The Humans vs Retirement Podcast

Summary Al Lyman discusses the importance of health and quality of life in retirement. He emphasizes the difference between lifespan and healthspan, highlighting the need to focus on the quality of years rather than just the number of years lived. Al shares personal anecdotes about his mother's health struggles and the impact it had on her and her family. He provides practical steps for boosting energy and health in retirement, including focusing on real food, reducing sugar intake, and incorporating exercise. Al also addresses the importance of strength training, maintaining muscle mass, and the enjoyment and achievement that come with taking control of one's health in retirement. The conversation explores the importance of health in retirement and the second half of life. Al emphasises the need to prioritize health over material possessions and accumulate wealth for the purpose of enjoying time and experiences. Al also shares his personal experiences and aspirations for his own second half, highlighting the importance of living a healthy lifestyle and creating meaningful memories with loved ones. Takeaways Material possessions lose their importance in the face of ill health. It is crucial to prioritize health in the 30-45 age group to prevent future difficulties. Accumulating wealth should be for the purpose of enjoying time and experience Living stronger in the second half of life involves taking control of one's health and creating meaningful memories. Chapters 00:00 Introduction and Excitement for the Conversation 01:12 The Importance of Health in Retirement 03:03 The Difference Between Lifespan and Healthspan 07:42 The Quality of Years and Avoiding Chronic Disease 14:12 Practical Steps to Boost Energy and Health in Retirement 22:46 Being Intentional and Overcoming Fear in Retirement 36:30 The Importance of Strength Training and Muscle Mass 45:19 Enjoyment, Consistency, and the Truth in Aging 49:25 Material Possessions and Ill Health 51:10 The Importance of Health in the 30-45 Age Group 52:11 The Point of Accumulating Wealth 52:54 The Value of Health 53:35 Al Lyman's Second Half 57:16 Living Stronger in the Second Half 58:41 The Importance of Health in Retirement Episode Links & Resources Age Well & Feel Great by Al Lyman Al's Website The Age Optimizer Newsletter Pursuit Athletic Performance WealthGPS – Lifestyle Financial Planning by TFP Download My FREE Retirement Toolkit Subscribe to my Super Sunday Retirement Roundup Newsletter

Summary In this episode, Sonya Lutter discusses the intersection of financial wellbeing and mental health in retirement. She emphasises the importance of addressing money scripts and financial behaviours, as well as aligning spending with values in retirement. Sonia also explores the challenges that arise in marriage and relationships during retirement and highlights the significance of purpose in leading a happy and fulfilling retirement. Additionally, she discusses the value of working with a financial advisor in achieving financial satisfaction and relationship satisfaction in retirement. In this episode, Dan and Sonia discuss the key to happiness in retirement and the impact of financial planning on people's lives. They also explore Sonia's work and resources for individuals and couples preparing for retirement. The conversation concludes with a reflection on the importance of love in retirement planning. Takeaways Financial planning can lead to greater happiness and freedom in retirement. Sonia offers online courses, books, and research papers to help individuals and couples prepare for retirement Love should be prioritized over money when planning for retirement. Chapters 00:00 Introduction and Background 03:00 The Intersection of Financial Wellbeing and Mental Health 08:21 The Emotive Nature of Money 11:02 Money Scripts and Financial Behaviours 14:55 The Importance of Addressing Money Scripts in Retirement 19:06 The Challenge of Spending Money in Retirement 21:35 Aligning Spending and Values in Retirement 27:04 Navigating Changes in Marriage and Relationships in Retirement 30:47 Mental Health Challenges in Retirement 34:47 The Importance of Purpose in Retirement 38:55 The Value of Working with a Financial Advisor 47:01 The Key to Happiness 48:03 Sonia's Work and Resources 49:21 Love Comes First Episode Links & Resources Love & Money by Sonya Lutter www.sonyalutter.com www.enlite.world The Analog Advisor Podcast WealthGPS – Lifestyle Financial Planning by TFP Download My FREE Retirement Toolkit Subscribe to my Super Sunday Retirement Roundup Newsletter

Summary Lee Robertson, a former financial planner and co-founder of Octo Members, shares insights on the challenges and changes in retirement over the years. He emphasises the importance of planning for retirement, not just financially but also in terms of filling one's day and pursuing passions. Lee discusses the shift from traditional final salary (DB) pensions to defined contribution plans and the need for individuals to navigate retirement on their own. He encourages people to focus on creating memory dividends and living a fulfilled retirement. Lee also shares his personal journey of stepping away from a successful financial planning business to pursue his passion in setting up Octo Members. In this conversation, Lee discusses the importance of sleep and mental wellbeing in retirement. He shares his personal struggles with sleep and how it affected his transition from owning a financial planning business to starting a new start-up. Lee also recommends resources, such as Daniel Huberman's series and the Humans vs Retirement podcast, for people heading into retirement. Takeaways Retirement is a life transition that requires planning and preparation, both financially and in terms of filling one's day with meaningful activities. The challenges in retirement include concerns about financial security, finding purpose and identity, and adapting to a new lifestyle. Retirement has changed over the years, with the shift from traditional pensions to defined contribution plans and the need for individuals to take more responsibility for their retirement savings. Creating memory dividends and pursuing passions are important aspects of a fulfilling retirement. Following passion and purpose can lead to a more satisfying retirement, even if it means stepping away from a successful career or business. Chapters 00:00 Introduction and Background 03:11 Challenges in Transitioning to Retirement 07:05 The Changing Landscape of Retirement 13:11 Retirement Challenges Over the Years 19:23 The Importance of Planning and Creating Memory Dividends 23:49 The Modern-Day Retirement 29:24 Stepping Away from a Successful Business 37:32 Following Passion and Purpose 45:30 Doing More of What You Love in Retirement 45:55 Recommended Resources 46:24 Sleep and Mental Wellbeing 47:22 Resources for Retirement 48:23 Closing Remarks Episode Links & Resources Huberman Lab Podcast WealthGPS – Lifestyle Financial Planning by TFP Download My FREE Retirement Toolkit www.humansvsretirement.com

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