step Retirement Toolkit Subscribe to my fortnightly newsletter Stay The Course Connect With Frances LinkedIn Connect With Me TFP Financial Planning LinkedIn X / Twitter Book in a chat if you want a second opinion about your retirement planning. Email at dan@tfp-fp.com

Summary Author, international thought leader, and life-planning pioneer George Kinder has been at the forefront of the financial services industry for more than 35 years, spearheading a movement to put the lives that clients desire to live at the centre of their financial plans. Through books, workshops, and speaking engagements, George has trained thousands of professionals globally in the field of financial life planning. After 30 years as a practicing financial planner and tax adviser, he founded the Kinder Institute of Life Planning in 2003. His three books on money, The Seven Stages of Money Maturity (1999), Lighting the Torch (2006), and Life Planning for You (2014), are considered foundational and essential works in the field of financial life planning, for both professionals and consumers. George's many accomplishments include: Financial Planning Association’s first Heart of Financial Planning Award in 2006, recognizing “individuals who demonstrate commitment and passion in doing extraordinary work to contribute or give back to the financial planning community and/or the public.” The Transparency Task Force’s Transparency Trophy (2017), recognizing his role in “helping to navigate the industry towards a more transparent, competitive and enlightened state.“ “One of 20 People Who Shaped the Financial Planning Industry” (“50th Anniversary of Financial Planning” Special Edition, InvestmentNews, 2019). George has appeared on many radio and television programs, and his expertise has been featured in FP Today, The Financial Times, Forbes, InvestmentNews, The Journal of Financial Planning, New Model Adviser, The New York Times, Time Magazine, and The Wall Street Journal. In this episode George and I discuss the true impact of Life Planning on retirement. He shares the 3 questions that when answered change everything as well as his famous EVOKE process for building a Life Plan. Some of the other amazing topics covered are Life planning empowers financial freedom. Retirement is a new beginning. Retirement should be redefined. Importance of building a vision. Understand clients before financial planning. Reflect on your life's purpose. Embrace the present moment fully. Freedom is personal and unique.  Retirement is an incredible opportunity. Useful Links Buy George’s brilliant books The Seven Stages of Money Maturity, Lighting the Torch, Life Planning for You and A Golden Civilisation Visit George’s website Subscribe to the Humans vs Retirement podcast on Apple Podcasts, and Spotify Download for free my 7 Step Retirement Toolkit Subscribe to my fortnightly newsletter Stay The Course Connect With George LinkedIn X / Twitter Connect With Me TFP Financial Planning LinkedIn X / Twitter Book in a chat if you want a second opinion about your retirement planning. Email at dan@tfp-fp.com www.humansvsretirement.com 

Summary Ross Marino is the founder of Transitus Wealth Partners and the founder & CEO of Advisor 2X which organises and hosts global leading human first financial conferences such as SHIFT. He is a passionate advocate for Human-First Financial Guidance and author of the brilliant book Shaping Change: How To Respond When Life Disrupts Your Retirement Plan. He is a Certified Financial Transitionist and a key member of the Sudden Money Institute. In this episode Ross and I discuss the importance of flexibility, adaptability, and resilience in retirement and reveal how these qualities are crucial because our decisions are shaped by our experiences and learning, making them rational to us. We talk through why Ross believes that being open to change and adapting to new circumstances is key to navigating retirement successfully. Furthermore, Ross and I discuss the freedom and agency that retirement brings, emphasising that after decades of constraints on resources like time, energy, and money, retirement allows individuals to make their own choices. Whether it's continuing to work, pursuing hobbies, or spending time with family, retirees have the ability to determine how they want to spend their time and resources. This newfound freedom is seen as exciting and empowering. Useful Links Ross’s book Shaping Change: How To Respond When Life Disrupts Your Retirement Plan Subscribe to the Humans vs Retirement podcast on Apple Podcasts, and Spotify Download for free my 7 Step Retirement Toolkit Subscribe to my fortnightly newsletter Stay The Course Connect With Ross LinkedIn X / Twitter Connect With Me TFP Financial Planning LinkedIn X / Twitter Book in a chat if you want a second opinion about your retirement planning. Email at dan@tfp-fp.com www.humansvsretirement.com  

Summary Hal Hershfield is a Professor of Marketing, Behavioural Decision Making, and Psychology at UCLA’s Anderson School of Management and holds the UCLA Anderson Board of Advisors Term Chair in Management. He is also the author of the recently released best-selling book Your Future Self: How to Make Tomorrow Better Today His research, which sits at the intersection of psychology and economics, examines the ways we can improve our long-term decisions. He earned his PhD in psychology from Stanford University. Hershfield publishes in top academic journals and contributes op-eds to the New York Times, Harvard Business Review, the Wall Street Journal, and other outlets. He consults with the Consumer Financial Protection Bureau, many financial services firms such as Fidelity, First Republic, Prudential, Morgan Stanley, Merrill Lynch, and Avantis. The recipient of numerous teaching awards, Hershfield was named one of “The 40 Most Outstanding B-School Profs Under 40 In the World” by business education website Poets & Quants. In this episode Hal and I discuss the challenges that individuals face when it comes to retirement and how our present selves often anchor us and distort our decisions about the future. We also delve into the importance of seeing our future selves and how it can impact our happiness and well-being and our conversation touches on the dangers of procrastination and the need to prioritize experiences and make intentional choices in retirement. Useful Links Buy Hal’s brilliant book Your Future Self: How to Make Tomorrow Better Today Visit Hal’s website Subscribe to the Humans vs Retirement podcast on Apple Podcasts, and Spotify Download for free my 7 Step Retirement Toolkit Subscribe to my fortnightly newsletter Stay The Course Connect With Hal LinkedIn X / Twitter Connect With Me TFP Financial Planning LinkedIn X / Twitter Book in a chat if you want a second opinion about your retirement planning. Email at dan@tfp-fp.com Find out more at www.humansvsretirement.com