Check out Jeremy’s latest podcast on The Guide to Happiness and Financial Security in Later Life by listening on “Apple Podcasts” or “Google Podcasts” or read below for 3 Ways to Make Your Transition to Retirement Easier.

#62 – Is transitioning to retirement as simple as flipping a switch? One day, you just stop working and enjoy the rest of your life, right?

Well, not exactly…

According to Barbara O’Neill, retirement is a combination of 35 different switches, each indicating a financial, social, or a lifestyle transition.

In this episode, Jeremy Keil interviews Barbara O’Neill. As the author of the book “Flipping a Switch: Your Guide to Happiness and Financial Security in Later Life,” Dr. O’Neill highlights some of the biggest changes that you can expect to face during retirement and how to cope with them.

Barbara discusses:

3 Ways to Make Your Transition to Retirement Easier

Once you retire, you get to call your own shots!

Your taxes, where you withdraw your money from, how you spend your day, who you remain connected with — it’s all up to you. It might feel like a drastic change, but don’t worry.

Read on to learn 3 ways to make your transition to retirement easier!

1) Asking the Right Questions

While creating a retirement plan, it’s important to address both the financial and nonfinancial aspects of your life.

For instance, think about:

The list goes on…

If you want to take a deeper dive into the financial, social, and lifestyle transitions that you can start preparing for, check out Barbara O’Neill’s book: “Flipping a Switch: Your Guide to Happiness and Financial Security in Later Life.”

2) The Most Important Switch: Saver to Spender

After working hard your entire life to accumulate wealth for retirement, it’s not easy to watch that balance go down.

The fear of running out of money might hold you back from living your retirement dreams.

But Dr. O’Neill has said it best, “If you don’t spend your money, somebody else will.” So, create an effective spending plan for your retirement, project how much money you might need every year, and then, spend without worry!

Not sure how to do that? Consider consulting a financial advisor to help you flip the most important switch of retirement: from saver to spender.

3) Build Financial Resiliency

If the COVID-19 pandemic has taught us anything, it’s the importance of resiliency.

Over the past few months, businesses suffered huge losses and several people lost their jobs. A lot of people even lost their loved ones.

To help you be prepared for such crises in the future, here are 5 pro-tips by Dr. O’Neill:

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Don’t forget to check out the resources below to learn more about transitioning to retirement.

If you have any questions, feel free to contact us or reach out directly to Barbara O’Neill using the information below!

Resources:

Connect With Barbara O’ Neill:

Connect With Jeremy Keil:

About Our Guest:

Dr. Barbara O’Neill, CFP(R), AFC is the owner/CEO of Money Talk: Financial Planning Seminars and Publications. She writes, speaks, and reviews content about personal finance. A Distinguished Professor Emeritus at Rutgers University, she has written over 160 articles for academic publications and received over 35 national awards and over $1.2 million in grants to support financial education programs and research. She tweets daily personal finance information using the handle @moneytalk1

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