The Humans vs Retirement Podcast (Dan Haylett)
Explore every episode of The Humans vs Retirement Podcast
| Pub. Date | Title | Duration | |
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| 24 Nov 2023 | Reflecting On Season 2: What it Means To Be a Retirement Rebel with Me Dan Haylett | 00:13:04 | |
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... Here is to a very Merry Christmas and a Happy New Year... see you in 2024! | |||
| 19 Aug 2024 | A License To Spend Money In Retirement with Michael Finke | 00:57:02 | |
Summary Today’s conversation is with retirement investing, income planning and life satisfaction expert, Michael Finke Michael is a professor of wealth management and Frank M. Engle Distinguished Chair in Economic Security at The American College of Financial Services. He received a doctorate in consumer economics from the Ohio State University in 1998 and in finance from the University of Missouri in 2011. He leads the O. Alfred Granum Center for Financial Security at the American College and is a research fellow at the Retirement Income Institute, and a member of the Defined Contribution Institutional Investment Association Academic Advisory Council. He is an internationally known researcher in the areas of retirement income planning, retirement spending, life satisfaction, and cognitive aging. He is a frequent speaker at financial planning conferences and was named one of the 25 most influential people in the field of investment advising in 2020 and 2021 by Investment Advisor Magazine. In this conversation, Michael and I discuss the importance of mindset and positivity in retirement planning. We explore the correlation between health and financial behaviours among retirees and the role of positivity in driving savings and spending behaviour. We also discuss the benefits of annuities as a way to ensure a guaranteed income in retirement and how the psychological impact of spending from income versus spending from assets is often a licence to spend for many retirees. The conversation emphasizes the need to align money with values and goals to maximize happiness in retirement. Takeaways
Sound Bites "What is wealth? Wealth is a store of future spending. It is a store of future happiness." "The goal is lifestyle. That's why you save the money in the first place. Let's design a structure so that you can have the lifestyle that you want to live." "Recognize that you had a choice and your choice was: Do I want to spend the money that I've saved that I've sacrificed to be able to build or am I going to be happier passing it on to someone else?" "How we view retirement and how positive we are about our years going forward is going to shape the way we want to spend our money." "People who think that life is going to be more pleasurable in their 80s are more motivated to ensure that they still have income in their 80s." "Annuities give you the ability to spend more every year and never feel bad about it." Chapters 00:00 Introduction and Background Links | |||
| 16 Jan 2025 | The Rich Life Mindset with Susan Latremoille | 00:53:21 | |
Summary In this episode of The Humans vs Retirement Podcast is get to chat with Susan Latremoille Susan is a certified Retirement Coach (CPRC) and the author of The RichLife – Managing Wealth and Purpose, It’s Not Just about the Money – The Whole Life Approach to Wealth Management, and co-author – Thriving Throughout Your Retirement Transition. Susan spent over 35 years as a wealth advisor assisting clients to financially plan for their retirement. She saw a common thread among her clients. Having enough money to retire was only a piece of the retirement puzzle. It was the non-financial side that had the greatest impact on the predictability of a successful retirement. That’s when Susan decided to launch next chapter lifestyle advisers, a retirement lifestyle consulting business that helps individuals and families create a retirement lifestyle plan In our conversation Susan discusses her transition from a financial advisor to focusing on the non-financial aspects of retirement planning through her company, Next Chapter Lifestyle Advisors. She shares insights on the importance of understanding your life journeys and the concept of a 'rich life' that encompasses living well, giving back, and leaving a legacy. Susan introduces the idea of a happiness portfolio, which includes eight non-financial areas of life that contribute to a fulfilling retirement. Our conversation emphasizes the need for a holistic approach to retirement planning that goes beyond numbers to include personal fulfillment and purpose. Susan and I discuss the multifaceted aspects of retirement, emphasizing the importance of leisure, the dynamics of relationships, and the necessity of planning for a fulfilling next chapter in life. We explore the challenges retirees face in managing their time, setting boundaries, and maintaining social connections, while also advocating for a shift in perspective from traditional retirement to a more vibrant and purposeful next chapter. Key Takeaways
Sound Bites "Live well, give back, leave a legacy." Chapters 00:00 - Introduction to Next Chapter Lifestyle Advisors Links | |||
| 29 Mar 2024 | Navigating Money and Relationships in Retirement with Ed Coambs | 00:56:48 | |
Summary In this episode, Ed Coambs, a financial planner, and therapist, discusses the challenges couples face in managing money and planning for retirement. He shares his personal journey from being a firefighter to becoming a financial planner and therapist. Ed emphasizes the importance of understanding one's own relationship with money and how it impacts relationships. He introduces the concept of financial intimacy and explains how it can help couples navigate the complexities of retirement planning. Ed also highlights the role of attachment theory in understanding couples' dynamics around money. In this conversation, Ed and I discuss the challenges couples face when transitioning from work to retirement and how financial therapy can help. He emphasises the importance of creating a safe space for vulnerability and open communication. He also explores the influence of childhood experiences on money management and the challenge of spending money in retirement. Our conversation highlights the need for balance in money management and the role of financial therapy in helping couples live a happy and fulfilling retirement. Takeaways
Chapters 00:00 Introduction and Background 06:15 The Journey to Financial Therapy 10:35 The Healthy Love and Money Way 23:34 The Importance of Financial Intimacy 28:00 The Struggle to Transition from Work to Retirement 32:38 Creating a Safe Space for Vulnerability 35:12 The Influence of Childhood Experiences on Money 38:18 The Challenge of Spending Money in Retirement 44:07 The Importance of Balance in Money Management 51:08 The Role of Financial Therapy in Retirement Episode Links & Resources
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| 04 May 2024 | Ep 8 of 10 - Yes & No Are The 2 Most Powerful Words In Retirement | 00:07:47 | |
| 17 Nov 2023 | 6 weeks into his retirement! An inspirational real retirement story with Neil Jones | 00:48:19 | |
Summary In this episode of the Humans vs Retirement podcast, I’m so fortunate to be able to have a conversation with my wonderful and newly retired client, Neil Jones. Neil graciously shares his first-hand experiences and challenges in planning his retirement as well as his career story and how he began to think seriously about what life after work would look like. We discuss how important planning and preparation was for Neil, as well as the emotional and psychological adjustments that he has had to make and continues to work through. This episode provides a first-hand perspective on the realities of life after work and offers valuable insights for anyone approaching retirement. Useful Links 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 Me Book in a chat if you want a second opinion about your retirement planning. Email at dan@tfp-fp.com | |||
| 02 Jul 2024 | The Overlooked Risk of Regret in Retirement with David Blanchett | 00:56:40 | |
Summary David is Managing Director, Portfolio Manager, and Head of Retirement Research for PGIM DC Solutions. In this role, he develops solutions to help improve retirement outcomes for investors with a specific focus on defined contribution plans. Prior to joining PGIM he was the Head of Retirement Research for Morningstar Investment Management LLC and before that the Director of Consulting and Investment Research for the Retirement Plan Consulting Group at Unified Trust Company. In this episode David and I discuss retirement planning and income generation. He emphasizes the importance of understanding the cost of retirement and the need to start planning early. Retirement is a complex and individualized process, and the traditional concept of retirement is evolving, David suggests using the term 'financial independence' instead. He also challenges the 4% rule for retirement withdrawals, suggesting that a personalized approach is necessary because flexibility in retirement income planning is crucial, as it allows for adjustments in spending based on changing circumstances. He also talks about why holding cash can provide both economic and behavioural benefits in retirement portfolios. Other highlights of our conversation are where we discuss the need for advisors and coaches in retirement planning, the importance of understanding and addressing regret risk, the value of spending money on experiences and giving during retirement, the impact of longevity risk on retirement confidence, the benefits of guaranteed lifetime income in retirement planning and Davids famous Retirement smile concept. Takeaways
Sound Bites "Retirement is the most expensive purchase most people will ever make." "Retirement is radically changing for everyone, what it means to retire, what it means to keep working, how long you're gonna live, what your activity level is gonna be." "The 4% rule will lead people into a retirement of underspending and regret." "We are not the person that's receiving the advice or coaching, right?" "If we create one of those [retirement plans] that's got a hundred percent success rate, i.e. we're telling you that you're never going to run out of money. That to me is a hundred percent failure on living a fulfilled second half of life." "It's just really, really hard to spend down this pool of assets when you don't know how long you're gonna live, you know what the markets are gonna do and you don't wanna go back to work." Chapters 00:00 Introduction and Background of David Blanchett | |||
| 06 Oct 2023 | How to Light Your Retirement Torch with The Father of Life Planning, George Kinder | 00:53:56 | |
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
Useful Links
Connect With George Connect With Me
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| 30 Jul 2024 | How to experience TRUE WEALTH in retirement with Ken Honda | 00:48:59 | |
Summary Money and happiness expert Ken Honda is a bestselling self-development author in Japan, with book sales surpassing eight million copies since 2001. His first English language book, “Happy Money: The Japanese Art of Making Peace With Your Money” (June 2019, Simon & Schuster), is an international bestseller. His new novel is “True Wealth – 9 Lessons From a Grandfather on Happiness and Abundance” (May 14, 2024, Hay House). Learn more at KenHonda.com. In this episode Ken Honda discusses the concept of true wealth, which goes beyond material abundance and includes intangible assets such as trust, bonding, love, and friendship. He emphasizes the importance of creating precious memories and highlights the need to redefine wealth as we approach retirement. Ken also explores the power of intuition in decision-making and shares three steps to tap into our intuition. He discusses coping with anxieties and fears around money and retirement, suggesting that facing fear head-on can lead to personal growth and new opportunities. Ken encourages listeners to find their Ikigai, their life purpose, and to make choices that align with their passions and values. He also emphasizes the importance of cultivating a positive relationship with money and using it as a tool to bring joy and happiness in retirement. Takeaways
