The Retirement Wisdom Podcast

Retirement Wisdom

Retire Smarter

All Episodes

What unique challenges do women face in retirement planning? We talk with Russ Thornton, an experienced retirement advisor who specializes in helping women prepare for retirement. And we cover several topics of interest to anyone who's planning for retirement. We discuss: The story behind why he specializes in retirement planning for women What he sees as the unique challenges women face in planning for retirement What’s different about planning for retirement today versus 10 to 20 years ago The key building blocks of a sound retirement plan What many people don’t know about retirement planning - but should The mistakes he sees people make in planning for retirement that can be avoided How his clients navigate the challenges that come with the transition to retirement How couples can get on the same page about retirement His approach at Wealthcare for Women The upside of life in retirement he sees his clients living today Russ joins us from Atlanta. _________________________ Bio Russ Thornton has been a retirement advisor for over 25 years and specializes in helping women retire confidently on their own terms to comfortable, fulfilling lives, at his retirement advisory firm Wealthcare for Women. Russ was selected as one of Investopedia's Top 100 Financial Advisors in 2019, 2020, and 2021. Prior to establishing his own firm, Russ was a Financial Advisor with Merrill Lynch. _________________________ For More on Russ Thornton Wealthcare for Women _________________________ Wise Quotes On Not Deferring Living "I like to always emphasize the idea that you can do things now and in retirement. You don't have to wait. And if you wait, you run the risk that you're not here. Tomorrow isn't promised. I'm sure we all have heard about, or maybe know, people that have planned to retire and for one reason or another, they never made it to retirement. Or they retired and in a year or two or three in something happened and they didn't even get to enjoy all the years they'd planned on. So, I think you need to think about how you can start enjoying your life today while still preparing for a comfortable and confident retirement ahead." On Planning for How You'll Invest Your Time "Clearly retirement planning revolves around making sure that you've got the financial pieces in place to support your life, no matter how long you live. But, I think it's worthwhile to also spend time thinking about how are we going to spend our time? And who are you going to spend your time with? What are you going to stop doing once you retired? Maybe that gives you the opportunity to eliminate some things in your life that by necessity that you're dealing with now related to work or other commitments." On Shifting from Saving to Spending "I find that it's often very difficult for people to make that mental shift from saving and accumulating to starting to spend, and as a result, I find a lot of people underspend - especially in the first few years of retirement.  When in reality, if they're going to overspend, maybe they should actually overspend a little bit more early in retirement when they're younger, more mobile, want to travel, and want to do more things." __________________________ Podcast Episodes You May Be Interested In Retire Happy – Dr. Catherine Sanderson Why Retirement is About Much More Than Money – Ted Kaufman & Bruce Hiland Advice for Successful Career Women Transitioning to Retirement – Helen Dennis Ways to Retire on Less – Harriet Edleson The Future You – Brian David Johnson Who Will Take Care of You When You Are Older? – Joy Loverde The Key Decisions for Retirement Success – Wade Pfau _____________________________ About Retirement Wisdom Retirement is about much more than money. You haven’t worked this hard for so long to have a mediocre post-career life. It’s your time. Make it your best time. Take the first step toward your new life.

Nov 29

41 min 28 sec

Giving thanks is probably on your mind this week if you're here in the US. And there's a lot to be grateful for. There's science behind gratitude and how it can enhance your health and well-being. Dr. Glenn Fox from the University of Southern California joins us to chat about the research on gratitude and how to apply it in your daily life. We also touch base on how gratitude plays a role in high performance and what he's learned from his work with entrepreneurs and Navy SEALS. We discuss: The Science of Gratitude How gratitude is defined The benefits of gratitude What gets in the way of gratitude Why gratitude is a positive emotion and also a skill The practices he uses in his daily life to apply the research on gratitude How to start a gratitude practice Entrepreneurship How gratitude plays a role in high-performance among entrepreneurs What to consider before becoming an entrepreneur   And...what he learned from being in Back to the Future 3 way back in the day Glenn joins us from California. ________________________________ Bio Dr. Glenn Fox is a faculty member at the University of Southern California's Lloyd Greif Center for Entrepreneurial Studies, in the Marshall School of Business. His current projects focus on neural systems for emotion regulation, high stakes training, and developing entrepreneurial mindset skills in founders and business leaders. Glenn received his Ph.D. in Neuroscience from USC, where he focused on the neural correlates of gratitude, empathy, and neuroplasticity. Following graduate school, he started a company, Ph.D. Insight L.L.C., which focused on providing data science consulting for small businesses and early-stage startups. Prior to joining Marshall as a faculty member, Glenn led the Performance Science Institute at USC where he worked with the United States Marine Corps, Army Research Laboratories, Seattle Seahawks, and numerous Olympic athletes and Fortune 500 companies to examine the role of mindset in business and high stakes pursuits. Currently, Glenn is the Director and Founder of the USC Found Well Initiative which aims to understand and promote entrepreneurial mindset in founders and business leaders. He also serves as a Principal Investigator at the USC Sensorimotor Assessment and Rehabilitation Training in Virtual Reality Center (SMART-VR) and a fellow of the Brain and Creativity Institute. Outside of USC, Glenn serves as the Chief Science Officer of the C4 Foundation, which serves to strengthen and protect Navy SEAL families. Glenn is also currently on the advisory board of the Flow Research Collective, where he works with Steven Kotler on projects related to gratitude, flow, and high performance. He consults regularly with companies and media outlets on topics ranging from small business management, gratitude, and high performance. Glenn is an avid maker and restorer of things old and metal. He lives in LA with his wife and son. __________________________ For More on Dr. Glenn Fox What Can the Brain Reveal About Gratitude? Practicing Gratitude Can Have Profound Health Benefits The C4 Foundation Follow on Twitter @glennrfox ________________________ Wise Quotes On Gratitude "Gratitude is a word we hear thrown around a lot, and I think that's a good thing. And we only begin to understand gratitude more. The more we begin to look for it. And as you start to look and observe gratitude, you realize that it's so much more than what people talk about. We hear the word gratitude, and we think about it as a synonym for happiness, a lot of the time, but this limits what I think gratitude really is - and what it really can do for people. It's more than happiness. It's more than just getting something nice. It is a framework. It's part of our moral compass for how we keep track of our relationships to others. It's part of our deepest motivational circuits." On Paying Attention

Nov 22

55 min 38 sec

If you're planning for retirement, you're focusing on covering all your bases. But how about your happiness? When you're able to retire, will you be prepared to retire happy? Professor Catherine Sanderson joins us for a conversation about research from the field of positive psychology on happiness, and her practical recommendations on how to enhance your well-being. We discuss: How she become interested in positive psychology and in the study of happiness How our Mindsets influence us What predicts happiness If Eyerores can become Tiggers If money buys happiness Why linking happiness to external events isn't wise How we think about aging influences how we actually age How she applies the research on optimism and happiness in her daily life What gets in the way of happiness that we should avoid Practical tips to enhance your happiness Dr. Sanderson joins us from Amherst, Massachusetts. _________________________ Bio Catherine A. Sanderson is the Poler Family Professor and chair of psychology at Amherst College. She received a bachelor's degree in psychology, with a specialization in Health and Development, from Stanford University, and received both masters and doctoral degrees in psychology from Princeton University.  Her research has received grant funding from the National Science Foundation and the National Institute of Health. Professor Sanderson has published over 25 journal articles and book chapters in addition to four college textbooks, middle school and high school health textbooks, as well as the Introduction to Psychology course for The Great Courses. In 2012, she was named one of the country's top 300 professors by the Princeton Review. Professor Sanderson has written trade books on parenting as well as how mindset influences happiness, health, and even how long we live (The Positive Shift). Her latest trade book, published in North America as Why We Act: Turning Bystanders Into Moral Rebels (Harvard University Press) and internationally as The Bystander Effect: The Psychology of Courage and Inaction (HarperCollins), examines why good people so often stay silent or do nothing in the face of wrongdoing. For a preview of the topics addressed in this book, watch Catherine’s TEDx talk on the Psychology of Inaction, which describes the factors that contribute to inaction and provides strategies we all can use to help people act, even when those around them are not. Professor Sanderson speaks regularly for public and corporate audiences on topics such as the science of happiness, the power of emotional intelligence, the art of aging well, and the psychology of courage and inaction. These talks have been featured in numerous mainstream media outlets, including The Washington Post, The Boston Globe, USA Today, The Atlantic, CNN, and CBS Sunday Morning with Jane Pauley. She also writes a weekly blog for Psychology Today - Norms Matter - that examines the power of social influence on virtually all aspects of our lives. Catherine lives with her husband, Bart Hollander, and three children - Andrew, Robert, and Caroline - in Hadley, Massachusetts. _________________________ For More on Dr. Catherine Sanderson Website The Positive Shift: Mastering Mindset to Improve Happiness, Health, and Longevity One Day University: The Science of Happiness The Art of Aging  (Subscription required. Currently offering a Two Week Free Trial) __________________________ Wise Quotes On What Predicts Happiness "So about 50% of our happiness seems to be built in - in terms of our genes. And this means that some people have a genetic predisposition to feeling happier. Now it's not as simple as a happiness gene. There seems to be a constellation of different genes that predispose somebody to being, in part, more resilient when things don't go well, but also probably predisposed to seeing the bright side, finding that silver lining, no matter what happens.

Nov 15

34 min 58 sec

There are many decisions to make in planning for retirement and a big one is where to live. Are you interested in a retirement community or plan to age in place? Will you move to be closer to family members or downsize to a place with the "livability" factors you want? What will be the right place for you? Ryan Frederick, the author of the new book Right Place, Right Time joins us to share his insights. We discuss: Why he chose to live in a retirement community in his 20s - and what he learned from that Why Place is so important How the pandemic is changing how people think about where we choose to live A case study from his book and the lesson it highlights The key factors (like livability) that make a place the right place for someone The pros and cons to be aware of if you plan to age in place How Design Thinking can help people choose the right place to live next His advice for couples His personal experience in moving his family to Austin. The key trends shaping where - and how -  we’ll be living in the future Ryan joins us from Austin. ___________________________ Bio Ryan Frederick is the Founder & CEO of SmartLiving 360 and the author of the new book Right Place, Right Time: The Ultimate Guide to Choosing a Home for the Second Half of Life. Ryan is focused on the intersection of healthy aging and the role of place, including housing. SmartLiving 360 helps institutions and individuals thrive in the Age of Longevity by providing consulting services, real estate development services, and consumer content. Ryan is recognized as a national thought leader and innovator in the real estate development and healthcare services industries and is a keynote speaker, instructor, author, and blogger. His work and insights have been cited in Forbes, The Washington Post, and Environments for Aging, among other outlets. His real estate development in Rockville, MD, The Stories at Congressional Plaza, is an age-friendly apartment community that has attracted national attention. Mr. Frederick is a member of the National Advisory Board for the School of Nursing at Johns Hopkins University, a member of the AgingWell Hub, a collaborative of leading innovative providers in the field of aging led by Phillips, and has been appointed to the Advisory Council of the Bipartisan Policy Center Health and Housing Task Force. He is a 2018-2019 Encore Public Voices Fellow. Mr. Frederick is a graduate of Princeton University and the Stanford Graduate School of Business. ______________________________ For More on Ryan Frederick Right Place, Right Time: The Ultimate Guide to Choosing a Home for the Second Half of Life Blog  The University of Michigan Study on Purpose and Longevity mentioned on the podcast __________________________ Wise Quotes On the Importance of the Right Place "It makes it easier to be socially connected, be physically active, be financially secure for a longer life. And then it has a direct effect because in some cases you may be in a physical place that you might be emotionally connected to or not. Or you might have some physical limitations and you may find a place that may not be appropriate for you. So I think it's so important that Place should be on the same level as eating well, exercising, and financially planning for longevity. It's right up there as we think about planning for a longer life. And it starts with a vision of what you want your life to look like. And then how does Place help enable that to happen?" On Happiness and Longevity "When you look at the research of a longer life, and we don't hear this much in the media, but there's something called the U-shaped Happiness Curve based on people's self-reporting of their well-being and happiness. You're at a certain level in your 20s, then you kind of go down for a stretch. And then your late 40s, early 5os is the nadir in the US. I like to think it's correlated to having teenagers in the house...

Nov 8

41 min 20 sec

When you're learning something new, it's helpful to understand both theory and practice. Planning for retirement is no exception. What can we learn about life in retirement from those who planned well for retirement (and wrote excellent books about it) - and are now living it? In this new installment of a series of panel discussions with our most popular previous guests, we're joined by Fritz Gilbert, Dr. Barbara O'Neill, and Mark Shaiken (you'll find their bios below). We discuss: Their lessons learned about life in retirement so far How they're investing their time now versus their full-time working years What do they know now that they wished they did then What they learned about themselves by writing a book about retirement The ingredients for a Good Life today Their advice for pre-retirees who are planning for retirement now Dr. Barbara O'Neill joins us from Florida, Fritz Gilbert from Georgia, and Mark Shaiken from Colorado. __________________________ Bios Fritz Gilbert is the author of The Keys to a Successful Retirement. He retired after more than three decades in corporate America, where he progressed through the various levels of a multinational corporation serving the global aluminum industry. His award-winning blog “The Retirement Manifesto” is focused on people achieving a great retirement. Fritz and his wife, Jackie, live in a cabin in Blue Ridge, Georgia, an Appalachian Mountain town where they’re active in their local church and various local charities, including Jackie’s charity Freedom for Fido ( When he’s not writing, Fritz enjoys spending his time outdoors and is an avid fly fisherman, mountain biker, hiker, camper, photographer, and fitness fanatic. He also cherishes his daily walks in the woods with their four dogs, who run the household. Fritz and Jackie also travel cross country in their RV to visit their daughter and her family in the Pacific Northwest. Previous Visits: The Keys To A Successful Retirement - Fritz Gilbert The Soft Side of Retirement – Fritz Gilbert, The Retirement Manifesto Website  ---  Barbara O’Neill, Ph.D, CFP®, CRPC®, AFC, CHC, CFEd, CFCS, CPFFE, is the author of Flipping the Switch: Your Guide to Happiness and Financial Security in Later Life. As the owner/CEO of Money Talk: Financial Planning Seminars and Publications, Dr. Barbara O’Neill, CFP®, AFC®, CRPC®, writes, speaks, and reviews content about personal finance. A Distinguished Professor Emeritus at Rutgers University, after 41 years of service as a Rutgers Cooperative Extension educator and personal finance specialist, Dr. O’Neill has written over 160 articles for academic publications and received more than 35 national awards and over $1.2 million in grants to support her financial education programs and research. Employed by Rutgers since 1978, she provided national leadership for the Cooperative Extension programs Investing For Your Future and Small Steps to Health and Wealth™ for over a decade. Part of her work time is bought out to provide personal finance training for military family service professionals (for the eXtension Military Families Learning Network) and for New Jersey financial educators as part of a state Department of Education contract. She is also the author of two trade books, Saving On a Shoestring and Investing On A Shoestring, and co-author of Money Talk: A Financial Guide for Women. She is a certified financial planner (CFP®), chartered retirement planning counselor (CRPC®), accredited financial counselor (AFC), certified housing counselor (CHC), and certified financial educator (CFEd). She also holds the CFCS (certified in family and consumer sciences) and CPFEE (certified personal and family finance educator) credentials from the American Association of Family & Consumer Sciences (AAFCS). Dr. O’Neill received her Ph.D. in family financial management from Virginia Tech,

Nov 3

57 min 31 sec

Is it time to make the healthy lifestyle changes that perhaps you've been putting off? Our guest is Glen Robison, author of  Healthy Dad, Sick Dad. The book's subtitle says it all: What Good Is Your Wealth If You Don't Have Your Health? We discuss: The story behind his two Dads - and what lessons he took from them How your lifestyle choices affect your health The most important lifestyle factors to zero in on The biggest changes he's made personally Yin and Yang foods - and how to achieve the optional balance His go-to recommend resources He joins us from Arizona. _________________________ Bio In Healthy Dad, Sick Dad, Dr. Glen N. Robison shares his personal journey with two very similar fathers who ended up in drastically different retirements. Determined to understand why, Dr. Robison studied his healthy father’s lifestyle and emulated it for fifteen years, with dramatic improvements to his own health. Now, he shares the secrets of living toward a long, healthy life. Dr. Glen N. Robison is Diplomate of the American Board of Multiple Specialties in Podiatry Board Certified in Primary Care in Podiatric Medicine. Dr. Robison is a Jin Shin Jyutsu practitioner and certified Myopractor, trained in releasing deep restrictions of motion in the body that resides at the root of our symptoms and ailments. Having applied the principles found in this book for over fifteen years, he has expanded his practice to include dietary approaches that address everything from fungal infections to diabetes. _____________________________ Wise Quotes On Adopting a Healthy Diet "I think part of the challenge here, at least it appears to me, is that medicine today is about how a pill makes a quick fix. Work takes a little bit of a long time, but perhaps is more sustaining over a course of a lifetime. Right out of my residency, I was in my first year in practice, and I was on the go, go, go. I was trying to pay off the student loans. I was starting a family. I was trying to pay down the debt. And so I was running on willpower. I was running on adrenaline. And so I gravitated to the social things of life, the quick energy, high-sugary food type things. And over a course of time, it really started to take a toll on me. And so when I couldn't get out of bed and because of my back was hurting so bad and I realized, man, being young in practice, I didn't have any health insurance. Nothing. I was like, what am I doing? And so surgery wasn't an answer for me. I didn't want to get cut on. I know my sick dad had back surgery. I didn't want to follow down his road. So I was directed to my healthy dad. And I remember when he worked on me and he made a comment: Man, you're like a dang bag of potatoes. You're so stiff. In order to really fully get you to where you need to be, you're going to have to change what you eat. And that didn't make sense to me. I said I'm just here for my back. I just need to get my back fixed. But it took a couple of years of him talking to me and telling me that you really have to change what you eat." On Emotions & Health "I've learned how to engage my emotions to hold me in check, meaning that anger, grief, frustration, resentment, all these things, have a direct effect on our health. Grief and worry are directly related to diabetes. And so I could tell you a story right there that I've experienced, I had with worry and grief, that can elevate your blood sugars. And so I've been more attuned to the emotions and have learned to just be more trusting, be more forgiving, be more loving, and not take in these harsh, emotional elements that I've incorporated into my life." ___________________________ For More on Dr. Glen Robison Healthy Dad Sick Dad: What Good Is Your Wealth If You Don't Have Your Health? Learn more at ____________________________ Podcast Episodes You May Be Interested In Take Charge of Your Well-Being – John La Puma, MD

