Beyond Retirement

By Jacquie DoucetteSociety & Culture Education Self-Improvement Philosophy Personal Journals

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Typical duration
9 min
per episode

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Beyond Retirement episodes

February 06, 2022 It's Time to be YOU!
Leah Sefor is South Africa's go-to life and relationships expert. She is well known for being a straight-talking, take-no-prisoners life coach, author, podcaster and speaker whose work is all about "what it means to be real." Leah has worked internationally with individuals, couples and organisations for more than 26 years and also appears regularly on TV & Radio as a life, relationships and communications expert.
Leah's message is simple: There is no better time to step out and be YOU! Learning to be "real" in all your relationships and all your activities takes practice and effort. Leah is ready to guide you along that journey. She knows there's nobody just like you out there - and once you figure out who "YOU" really are, you'll be unstoppable.
On Leah's website, https://leahsefor.com/freebies, you will find three gifts:
1. Ebook - 5 Ways You're Breaking Your Relationship and what to do about it
2. Audio - Open-Heart Meditation
3. Video - Stop the Self-Sabotage
You will find Leah as @leahsefor on social media:
Instagram: https://www.instagram.com/leah.sefor/
Facebook: https://www.facebook.com/leahsefor
Twitter: https://twitter.com/leahsefor
LinkedIn: https://www.linkedin.com/in/leahsefor/
She's also got her own podcast, The Get Real Podcast with Leah Sefor, that you can find on all podcast platforms.
30 min
January 30, 2022 What Are Your Decisions Costing You? Part 2
The conversation with Laurence Kotlikoff continues. Please see episode 163 for notes and find out more about Laurence and what he offers at any of these links:
kotlikoff.net
maxifi.com
maximizemysocialsecurity.com
analyzemydivorcesettlement.com
34 min
January 30, 2022 What Are Your Decisions Costing You? Part 2
The conversation with Laurence Kotlikoff continues. Please see episode 163 for notes and find out more about Laurence and what he offers at any of these links:
kotlikoff.net [http://kotlikoff.net/]
maxifi.com [http://maxifi.com/]
maximizemysocialsecurity.com [http://maximizemysocialsecurity.com/]
analyzemydivorcesettlement.com [http://analyzemydivorcesettlement.com/]
34 min
January 23, 2022 What Are Your Decisions Costing You?
Laurence Kotlikoff is a renowned economist. He is a Professor of Economics at Boston University and the author of Money Magic -- an Economist's Secrets to More Money, Less Risk, and a Better Life.
Every choice we make costs us something; whether we acknowledge that cost or not is another matter. To properly plan for and navigate through our retirement, we have to be willing to assign the appropriate costs to all the choices we make.
If we decide to move to a less costly location, selling our home and uprooting our life, we'll save money on costs like utilities and property taxes, gas and food. But moving from our current home has a cost - what about the friends you leave behind? What about the familiarity with the neighbourhood and the surrounding towns? You have to start all over in the new location. There is a cost associated with that - the loss of familiarity and the need to take time to grow it again.
These costs are part of Laurence's book, Money Magic, which is available in stores and online now.
Please check out what Laurence has to offer on the many sites he's got:
kotlikoff.net
maxifi.com
maximizemysocialsecurity.com
analyzemydivorcesettlement.com
32 min
January 23, 2022 What Are Your Decisions Costing You?
Laurence Kotlikoff is a renowned economist. He is a Professor of Economics at Boston University and the author of Money Magic -- an Economist's Secrets to More Money, Less Risk, and a Better Life.
Every choice we make costs us something; whether we acknowledge that cost or not is another matter. To properly plan for and navigate through our retirement, we have to be willing to assign the appropriate costs to all the choices we make.
If we decide to move to a less costly location, selling our home and uprooting our life, we'll save money on costs like utilities and property taxes, gas and food. But moving from our current home has a cost - what about the friends you leave behind? What about the familiarity with the neighbourhood and the surrounding towns? You have to start all over in the new location. There is a cost associated with that - the loss of familiarity and the need to take time to grow it again.
These costs are part of Laurence's book, Money Magic, which is available in stores and online now.