Sound Bites "True wealth is something that you cannot see. It's invisible assets like trust, bonding, love, and friendship." "There's always some kind of guiding force to just take us to something very important." "If you can face your fear, you will be less afraid of taking more steps, taking more risks." Chapters 00:00 Introduction and the Concept of True Wealth | |||
| 12 Jun 2023 | How to not fade away but thrive in retirement with Celia Dodd | 00:51:53 | |
Summary In this episode of the Humans vs Retirement podcast, I get to have a great conversation with journalist and author Celia Dodd about her book "Not Fade Away: How to Thrive in Retirement". The conversation focuses on the emotional challenges of retirement and offers practical examples of real people who have gone through retirement that Celia spent time with when writing the book. Celia shares her expertise and research on the retirement, offering insight and advice for those looking to live a happy, healthy, and wealthy retirement. I encourage everyone to check out Celia’s book with a link to buy it in the show notes. What You’ll Learn The listener will learn about
About My Guest Celia Dodd is the author of a ground-breaking book about retirement, Not Fade Away, which was serialised in the Daily Mail and the Daily Express. She acts as a consultant on retirement courses, and last year created a retirement preparation toolkit for Hampshire Police Force. Celia appears regularly on radio (including Woman’s Hour) to talk about retirement and other issues that affect the over-50s. Her other books include The Empty Nest: Your changing family, your new direction and All Grown Up, which is about relationships with adult children. As well as writing books she is a feature-writer for national newspapers and magazines, including The Times, The Independent and Radio Times. Find out more via www.humansvsretirement.com
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| 06 May 2024 | Ep 10 of 10 - How To Live A Rapturous Retirement | 00:08:47 | |
| 12 Apr 2024 | Humans Vs Retirement is 1 Year Old - Thank You! | 00:04:11 | |
| 28 Apr 2024 | Ep 2 of 10 - Looking at The Harvard 85 Year Study To Determine What makes A Happy Retirement | 00:07:55 | |
| 29 Nov 2024 | How to Retire with Christine Benz | 01:01:12 | |
Summary In this episode, I'm thrilled to welcome back to the show Christine Benz as we delve into her best selling book How to Retire: 20 Lessons For a Happy, Succesful, And Wealthy Retirement. When Christine was a guest on the podcast in ep 36 back in March of this year, her book had not yet been released but we did get a sneak peek into what she had in store for us. Now, having got my hands on a copy and seeing how successful the book has become I wanted to get Christine back on the show to talk about my 5 favourite chapters or lessons from the book. So, stay tuned as we discuss
Throughout our conversation Christine and I explore the multifaceted aspects of retirement, focusing on the importance of mindful spending, the balance of time, money, and health, effective cash flow strategies, and the significance of purpose in life. We discuss how individuals can align their spending with their values, the psychological benefits of structured cash flow, and the necessity of reflecting on life to avoid regrets. Key Takeaways
Sound Bites "This is a really special life stage." Chapters 00:00 - Introduction to Retirement Planning Links
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| 22 Sep 2023 | Exploring the Power of ‘Your Future Self’ in Retirement with Hal Hershfield | 00:55:44 | |
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 Connect With Me 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
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| 13 Oct 2023 | Sleeping Your Way to a Vibrant Retirement: The Science & Strategies for Optimal Sleep with Frances Taylor | 00:57:06 | |
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
Connect With Frances Connect With Me
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| 29 Apr 2024 | Ep 3 of 10 - The Human Quirk of Relative & Absolute Outcomes | 00:09:18 | |
| 15 Sep 2023 | Preventing Cognitive Decline: Practical Tips for a Sharp and Healthy Brain in Retirement with Dr Moira Somers | 00:57:23 | |
Summary Dr Moira Somers is the founder of Money, Mind and Meaning, a renowned psychologist, neuroscientist, and family wealth consultant that specialises in the psychology of money. She is a faculty member at the Ultra High Net Worth Institute and at the Sudden Money Institute and leads the Financial Psychology Special Interest Group for the American Psychological Association. In this episode Moria and I discuss a number of key challenges when it comes navigating the complexities of life after work and in particular i tap into Moira’s neuroscience background to talk about cognitive decline and how we can think about keeping our brain sharp and healthy throughout retirement Useful Links
Connect With Moira Connect With Me
Find out more by visiting www.humansvsretirement.com
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| 26 Jan 2024 | The Importance of Addressing Your "Money Scripts" in Retirement with Sonya Lutter | 00:52:33 | |
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
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
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| 08 May 2023 | Dispelling the myths around spending your money in retirement with Abraham Okusanya | 00:43:11 | |
Summary In this episode of the Human vs Retirement podcast, Dan interviews author and fintech founder Abraham Okusanya. Abraham is the founder and CEO of Timeline, a technology platform designed to help retirees invest and spend with confidence, and author of Beyond the 4% Rule. Dan and Abraham discuss the obstacle of spending money with freedom in retirement, and how retirees are on the whole far too conservative when it comes to spending their savings, particually during their best years. What You'll Learn The listener will learn about retirement planning, including overcoming behavioural, emotional, and financial challenges. The episode covers topics such as the importance of not being too conservative with spending, the cautionary nature of human beings, the myth of U-shaped spending, the fear of unmanageable care costs, giving during one's lifetime, aligning money and time with values, and the role of human financial advisors. The episode also discusses the 4% rule for retirement spending, improvements to the rule, and a more dynamic approach to retirement spending. About My Guest Abraham is the founder and CEO of Timeline, a financial technology company on a mission to help millions of people face retirement with confidence. The company currently manages over £2bn in client assets. He is the author of ‘Beyond the 4% Rule: the science of retirement portfolios that last a lifetime’ and has delivered talks to the Financial Conduct Authority (FCA), Personal Finance Society (PFS), The Association of British Insurers (ABI), Chartered Institute for Securities & Investment (CISI) and conferences in around the world. He holds a master’s degree from Coventry University and an alphabet soup of designations, including the Investment Management Certificate (IMC), Certified Financial Planning, Chartered Financial Planner and Chartered Wealth Manager. Find out more: www.humansvsretirement.com | |||
| 15 May 2023 | How to fund your contentment in retirement with Brian Portnoy | 00:47:26 | |
Summary In this episode of the Human vs Retirement podcast, Dan interviews author and behavioural finance expert Brian Portnoy. Brian is an expert in simplifying the complex world of money, and they delve into his book "The Geometry of Wealth." Throughout the episode, Brian shares insights from his years of experience coaching and mentoring people on financial wellness, offering tips and wisdom on how to overcome the behavioural, emotional, and financial challenges of retirement and specifically delves into his contentment framework of the 4 C’s. What You’ll Learn The listener will learn about retirement planning, including the challenges of retirement, the importance of finding purpose beyond financial stability, and the four sources of contentment in life. The episode also discusses the relationship between money, work, contentment, and happiness, as well as the role of adaptation in retirement planning. Brian emphasises the need to question whose script you are living and to be an editor of one's own life narrative. The episode includes recommendations for resources and tools for retirement planning. About My Guest Brian Portnoy is the founder of Shaping Wealth, a financial wellness platform that engages with individuals and organisations to make better money decisions. In his two highly acclaimed books in the field of behavioural finance, The Investor’s Paradox and The Geometry of Wealth, he tackles the challenges of making better financial decisions and figuring out how money fits into a joyful life. He has served as keynote speaker, seminar leader, and coach to thousands of investors on topics ranging from portfolio strategy to the connection between money and happiness. Brian has worked in the hedge fund and mutual fund industries for more than two decades. He is a CFA Charterholder, earned his doctorate at the University of Chicago, and serves on the advisory board for the Alliance for Decision Education. He lives in Chicago with his wife and three children. Find out more by going to www.humansvsretirement.com
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| 14 Feb 2025 | The Scarcity Trap: How to Shift to a Prosperity Mindset in Retirement with Leisa Peterson | 01:00:23 | |
Today I welcome Leisa Peterson to the show, Leisa is the author of The Mindful Millionaire in which she writes brilliantly about overcoming scarcity, experiencing true prosperity and creating the life you really want. Leisa is on a mission to help 1,000,000 people elevate their financial consciousness by realizing their true value and creating greater financial security for themselves. As a money coach, business consultant and spiritual teacher, Leisa host’s the Mindful Millionaire podcast as well as virtual workshops and transformative retreats. Her masterful blend of sound financial strategy and mindfulness training helps people break free of patterns of lack, scarcity and money fears, allowing them to finally lead the rewarding, fulfilling, and abundant lives they most desire. Leisa has appeared in The Wall Street Journal, Forbes and The Huffington Post to name a few and has been featured on many podcasts and radio shows. In this great conversation Leisa and I explore the intricate relationship between money, mindset, and personal values. Leisa shares her journey from a life of scarcity to becoming a mindful millionaire, emphasizing the importance of understanding one's emotional connection to money. We discuss how past experiences shape financial behaviours, the significance of cultivating a prosperity mindset, and the role of mindfulness in overcoming financial fears. We explore the importance of slowing down to make better financial decisions, aligning spending with personal values, and confronting financial realities. There is also some great nuggets of wisdom as we talk about the normalization of financial fears, the impact of past money stories, and the process of rewriting financial narratives. And make sure you listen in as Leisa introduces her, I Prosper process, which integrates mindfulness and emotional wellbeing into financial planning, ultimately leading to a reinvention of life and relationships. Key Takeaways
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Related Media:
Humans vs Retirement
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| 26 Apr 2024 | Welcome to my daily 10 episode retirement mini series! | 00:03:23 | |
| 17 Apr 2023 | Happiness, Fulfilment & Contentment in Retirement with Neil Bage | 00:45:24 | |
In this episode of the Humans vs Retirement podcast, Dan is joined by Neil Bage, co-founder of Shaping Wealth, to discuss the subconscious behaviours that drive decision making in retirement. As a renowned expert in bridging scientific theory with real world understanding, Neil offers valuable insights into understanding and overcoming behavioural and emotional challenges of retirement. Together, Dan and Neil examine the intersection of the behavioural, emotional, and financial challenges that retirees often face and offer practical advice for achieving a happy, healthy, and wealthy retirement.