Nov 1

32 min 35 sec

You'll face a myriad of decisions in planning for retirement. Wade Pfau has written a comprehensive guide to help you prepare well, financially and otherwise. He joins us to discuss how to fortify your retirement planning and decision-making. We discuss: How he became interested in studying retirement and retirement planning The key risks to manage in planning for retirement Why the traditional concept of retirement is increasingly unaffordable - and what to do instead His views on the 4% rule The roles that annuities and reverse mortgages can play in retirement planning The pros and cons of working longer What to consider in deciding where to live in retirement The non-financial aspects of transitioning to retirement - and special challenges for introverts How to assess your preparedness for retirement Wade joins us from Dallas. ______________________ Bio  Wade D. Pfau, PhD, is Professor of Retirement Income in the Ph.D. in Financial and Retirement Planning program, Co-Director of the New York Life Center for Retirement Income, and RICP® program director at The American College of Financial Services. Pfau is a co-editor of the Journal of Personal Finance. He has spoken at national conferences of organizations for financial professionals such as the CFA Institute, FPA, NAPFA, AICPA-PFP, and AFS. He also publishes frequently in a wide variety of academic and practitioner research journals. He hosts the Retirement Researcher blog, and is a monthly columnist for Advisor Perspectives, a RetireMentor for MarketWatch, a contributor to Forbes, and an Expert Panelist for The Wall Street Journal. His research has been discussed in outlets that include print editions of The Economist, The New York Times, The Wall Street Journal, and Money Magazine. Pfau was a selectee for the InvestmentNews “Power 20” in 2013 and “40 Under 40” in 2014, the Investment Advisor 35 list for 2015, the IA 25 list for 2014, and Financial Planning magazine’s Influencer Awards. He is a two-time winner of the Journal of Financial Planning Montgomery-Warschauer Award, a two-time winner of the Academic Thought Leadership Award from the Retirement Income Industry Association, and a best paper award winner in the retirement category from the Academy of Financial Services. Pfau holds a doctorate in economics and a master’s degree from Princeton University, and bachelor of arts and bachelor of science degrees from the University of Iowa. He is also a Chartered Financial Analyst® (CFA®). _________________________ For More on Wade Pfau Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success Retirement Researcher Website _________________________ One Day University At One Day University, you can watch hundreds of fascinating talks by the most popular professors from 150 top schools. A special offer for listeners of The Retirement Wisdom Podcast: learn more and start your two-week free trial at Check out the video library to see what interests you. _________________________ Wise Quotes On Risks "Risks fall into a few different categories. Longevity risk is worth mentioning first, and it's a good thing in a way. You don't know how long you're going to live, and you might live a very long time, which is wonderful, but just on the financial side, it's expensive to live a long time. You have to fund your retirement for more and more years. So longevity risks really is the overarching risk, and you've got the different types of market risk and market volatility, interest rates that are changing, and so forth, just market-related risks and inflation could be part of that as well. But even a low inflation rate over a long retirement can really compound over time. And then everything else really falls into the category of spending shocks. Which is you may have a reasonable baseline budget that you anticipate,

Oct 25

32 min 52 sec

Can learning from your parents' mistakes help you age gracefully? In his 50s Steven Petrow began a list of things he was observing that he vowed never to do when he became old. Now in his 60s, he has a different appreciation of his observations. Listen in to a fascinating conversation as Steven shares his humor and insights on making smarter choices to age gracefully. __________________________ Bio Steven Petrow is an award-winning journalist and book author who is best known for his Washington Post and New York Times essays on aging, health, and civility. He’s also an opinion columnist for USA Today,  where he writes about civil discourse and manners. Steven's 2019 TED Talk, “3 Ways to Practice Civility” has been viewed nearly two million times and translated into 16 languages. Steven's new book is Stupid Things I Won’t Do When I Get Old. He is the author of five other books, the most recent of which is Steven Petrow’s Complete Gay & Lesbian Manners. He’s a much sought-after public speaker, and you’re likely to hear him when you stream NPR or one of your favorite  —  or least favorite  —  TV networks. Steven also served as the host and executive producer of "The Civilist," a podcast from Public Radio International and North Carolina Public Radio WUNC. __________________________ For More on Steven Petrow The Book: Stupid Things I Won't Do When I Get Old: A Highly Judgmental, Unapologetically Honest Accounting of All the Things Our Elders Are Doing Wrong Steven Petrow's Website How To Age Gracefully  (The article mentioned by Jane Brody in The New York Times) __________________________ One Day University At One Day University, you can watch hundreds of fascinating talks by the most popular professors from 150 top schools. A special offer for listeners of The Retirement Wisdom Podcast: learn more and start your two-week free trial at Check out the video library to see what interests you. __________________________ Wise Quotes On Being a Perrenial "There are many ideas that were good for a long time - and then they're not anymore. And then of course there are new ideas that come into vogue - and one of the new ideas that I talk about is this notion of being a perennial. So we're very divided by our generation. We have the Greatest Generation. We have the Boomers, Millennials, Gen X, Y, and Z. And in a way, those are divisions that keep us apart. And so I like this notion of being a perennial. Anybody can be a perennial, whether you're 25, 64 like we are, or 85. It's an attitude. And it's an attitude of being involved and curious and often having friends of different generations. So this is like a new behavior that we can start to adopt. That is very gratifying. I've had the experience several times, especially with multi-generational friends, but also I'm having younger folks really kind of keep me in the swim of what's happening in life. And I think that's important to all of us." On Adapting "The thing I saw most, especially I'll say with my Dad - and I think this is somewhat of a male condition. He was very independent, very stubborn. He always liked to do things his way, and he really did not want assistance in general. And he did not want his three kids to be providing any kind of help - I'll say it in air quotes. And we were very aware of the sort of family dynamic and the generational dynamic and did not want to be telling our father what to do. Both because we knew that that was futile and that that's really not how we were approaching these problems, especially when he was falling a lot. So we tried to give him tools and he rejected most of them. And then he continued to fall and he died. He died from a series of falls. And what really struck me was his own father had died from a series of falls. And my Dad had been trying to help his Dad not do that. So in a way, I feel like I have a greater awareness of these issues.

Oct 18

38 min 41 sec

How can you get smarter about getting smarter? Our guest Elizabeth Ricker, author of Smarter Tomorrow, introduces us to neurohacks that can cognitive functioning. She explains her concept of scientific self-help and how to improve cognitive functioning through a variety of short exercises and experiments. We discuss: The story of her middle school math teacher How neurohacking and scientific self-help work with how to improve cognitive functioning What she learned from tracking her New Year’s Resolutions since 2011 What we need to know about cognitive functioning that may be different than we expect The New IQ and the New EQ Common Lifestyle Bottlenecks – and how they can be addressed and improve cognitive functioning How Serious Brain Games can improve executive function The MIND diet How having an accountability partner can help The key messages from her book Smarter Tomorrow Elizabeth joins us from San Francisco. ________________________ Bio Elizabeth R. Ricker is the author of the new book, Smarter Tomorrow: How 15 Minutes of Neurohacking a Day Can Help You Work Better, Think Faster, and Get More Done Her work has been featured globally, including in the Wall Street Journal, Fast Company, on SiriusXM radio, and on public broadcast TV in Europe. She has given talks on cognitive enhancement and neurohacking across the US and overseas. She is a sought-after expert by Silicon Valley venture capital firms, technology startups, schools, and the Fortune 500. She runs the citizen neuroscience, DIY, and neurohacking organization, NeuroEducate, and her consulting and speaking work goes through Ricker Labs. Ricker received her undergraduate degree in Brain and Cognitive Sciences from MIT and her graduate degree in Mind, Brain, and Education from Harvard. In college, she worked in the neuroscience lab of Nobel Prize winner Dr. Susumu Tonegawa. Ricker was also a nationally ranked athlete and class president-- the latter of which occasionally involved such serious duties as dressing up in a giant rodent costume to play Tim the Beaver, the MIT mascot. __________________________ Wise Quotes On Neurohacking "I think before you dive into all the things that the media is going to tell you that are falling apart as you get older, I think it's really important to just start with the things that you are probably stronger at than you realize. This is a really important thing with neurohacking - to start with an understanding of where you're strong and then understand what your personal bottlenecks are so that you can personalize everything that you do." On Scientific Self Help "You can take a very scientific approach to your life and the things that seem kind of abstract and maybe not under your control, like life satisfaction or mental performance - these things seem uncontrollable. I think they seem like you're either born with them or fate seems to play a role and you just don't have control over them. And what I want to really introduce to people is that we actually have a lot of data, and we have this tool, which is self-experimentation, that can allow you to actually take control over it. And if it helps at all, when you look back at the number of Nobel prize winners who have won awards in medicine or physiology, a surprising percentage of them actually ran self-experiments in the exact area that they won the Nobel prize in. So you will actually be in pretty good company. This is not some [sci-fi] stuff. This is something that even very various data scientists have done themselves. So, [there's] no reason why you can't ask and approach things just like a Nobel prize winner." On Neurohacking  "...When you start your neurohacking, I think of there being a pyramid. So before you get into the really fancy neurohacks, like later on in the book, I talk about neurostimulation, neurofeedback, these sort of lab-grade technologies that are now - due to the decrease in consume...

Oct 11

43 min 59 sec

Your "retirement" could be longer than your career. What if you reject the traditional version of retirement that your neighbors and your colleagues have in mind? What if instead, you design a new life around what matters most to you and yours? And what if you bring the same qualities that made you successful to your new post-career chapters? Today's guests, Milledge and Patti Hart are the authors of The Resolutionist: Welcome To The Anti-Retirement Movement. The Harts are living their new life on their own terms, based on twelve Resolutions they developed that define a pathway to make this phase of life the best of their life. And you can apply ideas from their framework to do the same - and measure your progress - as you define it - along the way. Milledge and Patti Hart join us from California. __________________________ Wise Quotes On The Anti-Retirement Movement "This generation of people actually really relates to the word anti. We were anti-war, we're anti-aging or anti-racism. Whatever the word is, it doesn't mean that you're against it. It really means that you're trying to redefine it. And I think that's really why we chose the word anti-retirement to say: How do we get society to shift its thinking about retirement and put it in a new place? If you think about the work we've done with the Stanford Longevity center, we have added 30 years to our lifespan in the last century and that's all in retirement. And so how do we take an anti-retirement approach and say: We're not going to approach this in the same way that historically the world has approached retirement? And if you're anti-something, you're definitely pro-something else." On Prioritizing Yourself "It's important to me because it's something I'd never done before because you're at such a different place in life, where you are more in control of things. Things aren't being set up for you and done for you. I'm making certain that I now [have] no guilt around moving myself up the priority list. It's important for a lot of reasons. I think at this stage of life mental health, self-confidence, and physical health [are] obvious things that matter when you get to this stage of life. But for me, it was the guilt. I had to really deal with the guilt of saying it's okay for me today to spend today on me." On Metrics for Your New Life "We all have lived with scorecards, probably since you were five years old, right? You brought home your first report card from school - and then you find yourself at whatever age you retire. And now there's no scorecard. There's no year-end bonus. There is no raise. There's no promotion. There's no whatever your scorecard was, whatever units it was in. And so it is important to your self-confidence that you actually see yourself making progress, that you see yourself as relevant, that you see yourself as important, and that you see yourself as still accomplishing. But for each person, it's very different. One of the things Milledge and I talk about in our book is really pushing people to try to measure the unmeasurable because the things we have been measuring - wealth and bonuses and money and units of whatever you [tracked ] - are gone. Now, what's your weight? And how many miles did you run today? Those are easy to measure, but we really pushed ourselves to say: How do we measure the unmeasurable? And we did that by saying, What is our desired state? What's the desired outcome? Is it a level of happiness, a level of connectedness, a level of relevancy? What's the end state that you're trying to accomplish? And what moves you towards that and start measuring deeper in the funnel?... We all need to have a measurement system in life, but it does need to be developed around what is important to you." ____________________ Bios Patti Hart Patti Hart spent her early life in a small town in Illinois cheering for her Chicago Cubs, going to public schools and sharing chores with her many siblings.

Oct 4

41 min 1 sec

The pandemic has been a catalyst for reflection on what matters most and what constitutes a good life today. For many, it's sparked a realization that there's much more to life than the traditional model of work and careers. But what's next for you? For those contemplating retiring, perhaps earlier than expected, it's an opportunity to redesign their lives and pivot to a phase with greater meaning and purpose. How are you approaching your second half of life and retiring? Uncertainity leads many people to approach it with trepidation. Michael Clinton, the author of the new book ROAR into the second half of your life (before it's too late!), asserts that there's a better way. We discuss his four-part process to help you take charge of your next phase. __________________________ Bio Michael Clinton is the former President and Publishing Director of Hearst Magazines and is currently the special media advisor to the CEO of the Hearst Corporation. He is also a writer and photographer who has traveled to over 120 countries. He has appeared in the New York Times, The Wall Street Journal, Town and Country, O, the Oprah Magazine, and other national media. Clinton is the Founder of Circle of Generosity, a nonprofit that grants random acts of kindness to those in need and serves on multiple nonprofit boards. His newest book, ROAR into the second half of your life (before it's too late!) is a manifesto on how to get the most out of your life experience in work, lifestyle, and relationships. __________________________ Wise Quotes On the acronym ROAR "First of all, the awareness of if you're 50 and you're healthy today, you have a really good shot at living to be 90 - or a hundred. And the construct that we were handed by our parents - and by both government policy and corporations - is a very outdated construct. The days they were developed in were the days when the life expectancy quite honestly was in the early 60s. And so you'd check out of a job and you wouldn't live much longer. Well, all that's changed. So ROAR and the acronym that it stands for is designed to help people have that aha moment about this. So they are: Re-imagine yourself and be one of those "Re-Imagineers" before others do it for you, whether it is being laid off or pushed out or any of the above. And re-imagining your favorite future, especially if you're going to have this long life arc, the O is own who you are. I like to call it a midlife awakening, not a midlife crisis because once you've lived 25 years, you know a lot about yourself. So use that awakening [to accept ]that you've made good decisions and bad decisions - just kind of own them and assess where you are right now.  But at the same time, own your numbers. Think about it - it's amazing to me, Joe, how many people I ask what's your blood pressure or your heart rate, and they're completely clueless. And that's not a good thing because as we live longer, we need to keep our health numbers and metrics in place with our financial numbers. We need to own our successes and our failures. So, own who you are, is a big part of this book, and what's next for you. A is Act now with this concept called life layering, which I hope we can get into and talk about. And then the final R is reassess your relationships, because when you're in midlife and you want to make a change in whatever part of your life you're talking about, you need the support of your family, your friends, your community, your colleagues. They're the ones who are going to help facilitate that. And so you gotta really have a clear, clear head as to who they are and who your posse will be to get you there. So it's this four-step process, which is in the book, which stands for ROAR." On Being Person-Appropriate - Not Age-Appropriate "We all are sort of wired to think about what a 50-plus life is supposed to be, which is an outdated concept. So the biggest mistake people make is they create self-imposed ages.