Please check out what Laurence has to offer on the many sites he's got:
kotlikoff.net [http://kotlikoff.net/]
maxifi.com [http://maxifi.com/]
maximizemysocialsecurity.com [http://maximizemysocialsecurity.com/]
analyzemydivorcesettlement.com [http://analyzemydivorcesettlement.com/]
32 min
January 16, 2022 Let's Chat about E.A.'s Ideas
TRANSCRIPT:
I believe that heading into our Beyond Retirement phase of life is a great time to start taking a look at the people we’re hanging around with, if we haven’t done that already. EA said there are really 3 groups that a person can be categorized into based on their actions - there are Givers and there are Takers and as expected, they have different characteristics and they interact with us differently. The third group is made up of the Fence-Sitters, the folks who behave as either a Giver or a Taker, depending on whose company they’re in. This group is by far the largest of the three, as you can imagine.
I’ve been thinking about this a lot since our conversation, trying to figure out how to make it all make sense from a Beyond Retirement point of view. One of the ways EA defines the differences between Givers and Takers is in what they share with others. Givers bring wisdom, wealth and wellness to their relationships, while Takers bring defeatism, destruction and disruption to their relationships. Just going by those gifts (if you can call them that), I’d think it’s pretty easy to see that you’d be gaining a lot more from a relationship with a Giver than with a Taker, regardless of what phase of life you’re in. And as we travel the road Beyond Retirement, I think we’re going to find that wisdom, wealth and wellness are concepts that we want to pursue, whether or not we’ve done so up to this point, because these are the concepts that are going to take us forward and bring us closer to the joy and fulfilment that we’re looking for in this stage of life. So being able to figure out whether you’re chatting with a Giver or a Taker is a pretty important skill to acquire, I’d say.
The next thing EA mentioned is the idea that we should separate the people in our lives from their actions. Usually, we make a decision about a person based on what they say and do; we decide whether or not we like them because we either like or dislike their actions or words. But EA pointed out that we can like or love a person and not like or love what they’re doing. He called this discernment. The Merriam-Webster dictionary defines discernment as “the quality of being able to grasp and comprehend what is obscure.” To grasp means to lay hold of with the mind and obscure means not known to most people; likely to be understood by only a few people; difficult or impossible to know completely and with certainty. So, the bottom line here is that developing the quality of discernment will probably set you apart from the majority of people and with this skill, you’ll be able to really see people for who they are and figure out whether they’re going to drain you or fill you up. And I think it’s safe to say that by the time we get to the stage of life we’re in, we aren’t looking for people to drain us!
Something I learned quite a while ago that’s stuck with me is the idea that you become the average of the 5 people you spend the most time with. The idea here is that you start to think like these people and act like these people, so consequently your choices are similar, and you will eventually rise or fall to the level that is about midline of that group. Depending on the group you’re in, you are someone’s number 1 or number 5 too, and they’ll be moving up or down to match where you are. All of this is quite subconscious, naturally, but the act of finding and maximizing the potential of your group should be no accident. Especially as you’re going into the retirement years. You’ll want to find people who share your interests and values, people who see things the way you do, because these are the people who are going to help you make the transition and create the best life you can have.
So how do you find these people? I think the first step is to start examining the people you spend time with now. What are they doing?
9 min
January 16, 2022 Let's Chat about E.A.'s Ideas
TRANSCRIPT:
I believe that heading into our Beyond Retirement phase of life is a great time to start taking a look at the people we're hanging around with, if we haven't done that already. EA said there are really 3 groups that a person can be categorized into based on their actions - there are Givers and there are Takers and as expected, they have different characteristics and they interact with us differently. The third group is made up of the Fence-Sitters, the folks who behave as either a Giver or a Taker, depending on whose company they're in. This group is by far the largest of the three, as you can imagine.
I've been thinking about this a lot since our conversation, trying to figure out how to make it all make sense from a Beyond Retirement point of view. One of the ways EA defines the differences between Givers and Takers is in what they share with others. Givers bring wisdom, wealth and wellness to their relationships, while Takers bring defeatism, destruction and disruption to their relationships. Just going by those gifts (if you can call them that), I'd think it's pretty easy to see that you'd be gaining a lot more from a relationship with a Giver than with a Taker, regardless of what phase of life you're in. And as we travel the road Beyond Retirement, I think we're going to find that wisdom, wealth and wellness are concepts that we want to pursue, whether or not we've done so up to this point, because these are the concepts that are going to take us forward and bring us closer to the joy and fulfilment that we're looking for in this stage of life. So being able to figure out whether you're chatting with a Giver or a Taker is a pretty important skill to acquire, I'd say.