More about us: www.humansvsretirement.co.uk | |||
| 15 Mar 2024 | How to Live a Regret Free Retirement with Christine Benz | 00:57:13 | |
Summary Christine is director of personal finance and retirement planning for Morningstar, Inc. In that role, she focuses on retirement and portfolio planning for individual investors. She also co-hosts a podcast for Morningstar, The Long View, which features in-depth interviews with thought leaders in investing and personal finance. and I was honoured to be asked to be a guest on last year (link in the show notes). She is a prolific writer and her published Morningstar articles are must reads for anyone interested in retirement planning. In this episode, Christine and I cover a lot of ground! We discuss various aspects of retirement planning, including blind spots, sequence risk, inflation, the bucketing approach to income management, the importance of continuing to work, and lessons for a happy and successful retirement. Christine emphasizes the need to consider both financial and non-financial aspects of retirement and to make choices that align with personal happiness and purpose and also highlights the value of working with a financial planner to navigate the complexities of retirement planning. Takeaways
Chapters 00:00 Introduction and Background 07:15 The Blind Spots of Retirement 13:38 Mitigating Sequence Risk and Inflation 17:47 Bucketing Approach to Retirement Income 25:26 The Importance of Continuing to Work in Retirement 35:37 Lessons for a Happy, Successful, and Wealthy Retirement 38:20 Spending to Optimize Happiness 40:26 Living Life with No Regrets 48:15 The Value of Working with a Financial Planner 10:32 Common Retirement Planning Mistakes 23:45 The Role of Financial Advisors in Retirement Planning 34:56 The Impact of Behavioral Biases on Retirement Planning 43:21 The Value of Seeking Outside Help 51:09 Blind Spots and the Importance of Outside Perspective Episode Links & Resources
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| 19 Jun 2023 | Retirement is a flawed concept with Carl Richards | 00:53:05 | |
Summary In this episode I get to have a brilliant conversation with bestselling author, New York Times columnist and founder of The Behaviour Gap Carl Richards. Carl is internationally renowned for his ability to explain complex financial concepts in an easy-to-understand manner through his sketches and books. We discuss the importance of real financial planning, and the challenges people face in retirement. Carl shares his insights and experiences on how to overcome the behavioural, emotional, and financial challenges of life after work. This episode provides valuable advice and inspiration for anyone navigating retirement planning. What You’ll Learn
About My Guest Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, which appeared weekly for a decade in The New York Times. | |||
| 31 May 2024 | Empowering Women To Take Control of Their Retirement with Stephanie McCullough | 00:58:20 | |
About Stephanie Stephanie founded Sofia Financial in 2011 after 14 years as a financial advisor, with the goal to empower women to make wise financial decisions and reduce their money stress. In her early years she encountered too many women who found finances and investing so intimidating that they either outsourced money decisions to a man in their lives (sometimes with disastrous consequences), or relied on “professionals” who too often focused more on their own paycheck than providing true education and guidance. Financial planning plays into Stephanie’s love of hearing people’s stories, and understanding and explaining complex topics clearly. She is passionate about helping more women find and succeed on this career path. Summary Stephanie McCullough, founder of Sophia Financial and host of the Take Back Retirement podcast, discusses the challenges women face when planning for retirement. She shares her journey of entering the financial industry and focusing on helping women with their retirement planning. Stephanie emphasizes the importance of empowering women to take control of their finances and make informed decisions. She highlights the unique challenges women face in retirement, such as the dominance of the male spouse in financial decisions and the need for women to take the reins after divorce or the death of a spouse. Stephanie encourages open conversations and non-judgmental support to help women navigate these challenges and create a fulfilling retirement. In this conversation, Stephanie and I discuss the challenges women face in the financial planning industry and how they can take control of their retirement. We explore the dominance of men in financial meetings, the importance of meaningful money conversations, and the need for both spouses to be involved in financial planning. They also discuss the impact of social connections on retirement happiness and how women can build and maintain strong social networks. The conversation concludes with advice for women to pay attention to their feelings around money and find a money buddy to share and learn together. Takeaways
Sound Bites "There's got to be a way to have a more meaningful conversation with women." Chapters 00:00 Introduction and Stephanie's Journey Links
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| 01 May 2024 | Ep 5 of 10 - Going From A Savings Habit To A Spending Mindset | 00:09:41 | |
| 22 Oct 2024 | How to Build a Legacy to Die For with Dr Kimberly Harms | 00:55:27 | |
About Kimberly Dr. Harms helps people understand the importance of showing their love for their families by setting them up for success through comprehensive legacy planning. Dr. Harms has witnessed death up close many times throughout her life. She suffered the loss of her mother and her son to suicide and, eventually, her husband from a broken heart. These events shaped her views on finding meaning in grief, and she set out on a mission to end the stigma around end-of-life planning. As a fourth-quarter coach and international speaker specializing in grief, conflict resolution, and legacy planning, she helps people put an emotional life insurance plan in place so that their loved ones are left in an emotionally healthy space after they are gone. Her book Are You Ready? How to Build a Legacy to Die For discusses how to build a legacy that lives on after your death. It was a #1 bestseller on Amazon and Barnes & Noble and named the most inspirational book of 2024 by the Pacific Book Awards. Summary In this episode of the Humans vs Retirement podcast, Dr. Kimberly Harms shares her profound journey through grief, loss, and the quest for purpose in the later stages of life. At 68, Kimberly reflects on her experiences, including the tragic loss of her Mum, son and husband, and how these events shaped her understanding of legacy and the importance of living fully. She emphasises the need for purpose in retirement, the significance of building quality relationships, and the power of love letters as a means to connect with family beyond death. Kimberly's insights encourage you to confront your mortality, embrace your life stories, and create meaningful legacies that transcend material wealth. Throughout our conversation, Kimberly and I explore the significance of building a legacy that resonates with love and connection. We discuss the importance of appointing trusted individuals to carry out one's wishes, navigating difficult conversations about death, and the emotional benefits of downsizing. Kimberly shares her personal experiences with grief and the importance of maintaining relationships, culminating in her concept of a 'Grateful But Not Yet Dead Tour' where she expresses appreciation to those who have impacted her life. Key Takeaways
Sound Bites "I realized that I am in the fourth quarter of my life" Chapters 00:00 - Introduction to Dr. Kimberly Harms Links Kimberly's book Are You Ready? How to Build a Legacy to Die For
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| 22 Mar 2024 | The Money Sandwich: Balancing Adult Children, Aging Parents, and Retirement with Marc Bineham | 01:00:39 | |
Summary Have you ever herd of ‘the sandwich generation’? Are you part of it? And if so, what challenges does it bring to your retirement? Well. In this episode I get to have a conversation with a guy that has literally wrote the book on the subject! Mark Bineham is one of Australia’s top keynote speakers on retirement and the award-winning author of 'The Money Sandwich”. Mark’s goal has always been to help people live their very best life through positive mindset, promoting well-being and simply achieving financial freedom that much sooner, because in his words “we all deserve that, don’t we?. In 2019, a turning point occurred in his life when he underwent open-heart surgery. Prompting a re-evaluation of his 30-year career as a financial advisor, including four years as the national president of the Association of Financial Advisers. While he always loved helping his own clients reach their goals and aspirations, he realised most people just couldn’t afford help or advice, and that had to change. That’s when he decided to pour all the knowledge he gained over his career into a book, which he proudly titled The Money Sandwich and subsequently setting up a family business with his Daughter Katherine by the same name which enables him to take this message out to the wider world through presentations, workshops and courses. In this thought-provoking conversation Mark and I discuss the challenges faced by the sandwich generation, who are responsible for supporting both their adult children and aging parents. Mark emphasizes the importance of having conversations about retirement and estate planning with your elderly parents and adult children. He also introduces the concept of the 'third act' as a more positive and fulfilling way to approach retirement and highlights the need for mindset shifts and an understanding of the emotional aspects of money in order to achieve happiness in retirement. Our conversation explores changing attitudes towards work and retirement, the negative connotations of money, the impact of financial stress on productivity and health, the importance of talking about money, the value that financial planning professionals add at this stage of life, and what financial freedom looks and feels like. Takeaways
Chapters 00:00 Introduction and Background 05:25 Unleashing Your Third Act 08:34 The Money Sandwich and the Sandwich Generation 14:30 Challenges of Supporting Adult Children 22:35 Challenges of Supporting Aging Parents 29:24 Reframing Retirement as the Third Act 38:44 Money Shifts for Happiness 45:31 Changing Attitudes Towards Work and Retirement 47:00 The Negative Connotations of Money 48:31 Financial Stress and its Impact on Productivity and Health 49:30 The Importance of Talking About Money 50:52 The Need for Financial Planning Professionals 53:51 What Financial Freedom Looks Like Episode Links & Resources
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| 08 Jan 2025 | Finding Purpose in Retirement with Jordan Grumet | 00:56:41 | |
Summary I had the privilege to sit down with Jordan Grumet, author of the brilliant new book The Purpose Code and host of The Earn & Invest Podcast. In this conversation, Jordan shares his journey from being a physician to discovering the importance of purpose in life, particularly in retirement. He discusses the paradox of purpose, the difference between Big P and Little P Purpose, and how societal expectations can lead to anxiety around finding purpose. Jordan emphasises the need to create and build purpose rather than simply searching for it, and highlights the importance of community and connections in achieving fulfillment and happiness. Jordan and I explore the concepts of purpose, identity, and the flawed notion of retirement. We discuss how individuals often strive for external validation through accomplishments, but true fulfillment comes from understanding one's identity and engaging in meaningful activities. Our discussion emphasises the importance of time over money, the impact of little-p purpose in life, and the common regrets people have at the end of their lives. Ultimately, Jordan encourages you to focus on the journey of life rather than the destination, and to seek out what truly lights you up. Key Takeaways