Sep 27

26 min 55 sec

Achieving the financial security to retire is a big milestone. But you're not done. There's inner work to be done to move into this next phase of life. Retired psychotherapist and bestselling author Connie Zweig joins our retirement podcast to discuss her new book The Inner Work of Age: Shifting from Role to Soul - and her insights on how reflection and contemplation can be valuable practices in your transition. We discuss: How retirement can be a catalyst for an inner journey to reimagine life What the words retire and yoga have in common The obstacles often encountered on this inner journey - and what Shadow Work is How an Identity Crisis following retirement is different from a Mid-life Crisis Why letting go is important – and challenging Her own journey in retiring as a therapist – and what it’s taught her What she's learned from grandparenting What an Elder is – and how one becomes one How people can come to view retirement as a spiritual journey The main message of her new book The Inner Work of Age: Shifting from Role to Soul Connie joins us from California. __________________________ Thank You Thanks to our wise guests and loyal listeners The Retirement Wisdom Podcast is among the top 3% in popularity globally according to Listen Notes. __________________________ Bio Connie Zweig, Ph.D., is a retired therapist, co-author of Meeting the Shadow and Romancing the Shadow, author of Meeting the Shadow of Spirituality and a novel, A Moth to the Flame: The Life of Sufi Poet Rumi. Her new book, The Inner Work of Age: Shifting from Role to Soul, extends shadow-work into late life and teaches aging as a spiritual practice. Connie has been doing contemplative practices for 50 years. She is a wife and grandmother and was initiated as an Elder by Sage-ing International in 2017. After investing in all these roles, she is practicing the shift from role to soul. __________________________ Wise Quotes On Letting Go "My framework in the book is that the shift from senior to Elder in late life is a rite of passage. And we don't have rites of passage for elders in our culture, right? It just doesn't exist. So there are three stages of every rite of passage - and the first stage is letting go. And that might mean letting go of outworn roles or attitudes, letting go of outworn beliefs, or self-images or relationships that don't work - or jobs, or finances, or goals of some kind. And so letting go at every stage of life is hard because as humans, we bond, and we get attached. And with our egos to try to control everything. But to become an Elder, we actually need to let go of the Ego's agenda and step into a different speed limit, a different pace of life, a different sense of flow. I call it from Obligation to Flow - and we need to let go of the past. A lot of people are clinging to the past, feel regret about the past, and need to give and receive forgiveness about the past. So there's a chapter about how to do the emotional work to help us let go of the past so that we can live fully in the present because many people don't know how to do that. They don't really know how to be here and enjoy it fully." On Becoming an Elder "I think this is very individual, but what I explore in the book is that everyone becomes a senior with a Medicare birthday, but becoming an elder is not an age. It's a stage. It requires intention and what I call inner work so that there's a certain level of self-knowledge and awareness and ways of relating and a desire to give to the common good. Some people are Activists Elders, and some are Creative Elders and some are Spiritual Elders. So we can transmit the knowledge of our lives in many different ways, but there is this impulse of generosity to give back." On a Life Review "There are lots of tools in the book. The last person I spoke with before you today said, she's having to really chew it and digest it. It's not a quick read.

Sep 20

35 min 41 sec

It's a blast to dream about your retirement. Freedom. Flexibility. Fun. Just like you see in the commercials and the brochures. But if you want to truly retire happy and lead a life of fulfillment, you'll need to prepare better. You'll want to go beyond the highlights and take a serious look at what your day-to-day life will really be like - and what it will be about. Tony Hixon, author of the new book, Retirement Stepping Stones, joins our retirement podcast to share his experiences and insights on how you can prepare for the stumbling blocks that can arise in retirement -  and how you can find a new purpose after you leave the world full-time work. We discuss: The tragedy that forever changed how he sees retirement - and why he's on a mission to help people prepare differently The most challenging stumbling blocks people face in retirement The key solutions to those challenges Why you should dream big about your retirement - but why you should look past your highlight reel version of it How career burnout can get in the way of a great retirement Why retirement isn't for everyone - and why you need a Plan B How your legacy should be part of your retirement planning Tony Hixon joins us from Ohio. ____________________________ Thanks to our wise guests and loyal listeners The Retirement Wisdom Podcast is among the top 3% in popularity globally according to Listen Notes. ____________________________ Wise Quotes On Transitioning to Retirement  "You retire one day and [on] the last day they throw you a party. Your email is still active and you get probably a hundred to three hundred emails. And then the party's over. The cake has been eaten. You had the weekend to kind of recoup and Monday morning rolls around. And you open up that email account. It's been deactivated. You switch to your personal email and there are only two [emails ] there, and both of them are junk. So it kind of messes with your mind. You're not quite sure what this new phase of life should look like. You've had the ideal version of what retirement will be based on all the commercials and the Americanization of what retirement is, but perhaps you haven't done the correct work on what you're retiring to. You certainly know what you're retiring from, but you don't necessarily have an idea of what you're retiring to. So that loss of meaning and purpose is certainly a stumbling block that we see many clients face in retirement. Just not knowing for sure if they're needed anymore."   On Purpose and Legacy "However, we often encourage our clients to think more deeply about the kind of emotional impact they want to make on their family and their friends and their community. We ask them questions - and I'd ask your listeners these questions: What lessons do you want to impart? How do you want people to feel when you interact with them? What do you want to be remembered for? These questions are certainly as important - if not more so - than planning for the financial strategy to care for your loved ones. Remember you get to define your legacy. How you live each day builds the legacy that you want to leave behind. Don't be afraid to start living with purpose. It's never too late - or too early - to start." ________________________ Bio Tony Hixon, CIMA®, RFC® is the author of the new book Retirement Stepping Stones: Find Meaning, Live with Purpose, and Leave a Legacy. Mr. Hixon is co-founder, Chief Operating Officer, and Chief Compliance Officer of Hixon Zuercher Capital Management.  As Chief Operating Officer, Tony is responsible for overseeing the administration and compliance of the firm.  In addition to managing the firm’s operations, Tony serves on the firm’s Investment Committee and is a co-Portfolio Manager, an Analyst, and Trader. Tony has experience providing investment services since 2003 and providing financial advisory services since 1999.

Sep 13

31 min 31 sec

What's more important than Wellness? You want a healthy portfolio when y0u retire, but most importantly, you want a healthy you. This Best of The Retirement Wisdom Podcast episode highlights valuable practical advice from our guests on wise moves to take charge of your wellness and fitness. Listen to the full conversations: John LaPuma, MD Marta Zaraska Kelli Harding, MD, MPH Kelly McGonigal, PhD BJ Fogg, PhD _________________________ Thanks to our outstanding guests and loyal listeners, The Retirement Wisdom Podcast is ranked in the top 3% of podcasts globally in popularity according to Listen Notes. Browse all 4 Seasons of our episodes here Follow: Apple Podcasts | Google Podcasts | Spotify | iHeartRadio | Stitcher | TuneIn | RSS | More __________________________ Related Retirement Blog Posts A Diagnosis Leads to a Retirement Course Correction Tiny Habits That Deliver Big Changes Put the Bounce Back in Your Retirement Because of the excellent writing of contributor Bev Bachel, The RW Blog was named as one of the Best Blogs to Read in 2021 by Blog Overview __________________________ Take Charge Ready to take charge of your wellness? It begins with building the right habits - by starting small - actually tiny. Schedule a free call with Joe Casey, a Certified Tiny Habits coach at Retirement Wisdom, about his 4-week one-on-one coaching program to build the habits you want.

Sep 6

12 min 33 sec

What will help you retire happy? After a long career, are you looking for a retirement life that has more variety and flexibility? And a rich, diverse set of activities and interests that you can build gradually and adjust as you go? Our guest on this retirement podcast is Andy Robin, a retired technology executive who's doing just that. He's joining us to share insights from his book Tapas Life: A Rich and Rewarding Life After Your Long Career. Andy joins us from California. _________________________ Are you ready to discover your new life? Our Design Your New Life group program kicks off on September 24th. It’s limited to 10 participants. Learn more here. __________________________ Bio Andrew Robin, known to most as Andy, was born in Chicago and raised in Mexico City.  He holds a BA in Computer Science from the University of Texas at Austin and an MBA from Harvard University.  He has been happily married to Carole for 35 years, and they have two fine kids, Nick, 33, and Molly, 31. Andy was an entrepreneur with his dad in the computer industry in the early ‘70s in Mexico City (his dad moved the family there from Chicago to pursue an opportunity).  He was in the semiconductor industry for 22 years (at Mostek, Monolithic Memories, AMD, and Lattice), mostly in marketing, but also as a general manager, and most recently as VP of New Business Ventures.  He was a house dad from 2002 to 2007 until Carole and Andy’s youngest went off to college. Today he retains the duties of shopping/cooking, household maintenance, travel planning, and finances.  He also plays a lot of classical piano, some golf, enjoyed 6 years on the Board and Executive Committee of his large synagogue (Congregation Beth Am of Los Altos Hills), where he was also co-chair of raising an endowment, was part-time CEO of a promising tech start-up for 6 years (and remains on the Board), is an Executive Coach and Life Coach, serves on the Board of a foundation in Palo Alto and a NYC hedge fund and enjoys day-trips, lectures, and concerts around the San Francisco Bay Area and Silicon Valley. Andy wrote Tapas Life to do some good for others. Andy’s wife, Carole Robin, wrote a terrific book for Penguin RandomHouse with her colleague David Bradford:  Connect:  Building Exceptional Relationships With Family, Friends, and Colleagues.  It distills the combined 70 years she and David enjoyed teaching the Interpersonal Dynamics course at Stanford Graduate School of Business.  She believes that when more people embrace the learnings in her book, the world will be a better place. __________________________ On a Tapas Life "For those who don't know is it's one of the foods of Spain. It's the concept that instead of having an American style, large porterhouse steak on your plate with some potatoes and a veggie, instead you have a bunch of little dishes, and often times the table orders six or eight little dishes as you go. You order a few more and so on. And so it's almost like a little buffet that you make yourself at your own table. And that's kind of how I think about the Tapas Life. During what I call my long career decades of working in an office, that was my big job. And I probably did that 45 to 60 hours a week for decades. My plate was very full for decades. And now that I'm done with my long career, instead, I like to assemble a number of smaller activities that comprise my life today. It's rich and rewarding. It's tasty and interesting. It's varied and enjoyable. And also one of those Tapas is meaningful. So I'm also doing some good for others on the planet." Examples of a Tapas Life "I've seen others who have done important things about social connection for Tapas. What I write about in the book that I just loved is one couple I interviewed who said that once a month they get together with another couple for a weekend. And they alternate each month. It's one couple's responsibility to figure out, within a three-hour drive,

Aug 30

44 min 31 sec

Can you get stronger after 50? Strength training, done properly and safely, can bolster your wellness. It's a key component of an overall fitness plan. Our guest, Dave Durell, shares his experience on how to do it right. Dave joins us from Florida. ________________________ Are you ready to discover your new life? Design Your New Life with a proven three-phase process to explore alternative versions of your future using the principles of design thinking. Schedule a call to learn how it can help you get unstuck & move forward. __________________________ Bio Dave Durell has formerly worked as a Strength and Conditioning Assistant with the Tampa Bay Buccaneers, a Strength and Conditioning Consultant to the Jacksonville Jaguars, and the Assistant Strength and Conditioning Coach at Southeast Missouri State University. He has been published in the Journal of Strength and Conditioning Research and has written 2 books on strength training. He holds a Master’s Degree in Health Fitness Administration and is a Master Level Personal Trainer and a licensed Physical Therapist Assistant. After turning 50, Dave started feeling the effects of age-related wear and tear on his body, just as many people do. Knowing he had to figure out how to change his own workouts to overcome these limitations, Dave called upon the knowledge and experience he had gained over 35+ years in personal training, athletic strength and conditioning, and physical therapy, and created the Stay Strong Forever program, a unique strength training system that is especially suited for those over 50. __________________________ Wise Quotes On Why You Need Strength Training "Once we get into probably our forties or so, there's a physiological process called sarcopenia that begins to manifest itself. And it sticks with us for life. Sarcopenia is age-related muscle loss and experts estimate it causes us to lose around half a pound of muscle per year. On average, that's about five pounds of movement producing muscle tissue per decade. This would be like the engine in your car shrinking and losing horsepower every year. It's not a good thing. And it gets worse. Assuming we maintain the same eating habits throughout the years that lost muscle will be replaced by stored body fat." On Recovery "Strength training is going to give you the biggest bang for your buck time-wise and done properly. It requires very little time under 45 minutes, a couple of times a week. Another point is strength training is instrumental in reducing the risk of injuries. So people that regularly engage in sports-type activities, whether they're runners or they're in the local cycling club, or they play tennis, strength training is important to help make you more resistant to the injuries you might possibly inflict during those types of activities. So it's important for that reason. Of course, I'm not saying people should only do strength training and be sedentary the rest of the time. I'm a big believer that we rust out faster than we wear out. So I want everybody to be active, at least engaging in low moderate intensity, leisure activities or exercise on their non-strength training days." __________________________ For More on Dave Durell Website __________________________ Podcast Episodes You May Like The Joy of Movement – Kelly McGonigal The Future You – Brian David Johnson How to Make Healthy Lifestyle Choices – Alan Carpenter Best of The Retirement Wisdom Podcast – On Successful Aging Believe In Yourself & Try Something New – Carol Cooke Tiny Habits Can Lead to Big Changes – BJ Fogg ____________________________ About Retirement Wisdom What do you want your new life to look like? Even if you have some ideas about your future, it can be hard to figure out exactly how to get there. You need a structured, principle-based process – and a guide you can trust. Our Certified Designing Your Life coach can help you envision and transition ...

Aug 23

36 min 44 sec

Positive aging can bolster your retirement. It includes cultivating your mindset, your engagement, creativity, and gratitude. Author Stephanie Raffelock shares her insights on positive aging and explains how you can reclaim what you love. Stephanie joins us from Austin, Texas. __________________________ Are you ready to design your new life? Our group program kicks off on September 24th. It’s limited to 10 participants. Learn more here. _______________________ Wise Quotes On Reflection "There are these wonderful arcs in our life. We don't get a chance to reflect upon them when we're in the midst of them. When you're in your thirties and you find a way to make a mortgage and marriage and kids work, we don't really reflect on what that is. But I think when you get to be 70 years old, you can sit back and go, Wow, I did good. We both tried our best when I say we both. I'm thinking of my husband. So I think that's one of the gifts of growing older. I think another gift of growing older is that we don't have to be the center of attention anymore, not the way that we did in more youthful days. We can kind of sit back a little bit and become the observer and become the appreciator. ...That's part of the gift of aging that you can actually sit still long enough to ponder these things." On Reclamation "I also think that there's a period or an opportunity for reclamation. And what I mean by that is as we were growing up and becoming mature adults, there were things that we put aside because they just didn't fit into the responsibilities and obligations that we needed to run our lives. For example, my husband was a musician and a bass player and loved the bass. And yet during most of our marriage, he didn't touch the bass, but then we hit retirement years and suddenly he started playing the bass. Again, he reclaimed that for himself and the music keeps him mentally young and because of the magic of the internet he can play with any bands now online, he can go online and take online courses in the bass. And so there's this great period of reclamation to you. We can reclaim those things. I think too that creativity is something that we can embrace in older years. We can give ourselves to the creative endeavor without having to worry about the accolades of fame and fortune around our art, our master gardening, our expert cooking, our writing. We can just do those things for the sake of creating and for the sake of art. And that definitely keeps us feeling, I think, vibrant and younger and gives us a sense of purposefulness in our life." On Creativity "I think it's a matter of surrendering what is it that you love to do that makes things, That can be master gardening, that can be music. It can be art, it can be any of those things. And I don't think we're as judgmental of ourselves at this phase of life as we were in our youth. So it doesn't really matter what the picture looks like. You're not trying to get into the Met. It's just a matter of giving yourself to the process. It's the process of creativity that I think speaks to our brain and our heart." On Power "I think the big thing that we learned from women is that the word power means something different to women. And I think that as a culture, men and women have to redefine power for meaning more than it currently does. Power has been traditionally a male word. Men have power over something. It's a warrior kind of word. Power means I can do what I want. I can take this from you. Power is for winners, that kind of power. When women talk about power, it's more the sense of knowing themselves, standing in the knowledge of self, and approaching the world from a place that is more heart-oriented. Now, I don't believe that men have to become like women or that women have to become like men. But what I see in the word power is that we have to find a greater balance with that word, that that word doesn't necessarily have to mean I have power over you.