The next thing EA mentioned is the idea that we should separate the people in our lives from their actions. Usually, we make a decision about a person based on what they say and do; we decide whether or not we like them because we either like or dislike their actions or words. But EA pointed out that we can like or love a person and not like or love what they're doing. He called this discernment. The Merriam-Webster dictionary defines discernment as "the quality of being able to grasp and comprehend what is obscure." To grasp means to lay hold of with the mind and obscure means not known to most people; likely to be understood by only a few people; difficult or impossible to know completely and with certainty. So, the bottom line here is that developing the quality of discernment will probably set you apart from the majority of people and with this skill, you'll be able to really see people for who they are and figure out whether they're going to drain you or fill you up. And I think it's safe to say that by the time we get to the stage of life we're in, we aren't looking for people to drain us!
Something I learned quite a while ago that's stuck with me is the idea that you become the average of the 5 people you spend the most time with. The idea here is that you start to think like these people and act like these people, so consequently your choices are similar, and you will eventually rise or fall to the level that is about midline of that group. Depending on the group you're in, you are someone's number 1 or number 5 too, and they'll be moving up or down to match where you are. All of this is quite subconscious, naturally, but the act of finding and maximizing the potential of your group should be no accident. Especially as you're going into the retirement years. You'll want to find people who share your interests and values, people who see things the way you do, because these are the people who are going to help you make the transition and create the best life you can have.
So how do you find these people? I think the first step is to start examining the people you spend time with now. What are they doing?
9 min
January 09, 2022Are You A Giver or A Taker?
E. A. Csolkovits was born in 1956 in Chicago, Illinois. His father was a milkman. At age 16, E.A. started his business career at a commission sales job selling janitorial services to business owners.
At the age of 19, he met Sam Robbins, a millionaire businessman from Detroit, Michigan. Sam took E. A. under his wing and began to mentor him. E. A. began working for Sam at the House of Holland Jewelers in the diamond business.
In 1980, Sam established a private grant meant to be a part of his legacy due to his lifelong fight with diabetes. Due to this grant in 1980, Sam and E. A. began to formulate heart healthy and wellness nutritional foods and drinks. Over the next 45+ years, E. A. was blessed with many business and personal achievements.
Professional Achievements:
Chairman of House of Holland Jewelers at 21 years old.
Started and operated Columbia Nutrition System, consisting of an international workforce organization of over 10,000 managers and professionals.
Started and operated Delta International, which included building an international workforce organization of over 33,000, producing multimillions of dollars in volume.
Hosted a business radio talk show (E. A. Csolkovits Live) which was heard across the U.S.A. and Canada, interviewed 3 different company presidents for 5 nightly shows each week.
High-end, Results-oriented business consultant who received as much as $1,500 per hour for his business advice.

Personal Achievements:
Millionaire at age 23.
1st year of personal income exceeding $1 million in 1 year in 1989 at 33 years old.
Owner of a 1,000-acre wildlife sanctuary.
Commercial pilot with multi-engine complex and instrument ratings.
2nd degree black belt in martial arts.
Advanced PADI certified scuba diver.
Authored and completed the updated versions of the courses and books he titled The GIVERS Mindset™, The GIVERS Lifestyle™ and The GIVERS Lifelong Learning™ for the GIVE To Be Great™ series while serving at Morgantown, West Virginia
Founder and Patriarch of the GIVERS University to teach others worldwide about GIVERS and Takers.
Invented the world’s first and only nutritional and healthy foods and drinks formulations using a special Fibonacci sequence code combined with the Divine numerical code which exists in all of nature while serving at Morgantown, West Virginia.
Encoded the world’s first and only Wellness foods and drinks containing the secret Nutrient Dense Foods® Code which blends both the Fibonacci Code with the Divine Code which exists in all of nature.
Researched, selected, scribed, and completed “The GIVERS Codex™, which is based on the original Intelligent Design inspired by Ancient Texts.