Sound Bites "We need to put purpose first." Chapters 00:00 -Introduction to Purpose and Identity Links
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| 29 May 2023 | Retirement should not be viewed as the third and final phase of life with Dr Thomas Mather | 00:59:51 | |
Summary In this episode of the Humans vs Retirement podcast, I have a great conversation with Dr Thomas Mather, Head of the Centre for Behavioural Research for Aegon UK, about the emotional and behavioural challenges retirees face. Tom shares his expertise and research into the specifics around connecting and empathising with your future self and how we must challenge the narrative that retirement is the natural last phase of life. Dan & Tom discuss the importance of research in understanding these challenges and strategies to help individuals live a happy, healthy & wealthy retirement. What You’ll Learn The listener will learn about:
About My Guest Tom heads up the Centre for Behavioural Research, at Aegon UK, a small team of behavioural scientists and psychologists who work in the space where Behavioural Finance and Financial Wellbeing meet. He has a PhD in Social Anthropology from Berlin and later completed further training in Behavioural Economics at LSE. He lives in Edinburgh with my wife and 6-year-old twins (who’re non identical twins and hence useless for experimental purposes). Find out more at www.humansvsretirement.com
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| 10 Nov 2023 | Bold Not Old: Embrace Your Entrepreneur Spirit in Retirement with Wallis Pattisonn | 00:55:14 | |
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 Connect With Me Book in a chat if you want a second opinion about your retirement planning. Email at dan@tfp-fp.com | |||
| 07 Mar 2025 | Behaving Your Way to a Better Retirement with Greg Davies | 01:04:33 | |
This is episode 75! And I’m thrilled to introduce my guest today. He is a true pioneer in the field of behavioural finance, Dr. Greg Davies. Greg is the Head of Behavioural Finance at Oxford Risk and has spent his career shaping how we understand investor psychology, financial decision-making, and the emotional complexities that come with managing money—especially in retirement. In this episode, we’ll explore the behavioural traps that retirees often fall into, how to build financial resilience, and why understanding your own psychology is just as important as having a well-structured portfolio. Throughout our conversation, Greg and I explore the multifaceted aspects of retirement planning, emphasizing the importance of guaranteed income and its psychological benefits. We discuss how behavioural finance plays a crucial role in spending habits during retirement, the impact of inflation on purchasing power, and the distinction between risk and volatility in investment strategies. We also touch on future trends in retirement planning, particularly the potential need for and benefits of health insurance and a shift in focus from bequest to spending during retirement. Key Takeaways
Chapters 00:00 - Introduction to Greg Davis and His Journey Books & Authours Mentioned
Research & Papers Referenced
Other Things to Note
Humans vs Retirement
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| 23 Feb 2024 | The Power of Giving: How Retirees Can Help Combat Climate Change with Jack Chellman | 00:55:05 | |
Summary In this episode of The Humans vs Retirement Podcast, I sit down with Jack Chellman, Chief Project Officer of the Global Returns Project a UK charity that is on a mission to create systemic change to fund the highest impact climate charities and make giving toward climate change as easy and accessible as possible. Jack and I discuss how charitable giving could and maybe should form part of every retirement plan. Jack also dispels many myths about giving and explains how the Global Returns Project makes charitable giving easy and transparent by selecting high-impact climate charities and providing rigorous monitoring and reporting. The portfolio of charities includes organizations that protect rainforests, enforce environmental law, conserve marine life, and restore forests. Jack emphasizes the need for increased philanthropy towards climate mitigation efforts and highlights the role of the Global Returns Project in making sustainable giving mainstream. He also discusses the integration of the project into financial planning and the options for donating. We explore the impact of climate change, individual actions to combat it, and the role of governments and corporations in addressing the issue. Our conversation highlights the importance of taking meaningful action to combat climate change and emphasizes the potential for positive change if everyone contributes. Takeaways
Chapters 00:00 Introduction to the Global Returns Project 03:21 Charitable Giving as Part of a Retirement Plan 09:36 Dispelling Myths about Charitable Giving 12:59 Making Charitable Giving Part of Asset Allocation 18:49 The Importance of Transparency and Impact Reporting 23:20 The Limitations of Sustainable Investing 26:45 The Portfolio of Charities and Their Impact 32:34 The Mechanics and Methodology of the Global Returns Project 40:02 Integrating the Global Returns Project into Financial Planning 49:05 How to Donate and Get Involved 05:00 Understanding Climate Change 15:00 The Impact of Climate Change 25:00 Individual Actions to Combat Climate Change 35:00 Investing in Sustainable Solutions 45:00 The Role of Governments and Corporations 51:12 Taking Meaningful Action Episode Links & Resources
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| 01 Apr 2025 | The Four Phases of Retirement with Dr. Riley Moynes | 00:52:58 | |
SummaryIn this powerful and insightful episode, I sit down with Dr. Riley Moynes, author, speaker, and creator of the viral TED Talk on "The Four Phases of Retirement," which has amassed nearly 5 million views. Together, we unpack why retirement is far more of a human problem than a financial one, and why so many retirees struggle despite having "enough" money. Riley shares the emotional, psychological, and personal transitions that retirees face and offers an actionable framework to help listeners navigate their post-work lives more meaningfully. What You Will Learn
Key Topics Discussed
Books and Resources Mentioned
A Takeaway ExerciseYour Unique Ability Reflection Dr. Moynes recommends this simple but powerful exercise:
This introspection can help you transition into the most meaningful phase of retirement. A Final ThoughtRetirement is not a finish line, it’s a transition into one of the most complex and potentially fulfilling stages of life. But it requires intentionality, emotional awareness, and often hard inner work. As Dr. Moynes reminds us, it’s not about endless vacations or financial spreadsheets; it’s about redefining purpose, reconnecting with joy, and ultimately serving something bigger than yourself. Retirement is a human challenge, not a maths problem. The sooner you embrace that, the smoother and more fulfilling your transition will be. Humans vs Retirement
📩 Enjoyed the episode? Leave a review and let us know your biggest takeaway! | |||
| 01 May 2023 | The Psychology Behind Spending Money in Retirement with Dr Joy Lere | 00:47:13 | |
Summary In this episode of the Human vs Retirement podcast, Dan explores the psychology behind spending money in retirement with licensed clinical psychologist and co-founder of Shaping Wealth, Dr. Joy Leary. Joy shares her journey from the clinical couch to the world of money and provides valuable insights on how our mindset affects our spending habits during retirement. Together, they discuss the behavioural and emotional challenges of life after work and draw on years of expertise and experience to offer practical and thoughtful solutions. Tune in for an insightful conversation on the psychological impacts of spending money in retirement. What You'll Learn
More about us: www.humansvsretirement.com
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| 27 Sep 2024 | 4% and Beyond! The Evolution of Safe Withdrawal Strategies with Bill Bengen | 00:43:06 | |
Summary In this episode of the Humans vs Retirement podcast, I interview Bill Bengen, the pioneer of the 4% safe withdrawal strategy, who shares insights from his extensive research on retirement income strategies. Bill discusses the evolution of the 4% safe withdrawal rate, revealing that the worst-case scenario may now be closer to 5%. He emphasises the importance of diversification, glider path investing, and rebalancing in enhancing withdrawal rates. The conversation also delves into the risks of inflation and the significance of understanding personal inflation rates in retirement planning. Bill concludes with thoughts on the current market environment and the future of retirement planning. Takeaways
Sound Bites "The 4% rule has evolved to a 5% worst case." Chapters 00:00 - Introduction to Bill Bengen and His Research | |||
| 27 Apr 2024 | Ep 1 of 10 - Embracing Uncertainty | 00:07:57 | |
| 27 Oct 2023 | Be a Retirement Rebel and Live Your Victory Lap Retirement with Mike Drak | 00:57:02 | |
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
Connect With Mike Connect With Me
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| 05 Jun 2023 | Navigating the Changing Relationship with Your Spouse in Retirement with Ashley Quamme | 00:46:02 | |
Summary In this episode of the Humans vs Retirement podcast, I get to have a great conversation with licensed marriage and family therapist and financial behavioural specialist, Ashley Quamme, about the challenges of communicating effectively with your spouse during retirement. We discuss how the changing relationship dynamic can affect retirement planning and offer tips for maintaining a healthy relationship during this new phase of life. Ashley also gives a brief rundown of her career and how she transitioned from marriage and family therapy to financial behavioural specialist. What You’ll Learn The listener will learn about:
About My Guest Ashley Quamme is a licensed marriage and family therapist, financial behavioural specialist with extensive experience in couples relational work and founder of BAM Financial Consulting As well as being a couple’s therapist, Ashley is married to a Financial Planner! Which means she gets to hear a lot about money, money management practices, and financial planning. Ashley believes the root of many financial issues are emotions, biases, problematic thinking patterns, and beliefs. If left unchecked, these modes for operating can wreak havoc on our lives. Taking what she knows about emotions, thoughts, behaviours, and relationships in the clinical space and applying them in the financial sector is the work that she has come to be passionate about. Find out more at www.humansvsretirement.com
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| 24 Apr 2023 | How our money can make us truly ‘wealthy’ in retirement with Dr Daniel Crosby | 00:45:41 | |
Summary
More about us: www.humansvsretirement.com | |||
| 05 May 2024 | Ep 9 of 10 - The 4 Key Factors To Happiness In Retirement | 00:07:31 | |
| 17 May 2024 | Creatively Designing a Life that Aligns with Personal Values with Derek Hagen | 01:06:16 | |
Summary Derek Hagen is the founder of Money Health Solutions®️, a financial therapy and life planning firm. Money Health Solutions helps clients live intentionally and mindfully, using money as a tool to support their ideal life. He facilitates financial health by helping clients understand their own money psychology, lowering financial stress, and increasing confidence in financial decisions. Derek also started Meaningful Money Memo, a newsletter about the psychology of money and living a meaningful life, using personal stories and simple drawings to help demystify money for readers. He shares his journey from being a Chartered Financial Analyst and a focus on numbers to then having the big realisation that money is a tool not a goal which lead to focusing on the interior side of money and helping people find purpose and significance. In this conversation, we discuss the importance of mindset and intention when it comes to retirement planning. Derek emphasizes the need to have a purpose and a value statement to guide financial decisions and prioritize experiences over accumulating wealth. We also discuss the significance of time and the finite nature of life, encouraging people to be present and intentional in their retirement years. Importantly Derek highlights the importance of creativity and designing a life that aligns with personal values and priorities. Takeaways