Aug 17

31 min 11 sec

Have you ever wondered about your family history and what it means for your legacy?  We asked Laurie Hermance-Moore, an accredited Genealogist to help us get smarter about the topic. We discuss: What a professional Genealogist does How understanding family history can be an important part of someone’s legacy What's possible to learn about your family history - and what's not The biggest obstacles to overcome in a family history project What you can do on your own - and where a professional Genealogist can help How she's helped people discover their family history When someone may need a Forensic Genealogist Why this may be an interesting project in retirement Laurie joins us from Ohio. ___________________________ Ready to design your new life in retirement? Our group program kicks off on September 24th. It’s limited to 10 participants. Learn more here. __________________________ Bio Laurie Hermance-Moore is a history geek turned librarian, digital agency strategist, and professional genealogist. Her passion is helping individuals connect with the people that matter to them. As a researcher, she loves finding those elusive records that will solve a mystery—and creates experiences for her clients that bring an ancestor to life in the context of history. Laurie has more than 20 years of experience working in digital marketing agencies, serving other professionals at large companies. She enjoyed working directly with executives on strategic planning, developing brands, and conducting market research to better understand how consumers think and feel. Laurie is an adoptee that found her amazing birth family and now feels as though she’s been adopted a second time.  Because it took her fifty years to actually know who her family is, she figures that’s why she’s been blessed with especially interesting ancestors who were on the leading edge of westward migration. Laurie holds a B.A. History from the University of Kansas, a Master’s in Library Science from the University of Alabama, a Master’s in Marketing from Franklin University, and the Certificate in Genealogical Research from Boston University.  She is a member of the Association of Professional Genealogists, the National Genealogical Society, and serves on the board of the Ohio Genealogical Society as 1st Vice President. She received her accreditation in genealogy research in the U.S. Midwest states through the International Commission for the Accreditation of Professional Genealogists (ICAPGen℠). She resides in Ohio with her husband and at least two cats. _________________________ Wise Quotes On the Gifts of Family History "What do you do with all the other things that you're going to leave behind or could leave behind? So, I like to define legacy as the thoughtful and intentional process of deciding on the gifts to share with future generations. And those gifts can be a lot more than money. Those gifts can be your family history. They can be your story. They can be the traditions that your family has, they can be knowledge that you've gained. There's a whole lot more there. That can be a gift to a future generation...I think that the important thing here is to figure out which are the things that really speak to your family's history." On Geneology Travel " of the most interesting and rewarding things that you can do is genealogy travel. So whether it's to a place in the US, or Europe, standing on the land of your ancestors can really impact you. One time I was in Kansas City with a coworker and her family had traveled the Oregon Trail. And I said, well, we need to go out to Minor Park. And she said, Why? And I said, well, did you know that the routes of the Oregon Trail still exist in the Kansas City area? Because that's where people started from. They went West to Independence, Missouri. But in this one city park, in, in Kansas City, the southern side of Kansas City,

Aug 9

34 min 23 sec

Planning for retirement is a delicate balancing act. Focusing on the practical realities is essential. But it's important to imagine your future with a sense of adventure, too. Harriet Edleson, the author of 12 Ways to Retire on Less: Planning an Affordable Future joins us to discuss how to plan your retirement with both in mind. We discuss: The hopes and dreams people have for their retirement How a sense of adventure can boost your retirement planning The realities of retirement today - and the implications that can be underestimated How to find the perfect location for your retirement Considerations for Staying-in-Place The case for – and against – working longer A case study from her book 12 Ways to Retire on Less Common mistakes people make in planning for retirement – and how you can avoid them ________________________ Ready to design your new life in retirement? Our group program kicks off on September 24th. It’s limited to 10 participants. Learn more here. ________________________ Bio Harriet Edleson is the author of 12 Ways to Retire on Less: Planning an Affordable Future. She writes for the Washington Post Real Estate section and A former staff writer for AARP and contributing writer to Kiplinger's Retirement Report, she has written the Retiring feature for the New York Times. _________________________ Wise Quotes On the Dreaming Aspect of Retirement Planning "...I think that the dreaming aspect is something that gets the wheels spinning and thinking about something other than the kind of life that you've had for maybe 30, 40, or whatever number of years where you were in some kind of a routine, some kind of a structure where you had to be somewhere, you had to do something. Maybe you had to answer to a supervisor, people call it their boss, whatever. And now you can really - if you plan correctly - do what you want. And so you have to stop before you retire and think about what it is that you would enjoy, what maybe you haven't had time to do, or [how] to rekindle an older interest."   What If Money Were No Object? "Will I have enough? Will I run out? Which a lot of people have the fear of. And then once you've got that straightened out, then you think what are the things that I really would love to do? I'd love to get a second home. For example, I'd love to ski. Again, there are people who want to do these things. There are people who might want to travel around the world. So then you figure out: how much is this going to cost me? So the dreaming has to be in the context, of course, of what you can afford. But at some point, you can just say: If money were no object, what would I want to do? And you can sit down with your spouse of 30 years or partner, whoever it is that you share your life with, or if you're solo,  and actually write down some of those things: if money were no object, what would I want to do? I want to take a balloon ride, whatever it is that you think you might want to do- or d0 you want to be able to fly back and forth between three homes, whatever it is, actually allow yourself to fantasize a bit and get away from the same little box that you have been in for maybe...20, 30 or more years."   On Deciding Where to Retire "...List your priorities and then figure out places that would match those. And the second thing is to consider places that you vacation to and love, but realizing that the vacation time will be very different than living there in all four seasons if you think you may be doing that. So you might want to test out the place in the different seasons and check out the weather. And when you talk about the weather, think about the weather with today's climate change, not the weather that was 10 years ago because of weather may be very different now. And you may be [surprised] when people tell me it's 110 here. ...Well, when you moved there, what was it? Oh,

Aug 2

35 min 26 sec

  To celebrate the 100th episode of The Retirement Wisdom Podcast, we've invited three special previous guests for a panel discussion on the challenges retirees face today, how to age wisely, and retire happy. We are grateful for all our guests who've shared their insights and wisdom on our retirement podcast - and to you, our listeners. We discuss: What makes retirement so different today The biggest challenges today's retirees face and how to retire happy Their favorite stories from the retirees they've profiled What people who are still working full-time need to know about life in “retirement” What should retirement be called now? The key ingredients of a life well-lived – that are often overlooked _______________________ Ready to design your new life in retirement? Our group program kicks off on September 24th. It's limited to 10 participants. Learn more here. ________________________ Top Retirement Podcasts to Follow in 2021 The Retirement Wisdom Podcast was named to Feedspot's list of the best retirement podcasts. ________________________ Bios Melissa Davey Melissa Davey is a documentary filmmaker who lives in Valley Forge, PA, and created Beyond Sixty (now available on TV and streaming platforms). She is a wife, a mother, and a grandmother to three young boys. She is a world traveler and curious about everything unknown. She recently retired after more than two decades from GENEX Services Inc., where she was recruited to build and operate the company's Social Security representation division. GENEX is the largest Managed Care case management organization in the U.S.  Prior to GENEX, Melissa had almost twenty years of diversified experience in the field of disability. She held senior leadership and management positions throughout her career. Melissa's second act is fueled by a lifelong passion for film and story-telling. Previous conversations: What Do You Really Want to Do?  |   Take the Detour --- Richard Haiduck Richard Haiduck is a former life sciences executive and mentor and now has an active retirement. He is becoming the Voice of Boomer Retirement Stories. He is immersed in challenging the boundaries of his own retirement, while observing the experiences and areas of curiosity of his fellow retirees. At age 7, he was sure he wanted to be an author. Now, 66 years later, that dream has become a reality. The inspiration for the book came from hearing about the meaningful journeys in retirement taken by friends and colleagues. They were doing fascinating activities at this stage of their life, and often completely new directions from their prior careers. The idea that these stories could become a book became a driving force for Richard. His 75+ interviews and his frequent social media interactions have developed his perspectives and insights on the retirement activities of the boomer generation. Richard's prior roles as both a leader and a mentor have been based on his ability to listen and to get people to share their feelings. He uses a style of interviewing with short, open questions to get people to open up about their retirement stories. The result is Shifting Gears: 50 Baby Boomers Share Their Meaningful Journeys in Retirement now available as an audiobook. He graduated from Miami University and got his MBA from Xavier University. He is happily married to his wife of 52 years and has 2 daughters and 4 grandsons. His own retirement has been hyperactive. He learns new things through weekly interactions at Stanford, formerly via attending lectures and via zoom during the pandemic. Each year he reads about 100 books and bikes more than 3000 miles. He mentors organizations serving refugees and small farmers in Ghana. He combines family time with domestic and international travel. Previous conversation: Are You Ready to Shift Gears? --- Dr. Thelma Reese Thelma Reese, is the co-author of How Seniors Are Saving The World: Retirement Activi...

Jul 26

49 min 28 sec

What happens when successful people are too busy or too distracted to plan for the non-financial side of retirement? Former Senator Ted Kaufman and former management consultant Bruce Hiland saw it time and again with their retired friends. And it led them to collaborate on the new book Retiring? Your Next Chapter is About Much More Than Money. It's a succinct, practical guide, written in a conversational tone, to help you prepare for retiring beyond financial security. To thrive in your next chapter, you'll need to be equally well-prepared for the personal and life changes that retiring brings. We discuss: The stories of their (multiple) retirements What they noticed about their retired friends - and why they were unhappy What's different about retirement today that changes how you plan for it What gets in the way of planning well for the non-financial aspects of retirement How to know when it's time to retire What they've learned about Identity and retirement The role of spirituality and purpose in retirement How they continue to learn and grow in retirement Their key messages on what you need to know to plan well for life in retirement _____________ Bios Ted Kaufman Edward E. "Ted" Kaufman represented Delaware in the United States Senate from January 15, 2009 to November 15, 2010. Democrat Ted Kaufman was appointed by Governor Ruth Ann Minner to fill the Senate vacancy caused by the resignation of newly elected Vice President Joseph R. Biden, Jr.; Senator Ted Kaufman did not seek election to the office in a special election for the seat in November 2010. Edward E. Kaufman, known personally and professionally as "Ted," was born in Philadelphia, Pennsylvania, on March 15, 1939, to Helen Carroll and Manuel Kaufman. His mother was a teacher and his father, a social worker, was Deputy Commissioner of Public Welfare. Ted Kaufman attended Central High School in Philadelphia. He received a bachelor's of science degree in mechanical engineering from Duke University in 1960. The same year, he married his wife, Lynne Mayo, and they eventually had three daughters. Kaufman began his career as a sales engineer in Charlotte and Raleigh, North Carolina, working for the American Standard Industrial Division, which deepened his interest in marketing and business. Kaufman then pursued a business degree at the University of Pennsylvania where he received an MBA from the Wharton School in 1966. Following graduation, he moved to Delaware to work for the DuPont Company in various technical, marketing, and finance positions. He worked as a technical representative for engineering products in Boston and Los Angeles before returning to Wilmington to work on financial analysis. Back in Delaware, Kaufman became involved in politics. In 1972 Kaufman volunteered to work on the Senate campaign of Democratic candidate Joseph R. "Joe" Biden, Jr. At age 29, Biden was successful in the first of seven elections to represent Delaware in the United States Senate. Kaufman began working on Biden's staff full time in 1973, managing his state office in Wilmington. Kaufman initially planned to stay on Biden's staff for one year with a leave of absence from his work at DuPont. Kaufman stayed on and served as state director in charge of the Wilmington office until 1976 and became Senator Biden's chief of staff from 1976-1995. From the 1980s until 1994, Kaufman also served as an advisory board member of the Congressional Management Foundation, an organization working directly with staff and members of Congress to enhance operations and citizen engagement. In 1995, President Bill Clinton appointed Kaufman as a charter member of the Broadcasting Board of Governors (BBG), an independent, federal agency in charge of all U.S. government and government-sponsored non-military international broadcasting. Kaufman's appointment was confirmed by the U.S. Senate, and he served until 2008. Also during the period 1995-2008,

Jul 19

48 min 34 sec

What happens when someone who's purpose-driven achieves financial independence and doesn't need to work anymore?  How do they create a purpose-driven life in retirement? Casey Weade, the author of  Job Optional*: *The science of retiring with confidence; the art of living with purpose, shares his insights on how to retire with purpose. _______________________ Bio Casey Weade is a sought-after retirement planning professional, speaker and CEO/Chief Visionary of the national financial firm, Howard Bailey. He hosts the "Retire with Purpose" radio, TV show and podcast--providing sound financial guidance to pre-retirees and retirees across the country. He is also a member of the Forbes Finance Council and is a Certified Financial Planner™ (CFP®), Chartered Life Underwriter (CLU®), Retirement Income Certified Professional® (RICP®), an Investment Advisor Representative, and holds licenses in Life, Accident, and Health insurance. Casey's not only passionate about guiding people toward a financially secure retirement, but he also zones in on what your Golden Years might look like. His "Purpose-Based Retirement" philosophy begins with finding your "why" and building a plan to protect that. In Casey's words, "The path to retirement is all about utilizing offensive strategies. But once you actually get there, the game switches to defending your purpose for retirement, and in turn your life savings from the major risks it will face." Casey is a lifelong Midwest native, and currently resides in Fort Wayne, IN, with his wife and two sons. He sponsors the Howard Bailey Junior Golf Tour as part of the Indiana Golf Foundation, and continues to stay active in his own community by supporting small businesses, local organizations and charities throughout the year. __________________________ Wise Quotes On How to Retire with Purpose "And by going back to work and no longer needing the money, he was able to help people tenfold because he was there for the right reasons. He was there to share what he had learned, his experiences, his knowledge, and his talents with other individuals to help them. And I think every retiree has those things that they've built up throughout their career. That's one of the biggest opportunities that we have as a generation, and as a firm, is to help individuals recognize what those talents are. We go through this working life of say 30, 40, 50 years of experience. And we're really good at some of those things that we did while we're working. It may feel like we no longer want to work. And that may be true that you no longer want to work, but there are certain elements of everyone's career that they actually truly enjoy. And those are usually the areas that Dan Sullivan, a strategic coach, one of my coaches, would say is your unique ability. We uncover those unique abilities, those things that you're really amazing at that you can get lost in doing for hours upon hours. Those are your areas of the biggest impact. And once you reach that level of financial freedom, where you're no longer needing the money, you can pull those elements out of your career. You can pull those unique abilities into your future. And now you can focus all of your time and attention into those areas where you make the biggest impact and all ultimately deliver the most meaning and purpose to your life as a result of delivering that into other people's lives." On the Risk of Inaction "And then we get into strengths, it's, Hey, what are your strengths? Well, you might have a strength in delegation. Maybe you have a strength in the amount of wealth that you've accumulated. Maybe you have a strength in your ability to really think deeply about your future. And we're able to work ourselves through that process, from dangers to opportunities to strengths, to create clarity. And if we don't have clarity, that's going to lead us to overwhelm. It's going to lead us to paralysis by analysis.

Jul 12

42 min 24 sec

What’s the future of retirement post-pandemic? Smart, a leading retirement technology business and one of the UK’s largest providers of retirement plans, recently launched the Future of Global Retirement report. It examines how retirement plans will evolve in the United States, the United Kingdom, and Australia in the years to come, following the coronavirus pandemic. Key U.S. findings from the report found that: Retirement ages are rising, and one in seven Americans now expect to delay their retirement due to COVID-19. 56% of Americans see retirement as a multi-stage transition rather than a one-off event. There's an "advice gap": Many Americans don’t know where they can get retirement advice. Jodan Ledford, the CEO of Smart in the US, joins me today to share his insights. We discuss: Key findings from the Future of Global Retirement report - and what was surprising Why traditional retirement is dead - and why people's retirement planning isn't always in sync with that The biggest concerns and fears people have about retirement post-pandemic What was common and different across different regions When most people plan to access their retirement savings The pandemic's impact on retirement planning Jodan Ledford joins us from Nashville. ________________________ Bio Jodan Ledford is the US CEO of Smart. Before joining Smart, Jodan was the Chief Client Officer at Legal & General Investment Management America (LGIMA), where he oversaw a team of 75-plus spanning Sales, Marketing, Investment Solutions, Product & Corporate Strategy, as well as Multi-Asset Portfolio Management. Joining LGIMA shortly after their US market entry, Jodan led LGIMA's growth in the US market from $10 billion to $130 billion in US  third-party clients over 7 years. Prior to LGIMA, Jodan held positions at UBS Global Asset Management, J.P. Morgan's Investment Banking Division, and Watson Wyatt Worldwide. _________________________ Podcast Episodes You May Like What Trends in Retirement Should You Be Up to Speed On? – Catherine Collinson Getting Things Done In Retirement – David Allen What Can You Do to Age Better? – Anna Dixon Who Will You Be in Retirement? – David Ekerdt The Future You – Brian David Johnson Are You Ready For The New Retirement? – Stephen Chen   Browse all 4 seasons of our retirement podcast here _________________________ About Retirement Wisdom Traditional retirement is obsolete. It simply doesn’t work for most people today. However, it is an important catalyst for the beginning of a new phase of life. But often what’s next isn’t clear. What do you want your new life to look like? Even if you have some ideas about your future, it can be hard to figure out exactly how to get there. You need a sound process – and a guide you can trust. The solution is Retirement Wisdom. Our Certified Designing Your Life coach can help you envision and transition to your new life, using a proven three-phase approach. Imagine new possibilities, evaluate alternative pathways, and create an actionable roadmap to your new lifestyle. Take the first step today. Schedule a free call with Joe Casey to learn more about our coaching programs. ___________________________ Explore

Jul 6

23 min 20 sec

Can a futurist help you create the retirement plan you want? Our guest is Brian David Johnson, who was Intel's first futurist, and is the author of The Future You: Break Through the Fear and Build the Life You Want. Listen in - your Future You will thank you. We discuss: His new book The Future You What a futurist does - and doesn't do The common misconceptions people have about the future The most underutilized tool in retirement planning Futurecasting, backcasting, and threatcasting - and how they can sharpen your retirement plan Why storytelling is important to your future How planning for two futures is wise Why he thinks the future is local Brian David Johnson joins us from Oregon. _________________________ Bio Brian David Johnson is a Professor of Practice at Arizona State University’s School for the Future of Innovation in Society, and a Futurist and Fellow at Frost & Sullivan, a visionary innovation company that’s focused on growth. He also works with governments, militaries, trade organizations, and startups to help them envision their future. He has over 30 patents and is the author of a number of books of fiction and nonfiction, including The Future You: Break Through the Fear and Build the Life You Want, Science Fiction Prototyping; Screen Future: The Future of Entertainment, Computing and the Devices We Love; Humanity and the Machine: What Comes After Greed?; and Vintage Tomorrows: A Historian and a Futurist Journey through Steampunk into the Future of Technology. His writing has appeared in publications ranging from The Wall Street Journal and Slate to IEEE Computer and Successful Farming, and he appears regularly on Bloomberg TV, PBS, Fox News, and the Discovery Channel. He has directed two feature films, and is an illustrator and commissioned painter. _________________________ Wise Quotes On Financial Planning " of the most underutilized tools is financial planning is your imagination because you've got to imagine what you want your future to look like. And then once you can imagine it, then you can start to achieve it." On Futurecasting and Retirement "With retirement, it's one of those things that we're all thinking about, right? And if you're not, you really should be. So, we'll generally give ourselves permission to do it. And the thing about future casting is: Don't just think about tomorrow. Don't think about today. But think a little bit further out. And this is why I think it's really well-designed to think about your retirement. Whether that retirement will be 30 years from now, 20 or 10 years from now,  depending upon where you're doing your planning,  thinking like a futurist and using future casting allows you to really get out there and think about the reality of it - and then get into the details of it. And then as a part of futurecasting, a key component is backcasting: Where do I want to be in the future? Who is that future? Who's living in that retirement? What does that look like? And then what are the steps you need to take to get there, right? Who are the people that are going to help you? What are the tools and who are the experts? And so it really systematically breaks it down for people. So it allows their future and their retirement to feel more accomplishable. That's what a lot of the people I've talked to and the people I've helped[valued]. What they've told me is, 'Wow, okay. It felt like it was something really far out there, but now I really see what I need to do on Monday and I can also track my progress. So I think, in that way, it can, can really help most people to really think like a futurist to prepare for their retirement." On  Your Detailed Story "One of the things that I've learned over the last 25 years is that the way you change your future is you change the story that you're telling yourself about the future that you will live in. And I want you to pause and think about that for a second - because if you c...