Link Mentioned In the Podcast:
To Get Free Downloads: http://www.GIVERSuniversity.com
YouTube Channel for GIVERS University (Weekly Episodes of “Discern”): https://YouTube.com/GIVERSuniversity
Go to this URL to do your 5-min Quiz: http://www.giversuniversity.info Quiz Title: “What Is Your GIVERS & Takers Awareness IQ?” Do the 7-Question Quiz & get your FREE assessment & your FREE usable downloads
Connect with E.A.:
YouTube: https://YouTube.com/GIVERSuniversity
LinkedIn:
36 min
January 09, 2022 Are You A Giver or A Taker?
E. A. Csolkovits was born in 1956 in Chicago, Illinois. His father was a milkman. At age 16, E.A. started his business career at a commission sales job selling janitorial services to business owners.
At the age of 19, he met Sam Robbins, a millionaire businessman from Detroit, Michigan. Sam took E. A. under his wing and began to mentor him. E. A. began working for Sam at the House of Holland Jewelers in the diamond business.
In 1980, Sam established a private grant meant to be a part of his legacy due to his lifelong fight with diabetes. Due to this grant in 1980, Sam and E. A. began to formulate heart healthy and wellness nutritional foods and drinks. Over the next 45+ years, E. A. was blessed with many business and personal achievements.
Professional Achievements:
* Chairman of House of Holland Jewelers at 21 years old.
* Started and operated Columbia Nutrition System, consisting of an international workforce organization of over 10,000 managers and professionals.
* Started and operated Delta International, which included building an international workforce organization of over 33,000, producing multimillions of dollars in volume.
* Hosted a business radio talk show (E. A. Csolkovits Live) which was heard across the U.S.A. and Canada, interviewed 3 different company presidents for 5 nightly shows each week.
* High-end, Results-oriented business consultant who received as much as $1,500 per hour for his business advice.
Personal Achievements:
* Millionaire at age 23.
* 1st year of personal income exceeding $1 million in 1 year in 1989 at 33 years old.
* Owner of a 1,000-acre wildlife sanctuary.
* Commercial pilot with multi-engine complex and instrument ratings.
* 2nd degree black belt in martial arts.
* Advanced PADI certified scuba diver.
* Authored and completed the updated versions of the courses and books he titled The GIVERS Mindset™, The GIVERS Lifestyle™ and The GIVERS Lifelong Learning™ for the GIVE To Be Great™ series while serving at Morgantown, West Virginia
* Founder and Patriarch of the GIVERS University to teach others worldwide about GIVERS and Takers.
* Invented the world's first and only nutritional and healthy foods and drinks formulations using a special Fibonacci sequence code combined with the Divine numerical code which exists in all of nature while serving at Morgantown, West Virginia.
* Encoded the world's first and only Wellness foods and drinks containing the secret Nutrient Dense Foods® Code which blends both the Fibonacci Code with the Divine Code which exists in all of nature.
* Researched, selected, scribed, and completed "The GIVERS Codex™, which is based on the original Intelligent Design inspired by Ancient Texts.
Link Mentioned In the Podcast:
To Get Free Downloads: http://www.GIVERSuniversity.com
YouTube Channel for GIVERS University (Weekly Episodes of "Discern"): https://YouTube.com/GIVERSuniversity
Go to this URL to do your 5-min Quiz: http://www.giversuniversity.info Quiz Title: "What Is Your GIVERS & Takers Awareness IQ?" Do the 7-Question Quiz & get your FREE assessment & your FREE usable downloads
Connect with E.A.:
YouTube: https://YouTube.com/GIVERSuniversity [https://youtube.com/GIVERSuniversity]
LinkedIn:
36 min
January 02, 2022 Season 4 is Under Way!
It's hard to believe another year has come and gone, but it's now 2022 and along with the new year is a new season of Beyond Retirement!
This season, I'm going to try to focus on a few themes that I've come up with, in an attempt to keep on track with the idea of retirement preparation.
The themes for this season are PLANNING, FREEDOM, CONFIDENCE, and GENEROSITY. Each of the guests I speak with this season will have something to share with us relating to at least one of these themes.
I'm hoping to get some input from the audience as well - topics you'd like to hear about, people you think would be interesting to hear from, anything that might relate to making retirement great for you and others.
As always, you can reach me at [email protected] or by clicking any of the links on my website, https://www.beyondretirement.ca
Here's to you - thanks for listening!
7 min