Sound Bites "Money is a tool, not a goal." Chapters 00:00 Introduction and Background Links
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| 01 Sep 2023 | Exploring Retirement Income Styles and Strategies with Wade Pfau | 00:51:26 | |
Summary Wade Pfau is the founder of Retirement Researcher and Professor of Retirement Income at the American College of Financial Services. He is one of the world's leading experts on retirement income strategies and actively researches and publishes his findings in prestigious journals and media outlets in the United States. He is also a published researcher and author. With his extensive knowledge and expertise in retirement income, Wade has established himself as a trusted authority in the field. His work and contributions have greatly influenced the understanding and implementation of retirement income strategies, making him a highly respected figure in the financial services industry. In this episode Wade and I focus on retirement income styles and the different strategies individuals can use to generate income and manage their finances in retirement. Wade emphasises the importance of finding an approach that aligns with a person's individual preferences and comfort levels. Our conversation also touches on topics such as spending patterns and optimal withdrawal rates for retirement income. Useful Links Wade’s books Retirement Planning Guidebook, Safety-First Retirement Planning & How Much Can I Spend in Retirement 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 Wade Connect With Me Book in a chat if you want a second opinion about your retirement planning Email at dan@tfp-fp.com
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| 25 Mar 2025 | The Ikigai Way: How to Uncover Your Purpose with David Marlow | 00:59:50 | |
Episode SummaryIn this inspiring and heartfelt episode, I sit down with David Marlow, veteran leader, coach, and author of The Ikigai Way to explore how the ancient Japanese concept of Ikigai can powerfully guide us into a more fulfilling and purposeful retirement. From personal stories of career transitions to uncovering identity after work, David shares how aligning our inner essence with what we do can transform our experience of aging, retirement, and meaning in life. What You’ll Learn
Key Topics Discussed
Books & Resources Mentioned
Memorable Quotes
Takeaway ExerciseAsk yourself two powerful questions:
Use your answers to start mapping out the threads of your own Ikigai. Connect with David MarlowFinal ThoughtWhether you’re five years away from retirement or already navigating the transition, this episode reminds us that purpose doesn’t end when work does. With small steps and deep reflection, you can uncover a life of fulfillment, alignment, and joy—your Ikigai. Humans vs Retirement
📩 Enjoyed the episode? Leave a review and let us know your biggest takeaway!
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| 20 Oct 2023 | The Yin and Yang of Retirement: Balancing Financial Security with Personal Fulfilment with Lyle Sussman and David Dubofsky | 01:08:21 | |
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 Connect With Lyle Connect With Me 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
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| 01 Mar 2024 | Embracing a "Second Childhood" in Retirement with Jonathan Clements | 00:57:08 | |
Summary Jonathan Clements is the founder and editor of Humble Dollar and brilliant free blog site that is dedicated to providing articles, guides and resources from some of the greatest thinkers in the world of finance. The goal of Humble Dollar is to tell you everything you need to know about money – all in one place without the hype and hollow promises that characterises so much financial writing. Jonathan was born and educated in England before moving to the states and prior to semi-retiring and launching humble dollar in 2014, Jonathan spent almost 20 years as The Wall Street Journal’s personal finance columnist and six years at Citi group where he was director of financial education for the banks US wealth management arm. He is also the author of 9 personal finance books. In this episode, Jonathan and I discusses the challenges and risks in retirement, both from a financial and human standpoint. He focuses on the need to have sense of purpose and identity in retirement, which he believes can be overcome by continuing to work in some fashion. Jonathan also explores the concept of embracing a second childhood, allowing for childlike curiosity and exploration. He emphasises the importance of experimenting in early retirement to discover what truly makes one happy. Jonathan also discusses his work with Humble Dollar and the ventures that provide him with a sense of purpose. Takeaways
Chapters 00:00 Introduction and Background 04:05 Financial Challenges and Risks in Retirement 11:02 Investing in Retirement 21:28 The Importance of Working in Retirement 28:36 Generating Income in Retirement 38:02 The Importance of Identity and Purpose in Retirement 45:45 Avoiding Comparisons in Retirement 48:12 Embracing a Second Childhood in Retirement 48:30 Transitioning to Retirement 49:23 Experimenting in Early Retirement 50:35 Finding Fulfilment in Retirement 52:03 Humble Dollar and Jonathan's Work 53:16 Closing Remarks Episode Links & Resources
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| 22 Nov 2024 | The Soul of Wealth with Dr Daniel Crosby | 00:57:22 | |
Summary In this episode, Dr Daniel Crosby returns to discuss his new book The Soul of Wealth and the concept of soulful wealth, particularly in the context of retirement. He emphasises that money should serve individuals rather than control them, and highlights the importance of relationships and personal growth in achieving happiness. Our conversation explores the PERMA model, which outlines five facets of flourishing: Positive experiences, Engagement, Relationships, Meaning, and Advancement. Daniel stresses the need for intentionality in retirement planning, focusing on non-financial elements that contribute to a fulfilling life. He also discusses the limitations of money and the critical role of time management in enhancing well-being. Throughout our enlightening conversation, Daniel and I explore the intricate relationship between money, happiness, and retirement. We discuss the increasing screen time among retirees, the role of AI in daily life, and how spending money can align with personal values to enhance joy. Our discussion delves into the societal pressures of materialism, the fear of the unknown in retirement, and strategies for managing uncertainty. Ultimately, Daniel emphasises the importance of making conscious financial choices that reflect one's true values and the potential for positive surprises in the future. Key Takeaways
Sound Bites "Money is a servant and not a master." Chapters 00:00 - Introduction and Welcome Back Links
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| 03 Mar 2023 | Premiere Episode - Introducing The Humans vs Retirement Podcast! | 00:01:44 | |
When it comes to retirement, many waste precious time by letting their emotions and behaviours overtake their dreams and desires. As humans we are not wired for all that comes with a modern retirement and are in a battle to ensure their life after work gives them freedom and joy. Each episode of The Humans vs Retirement Podcast contains expert opinions and real retirement stories that look at the emotional, behavioural and financial challenges of life after work, which will give you tools and tips to live a happy, healthy and wealthy retirement. | |||
| 15 Nov 2024 | How Our Nervous Systems Impacts Our Retirement with Sheridan Ruth | 00:55:32 | |
Summary In this episode of the Humans vs Retirement podcast, Sheridan shares her inspirational journey through trauma and healing, emphasising the importance of understanding the nervous system's role in our experiences. Our conversation explores the challenges of modern retirement, likening it to a form of grief, and highlights the need for intentional preparation for this significant life transition. Sheridan and I explore the emotional and psychological aspects of navigating challenges, particularly in the context of retirement and personal growth. We discuss the importance of understanding emotional responses, the necessity of lifelong learning, and the skills required to manage sensations and emotions effectively. She emphasises the significance of spending money wisely to create lasting memories, the barriers individuals face in changing their spending habits, and the differences in emotional expression between genders. The conversation concludes with actionable insights for listeners to reflect on their own narratives regarding money and life transitions. Key Takeaways
Sound Bites "Sheridan's story is truly inspirational." Chapters 00:00 - Introduction and Background Links | |||
| 18 Aug 2023 | How To Rock Retirement with Roger Whitney | 00:55:40 | |
Summary Roger is a renowned retirement podcaster, blogger, educator, and planner. With over 8 million downloads and 475 episodes of The Retirement Answer Man show under his belt, and his brilliant community-based Rock Retirement Club he has truly made a mark in the retirement space. We delved into the emotional and behavioural challenges of retirement, discussing how we, as humans, are simply not wired to take on this new phase of life without some battle scars. One of the key topics we explored was the "paycheck anxiety" that many individuals face when transitioning into retirement. The loss of that safety blanket, the feeling of security that comes with a regular paycheck, can be daunting. Roger shared some valuable insights and observations on how to navigate this challenge and find peace of mind in your retirement journey. Useful Links Thinking in Bets by Annie Duke The Power of Agency by Paul Napper & Anthony Rao Winning The Losers Game by Charles Ellis The Top 5 Regrets of The Dying by Bronnie Ware 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
The Retirement Answer Man Podcast
Book in a chat if you want a second opinion about your retirement planning Email at dan@tfp-fp.com | |||
| 12 Jul 2024 | Repurposing Your Life in Retirement with Suzanne Campi | 00:52:11 | |
Summary Suzi is a certified co-active coach and has made it her mission to understand the process of personal and professional transitions and the challenges that come with them. She is passionate about working with clients to help see them through and make a pathway for the life the want to experience In our conversation Suzi encourages people planning for or already living in retirement to step back and reflect on who they are and what they truly enjoy, as well as the significance of having a positive attitude and choosing to thrive in retirement. We discuss the differences between men and women in retirement, particularly in terms of social connections and expectations, whilst also exploring why communication and setting expectations are crucial for couples transitioning into retirement. In Suzi’s opinion retirement is a multifaceted life transition that requires deep introspection and consideration of various aspects of life. Her retirement wheel is a tool that helps individuals visualize and address different areas of their life, including spiritual well-being, family and friends, partnership and love, health and fitness, and fun play and travel (a free download of this is available in the show notes). And finally, Suzi talks about why she believes it is important to approach retirement with curiosity and a sense of wonder, remaining open to new experiences and learning opportunities and how Retirement should not be seen as the finish line, but rather as a new beginning that requires ongoing adaptation and planning. Takeaways