Jun 29

47 min 45 sec

Retirement Wisdom helps you balance your retirement planning by attending to how you invest your most valuable asset - your time. No other podcasts cover the non-financial side of retirement planning as in-depth as our retirement podcast. Here's a recap of what we learned in the 3rd month of our 4th season of The Retirement Wisdom Podcast talking with: Chad Willardson on why it's wise to plan holistically for retirement Dr. Krystal Culler on why your planning should include cultivating brain health Chris Mamula on an update of his lessons learned after retiring early at 41 Wendy Marx on reinventing yourself and how to build a new personal brand ___________________________ You can listen to the full conversations here: Plan Holistically for Retirement – Chad Willardson Practices for Brain Health – Dr. Krystal Culler Lessons Learned in Early Retirement – Chris Mamula How’s Your Personal Brand? – Wendy Marx ___________________________ About Retirement Wisdom We help people who are retiring from their primary career – and aren’t done yet –  discover what’s next. A long retirement is a terrible thing to waste - and a meaningful retirement doesn’t just happen by accident. Schedule a call today to discuss how our Designing Your New Life coaching programs can help you make yours great. ______________________________________ Explore  

Jun 21

8 min 32 sec

Are you well-prepared for the transition to retirement and the life you want to lead? It's one of life's major transitions and it takes much more than money. Our guest, Mike Drak, shares his insights from his personal experience with his retirement transition and his recently released book Retirement Heaven or Hell. We discuss: The lessons from his retirement transition What's changed about retirement since he retired in 2014 The different stages of retirement How someone can get to Retirement Heaven and stay out of Retirement Hell How people find purpose in retirement What the pandemic taught him about retirement How people can foster new social connections and find their new tribe in retirement His advice on planning for a great retirement Mike joins us from Toronto. _________________________ Bio After a thirty-eight-year career within the financial services industry, Mike Drak experienced what he has now termed "retirement shock". As a result, Mike spent the next 6 years doing research about retirement which resulted in his best-selling book "Victory Lap Retirement" based on his realization that full stop retirement doesn't work for most people. He most recently released "Retirement Heaven or Hell: Which Will You Choose?" which shares some of Mike's personal experiences in retirement and highlights how people can design and transition to their own unique retirement lifestyle. This book also outlines the valuable retirement lessons learned from the pandemic and introduces nine retirement principles that can support creating a long, healthy, and fulfilling life. __________________________ Wise Quotes On Purpose & Attitude "The biggest one for me was finding purpose, finding a sufficient purpose in retirement, so I wouldn't get bored and I wouldn't get frustrated, and I had a good reason to get out of bed in the morning. That took a lot of time. That was probably one of the most important ones, but there are other ones too that are equally important. If you think about the importance of relationships, that's the key factor in focusing on your health, because without having good health, it doesn't matter how much money you have, you're not going to enjoy yourself in retirement. And having a good attitude is so important. It all comes down to how you look at retirement and what you think about it. If you think retirement is going to be great, odds are, it will be. But if you look at it as a terrible period, when you're going to get old and it's going to suck, well, guess what? So those are important things that I had difficulty with myself." On Planning for a Long Retirement "People...think when you retire, you're going to be the same person for 30 years. You're not. You're going to keep continuing to change and you're going to keep becoming a different person over time. And it's important to understand that and to know what kind of person you want to become because that's where you're going. And it's still becoming someone different than you are before you retire. So you want to be able to sit down and say, okay, this is the kind of person I want to become. This is the lifestyle I want that person to enjoy and start putting those things in place because you're setting yourself up for a 30-year payoff. And you got to do it right. And it's, that's why I say it takes a lot of planning, proper planning." _________________________ For More on Mike Drak Retirement Heaven or Hell Victory Lap Retirement _________________________ Podcast Episodes You May Be Interested In The Skill Set for Life’s Transitions – Bruce Feiler From Finance to Becoming an Author – James Hockenberry Believe In Yourself & Try Something New – Carol Cooke Some Kind of Heaven – Lance Oppenheim Who Will Take Care of You When You Are Older? – Joy Loverde Successful Aging – Daniel Levitin ___________________________ About Retirement Wisdom What’s next?

Jun 14

34 min 54 sec

We all have that inner voice in our heads. In his book Chatter, psychologist Ethan Kross shares insights from his research lab at the University of Michigan on how our self-talk impacts our lives, our attitudes, our health, and our relationships. Chatter includes a range of valuable tools we can use to control our inner critic and tap into our "inner coach." We discuss: His work at the Emotion & Self Control Lab at the University of Michigan. What he learned about introspection from his father. Stats on our inner voice and how often we talk with ourselves. How chatter and negative self-talk impact people. How our inner critic and inner coach work. What happens when we bring our other relationships in the conversation, with things like venting. How people planning for retirement can best deal with uncertainty and fear. Tools he finds useful in managing our inner critic and accessing our inner coach. Ethan Kross joins us from Michigan. _________________________ Bio Ethan Kross is one of the world’s leading experts on controlling the conscious mind. An award-winning professor and bestselling author in the University of Michigan’s top-ranked Psychology Department and its Ross School of Business, he studies how the conversations people have with themselves impact their health, performance, decisions, and relationships. Ethan was born and raised in Brooklyn, New York. He attended the University of Pennsylvania, where he was elected to Phi Beta Kappa and graduated magna cum laude. After earning his Ph.D. in Psychology from Columbia University, Ethan completed a post-doctoral fellowship in social-affective neuroscience to learn about the neural systems that support self-control. He moved to the University of Michigan in 2008, where he founded the Emotion & Self Control Laboratory. Ethan’s research has been published in Science, The New England Journal of Medicine, and The Proceedings of the National Academy of Sciences, among other peer-reviewed journals. He has participated in policy discussions at the White House and has been interviewed on CBS Evening News, Good Morning America, Anderson Cooper Full Circle, and NPR’s Morning Edition. His pioneering research has been featured in The New York Times, The Wall Street Journal, The New Yorker, Harvard Business Review, USA Today, The Economist, The Atlantic, Forbes, and Time. Ethan is the author of the National Bestseller CHATTER: The Voice in Our Head, Why it Matters and How to Harness It, which was chosen as one of the best new books of the year by the Washington Post, CNN and USA Today and the Winning Winter 2021 selection for Malcolm Gladwell, Adam Grant, Susan Cain and Dan Pink’s Next Big Idea Book Club. CHATTER  is scheduled to be translated into over 35 languages. Ethan lives in Ann Arbor with his wife and two daughters. __________________________ Wise Quotes On Our Inner Voice "...we do spend a significant amount of time in this world of words in our head. And sometimes those conversations we have with ourselves can be the source of a lot of joy. Like when you're savoring, you're going over, what happened like a positive experience that might've happened to you, or you're imagining an accolade you might receive in the future. But we also spend a lot of time talking to ourselves in ways that can be really disparaging and make us feel upset. And that really captures this conundrum of self-talk. We have this inner voice that on the one hand can be this, this great source of wisdom and self-confidence and a wonderful coach. But on the other hand, we also have this inner voice that could turn into a really harsh critic..." On Chatter versus Negative Self-Talk "I think of negative self-talk and, in particular, I want to make a distinction between negative self-talk and chatter. And I want to make a distinction between them for the following reasons. Sometimes we say negative things to ourselves which can cause us to feel ba...

Jun 7

30 min 57 sec

Do you have an encore career in you? An interest you've always wanted to pursue, if only you had the time? Maybe you've dreamed of becoming an author in your second career. Our guest, Jim Hockenberry, retired from a successful corporate career at 55 and did just that, writing not one book, but three. He's the author of an award-winning historical fiction trilogy. Jim joins us from Princeton, New Jersey. ________________________ Bio James Hockenberry, of Princeton, NJ, grew up in Bronxville, just outside of NYC. Bronxville is featured in a chapter of his first thriller, Over Here. James has authored an award-winning "World War One Intrigue Series". The historical fiction series interweaves three of his long-time passions: history, literature, and his German-American roots. He has lectured locally on World War One, including at the State Library in Trenton and the Princeton Present Day Club. A career financial executive, with degrees from Lafayette College and Columbia University, he began as a CPA with Ernst & Young. After moving to W. R. Grace, they transferred him to their European Headquarters in Lausanne, Switzerland where he lived for 15 years. He returned to the US, put his financial career behind him, and began to research history and write thrillers. For the last fifteen years, he has run the Princeton Chapter of the Financial Network Group (FENG) with over 2,200 members. ________________________ Wise Quotes On Becoming an Author as a Second Act "Well, let me just say first, it's not really a question of how I did it, but why it took so long. I had a successful and rewarding business career coming out of graduate school and that took me to age 55. At that point, I was financially secure and I wanted to adjust my life and balance priorities. I had always wanted to write a book. So I made the change from a financial executive to a writer and I never looked back. So I never really walked away from my financial career. What I would rather say is it reached a natural conclusion and I moved in a different direction. One of your guests in the past (Dr. Barbara O'Neill) has talked about the term, FIND - F-I-N-D - Financial Independence, New Directions - and that's what I've done. But I like to use the term re-tire (re- dash- tire). What I mean by that is you put four new tires on your car, and drive off to your future life." On Networking "And I would say if there's a motto for networking, it's 'What goes around, comes around.'  Somebody helps somebody, and they help somebody else, and that person might help me back. And for me, it's a way of giving back on what I call skills of life that I have learned. Which is interesting because I brought some of those skills back into my author gig. Some of them might be personal branding. It's very important for an executive to be able to do that. And if I learned one thing it was this: the only thing you can control is how you feel about things. If you go into a pitch to an agent, or if you go into an interview, and you've got a bad attitude, you're not going to go anywhere. Writing is a people business. Finance is a people business. You've got to have a good attitude - and that's really important how you shape it." On Trying New Things "I've got friends coming out of corporate America who are bored. They never had another interest. They can't find anything to do. It's really funny to me, very sad. I've always had new ideas to pursue. Another thing is you got to embrace new things, learn new skills. I don't care what that is - if it's woodworking, if it's painting, or if it's gardening, which my mother loves to do in her later age. For me, it was writing books. And so what you've got to do is you got to experiment. You've got to test things...The other thing that I think is very important,  I've learned this again through FENG, is you've got to reach out to other people. They can help you. So for example, if you're not sure where you want to go,

May 31

44 min 19 sec

Could an Encore Career be in your future? How do you transition to a second career with purpose? Our guest, Ruth Wooden, is in her encore career - and it led her to create a program to help others build their own encore careers. Ruth joins us from Hawaii. _________________________ Bio Ruth Wooden retired in 2011 from her career in communications in both the commercial and nonprofit sectors. In retirement, she went back to grad school and received an MA in religious studies from Union Theological Seminary in New York City. That experience led her to design a non-degree class for adults 55 plus - the Encore Transition Program - which combines discernment about aging and spirituality and experiential social justice opportunities in the nonprofit, religious or public sectors. Ruth Wooden’s career encompassed 30 years of experience in marketing and advertising, including serving for 12 years as President and Chief Executive Officer of The Advertising Council, the leading producer of public service communications programs in the United States. She also served as President of Public Agenda, which was founded in 1975 by former Secretary of State Cyrus Vance and social scientist Daniel Yankelovich to help citizens better understand critical policy issues and to help the nation’s leaders better understand the public’s point of view. Before serving as Public Agenda’s President, she was Senior Counselor at the international communications firm, Porter Novelli and she also served as the volunteer coordinator of the “Madison Avenue” advertising team for the Presidential Campaign of Senator Bill Bradley. Ruth Wooden also served as the Board Chair of, the leading voice in research and advocacy for building a movement to tap the skills and experiences of those in midlife and beyond. _________________________ Wise Quotes On Purpose "This was the one and that really clued us into service or community activism as a definer of the Encore stage, the Encore ethic, the Encore movement. It isn't just about what you do in your Encore stage. Say at 60 or after retirement, it's about purpose. That's endemic to the definition in our view. There are lots of things we all do. I like to read and walk on the beach and play with my nieces and nephews and whatever, but purpose is inextricably linked to the idea of the Encore movement." On Seminal Moments "If you arrive at 65, let's just use 65, and you're in reasonably good health and you feel reconciled to having a good ending to your work life. Then I think people do turn to, you know what's right in line with Erik Erikson's developmental stage model. It's what he calls the longevity stage. But then he talks about the generativity stage. What do you generate at this time? And in history, most of that generativity work has been a legacy with your family, whether it's a financial legacy or storytelling, but now there are a few more years of that legacy moment. And so people do turn to thinking about what's next. For a lot of people, it's a continuation of what they were doing, but they go deeper. I teach this class at Union called the Encore Transition Program. We can talk about our Encore transition phase because it is a seminal transition moment. It's like getting married or [other] big moments like becoming an empty nester. These are seminal life moments where things change. So what I've noticed is that for a lot of people, their world, in some ways, gets narrower, but deeper. A number of people find themselves deeply engaged with their families or deeply engaged with a small group of friends. They don't have as many acquaintances anymore and they also get more engaged in their community and with more one-on-one kinds of things. They're not so likely to be writing the operational plan for a protest, but they might join it. It tends to be a little bit more individual. So I like to think of it for a lot of people, it's a conscious choice to be somewhat narrower,

May 24

46 min 58 sec

What happens when unforeseen events thwart your plans? Will you have the positive attitude, resilience, and perseverance you'll need to overcome adversity? Our guest today is Carol Cooke, AM, a Canadian-born Australian cyclist, swimmer, and rower and the author of Finding Your Inner Gold. Her compelling and inspiring story is one of perseverance and overcoming adversity by adapting with a positive attitude - and openness to pivoting to something new. Carol joins us from Australia. _________________________ Bio After 41 years of training, 2 countries, 3 sports, and one devastating diagnosis, Carol Cooke’s dream of winning a gold medal came true at 51. This is her story. Carol was born and bred in Toronto, Canada where she fulfilled a life-long dream of following in the footsteps of her family and served as a member of the Toronto Police Force in Canada for fourteen years.  She had it all – an exciting and fulfilling career that also saw her working in the undercover drug squad. But life was about to change dramatically, for better and worse. Carol fell in love with an Australian, married and moved halfway around the world, and settled in Melbourne.  After competing in Hobart at the Masters Swimming Nationals in 1998, she awoke one morning with disturbing balance problems and double vision. After an array of tests, she was bluntly told, “you have MS – go home and get your affairs in order before you become incapacitated”.  She was understandably devastated and the rest of the day was a blur.  Having only been married for three years and with no immediate family around, her thoughts revolved around how she was going to cope with this unpredictable disease. Fortunately, Carol found the determination and spirit to defy what the doctor had told her. Carol was a national level swimmer in Canada while she was growing up and with an unstoppable nature and a passion for sport, Carol took up competitive rowing in December of 2006, made the Australian Rowing Team in 2008 and 2009 where she competed at the World Rowing Championships, coming away with a 6th place. She has held a scholarship at the Victorian Institute of Sport since 2007 and in 2011 took up the sport of para-cycling in the trike class. Carol was named on the Australian para-cycling team to compete in Denmark at the Para-cycling World Road Championships in 2011. She won two silver medals and in 2012 was named in the Australian Team for the London Paralympics. At the Paralympics, Carol beat the men to win a gold medal in the mixed T1-T2 road time trial. At the end of 2012, Carol was ranked number one in the world in the Female T2 category and in 2013 became dual World Champion, winning both the Time Trial and the Road Race.  In 2014 she backed up her World Champion status and again was ranked number one in the world.  In 2015 Carol retained her World Championship Title in the Road Time Trial and won silver in the Road Race.  Also this year she was made a Member of the Order of Australia for her contribution to sport and philanthropy. In 2016 Carol was named on the Australian Paralympic team for Rio and came away with 2 gold medals in the Road Time Trial and Road Race.  In 2017 Carol once again became a dual World Champion, retaining her #1 ranking, and to cap off an amazing year was awarded the top award at the Victorian Institute of Sport – The Award of Excellence.  She continued to race with another 2 World Championships in 2019. Although living with the never-ending symptoms of MS, Carol has the strength and courage to get up each day with a positive and motivated attitude.  She has learned to live for today and not worry about what may or may not happen in the future. Carol supports others living with MS to fulfill their dreams through her initiative, the 24 Hour Mega Swim. Since its inception in 2001, the event has raised over $11 million and has provided more than 1000 Go for Gold Scholarships in the areas of employment, education, travel,

