The first half of 2026 is ending. But there’s another whole half of the year ahead. Remember your New Year’s resolutions? A fading memory, but there are aspirations in them that you can bring to life in the second half.

Join me for a free 60-minute FREE small group workshop on how to apply Stanford’s BJ Fogg’s 3-step habits process to three things you’d like to start in the second half of 2026.

July 1st | 12:00 Eastern | Zoom Sign up here

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Let’s face it. We spend years preparing for a career and almost no time preparing for the decades that follow. In this episode, investor advocate Pam Krueger, founder and CEO of Wealthramp and creator of PBS’s MoneyTrack, rejoins us to reframe what retirement readiness really means. The conversation moves from the money (why diversification is a verb; why the sequence of your returns matter; and why the saving habit that built your wealth has to be unlearned to spend it) to the life side of the equation (the “dimmer switch” alternative to the on/off switch of a traditional retirement,  and the conversation couples should not skip).

The big idea Pam shared today is optionality: instead of planning toward a single date or a magic number to hit, build a plan that’s resilient enough to flex as life changes, because it will. It’s a practical, candid look at designing the kind of next chapter you’ll love to get to live.

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Pam Krueger is an investor advocate, personal finance journalist, and author with over 25 years of industry experience. She’s the founder and CEO of Wealthramp, a fee-only financial advisor referral service built on a foundation of trust, transparency, and consumer protection. Since 2019, Wealthramp has connected nearly 30,000 people to right-fit advisors and coaches.

Pam is also the creator and co-host of the award-winning MoneyTrack series on PBS and the Friends Talk Money podcast. She’s a two-time Gracie Award winner and earned the NAPFA Special Achievement Award for championing fiduciary financial advice. Her work is widely respected for its transparency and focus on helping people achieve financial confidence.

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For More on Pam Krueger 

Wealthramp

Pam’s first visit with us is here

(She describes her approach to vetting financial advisors in the second half of the conversation)

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Other Retirement Podcast Conversations You’ll Love

What If Retirement Is the Wrong Goal? – John Coleman

Design a Phased Retirement – Anna Rappaport

The Second Curve of Life – Arthur C. Brooks

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Retiring Soon?

Do Your Due Dilligence:

Best Books for Retirement

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Wise Quotes

On a Balanced Aproach to Retirement Planning

“Financial plans are going to fail when life plans were never discussed.”

On a Gradual Shift to Retirement

“Retirement planning can be put on a dimmer switch. That’s why we have dimmer switches. When you let go of that on-off switch, you’re letting go of so much more than the grueling workday…If optionality is your goal, you’re going to be in a heck of a better position.”

On Shifting from Saving to Spending

“The very habit that helped you build wealth suddenly changes to a whole new strategy.”

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There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You’ll get smarter about the investment decisions you’ll make about the most important asset you’ll have in retirement: your time.