Sound Bites "I love helping people to repurpose." "Retirement is an outdated concept." "Retirement is a chance to repurpose what life means." "It's a retirement wheel that can help people visualize all the pieces, because it's not just a financial piece as we have so declared here." "How are you in your spiritual peace and will you give yourself time for that peace?" "Retirement will evolve greatly. You can't pretend it's not going to." Chapters 00:00 Introduction and Background | |||
| 14 Jun 2024 | How to find happiness and flourish in your retirement with Dr Andy Cope | 00:46:46 | |
Summary Today’s conversation is with the Dr of Happiness, Dr Andy Cope. Andy is a wellbeing expert, best-selling author and in his words a recovering academic. He specialises in positive psychology and the science of human flourishing. The reward for grinding out his Loughborough PhD is that he gets to call himself a Dr of Happiness. If you put the cheesy title to one side, Andy believes there has never been a more important time to focus on mental health and wellbeing. He has been described as a ‘wellbeing revolutionary’ and his mission is to change the narrative and re-focus psychology away from what’s wrong with people to what’s right. His messages act as a gentle nudge towards people taking charge of their own mental health. Andy’s books are frequently on the best-sellers list. ‘The Art of Being Brilliant’, ‘Shine’, and ‘Zest’ have all topped the personal development charts. ‘The Little Book of Emotional Intelligence’ and Leadership: Multiplier Effect’ are riding high in the business charts and ‘Happiness Route Map’ was nominated as The Independent’s best self-help book of the year. Andy also moonlights as a children’s author. His ‘Spy Dog’ series has sold in excess of a million copies worldwide. In this conversation Andy and I discusses the importance of focusing on wellbeing and happiness, especially during retirement. He explains that traditional psychology has primarily focused on fixing mental health issues rather than promoting wellness. Andy emphasises the need to shift the focus to happiness and flourishing, and shares insights from positive psychology. He highlights the significance of living in the present moment and finding contentment in simple experiences and positive relationships. Andy also challenges the notion of retirement as a destination for happiness and encourages individuals to prioritize their wellbeing throughout their lives. Andy emphasises the need to focus on mental wealth and living one's best life. Andy shares his journey of accidentally stumbling upon the science of living a happier life and the intentional strategies that happy people employ. They also discuss the power of reframing internal and learned beliefs and the challenge of unlearning bad habits. He highlights the importance of saying yes to growth and new experiences, as well as saying no to things that don't bring joy. They also touch on the significance of quality relationships, being present, and the negative impact of social media on happiness. Takeaways
Sound Bites "There are people out there with a smile on their face and a spring in their step." "Positive psychology is about equipping people with the knowledge and skills to take care of their own mental health and wellbeing." "The happiest moments in life are often simple experiences with loved ones." "They don't talk about wellbeing in a way that they should absolutely talk about wellbeing." "Living your best life and being your best self wasn't a thing." "The biggest barrier to me feeling amazing was actually me." Chapters 00:00 Introduction and Andy's Journey to Becoming the Doctor of Happiness Links Let's talk about your retirement!
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| 30 Apr 2024 | Ep 4 of 10 - How The Japanese Concept of Kanreki Can Teach Us Valuable Retirement Lessons | 00:13:17 | |
| 09 Feb 2024 | An Evidence-Based and Academic Approach to Retirement Planning with David Jones | 01:17:27 | |
Summary In this episode, I get to sit down with David Jones from Dimensional about evidence-based investing and retirement planning. We discuss the challenges of the retirement transition, the importance of social connections, and the role of financial planning in retirement. We also explore the fear of spending money in retirement and the benefits of intergenerational wealth. Our conversation concludes with a discussion on the Japanese concepts of Kanreki and Ikigai in retirement and the secret of evidence-based investing. Takeaways
Chapters 00:00 Introduction and Background 04:35 Dimensional's Evidence-Based Approach 07:43 The Lack of Academic Research in Investing 10:03 The Challenges of Retirement Transition 13:18 The Challenges of Retirement 16:21 The Importance of Social Connections in Retirement 18:01 The Role of Financial Planning in Retirement 19:37 Investing in Retirement with Evidence and Academic Research 28:55 Understanding Risk in Retirement 36:44 Overcoming the Fear of Spending in Retirement 43:28 The Importance of Financial Planning in Retirement 46:17 The Challenges of Spending Money in Retirement 48:30 Using Monopoly to Understand Intergenerational Wealth 55:16 Japanese Concepts of Kanreki and Ikigai in Retirement 01:06:37 The Secret of Evidence-Based Investing Episode Links & Resources
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| 24 May 2024 | Rewiring The Way We Think About Retirement with Jamie Hopkins | 01:06:02 | |
Summary Jamie was a professor at The American College and Director of the New York Life Center for Retirement Income. He is a well-recognized writer, speaker and thought leader in the area of retirement income planning. His most recent book, “Rewirement: Rewiring The Way You Think About Retirement,” details the behavioral finance issues that hold people back from a more financially secure retirement. Jamie’s impact on retirement planning has been well recognized as he has been named as both a top 40 financial services professional under the age of 40 by InvestmentNews and a top 40 young attorney under the age of 40 by The American Bar Association. In this episode Jamie and I discuss the need to rewire the way we think about retirement and challenge the assumptions underlying retirement planning. He emphasizes the importance of adapting spending habits in retirement and the need to minimize regret risk. Jamie also highlights the concept of self-insuring in retirement and the tendency to hold onto money due to fear of unknown future events. He suggests adopting a guardrails approach to spending and focusing on adaptive spending rather than a binary view of success or failure in retirement. They highlight the need for a more realistic approach to retirement income planning that takes into account the trajectory of spending and the magnitude of failure. They also emphasize the importance of financial literacy and education in retirement planning, as well as the potential benefits of equity release strategies. Takeaways
Sound Bites "People need to rewire the way they think about retirement." "The biggest challenge is that everybody thinks retirement is the same phase in life, and we treat it the same." "Self-insuring is holding onto money for unknown future events, which limits spending in retirement." "That's a 50% chance that you're going to underspend crucially." "Why do we talk about anything as success and failure? Because it's actually only partial failure anyway." "There is a framework of flexibility in retirement spending." Chapters 00:00 Introduction and Warm Welcome Links Jamie's Book - Rewirement: Rewiring The Way You Think About Retirement! | |||
| 22 May 2023 | The four anchors of retirement well-being with Pauline Johnson-Zielonka | 00:44:19 | |
Summary In this episode of the Humans vs Retirement podcast, Dan is joined by author, workplace psychologist and founder of Retirement Life Plan, Pauline Johnson-Zielonka, to discuss our brain's battle with retirement. Polly, who has a PhD in human and organisational systems and a background in industrial psychology, shares her knowledge and approach to understanding retirement by drawing from positive psychology, social psychology, and industrial psychology. Together, Dan and Polly explore ways to help listeners overcome the behavioural, emotional, and financial challenges of life after work. What You’ll Learn The listener will learn about the challenges of retirement and how to prepare for them, including social and psychological adjustments, finding new avenues for fulfilling experiences, and building strong social networks outside of work. The episode emphasises the importance of individualised retirement planning and the need to consider personal priorities and circumstances. The guest, Pauline Johnson-Zielonka, shares her knowledge and wisdom on the topic based on her background in psychology and research. The episode also recommends a book on retirement and suggests seeking out retirement couples therapy or counselling to create a shared vision for retirement. About My Guest Polly Johnson-Zielonka is the author of the book Retirement Life Plan and a highly qualified guest on the Humans vs Retirement podcast. She holds a PhD in human and organizational systems and has a background in industrial psychology. Polly's book is full of thoughtful research, relatable case studies, and actionable reflective questions, making it a valuable resource for those considering retirement. She emphasises the importance of individuality and personal values when planning for retirement, as well as considering the needs of any partners or relationships. Polly currently resides in Orange County, California. Find out more by going to www.humansvsretirement.com | |||
| 02 May 2024 | Ep 6 of 10 - How Are You Going To Spend Your Time In Retirement? | 00:09:02 | |
| 03 May 2024 | Ep 7 of 10 - Give Money With A Warm Heart Not A Cold Hand! | 00:08:37 | |
| 08 Mar 2024 | How Much Money Do You Need For The Rest Of Your Life with Paul Armson | 01:00:19 | |
Summary Paul is the founder of Inspiring Advisers, a lifestyle financial planning training programme and Life Centred Planners, a fast-growing global community of advisers from around the world who believe that it is time to put the client and not their money at the centre of their plans. Paul is also the author of the brilliant book Enough?: How much money do you need for the rest of your life. A book that we give out to for free and has had such an impact on many of our clients. In this episode, Paul and I talk about his wake-up call, when his mother passed away suddenly, leading him to realize that life is not a rehearsal. He shifted his focus to lifestyle financial planning, putting life at the centre of financial plans. Paul emphasizes the importance of understanding how much is enough and helping clients live a great life now. He also discusses the three types of people when it comes to retirement planning: not enough, got too much, and just right. Paul discusses the importance of redefining retirement as financial independence and freedom ant that true financial independence means having the choice to work or start a business because you want to, not because you have to. Paul encourages everyone to pursue new opportunities and passions during this retirement with the idea of leaving behind memories and experiences, rather than just money. Takeaways
Chapters 00:00 Introduction and Impact of the Book 01:27 Paul's Journey and Frustration with the Financial Services Industry 04:22 The Wake-Up Call: Paul's Mom's Death 06:45 Realizing Life is Not a Rehearsal 09:05 The Concept of Time and Aging 11:27 The Shift to Lifestyle Financial Planning 13:48 The Book 'Enough' and Putting Life at the Center of Financial Plans 19:33 Retirement and Understanding the Concept of Time 21:51 The Three Types of People: Not Enough, Got Too Much, Just Right 47:28 Financial Independence and Freedom 48:23 Redefining Work and Purpose 49:13 Exploring New Opportunities in Retirement 50:08 Leaving Memories and Experiences, Not Just Money 51:30 Crafting a Lifestyle Financial Planning Message 53:02 Understanding What You Want and Don't Want 54:29 Maintaining Your Current Lifestyle 55:00 Planning for Your Future 55:30 Spreading the Message of Financial Planning Episode Links & Resources | |||