May 17

40 min 34 sec

Is planning for successful aging part of your retirement planning? We've had the pleasure of talking with a number of experts who can help you be prepared to live well across your lifespan. This mini-episode highlights key points you'll want to think about and include in your planning. You can listen to the full conversations here: Alan Castel  Helen Dennis  Anna Dixon  Daniel Levitin  __________________________ Retirement is a major life change, and it can be hard to know what to do next. You've worked hard your entire career. Now that you'll have time and freedom in retirement, why not start doing the things you've always wanted? Our coaching program will help you design a new vision of your unique future - one that includes the things you want in life but never had time for before. We'll work with you to define success on your own terms - so that when it's time to retire, you're well prepared to live the life you've saved and invested for. We help you design the life and/or the second career you want. Schedule a call today to discuss how we can help you. _________________________ Explore

May 10

8 min 35 sec

Lifelong learning is an essential element of a satisfying retirement. And lifelong learning is an increasingly vital part of a successful career, including a second career. Our special guest, Dr. Michelle Weise, explains how longer lifespans are changing the nature of careers and education, and why lifelong learning is important for individuals and employers. _________________________ Bio Dr. Michelle R. Weise is the author of Long-Life Learning: Preparing for Jobs that Don’t Even Exist Yet. Thinkers50 named her one of 30 management and leadership thinkers in the world to watch in 2021. She is a senior advisor at Imaginable Futures, a venture of The Omidyar Group. Dr. Weise's work over the last decade has concentrated on preparing working-age adults for the jobs of today and tomorrow. She was the chief innovation officer of Strada Education Network as well as Southern New Hampshire University. With Clayton Christensen, she coauthored Hire Education: Mastery, Modularization, and the Workforce Revolution (2014) while leading the higher education practice at Christensen’s Institute for Disruptive Innovation. Dr. Weise also advises BrightHive, a data collaboration platform, the Institute for Higher Education Policy (IHEP), the SkillUp Coalition, Strategic Education Inc.’s HIRE board, MIT SOLVE, Village Capital, Western Governors University Teachers College, Clayton Christensen Institute Social Capital R&D Project, and World Education’s Personal and Workplace Success Skills Library. She has also served as a commissioner for Massachusetts Governor Baker’s Commission on Digital Innovation and Lifelong Learning, Harvard University’s Task Force on Skills and Employability, and the American Academy of Arts and Sciences’ Commission on the Future of Undergraduate Education. Her commentaries on redesigning higher education and developing more innovative workforce and talent pipeline strategies have been featured in The Economist, The Wall Street Journal, The New York Times, and Harvard Business Review and on PBS Newshour. ​Michelle is a former Fulbright Scholar and graduate of Harvard and Stanford. __________________________ Wise Quotes On Longevity "...basically since the 1840s, every year we've added on an average of three months to our lifespans. And there's no sign that that's actually stopping or lessening over time. I think we do have an interesting phenomenon here with the pandemic that is kind of shaping our mortality rates, obviously in this century, in this year, in this decade. But for the most part, we know that our lifespans have been extending. And then there are different kinds of futurists and experts on aging and longevity who are proposing that the first people to live to be a hundred and years old have already been born. So if we just take this concept of a hundred-year life or 150 year work-life, even if we don't maybe fully buy into it, or want to buy into it because we don't want to live 150 years, that's still a very helpful mental model for us to think about how do we actually thrive in this future, where we are already seeing that a lot of working-age adults are staying in the workforce for far longer than they had ever anticipated well into their sixties and seventies.   On Preparing for an Extended Worklife "We see that early baby boomers are experiencing 12 job changes on average by the time they retire. So even if we just extend a little bit in terms of thinking about an extended work-life, whether it's 60, 80, or a hundred years, it's not actually that difficult for us to extrapolate and think, 'Oh, we could possibly face maybe 20 or 30 job changes by the time we retire' - and how in the world are we going to do that when navigating one [job change] is so difficult. And so the way that I think about a way to visualize this idea of long-life learning is really the future of work and the future of education are going to become inextricably tied.

May 3

42 min 15 sec

Healthy choices create a healthy lifestyle, but how can you consistently make the best choices? Having solid information is a good start, but it's not enough. By making some simple, targeted adjustments, it is easier than you think to create healthy habits that will last. Our guest, Alan Carpenter, shares his personal experience, insights, and advice on how he learned to make the right healthy lifestyle choices - and how you can too. Alan joins us from Colorado. __________________________ Bio Like many of you, Alan Carpenter was living a good life. But that almost ended on June 16, 2013 when he suffered a life-threatening accident. In spite of the pain and ensuing incapacitation, the accident turned out to be a blessing in disguise. While recuperating from his injuries, Alan realized that he had taken his life for granted—especially his health and well-being. To learn how to rejuvenate his health and well-being, he spent more than six years combing the scientific and medical literature. He synthesized what he found into nine simple, evidence-based, practical healthy lifestyle choices. His newly published book, Choose Better, Live Better, presents the scientific case that making healthy lifestyle choices can rejuvenate your life. Alan urges you to embrace these healthy lifestyle choices and incorporate them into your daily life. When you do, you’ll enjoy greater life energy, you’ll have a wider network of support relationships, and you’ll live with purpose—among many other desirable outcomes. Plus, you’ll greatly reduce your risk of debilitating chronic diseases including Alzheimer’s disease, cancer, and type 2 diabetes. Alan uses his knowledge and life experiences to help people increase their Quality of Lifespan. In other words, helping others live better and longer. To that end, Alan offers keynotes, breakout sessions, and trainings to bring his critically important message to the world. Alan is also a veteran long-distance hiker and cyclist. Since embarking on his first long-distance hike at age 62, he’s logged 17,300 miles of long-distance adventures. They include hiking the John Muir Trail (twice), the Colorado Trail (twice), the Pacific Crest Trail, the Appalachian Trail, and half of the Continental Divide Trail. He also bicycled the cross-country Pacific Coast, Southern Tier, and Northern Tier Routes. Alan attributes his continued ability to complete these physically and mentally demanding trips to the healthy choices he’s incorporated into his daily life. __________________________ Wise Quotes On Key Healthy Choices "What I call cultivate social connections, until maybe about 20 years ago, the medical community was pretty much clueless about this, but it's a huge deal. And the evidence is really solid on this. In fact, there are people that think this is the biggest deal of all, what I call social connection. And then under the category of the spirit, I would say the big one is to cultivate a positive mental attitude in that umbrella. I see three key items and they would be optimism, gratitude, and forgiveness. And just think about that for a minute. Wouldn't you rather be around people who are positive, upbeat can-do, and grateful for what they have in life? And are willing to forgive themselves and other people for boo-boos in their lives? Of course, life would be so much more wonderful if everybody lived that way." On Finding Purpose "I think for many people, it's some event in their life that really turns their life upside down for a while. For me, it was almost getting killed while I was hiking the Pacific Crest Trail and coming home. And just coming to terms with that, that was a big deal. And I talked to other people who have had these really just traumatic injuries and illnesses. And it's the same story over and over. When these folks get home from the hospital, they're down and out. And finally, they realize I'm going to find the good in my situation.

Apr 26

33 min 46 sec

Does your retirement planning account for caregiving? Will you be a caregiver? Who will be your caregivers? We talk with expert Joy Loverde about what you should include in your retirement planning. Joy joins us from Chicago. _________________________ Bio Joy Loverde has a reputation for being a path carver and visionary. Joy is the author of the Who Will Take Care Of Me When I’m Old? and the best-seller, The Complete Eldercare Planner. The American Medical Association says, “It’s the best book we’ve seen.” With over 30 years experience as a media spokesperson, Joy's appearances include the TODAY Show, Good Morning America, CBS Early Show, ABC News, Fox News, National Public Radio, SiriusXM, and others. During her career, she has been quoted in the Wall Street Journal, TIME, Money, New York Times, U.S. News & World Report, Reuters, Reader’s Digest, Family Circle, Psychology Today, Good Housekeeping, among others. USA TODAY ran a four-part series on Joy’s eldercare programs. Joy specializes in keynotes for family members and professionals including employers, women's groups, centers for healthy aging, associations, law firms, financial institutions, alumni associations, senior housing, health care providers, and retreat centers and others. A seasoned on-camera professional, product endorsements include GoodFeet, Estate Inventory Services, Age Without Borders, Energizer Battery Company, Boomer Living, American Senior's Housing Association, and a host of other products and services. With a focus on the mature-market population, Joy serves as a marketing and media consultant to senior housing, HR professionals, attorneys, financial planners, clergy, and other members of the fast-growing eldercare industry. Joy’s work has taken her to every corner of the world where she has personally interacted with thousands of family members and professionals in the field of aging. She also loves connecting with you on social media. Wife, mom, grandmother, Cubs fan, Joy was caregiver to her parents, is married to family-law attorney, David V. Schultz, is grandmother of 10, and resides in Chicago. __________________________ Wise Quotes On Thinking Like a Strategist "Well, first of all, people don't know what thinking like a strategist is. So what I like to do is just break open that can of worms by saying critical thinking is really the practice of changing your perspective.  If you just continue to think the way you always have, it might just keep you in that little box and nothing will really change in your life. So the idea about thinking critically just breaks that wide open. So here's how I do it. I talk to people who are very different than me, different cultures, different careers. And I ask them questions that scare me because they will have a whole different idea about things that might pertain to aging. That is quite scary. So I talk to people who are different. I also talk to people who are young and people who are old. And one of my favorite advisors is my eight-year-old granddaughter. And I ask her this question all the time. I say, what would you do if you were me? So that is what I mean by thinking strategically." On Caregiving "If you're going to be a caregiver, the number one rule is to get a financial planner for yourself because the expenses of being a caregiver can be quite emotional. So if we find out that mom or dad is running out of money, most caregivers, because they're so loving and wonderful, start to dip into their own pockets and they start shelling out money and really jeopardizing their own retirement. So the number one thing that people need to do, if they anticipate being a caregiver, is to get a financial planner. Find out how much money you have, find out what your parents have or the person you're caring for. And then go from there, do not go into this blindly when it comes to financial planning. As far as I'm concerned,

Apr 19

28 min 57 sec

Some key life decisions can have consequences that reverberate for years. And as you plan for retirement, there are big decisions ahead. What lessons can we learn from emerging research on how to make big decisions? Our guest, Dr. Adrian Camilleri, has engaged 657 Americans (from 20 to  80) on the ten big life decisions they've made so far. Dr. Camilleri joins us from Australia. _________________________ Bio Dr. Adrian Camilleri is a senior lecturer in marketing at the University of Technology Sydney. He holds a bachelor’s degree in psychology, a Master’s degree in organizational psychology, and a Ph.D. in psychology, all from the University of New South Wales. He completed postdoctoral training in management and marketing at Duke University’s Fuqua School of Business. Adrian is an expert in the fields of cognitive, organisational, and consumer psychology. __________________________ Wise Quotes On Big Career-Related Decisions "One of the categories of big decisions that I focused on was career-related decisions. And so these involve questions like starting a new job, quitting a job, starting a business, closing down a business, joining the military, leaving the military, and then retirement. And so when important results from the interviews that I conducted was to look at how these different categories of big life decisions changed between those of different age groups... So leaving a  position is also often a very big life decision...And obviously, these career-related decisions culminate in what's usually the final career-related decision. Quite a number of people. who are about the age of 60, in my survey, had actually decided to retire.  So retirement is certainly one of life's biggest decisions for those who have managed to the point where they're considering concluding their working career. More than half of those above the age of 60 years old had mentioned explicitly retirement as one of their biggest life decisions...So, when we look at lifestyle satisfaction, those who had already retired, who made that big decision, rated high on life satisfaction compared to those who are not [retired]. Now again, I put the sort of caveat on correlation data. So it could be that those who are already happy with their life are much more likely to retire. But there's something to be looked at there because I have seen all the research suggesting that those who retire, many of them end up kind of feeling aimless and bored, even unhappy." On Self Development Decisions "And what we see is that self-development type decisions don't frequently make it onto the list of biggest life decisions, but they do tend to increase over time. So those who are in their sixties and seventies tend to be making more self-development decisions than those who are younger. And as I have mentioned, these self-development decisions tend to be ones that are evaluated more positively. Another follow-up question that I asked participants was how much time did you spend thinking about the decision before you made it? And there's a nice contrast here between self-destructive and self-development decisions. So those who are making these self-destructive decisions such as committing a crime, taking drugs or something like that, were often thought about for seconds, perhaps minutes. In contrast, self-development decisions were often thought about for months, if not years. And we can think about these self-development decisions in terms of the more positive ones, like pursuing your religion or philosophy or engaging a new hobby or learning a new skill. But certainly reading through the stories that I was presented within these survey results, there were a number of people who were of age 60 and older, who had big life decisions related to seeking treatment. So whether they were deciding to get an operation or to do with cataracts, or arthritis or whether to get a knee replacement or not " ___________________________ For More on Dr.

Apr 12

41 min 47 sec

What was your career plan when you were graduating from college? You probably didn't leave college equipped with the skills to make a career change midlife. So if you're considering a second career, a career change at 50 or a career change at 60, our guest today has valuable information you'll want to hear. If you have family members, colleagues, or neighbors who ask you for career advice, you'll find this conversation very helpful. _________________________ Bio Mark Herschberg is the author of The Career Toolkit, Essential Skills for Success That No One Taught You. From tracking criminals and terrorists on the dark web to creating marketplaces and new authentication systems, Mark has spent his career launching and developing new ventures at startups and Fortune 500s and in academia. He helped to start the Undergraduate Practice Opportunities Program, dubbed MIT's "career success accelerator," where he teaches annually. At MIT, he received a B.S. in physics, a B.S. in electrical engineering & computer science, and a M.Eng. in electrical engineering & computer science, focusing on cryptography. At Harvard Business School, Mark helped create a platform used to teach finance at prominent business schools. He also works with many non-profits, including Techie Youth and Plant A Million Corals. He was one of the top-ranked ballroom dancers in the country and now lives in New York City, where he is known for his social gatherings, including his annual Halloween party, as well as his diverse cufflink collection. _________________________ Wise Quotes On Career Changes Midlife "This is my third recession and I'm only mid-career. So I, I very much see and understand what they're going through. In fact, during the great recession, I helped teach at a program sponsored by New York's Economic Development Council, in which we were taking people who lost not simply their job, but their career. Their entire career was getting displaced and not coming back post-recession. And New York said to us: We can't have them sitting on the sidelines. These are capable people. How do we get them back to work? We looked at where the jobs were being created and the nature of those jobs, typically the people being displaced were coming from large corporations. So certainly coming out of 2008, 2009, lots of financial services, lots of big companies where you had multiple layers of bureaucracy. The jobs being created were in tiny companies in startups, in companies, less than 50 people, sometimes less than 20 people. The biggest change was trying to get people to see those jobs and feel comfortable in those jobs. It wasn't so much a domain skill challenge. It's not that. If you've been at big corporations, your whole life, look at these small companies and then recognize that cultural difference. So if you're in a big company of 30,000 people, you're used to having the pre-meeting to plan the meeting, to coordinate the meeting for the meeting to discuss something. So at six months later, decisions made when you're at these tiny 20 person startups, and you say, Hey, I have an idea. So you turn around in your chair and you're talking to the boss, who's sitting three feet from you in another chair because there are no offices here.  And the boss says, okay, that sounds great. Well, that was the meeting. Those were the six months condensed to a six-minute conversation and understanding these cultural differences, how the businesses operate, that you can move fast and break things, which is very different from these big traditional corporations. That was the biggest challenge. And so to people who are saying, I need to find something different. It's not just the same job with a different company. Look at different types of companies and understand it's not just going to be the mechanics of the role, but understand the cultural differences. And if you can set yourself up to succeed in that, both recognizing how you'll operate,

Apr 5

30 min 38 sec

We help you balance your retirement planning. No other podcasts cover the non-financial side of retirement planning as in-depth. Here's a recap of what we learned in the second month of our 4th season of The Retirement Wisdom Podcast talking with: Barbara O'Neill, A Distinguished Professor Emeritus at Rutgers University and author of Flipping the Switch: Your Guide to Happiness and Financial Security in Later Life. J. Kelly Hoey author of Build Your Dream Network. Lance Oppenheim, a filmmaker from South Florida, on his first feature film: Some Kind of Heaven ___________________________ You can listen to the full conversations here: When Will You Flip the Switch? – Dr. Barbara O’Neill How’s Your Network? – Kelly Hoey Some Kind of Heaven – Lance Oppenheim ___________________________ About Retirement Wisdom We help people who are retiring from their primary career – and aren’t done yet –  discover what’s next. A long retirement is a terrible thing to waste. And a meaningful retirement doesn’t just happen by accident. Schedule a call today to discuss how our Designing Your Life® coaching programs can help you make yours great. ______________________________________ Explore  

Apr 1

7 min 27 sec

What are your images of retirement? How do you picture yourself enjoying your hard-earned freedom? It'll take savvy holistic planning to achieve your vision. It starts with holistic financial planning, but it includes planning for the non-financial aspects as well. Trusted advisors can be valuable assets in your holistic planning for retirement. Our guest is Chad Willardson, President, and Founder of Pacific Capital.  I talk with Chad about his observations on retirement planning and: Why he founded Pacific Capital Why he does what he does What key differences he sees between people who are successful in retirement and those who struggle Common mistakes to avoid in planning for retirement What surprises his clients most about life in retirement The challenges entrepreneurs face in planning for retirement What people should look for in a financial advisor Key takeaways from his book Stress Free Money - and a preview of his upcoming second book Chad joins us from Southern California. __________________________ Bio Chad Willardson is the President and Founder of Pacific Capital and is a Certified Financial Fiduciary®, Accredited Wealth Management Advisor and Chartered Retirement Planning Counselor. Before founding Pacific Capital, he spent 9 years at Merrill Lynch, where he ranked in the top 2% of over 16,000 Financial Advisors nationally. Chad is the author of the Best Selling Book: Stress Free Money: Overcome These Seven Obstacles to Find Financial Freedom. Chad is passionate about financial education and believes that with the right tools and resources, people can be empowered to make smart money decisions. He loves to help people organize their financial life, clarify their goals, and make decisions that lead them to a successful and fulfilling life. A native of Orange County, CA, Chad and his wife of 17 years live in Corona, CA with their five children. _________________________ Wise Quotes On Purpose & Meaning in Retirement "People who are successful in retirement have a lot of meaning and purpose. They don't just stop cold turkey. Most of them have other ideas or pursuits, whether it's hobbies, businesses, charitable giving, charitable time, and spending time with their grandchildren in a productive way. I feel like the people who actually retire to something rather than retire from something are much more successful. It's one thing to say, I'm going to stop work at age 60. It's another thing to say between age 60 and 70 here are my 10 big goals or the big things on my bucket list that I really want to focus on. And I've seen people really, really thrive after they stopped their primary career and even explore new opportunities that they never thought they could do, like starting a business with a grandson or learning how to do something new, like getting into cycling or getting into art or traveling with your family. There are so many things that I've seen people do in retirement. That shows me that you really need to have a game plan. It's it could be a 10,000 days journey. And to, to just simply think, well, I don't have to do anything anymore, you're kind of setting yourself up for failure." On Priorities in Retirement "I think people, once they get to retirement, they realize that there were a lot of things they weren't doing often enough, like self-care and taking care of their health. I've seen many people just work themselves so hard, work so many hours, with so much extra stress, that they're finally able to really take better care of themselves. And relax and do things that are more fulfilling than doing something just for a paycheck. It's definitely on the unfortunate side, but I think the healthcare costs are typically a negative surprise. It costs more than they expect on the positive side. And I feel like people are busier than they would ever have dreamed of. My parents, when I talk to them, they have a full schedule.

Mar 29

21 min 48 sec

Creating a second act in mid-life and beyond takes reinvention. But our guest today tells us it's only part of the story. Wendy Marx, author of Thriving at 50+: The 7 Principles to Reinvent & Rebrand Yourself, notes that it's wise to also update and upgrade your personal brand. We discuss with Wendy: The biggest challenges that people 50 + face today The story behind how her book came about What it takes to reinvent yourself in a mid-career or second career context The ways people cultivate the mindset necessary for reinvention How people find a new purpose What a personal brand is – and why it's so important today for those of us who are 50+ Her stories of people's reinvention and rebranding Wendy's personal story of how she reinvented and rebranded yourself Her advice on how to reinvent yourself Wendy Marx joins us from Connecticut. _________________________ Bio Wendy Marx is an award-winning public relations and marketing communications executive who helps B2B companies and executives become well-known brands. Her ability to take SMBs from "Anonymity to the New York Times"™ has driven the growth of Marx Communications. Her book, “Thriving at 50 Plus” draws on over 30 years of experience, and her own career reinvention (times 5!). She's helped hundreds of people go from anonymity to influential thought leaders For the last 20+ years, she has served as president of Marx Communications, which has helped numerous companies become industry icons. Her firms’ PR efforts have directly led to companies inking major partnership deals with Dow Jones, The NASDAQ and other major organizations, and spurred their being acquired. Among her achievements, Wendy planned and executed the original public relations strategy that helped fuel the spectacular growth of Peppers and Rogers Group, the world's preeminent customer relationship firm. Her technology and business articles have appeared in the New York Times, Information Week, and Computerworld and she has written advertorials for Fortune and Forbes on technology subjects. She blogs on public relations and marketing leadership issues for Fast Company. She is a cum laude graduate of Brandeis University, holds an MBA from the University of Michigan and a master’s degree from the Columbia University Graduate School of Journalism. ___________________________ Wise Quotes On Reinvention "Realize that you don't reinvent yourself by snapping your fingers and going, I'm going to reinvent. It's actually a time-consuming process. It's not just a straight upward trajectory. And in the process of writing my book, I interviewed many, many people who had successfully reinvented and rebranded themselves. And based on that, I developed a framework that I call my seven principles. And that includes everything from having a Growth Mindset, to being uncomfortable, a willingness to learn, finding your purpose, storytelling, personal branding, and social media and mentoring. And by following those steps, you can truly have a successful reinvention and rebranding." On Why You Shouldn't Go it Alone "One is that if you're stuck like that, it's often helpful. When I actually did this myself to hire a coach, somebody who can, I like to say, give you a Swift kick on the behind so that you're able to start checking yourself a little bit and making some changes. If you don't want to hire a coach, another thing is to be part of a support group where you're with other people who are contending with some of the same challenges you are, and you can mutually help each other. Also doing some volunteer work. Often times you start doing something and that ends up changing you. What psychologists and researchers have found is that just sitting on the couch and musing about your life and ruminating and wondering What can I do? What did I do wrong? doesn't get you anywhere. You need to take action." On Storytelling "Storytelling is a powerful tool.

Mar 22

31 min 23 sec

What can you learn about Early Retirement and the FIRE movement from someone who retired at 41 over three years ago? We catch up with Chris Mamula, of  Can I Retire We first talked with Chris two years ago on his emerging lessons learned, how his early retirement lifestyle is evolving, and his recommendations for listeners who are considering an early retirement plan. He's written a book since we last spoke (Choose FI: Your Blueprint to Financial Independence) and he shares his thoughts on why preparing for the non-financial side of early retirement is important. ________________________ We discuss with Chris: His story of deciding to retire at 41 What his life is like now 3+years later What he knows now that he wishes he knew then What he's learned about priorities, uncertainty, and change The pros and cons of semi-retirement as an option How the FIRE movement is evolving in the pandemic His book Choose FI - and the experience of writing it. Advice on an early retirement plan Chris joins us from Utah. ______________________ Wise Quotes On Life in Early Retirement  "Day-to-day life, it really couldn't be any different. So we were living in this small town in Pennsylvania. Now we live in a ski town in Utah. Back then I was working a 40 plus hour week with a commute a half hour each way. Now, I still do some work. I write the blog and I've written a book since I left. So, I do some work, but it's really all on my schedule because we live in a ski town. So in the winter, we ski four or five, sometimes six days a week.  And in the summer I'm out hiking, mountain biking, doing things kind of every day. And, my family and I, we kind of fit work in around life. Whereas before I felt like we were just kind of always trying to squeeze life in wherever we could around our work schedules. So, from that perspective, it's, it really couldn't be much different." On What He Knows Now That He Wish He Knew Then "I was certainly writing about the softer side of retirement, like purpose and meaning and structure, and all these things that we're talking about. But I kind of wish I would've spent even more time on that part because I think the financial part gets a lot of the emphasis in retirement planning. There's a lot of stuff you can't know as far as like future market returns and interest rates and inflation and all that stuff. But you know, you can kind of play in and have contingencies. But, I just found that there's just not a lot of information [about the softer side of retirement] I think it's very individual for everybody on how you're going to adapt and adjust and find purpose and meaning - and find that structure. Everybody's a little bit different and I wish I would have focused maybe even a little bit more on that - or at least maybe had a little more grace for myself, as far as like having a little bit less expectations for retirement and just kind of going with the flow a little bit more." On Risks and Mitigation in an Early Retirement Plan "I think a lot of times you can mitigate those risks. And another strategy that I kind of use is just taking little bite-sized steps...on something like retirement, which is so overwhelming. And so,  doing something like semi-retiring and doing something like my wife dropping down to part-time work. We still made some massive changes. I let my license go. I'm not a physical therapist anymore. We moved across the country. Those are...kind of one-way decisions. But we also gave ourselves a lot of Slack and leeway,  just by making more moderate and gradual changes in other areas. I mentioned how I love being in the mountains and I rock climb and I'd done high-altitude mountaineering and I'm a skier. And I think people look at that as this high-risk thing. But I think when you're doing those types of activities, it really teaches you risk management and risk mitigation. And there's a quote I love: "Getting to the top is opt...

Mar 15

28 min 47 sec

How do you maintain cognitive health as you age? Our guest today is Dr. Krystal Culler and she shares a range of useful practices for brain health and staying sharp. We discuss with Dr. Culler: How she became interested in Gerontology and Health & Wellness How she defines brain health The misconceptions she sees people having about brain health The relative importance of lifestyle factors versus genetics in cognitive health What people should do to foster brain health The role habits play in cognitive health What we should know about neuroplasticity and lifelong learning A book that's had a big impact on her Where people should start in cultivating better brain health Dr. Culler joins us from Ohio. _________________________ Bio Dr. Krystal Culler is a Doctor of Behavioral Health with a background in the behavioral sciences (psychology of aging, gerontology, and sociology). She is a Senior Atlantic Fellow with the Global Brain Health Institute, where she was the first scholar from the United States to complete her residency training at Trinity College Dublin, Ireland on dementia prevention and the social determinants of brain health. She has an unwavering commitment to promote brain health equity to individuals of all ages and the communities she serves. Dr. Culler is the Founder & Creative Director of the Virtual Brain Health Center. Krystal has spent nearly 5 years in Executive-level positions with health non-profit organizations and has 15 years of experience working with individuals with brain health concerns, their families, and advocacy organizations. Under her leadership, the centers have received 4 international and national awards from leading organizations in the aging care sector for innovation in brain health programming and community impact including honors from the International Council on Active Aging, Mather Lifeways Institute on Aging, the American Society on Aging and the Southern Gerontological Society on Aging. Additionally, she has been recognized through the receipt of 4 personal leadership awards for her contributions to the field including the Global Brain Health Leaders Award (2019) from the Alzheimer’s Association, Alzheimer’s Society, and Global Brain Health Institute, and Crain’s Cleveland Business 40 Under Forty (2017).  _______________________ Wise Quotes On Lifestyle versus Genetic Factors "One of the most fascinating things about our field is how fast things are growing. So usually we were saying it is about 70% lifestyle and 10% genetics. And Dr. Sanjay Gupta's new book was just released early this year. And the research is actually slanting a little bit more where now 90% of our lifestyle is in our hands and it's 10% genetics. So I like to think that's really empowering for us to know that there are variables that we are able to control own [rather than] inherit, but for the most part, there are many things that we are able to manage and think about in a mindful way to move us forward on our personal brain health and wellness journey, all across our lives." On How to Cultivate Brain Health "We have different reports that have come out over the years that pinpoint about 15 different factors. And the Lancet report shows that when we look at these different lifestyle factors and we talk about dementia, risk reduction across the world, we can prevent about 40% of those cases. And what we tend to think about kind of categorizing these factors. If we were to think about them in terms of your brain, your body, and your environment with your brain, you want as much education as early in life as you can. You want to stay stimulated, protect your brain, minimize stress or ongoing chronic stress sleep well, minimize depression, or if you're having a low mood and it's ongoing, reach out for help. And monitor your hearing loss and protect your ears from loud noises and exposure. And if you're thinking about it,

Mar 8

38 min 41 sec

About 5% of older adults live in retirement communities in the United States. What's life like behind the gates of retirement communities? Filmmaker Lance Oppenheim looks at life in The Villages, a retirement community in Florida with 130,000 residents, in his new documentary Some Kind of Heaven. We discuss: How he came up with the idea for the film How he selected the four main characters The arc of the stories that unfolded in the documentary His thoughts on what the film says about aging in America today The lessons younger generations can take away from the film The level of intergenerational relationships he observed One of his earlier short films - The Happiest Guy in the World What's next for him Lance Oppenheim joins us from Los Angeles. _________________________ Bio Lance Oppenheim is a filmmaker from South Florida. Lance was a 2019 Sundance Ignite Fellow, named one of Filmmaker Magazine's "25 New Faces of Independent Film 2019," and is the youngest contributor to The New York Times Op-Docs. He was featured on Variety's "Power of Young Hollywood" list in 2020. He graduated from Harvard University’s Visual and Environmental Studies program in 2019. His first feature, SOME KIND OF HEAVEN, premiered at the 2020 Sundance Film Festival. The film was produced by Darren Aronofsky, The New York Times (the paper’s first feature film production), and the Los Angeles Media Fund. It will be distributed by Magnolia Pictures in 2021. _________________________ Wise Quotes On Grower Older "...when you're in a world like The Villages that does have this radiant optimism - and sometimes it does feel a little bit manufactured -  this kind of artificial construction, the way people were spending their time. I very much connected and empathized with the stories of folks who found themselves at odds with the ethos of the community. And I found that to be relatable if you're in a place where everyone is having the best time of their lives and you're not having the best time of your life, but you're constantly being told that you need to be having the best time of your life. And you have this ticking clock in the back of your head, that's telling you 'I only have maybe 20, 30, more years of life to live' that will do something to you. And that's a really distressing and stressful and confusing feeling. And that was something ultimately that I wanted to make a film about. It was not a movie that was more concerned with statistics or information. I wanted to make something that was far more expressive about this kind of existential condition that I was interested in and saw quite a bit of throughout my time there." On What Attracts People to Retirement Communities "I think we all have our own ways of living inside of bubbles, whether it be people my age [or older adults]. I live in a total bubble in many different ways. The people I spend my time with, the articles I read online, the things I do in my digital life is not dissimilar from the ways in which residents of The Villages choose to unplug -  and live in a place where everyone has more or less imaginative beliefs, ideas and ways of living. I think I also relate to and I understand why it's so wildly popular. There really aren't a lot of places like The Villages that exist that do give you that many opportunities to just kind of find yourself again and be whoever you want to be." On Intergenerational Relationships "We haven't figured out how to more naturally allow for these kinds of relationships to blossom between those who are younger and those who are older. It's a shame that I think in some ways, the reason that we have places like The Villages, and the reason why they're so popular, is because we don't have any alternatives where elderly folks can go where they don't feel invisible. I think that was a common theme that I was hearing from so many people who felt like they were no longer interested in appearing i...

Mar 1

30 min 2 sec

It's been a year since the pandemic began. How have your networking relationships evolved? Is it time to rethink how you approach networking? Our guest is J. Kelly Hoey, the author of Build Your Dream Network, and she encourages people to think of networking differently. It's not about networking events, it's about cultivating the right relationships. If you're looking to build a second career, Kelly Hoey's networking tips will change your mindset and your approach to networking. __________________________ We discuss: Her journey from a legal career in Toronto and New York to what she's  doing today How economic downturns created opportunities How we should think differently about networking - beyond networking events The most important word to remember about networking Where specificity can give you an edge The Do's & Don'ts of networking approaches - from the receiver's point of view The advantages introverts bring to networking that they may not realize How she thinks of the social media platforms she uses What can be learned from networking in the pandemic How to leverage your network in creating a second career _________________________ Bio Kelly Hoey is obsessed with changing the way we understand and approach networking. She’s the author of Build Your Dream Network: Forging Powerful Connections In A Hyper-Connected World (Tarcher Perigee/Penguin Random House), a modern, practical guide to the necessary (and frequently dreaded) task of networking. Kelly has worked with top companies, brands and conferences. She’s appeared on CNBC’s Power Pitch, co-created and moderated the “Meet The Innovators” speaker series at Apple, and contributed to publications such as The New York Times,, Fast Company, and Inc. Kelly’s insights have been featured in Real Simple, Working Mother, Good Morning America, AARP,, Brit & Co, The Muse, Wall Street Journal, Financial Times, CBC Radio,, AARP, The Ladders, Parade, Business Insider and many more, as an authority on networking. A former attorney and active participant in New York’s startup community, Kelly has been lauded from Forbes (“1 of 5 Women Changing the World of VC/Entrepreneurship”) to Fast Company (“1 of the 25 Smartest Women On Twitter”) to Business Insider (“1 of the 100 Most Influential Tech Women On Twitter”) and Inc. (“1 of the 10 Most Well-Connected People in New York City's Startup Scene”). EBW 2020 included her on their list of the “100 Most Influential Global Leaders Empowering Women Worldwide”. __________________________ Wise Quotes On Why It's Not About Networking Events "I think what people need to think about networking is you need to ditch the schmooze. You need to ditch the notion. When you need something like a job lead or a career lead, you need to think about it more in the sense of How do I interact with people every day? And well before the events of 2020, things we were doing every day - we're texting and tweeting and maybe posting on Facebook, maybe we're sending a birthday note or an anniversary wish. All that is part of your networking arsenal if you're someone who has been or had been in the workforce a long time. When I think about your networking, how have you shown up every day for your colleagues and co-workers? Were you a good mentor? Were you someone who was a good project manager? All of those activities to me are part of our networking reputation - and network building - that we have done throughout our lives. So for the listeners who may be thinking about a change or some evolution in their career, this is where I'd say sit back and think about how you've been showing up for your network every single day." On Generosity "Well, I think there's this underlying notion with networking: Give before you get. And I think there is this notion that people hold on with sort of an outdated version of networking reciprocity you feel as transactional in the sense of,...