| 31 Jan 2025 | Lessons & Insights From a REAL Retirement Journey with Julian Hince | 01:03:04 | |
Summary Welcome to a very special episode 72 of The Humans vs Retirement Podcast… Why is it special I hear you say… Well, its special because it’s a real retirement story and journey as I have a conversation with my wonderful client Julian Hince. Whilst I love bringing expert opinions to you I think nothing hits home and resonates more than a real story of someone who has been through and is living through his own retirement journey. As a bit of background to our conversation, Julian recently retired after a long career in financial services. He shares his journey towards retirement, discussing the emotional challenges he faced, the importance of seeking help, and the misconceptions surrounding how much is enough. He emphasizes the need to have open honest and vulnerable conversations about money and the emotional aspects of retirement planning, highlighting that retirement is not just about finances but also about finding purpose and identity in this new phase of life. Julian shares inspirational insights and experiences on his journey to retirement, emphasizing the importance of financial advice, emotional preparation, and the joy of spending time with family. He discusses the transformative freedom retirement brings, the significance for him of giving back to the community, and the need for having accountability in managing his retirement finances. Julian also highlights his changing spending patterns in retirement, noting a natural decline his expenses as he becomes more vigilant about his spending. Throughout our conversation he offers first hand valuable advice for those considering retirement, stressing the importance of commitment and professional guidance. Key Takeaways
Chapters 00:00 - Introduction to Julian's Retirement Journey Links
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| 05 Apr 2024 | Don't Retire... Graduate! with Eric Brotman | 01:00:20 | |
Summary Eric is the founder and CEO of BFG Financial Advisors a large financial planning business in Baltimore, USA that specialises in retirement planning. As well a writing his book Eric hosts a podcast by the same name and id a regular contributor to forbes.com and Sunday morning TV in Baltimore In this conversation Eric and I discuss the concept of retirement as a graduation and the need to redefine retirement as an opportunity for growth and exploration. Eric highlights the significance of having an abundance mindset and being open to reinventing oneself in retirement. Eric shares the three secrets to the happiest retirees: being debt-free, taking care of your health, and having a sense of purpose. Takeaways
Chapters 00:00 Introduction and Background Episode Links & Resource
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| 25 Jan 2025 | How to Make Better Choices in Retirement with Richard Shotton | 01:02:06 | |
Summary In this episode I get to chat with author and behavioural scientist, Richard Shotton. Richard specialises in how humans make choices and has written 2 excellent books on this subject, the choice factory and the illusion of choice. He further specialises on applying findings from psychology and behavioural science to how businesses market their services and why consumers buy stuff In this episode, Richard discusses the intersection of behavioural science and marketing, particularly in the context of how people make spending decisions in retirement. He shares insights from his research and experiences, highlighting the importance of fairness, social proof, and the emotional aspects of financial choices. Our discussion also emphasizes the benefits of spending on experiences and others, as well as the challenges individuals face in transitioning from saving to spending during retirement. Richard and I explore the complexities of retirement planning, focusing on behavioural economics and the psychological factors that influence spending habits. We discuss the importance of making financial decisions easier, and the impact of loss aversion on retirees' spending behaviours. We also delve into the paradox of choice and how an abundance of options can lead to decision paralysis. Key Takeaways
Chapters 00:00 - Introduction to Behavioral Science in Marketing Links | |||
| 02 Feb 2024 | Age Well and Feel Great: Optimise Your Age and Live Strong in Your Second Half with Al Lyman | 01:03:14 | |
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
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 | |||
| 16 Feb 2024 | How To Have An Epic Retirement with Bec Wilson | 01:10:11 | |
Summary In this episode, I get to have a great conversation with Bec Wilson, author of 'How to Have an Epic Retirement,' to discuss the key themes and pillars of retirement planning. Bec shares her journey into the retirement space and the inspiration behind her book. We discuss the importance of understanding lifespan and healthspan, as well as the financial confidence needed for retirement. Bec emphasizes the need for proactive health management and the role of exercise and diet in healthy aging. The conversation highlights the interconnectedness of time, money, and health in creating an epic retirement. We have a great discussion about the 5 pillars of retirement: time, money, health, happiness, and your home as you age. We delve into the importance of happiness and fulfilment in retirement, emphasising the need for social interaction and meaningful activities. Finally, Bec introduces the five big stages of retirement: pre-euphoria, adjustment, euphoria, post-euphoria, and frailty. Takeaways
Chapters 00:00 Introduction and Background 03:00 The Six Pillars of Retirement 24:36 Time: Understanding Lifespan and Healthspan 32:48 Money: Financial Confidence and Planning 39:04 Health: Taking Care of Your Body and Mind 43:32 Pillar 4: Happiness and Fulfillment 47:41 Pillar 5: Your Home as You Age 57:15 The Five Big Stages of Retirement Episode Links & Resources
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| 08 Nov 2024 | Beyond Your Career with Victoria Barker | 00:56:38 | |
Summary In this episode of the Humans vs Retirement podcast, I get to have a great conversation with Victoria Barker, co-founder of Beyond Your Career. Beyond Your Career is a programme led by a skilled team of expert coaches, psychologists and neuropsychologists to help ensure a smooth psychological transition from a demanding career, which includes workshops and insights from world-class experts and a supportive community of peers navigating the same transition. We discuss the challenges of transitioning from demanding careers to retirement, the importance of early planning, and the psychological aspects of identity and purpose. Victoria shares her journey of co-founding Beyond Your Career, driven by her observations of the struggles faced by individuals, particularly men, during this transition. Our conversation emphasises the need for community support, understanding one's identity beyond work, and the significance of preparing for retirement well in advance. Victoria and I explore the themes of career transitions, rediscovering passions, and the importance of values in shaping one's purpose. We discuss the courage required to pursue new paths, the common tendency to follow societal expectations, and the significance of introspection in finding fulfillment. Our discussion also highlights the impact of the book 'The Why Cafe' on understanding purpose and the necessity of values as a foundation for personal growth and decision-making. Key Takeaways
Chapters 00:00 Introduction to Beyond Your Career Links
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| 19 Jan 2024 | The Power of Building Social Networks in Retirement with Lee Robertson | 00:52:18 | |
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
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 | |||
| 08 Sep 2023 | Embracing Triumph, Transition, and Transformation For a Vibrant Retirement with Dr. Preston Cherry | 00:53:56 | |
Summary & About Guest Dr. Preston Cherry is the Founder & President of Concurrent Financial Planning, Head of the Financial Planning Program, and Director of the Charles Schwab Centre for Personal Financial Planning at the UW – Green Bay. Preston specializes in empowering individuals to share stories that inform their financial resources and life’s design to achieve financial wellness and freedom that cultivates life wholeness. Preston has been cited by the New York Times, Forbes, the Wall Street Journal, CNBC, and Yahoo Finance. He is an Investopedia 100 Top Financial Advisor, 2022 ThinkAdvisor LUMINARY Finalist, WealthManagement.com Ten to Watch in 2023, President of the Financial Therapy Association and practitioner editor of the award-winning Journal of Financial Planning. In this episode Dr. Cherry and I discuss the importance of understanding the meaning of retirement and creating a vision for the future. He introduces the concept of the four T's: trial, triumph, transition, and transformation, and explains how these stages can impact one's retirement journey. We also discuss the emotional aspect of money and the need to give oneself permission to enjoy retirement. Dr. Cherry shares personal stories and insights to inspire you to embrace your financial freedom and live a fulfilling retirement. Useful Links 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 Preston Connect With Me 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 | |||
| 27 Feb 2025 | How to Build Retirement Intelligence with Bob Laura | 01:02:53 | |
Bob is a pioneer in the psychology and social science of retirement. He is a five-time best-selling author, nationally syndicated columnist and recognized presenter at retirement conferences across the US. He is the founder of the Retirement Coaches Association, Certified Professional Retirement Coach Designation and Retirement Intelligence Assessment. His work has reached millions of retirement readers through seven books, twelve guides, and over 800 articles. In addition to his own writings, he frequently appears in major business media outlets such as the Wall Street Journal, USA Today, CNBC, MarketWatch, the New York Times, and more. As a former social worker turned retirement expert and author, he has found that retirement is among the most fascinating, yet least understood, phases of life. As a result, he has developed a powerful message to tackle the mental, social, physical, spiritual, and financial aspects of retirement. In this episode Bob and discuss the common misconceptions about retirement, the rise of grey divorce, and the importance of pre-retirement planning. We also tackle some tricky subjects and highlight the dark side of retirement, including loneliness and addiction, and the necessity of establishing new routines to maintain mental health and social connections post-retirement. Bob discusses the evolving concept of retirement, emphasising the importance of identity, purpose, and personal fulfilment over financial wealth and he introduces the Retirement Quotient framework, which assesses readiness for retirement through various personal dimensions, including emotional and spiritual well-being. Key Takeaways
Books Mentioned
Websites & Resources
Other Mentions
Humans vs Retirement
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| 29 Sep 2023 | Shifting the Retirement Mindset to "Think, Feel, Do" with Ross Marino | 00:47:19 | |
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 Connect With Me Book in a chat if you want a second opinion about your retirement planning. Email at dan@tfp-fp.com
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| 03 Nov 2023 | Health & Wealth Are Two Sides of The Same Coin with Dr Phil Pearlman | 01:05:12 | |
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 Connect With Me Book in a chat if you want a second opinion about your retirement planning.
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| 28 Aug 2024 | The Three Domains of Freedom with George Kinder | 00:56:47 | |
Summary Today’s conversation is a first for my podcast in that I welcome back a previous guest! And I couldn't think of having my first repeat guest as anyone better that the brilliant George Kinder! George was previously on the show in episode 20 where we discussed Life planning and how to light the retirement torch. For those that don't know, George is widely regarded as the father of Financial Life planning and a global leading voice in this field. Today's conversation centres around Goerges new book The Three Domains of Freedom which explores the different aspects of freedom and how the relate to a fulfilling life. The three domains we discuss are: The freedom of each moment, The freedom to pursue one’s life and the freedom within civilisation. During our conversation George emphasises the importance of mindfulness and being preset in each moment to experience true freedom. He also discusses the significance of having a passionate purpose and taking control of your life. George and I also discuss the the concept of freedom and its various dimensions. We talk about freedom of thought, freedom of time and the importance of celebrating achievements, no matter how small! We also touch on the state of society and the need for unity and trust and at the end George shares his proposal for a legislative solution to create a more trustworthy and humane civilisation. Takeaways
Sound Bites "There were three domains.""Mindfulness is really about the mastery of the present moment." Chapters 00:00 Introduction and Overview Links
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| 03 Jul 2023 | Reflecting on season 1: key insights for a happy, healthy, and wealthy retirement with host Dan Haylett | 00:39:36 | |
Summary In the final episode of season one, I’m flying solo to try and distil, summarise, and cover the key points from the previous 11 amazing episodes of the Humans vs Retirement podcast. I can’t express my gratitude to you the listeners enough and I’m so excited for season two, which will launch after a four-to-five-week break. Join me as I reflect on the amazing conversations and insights gained from exploring the behavioural, emotional, and financial challenges of life after work. What You’ll Learn The listener will learn about
Useful Resources Subscribe to the Humans vs Retirement podcast on Apple Podcasts, and Spotify Connect With Me TFP Financial Planning
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| 15 Mar 2025 | The Retirement Mindset Shift with Lindsay Troxell | 01:07:54 | |
Episode Summary Retirement isn’t just a financial transition, it’s a psychological and emotional one, too. In this episode of Humans vs. Retirement, I sit down with Lindsay Troxell, a coach and life planner who has been at the forefront of shifting the financial industry’s focus toward a more human-first approach. Lindsay shares powerful insights on mindset, identity, and habits, and why most people unknowingly experience an identity crisis in retirement. Lindsay and I explore how to reshape your beliefs, redefine purpose, and build new habits for a fulfilling second half of life. If you’ve ever asked yourself: Who am I without my job title? How do I retire with meaning? or Why does retirement feel like a letdown?, this episode is for you. What You’ll Learn in This Episode
Key Topics Discussed[00:02] – Introduction & Catching Up
[00:10] – The Mindset Shift for Retirement
[00:25] – Identity & Purpose in Retirement
[00:40] – Mindset, Habits & Breaking Old Patterns
[00:55] – Retirement & Relationships: The Gray Divorce Trend
[01:10] – The Future of Retirement & Financial Planning
[01:25] – Final Takeaways
Books & Resources MentionedBooks:
Research & Studies:
Additional Resources:
Connect with UsFollow Lindsay Troxell:
Follow Dan & The Podcast:
📩 Enjoyed the episode? Leave a review and let us know your biggest takeaway! | |||
| 06 Sep 2024 | How To Create Your 'Encore Career' with Dr Michelle Prince | 00:59:02 | |
Summary In today's episode I'm thrilled to get to have conversation with the author of the brilliant book Creating Your Encore Career, Dr Michelle Prince Michelle is a global leadership coach, HR technology advisor, human capital consultant and author. A certified leadership coach since 2006 with a doctorate in management and organizational leadership, she helps professionals and organizations achieve transformational growth. Michelle has over 30 years of corporate HR experience and now runs her consulting firm, MPrince Consulting LLC. An advocate for sustainability and empowering people to thrive, she wrote the book Creating Your Encore Career in 2024 to inspire others to craft their own fulfilling Encore Careers. Join us as Michelle and I discuss the concept of an encore career, which is a meaningful and purposeful career in the third act of life. Michelle shares her personal journey of transitioning from a corporate HR role to becoming a global leadership coach and senior career coach and explains that many people approaching retirement age feel uncertain about what they want to do next and may not know how to navigate job searching in today's technology-driven world. She wrote her book, 'Creating Your Encore Career,' as a step-by-step guide to help individuals in this stage of life explore their options, find fulfilment and transition into purpose driven work in their later years. We explore the importance of a self-reflection process to identifying passions, values and interests which means that people should redefine their retirement to align with increased lifespans and evolving aspirations. We also talk about the value of building a professional network and creating a personal brand to showcase expertise and attract new opportunities as well as exploring options like the gig economy, volunteering, entrepreneurship, or continued education Our conversation also highlights the benefits of growth, curiosity, and exploration in an encore career, as well as the importance of financial planning and managing healthcare and insurance costs. Takeaways
Sound Bites "An encore career is a meaningful and purposeful career in the third act of life." Chapters 00:00 Introduction and Personal Journey Links
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| 26 Jun 2023 | Lessons and experiences through the lens of a real-life retirement journey with Andy Murphy | 00:53:06 | |
Summary In this episode of the Humans vs Retirement podcast, I’m so fortunate to be able to have a conversation with my client and good friend, Andy Murphy, to hear about his experiences and challenges in retirement. Andy shares his career story and how he began to think seriously about retirement. We discuss how important planning and preparation was for Andy, as well as the emotional and psychological adjustments that he has had to make and continues to work through. This episode provides a first-hand perspective on the realities of life after work and offers valuable insights for anyone approaching retirement. What You’ll Learn The listener will learn about: About My Guest Andy had a long, successful 40+ year career working across a variety of roles for one of the big American banks. 5 years ago, Andy wanted to get his affairs in order to eventually retire from the bank. However, this first venture into retirement planning caused more questions than answers. Andy has been retired just over 12 months and now sees himself as a Music Discoverer! As well as his love of music, he enjoys fine art and cooking. Find out more at www.humansvsretirement.com
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| 16 Dec 2024 | Reflecting on 2024 and My 5 Big Takeaways! | 00:08:05 | |
Welcome to a special end of 2024 solo episode of the Humans vs. Retirement podcast! This year there has been 40 episodes of the podcast released and I’m touching on 90,000 downloads, which blows my mind! I have been so lucky to have conversations with amazing guests and the feedback has been so humbling to hear. So, I want to take a moment to thank each and every one of you for joining me on this journey. Whether you’ve tuned in to one episode or every single one, I’m so grateful for your support and the incredible conversations we’ve shared together this year. And if you haven’t yet had time to leave a review and rating then best Christmas present you could give me would be to leave one! It really helps spread the word! As I look back at 2024, I want to share some highlights from the past 12 months, touch on the common themes that emerged, and leave you with five key takeaways that I hope will resonate as you reflect on your own journey Reflecting on 2024: Highlights & Themes This year has been such a meaningful one for the podcast. Together, we’ve explored the realities of retirement, challenged common assumptions, and learned from so many insightful guests. Here are some highlights and recurring themes from our episodes this year:
Five Big Takeaways from 2024 As we wrap up this incredible year, I want to leave you with five key takeaways from the conversations we’ve had on the podcast:
What does 2025 look like for you? My team and I are looking to help 15 new families this year, so if you are based in the UK, thinking about your retirement in the next few years and want to explore working with me to plan and live your dream second half of life then please use the link below to book in a time for us to chat early in the new year. Of course we must be a right fit to work together on this very important phase of life so please fill in the form when clicking on the link and if we are a good fit then you will be able to book in a slot in my diary for us to chat. Happy Holidays!! Before I sign off, I just want to say thank you once again for being part of this journey with me. Your support, feedback, and enthusiasm mean the world, and it’s been a privilege to share these conversations with you throughout the year. As we head into the holiday season, I hope you take time to celebrate, relax, and connect. I’m wishing you a very Merry Christmas and a wonderful start to the New Year. Here’s to an exciting 2025 filled with new adventures, meaningful conversations, and continued growth. I’ve already got some brilliant episodes recorded and cracking guests lined up so I cannot wait to see you next year!
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| 25 Aug 2023 | The Power of Social Connections and Flow in Retirement with Dr. Jordan Hutchinson | 00:53:00 | |
Summary & About Guest Dr. Jordan Hutchison is VP of Technology for RFG Advisory in the USA and an expert in flow theory. adjunct instructor in Behavioral Finance for Kaplan’s College for Financial Planning. Jordan holds multiple industry certifications, a master's in financial planning, and a doctorate in business administration, specifically in behavioral science and positive psychology. In this episode we discuss the importance of social connections and relationships in the retirement transition, as well as the concept of flow and its connection to identity shifts. Jordan shares insights from his research and study of flow theory, career in the wealth management industry and personal insights from his time as a standout college basketball player and his parent’s life transitions. Useful Links Charles Schwab: The most overlooked factor in aging well (aboutschwab.com) What is flow theory? – An article explaining what it is and how it may help and impact us Flow: The Psychology of Happiness By Mihaly Csikszentmihalyi 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 Jordan Connect With Me Book in a chat if you want a second opinion about your retirement planning Email at dan@tfp-fp.com
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