Feb 23

34 min 7 sec

  Is it time to discover What's Next after your primary career comes to an end? Is there something you always wanted to do? Is there a problem or challenge that your skills and experience could help solve? Is there something calling you? This mini-episode of our retirement podcast highlights three stories of people who are making a difference - in new ways. Cynthia Barnett found her career in education coming to an end prematurely. She spotted an important problem. Girls were not entering educational pathways that would prepare them for careers in high-growth fields in science, technology, engineering, and math. Deciding that she was retired, but not done yet, she dove in and created an award-winning program to inspire young women to consider and prepare for STEM careers. Melissa Davey was an executive in health care when a chance encounter led her to conversations that inspired her to retire - and follow her dream to become a filmmaker. Steve Javie was at the top of his game as an NBA referee when a chronic injury curtailed his career. A period of intensive self-reflection, conversations, and discernment lead him to become an ordained Deacon. Their experiences underscore how valuable an open-mind can be. What could you discover? __________________________ Listen to our full conversations - and their advice: Retired, But Not Done Yet – Dr. Cynthia Barnett What Do You Really Want to Do?- Melissa Davey From the NBA Hardwood to the Altar – Steve Javie ___________________________ You May Also Be Interested In: Design Your Life and Get Unstuck – Dave Evans How to Build a Portfolio Career – Kate Schaefers _____________________________ Interested in designing a second-act career that's right for you? Check out our one-on-one coaching program based on the principles of Design Thinking. Schedule a free call to learn more about our new upcoming six-week Group Coaching program starting in March.

Feb 15

8 min 40 sec

What are the keys to happiness in retirement? It goes beyond financial security. And if you want to retire happy, what should you focus on? Our guest today is Dr. Barbara O'Neill, author of Flipping the Switch: Your Guide to Happiness and Financial Security in Later Life. Although she is not a fan of the word retirement, she's researched what it takes to make one of life's transitions and retire happy. I discuss with Dr. O'Neill: The story of her next chapter (so far) after leaving Rutgers University How the pandemic will impact retirement, short-term and longer-term What areas people are the most – and least – prepared for in later life Why she doesn't like the R-word - and what she prefers to use instead Why letting go and looking forward are both important - and how they can be challenging in life's transitions What she thinks are some of the most challenging switches to flip What she's learned in navigating her own life transition Her alternative approach to FIRE (FIND) When people should begin to start planning for life after full-time work She joins us from Florida. __________________________ Bio  Barbara O'Neill, Ph.D, CFP®, CRPC®, AFC, CHC, CFEd, CFCS, CPFFE, is the author of Flipping the Switch: Your Guide to Happiness and Financial Security in Later Life. As the owner/CEO of Money Talk: Financial Planning Seminars and Publications, Dr. Barbara O’Neill, CFP®, AFC®, CRPC®, writes, speaks, and reviews content about personal finance. A Distinguished Professor Emeritus at Rutgers University, after 41 years of service as a Rutgers Cooperative Extension educator and personal finance specialist, Dr. O’Neill has written over 160 articles for academic publications and received more than 35 national awards and over $1.2 million in grants to support her financial education programs and research. Employed by Rutgers since 1978, she provided national leadership for the Cooperative Extension programs Investing For Your Future and Small Steps to Health and Wealth™ for over a decade. Part of her work time is bought out to provide personal finance training for military family service professionals (for the eXtension Military Families Learning Network) and for New Jersey financial educators as part of a state Department of Education contract. She is also the author of two trade books, Saving On a Shoestring and Investing On A Shoestring, and co-author of Money Talk: A Financial Guide for Women. She is a certified financial planner (CFP®), chartered retirement planning counselor (CRPC®), accredited financial counselor (AFC), certified housing counselor (CHC), and certified financial educator (CFEd). She also holds the CFCS (certified in family and consumer sciences) and CPFEE (certified personal and family finance educator) credentials from the American Association of Family & Consumer Sciences (AAFCS). Dr. O'Neill received her Ph.D. in family financial management from Virginia Tech, a master's degree in consumer economics from Cornell University, and a bachelor's degree in home economics education from the State University of New York (SUNY) at Oneonta. She has received over three dozen awards for personal or program excellence, including a 2016 AAFCS Distinguished Service Award, and over $1 million in grants and contract funding to support her financial education programs and research. In 2003, she served as president of the Association for Financial Counseling and Planning Education (AFCPE). From 1996-2000, Dr. O'Neill directed the five-year MONEY 2000™ Cooperative Extension savings and debt reduction campaign in the 1990s that resulted in over $20 million of documented economic impact nationwide. In addition, she has delivered almost 300 national/regional conference presentations throughout her career and over 70 webinars for eXtension, AAFCS, and other professional organizations. In addition to being an AAFCS board member from 2016-2019,

Feb 4

41 min 53 sec

This is a special mini-episode of The Retirement Wisdom Podcast. It's a quick recap of what we learned in the first month of our 4th season of the podcast. To kick off Season 4, we focused on topics that are front and center for many people at the beginning of a new year: Healthy living Working longer (in different ways) Lifelong learning ___________________________ You can listen to the full conversations here: Take Charge of Your Well-Being – John La Puma, MD How to Future Proof Your Career – Jeff Gothelf Learning is a Lifetime Sport – Tom Vanderbilt _____________________________ You can browse and access all of our episodes from all 4 seasons of our retirement podcast here - and you can subscribe so they’re delivered to you as we produce them. While you’re there, check out the Designing Your Life coaching program - create your next phase on your own terms.  

Feb 2

9 min 35 sec

  What comes to mind when you hear the phrase lifelong learning? Formal classes, with homework, delivered over Zoom? That's part of it. But there's another dimension that our guest Tom Vanderbilt, the author of the new book Beginners: The Joy and Transformative Power of Lifelong Learning, highlights. He writes about learning a new skill, as opposed to acquiring knowledge. And he's not focused on professional skills. His book is about learning new skills - for fun. Intrigued by his daughter beginning to learn chess, he decided to learn along with her. And that began a journey of learning how to surf, sing, draw and juggle. His book shares his experiences and explores the science of learning, including why cultivating a Beginner's Mind is key for adults committed to lifelong learning. We discuss: The story of how his daughter learning chess led to this book The benefits of learning a new skill Why being a beginner is more challenging for adults Why  a 'Beginner's Mind' is helpful What gets in our way What he learned about unlearning The advantages of learning a new skill in groups How couples can benefit from learning a new skill together Why juggling can be a good learning experience Why these times are perhaps the best of times for lifelong learning ________________________ Bio Tom Vanderbilt has written for many publications and is a contributing editor of Wired (U.K.), Outside, and Artforum. He is the author of Traffic: Why We Drive the Way We Do (and What It Says About Us) and Survival City: Adventures Among the Ruins of Atomic America. He has been a visiting scholar at NYU’s Rudin Center for Transportation Policy and Management, a research fellow at the Canadian Centre for Architecture, a fellow at the Design Trust for Public Space, and a winner of the Warhol Foundation Arts Writers Grant, among other honors. Tom Vanderbilt writes on design, technology, science, and culture, among other subjects, for many publications, including Wired, Outside, The London Review of Books, The Financial Times, The Wall Street Journal, The Wilson Quarterly, Artforum, The Wilson Quarterly, Travel and Leisure, Rolling Stone, The New York Times Magazine, Cabinet, Metropolis, and Popular Science. He is contributing editor to Artforum and the design magazine Print and I.D., contributing writer of the popular blog Design Observer, and columnist for Slate magazine. He has consulted for a variety of companies, from ad agencies to Fortune 500 corporations, and has given lectures at a variety of institutions around the world, from the Eero Saarinen Lecture at Yale University’s School of Architecture to the Australasian Road Safety Conference in Canberra. He has appeared on a wide variety of radio and television programs around the world, including NBC’s Today Show, ABC News’ Nightline, NPR’s Morning Edition, Fresh Air with Teri Gross, the BBC’s World Service and The One Show, MSNBC’s Morning Joe, Fox Business, and CNN’s Business Today, among many others. He is a Visiting Scholar at New York University’s Rudin Center for Transportation Policy and Management, and has received fellowships from the Andy Warhol Foundation for the Visiting Arts, the Design Trust for Public Space, and the Canadian Centre for Architecture. He is also a member of the U.S. Department of Interior’s Cold War Advisory Committee, a group studying the identification of sites and resources significant to the Cold War. __________________________ Wise Quotes On Learning a New Skill "...As my daughter was sitting there learning this new thing, I thought, why shouldn't I also try to learn this thing? ...And so this little experiment was born in which we were, these two people separated by four decades of age, trying to learn the same thing. We were beginners at the same skill, but coming to it from a totally different place. And that experience I went through just opened my eyes as to just how long it had been since I'd really t...

Jan 26

31 min 28 sec

A career change is one of life's transitions - and it's a major one. Is career management a priority in the second half of your career? Our guest today, Jeff Gothelf, author of Forever Employable, argues that it's more important than ever to future proof your career. Taking a proactive approach can be beneficial if you want to strike out on your own someday, but also if you want to enhance your value to your current employer. As the world of work continues to evolve, he shows how you can stay ahead of the curve and future proof jobs. We talk with Jeff about how mid-to-late professionals can take a  proactive approach to career management: What inspired him to write his latest book Forever Employable His story of why he left corporate life to become an entrepreneur Why the first step in his 5-step process is so important The benefits - and risks - of creating an independent path What it takes to be successful on an independent career path The strategies that help people differentiate themselves in their space How he become a Recognized Expert – and how it helps his business His advice on where to start to create a second career as a consultant or freelancer that's future proof Jeff joins us from Barcelona. __________________________ Wise Quotes On His Career Pivot  "And I was seeing some colleagues and friends of mine who were a few years older than me struggle to continue that upward mobility and that climb. And so I decided to get ahead of that. I decided that I wasn't going to find myself at 40 years old, at 45, at 50, or beyond in a position where I'd hit a ceiling and there was nowhere else to go. And so at the age of 35, I made an explicit decision to change my career trajectory. Instead of following this path where I'm chasing jobs and opportunities, I was going to create a situation where those jobs and opportunities were chasing me. But it's really 'what's the fear of not being able to stay employable and feed my family, pay the bills, pay the mortgage' that type of thing." Why You Should Plant Your Flag "So the ideas in Forever Employable are designed for folks who want to break out on their own and use their experience and their expertise to build a network and professional reputation and an audience around it. But it's also for those who want to stay employed in-house and increase their value to their current employer. And the way that you do that, in either case, is Step One of the process -  which is Planting Your Flag. And planting a flag is essentially deciding what you're going to be known for. It's deciding what you'd like to base that reputation on that you're going to build. Typically in most cases, that's going to come from your professional experience and expertise. Although there certainly have been folks who have kind of branched into a second career who have leaned on their personal passions." On Building Career Insurance "But it's really supporting your current practice so that you are future-proofing your career. So what you're doing is you're building a safety net. You're building career insurance really by building up this body of knowledge and this expertise that you're sharing back with your communities. You're creating content - whether that's speeches or articles, blog posts, videos, presentations, infographics - whatever works for you. And you're building up this reputation around yourself.  So that when change inevitably happens, you're extremely valuable to the organization.  And they say, 'Well, we're not going to let Jeff go because he's the guy who really knows this stuff and brings us great hires' or you're creating a situation where there's a steady stream of inbound opportunities because people have gotten to know you and they recognize you as an expert in this particular field." On Being Proactive Mid-to-Late Career "So if you're perfectly happily employed and your organization's doing well, everything's fine.

Jan 19

35 min

At the beginning of a new year, it's natural to think about what you can do to live a healthier lifestyle. Are there changes you can make to enhance your holistic well-being? Our guest, John La Puma, MD is a leader in the practice of Culinary Medicine and EcoMedicine, preventative medicine approaches to create a healthier lifestyle through what we choose to eat and the health benefits of nature. We discuss with Dr. La Puma: How he came to combine medicine, cooking, and farming. The state of the medical profession today in embracing of Culinary Medicine. What he sees as the pillars of a healthy diet from the Culinary Medicine and EcoMedicine points of view as we age. How some major diseases may be preventable with the right lifestyle modifications, in his opinion. What he's found works in helping people make changes in their lifestyle. The unique health challenges that men face – and what areas men should focus on. What role Nature and EcoMedicine play in a healthy lifestyle. ___________________ Bio John La Puma MD is Clinical Director and Founder of Chef Clinic; he’s also a professionally trained chef, organic and regenerative avocado farmer and a New York Times best-selling author twice. He has led clinical trials of nutritional interventions designed to improve burnout, obesity, hypertension, osteoarthritis, insomnia and diabetes, and pioneered culinary medicine. His mission is to help you get measurably healthier with what you eat and how you live. Dr. La Puma guest taught the first medical lecture on Nature Therapy at Harvard University’s Lifestyle Medicine course, and taught the first Nutrition and Cooking course for medical students in the US, at SUNY-Upstate with Dr. Michael Roizen of the Cleveland Clinic, and the first Culinary Medicine clinical course for medical students in the US, at DMU. He has authored over 50 peer-reviewed scientific papers and three medical books, including a CME book and the first peer-reviewed article about culinary medicine. His work has been published by the New England  Journal of Medicine, JAMA and the British Medical Journal. Four of his books–Refuel, ChefMD’s Big Book of Culinary Medicine, Cooking the RealAge Way and The RealAge Diet–have been bestsellers around the world, been translated into 8 languages and sold over a million copies. Dr. La Puma is a renowned speaker and demonstration cook. He delivered the first lectures at Harvard and at TEDMED on Culinary Medicine, and at the University of Chicago on Comfort Food. He has also presented at the prestigious TEDx and Gel Health conferences and is consistently rated among the very best speakers by the audiences he addresses.  He has been a consultant and spokesperson for CIGNA, Caremark, GSK and Kraft, among other partners, and founded Alternative Medicine Alert, an evidence-based monthly newsletter for clinicians on dietary supplements and integrative medical approaches. __________________________ Wise Quotes On The Benefits of Lifestyle Modifications "The CDC actually addressed that and they believe that 80% of heart disease, stroke and diabetes and 40% of cancer is preventable with lifestyle change. The CDC is about as conservative an institution in American medicine as exists. I think that almost all arthritis, particularly osteoarthritis is preventable. I think that loss of mobility as we age is inevitable, but it doesn't have to decline quickly. Having major diseases become and be thought of as preventable problems that can be mitigated is really a game-changer...So having more control than you think means that you can make better choices - and that they will matter. And after 50, almost all of aging is your choices before 50. Your genetics have a lot to say, but if you make a decision, you can change your life....not just improve your longevity, but improve your quality of life. And of course your flexibility, your energy level, your curiosity, your cognitive alertness,

Jan 12

35 min 16 sec

We're all aging, but what do we need to know about successful aging? I reached out to the person who wrote a comprehensive successful aging book, Daniel Levitin, a noted neuroscientist, musician, and author, to find out. I discuss with Daniel Levitin: What led him to write Successful Aging How he defines successful aging Common misconceptions about aging How our brains change as we age What older brains are better at than younger brains The roles personality and mindset play in successful aging What he learned from the Dalai Lama Why you should consider working longer, and even never "retiring" How music can be helpful in successful aging What steps you can take to start to age successfully ________________________ Bio Daniel J. Levitin is an award-winning neuroscientist, musician, and best-selling author. His research encompasses music, the brain, health, productivity and creativity. Levitin has published more than 300 articles, in journals including Science, Nature, PNAS, The New Yorker, The Atlantic, and The Wall Street Journal. His research has been featured over 1800 times in the popular press, including 17 articles in The New York Times, and in The London Times, Scientific American, and Rolling Stone.  He is a frequent guest on NPR and CBC Radio and has appeared on Good Morning America, The Today Show, CBS This Morning, and CNN. His TED talk is among the most popular of all time. He is the author of four New York Times bestselling books: This Is Your Brain On Music, The World in Six Songs, The Organized Mind and Successful Aging, as well as the international bestseller A Field Guide to Lies. A popular public speaker, he has given presentations on the floor of Parliament in London, to the U.S. Congress, Microsoft, Google, and Amazon. He has consulted for a number of companies including Apple, Booz-Allen, Microsoft, the United States Navy, Sonos, Philips, Sony, Fender, and AT&T. Dr. Levitin earned his B.A. from Stanford in Cognitive Science, his M.Sc. and Ph.D. in Cognitive Psychology with a Ph.D. minor in Music Technology from the University of Oregon, and completed post-doctoral training at Stanford University Medical School and UC Berkeley in Neuroimaging and Perception. As a musician (tenor saxophone, guitar, vocals and bass), he has performed with Mel Tormé, David Byrne, Rosanne Cash, Sting, Bobby McFerrin, Victor Wooten and Tom Scott. Levitin has produced and consulted on albums by artists including Stevie Wonder, Steely Dan, Joni Mitchell and on the films Good Will Hunting and Pulp Fiction, and has been awarded 17 gold and platinum records. Levitin taught at Stanford in the Departments of Computer Science, Psychology, History of Science, and Music, and has been a Visiting Professor at Dartmouth, and UC Berkeley. He is currently the Founding Dean of Arts & Humanities at the Minerva Schools at the Keck Graduate Institute, San Francisco, California, and James McGill Professor Emeritus of Psychology, Neuroscience and Music at McGill University. __________________________ Wise Quotes On Personality Factors and Successful Aging "One of the big ones is conscientiousness. It's the biggest single predictor, much more so than socioeconomic status, of how your life is going to turn out at any age. Conscientiousness is a cluster of different things having to do with reliability, dependability exercising due caution, and rule-following, to some degree. A kid who's conscientious isn't going to cross against the light, and so, is less likely to get hit by a bus. An adult who's conscientious is less likely to end up in prison - and an older adult who's conscientious is going to see the doctor when something's wrong. They're actually going to do what the doctor tells them to do. My doctor friends tell me that, you know, 80% of their patients are non-compliant and, but a conscientious person is. So that's the role of personality in all of this.

Dec 2020

29 min 3 sec