What’s really holding you back from taking that next financial step? Join us as we explore how avoidance slowly erodes confidence, why shame and fear create roadblocks, and how to replace procrastination with purposeful progress. 

In this episode, we discuss: 

• Why avoidance = erosion, not explosion
• The Hurricane vs. Tornado analogy
• How to conduct a “Shame Audit”
• Why small steps can create big financial changes

Today's article is from the Money Changes Everything titled, Don’t Wait for the Asteroid: Why You Have to Face the Music About Money NOW. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation.

Show Notes: HowardBailey.com/529

📧 WEEKEND READING FOR RETIREES: Receive CFP® insight on 4 hand-picked financial articles delivered straight to your Inbox each Friday: https://bit.ly/3OEdGgu 

📅SCHEDULE YOUR PERSONAL FINANCIAL REVIEW: Book a 15-minute call with Howard Bailey Financial to see how the topics discussed here apply to your individual situation: https://bit.ly/3T6oNDB

ABOUT HOWARD BAILEY FINANCIAL: Our mission is to help others gain clarity in purpose and elevate meaning in their lives through personal and practical financial strategies. Our Retire With Purpose™ Framework starts with establishing your unique financial philosophy — the true meaning and purpose for your money in retirement. Through continued education, one-on-one meetings, and a comprehensive team planning approach, we have helped retirees across the country secure their financial futures. And while we can't work with everyone, our goal is to provide value to everyone we meet. Our team of advisors and support specialists strive to deliver the very best experience in pre-retirement and retirement planning. Learn more about our process here: https://howardbailey.com/our-process

The belief that more data equals more control is an illusion. Our obsession with finding the “perfect” financial plan and receiving constant information often leads to anxiety, not peace. Join us as we explore why embracing uncertainty, focusing on what you can control, and leading with purpose can help create true financial (and emotional) freedom. 

In this episode, we discuss: 

• How to balance control with surrender
• The pitfalls of too much information
• Dangers of financial fundamentalism
• How to go from analysis to action

Today's article is from The Net Worthwhile® Weekly blog titled The Money Mystic's Guide To Financial Sanity. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade is joined by Les McDaniel to discuss how embracing uncertainty, focusing on what you can control, and leading with purpose fosters true financial and emotional freedom.

Show Notes: HowardBailey.com/528

📧 WEEKEND READING FOR RETIREES: Receive CFP® insight on 4 hand-picked financial articles delivered straight to your Inbox each Friday: https://bit.ly/3OEdGgu 

📅SCHEDULE YOUR PERSONAL FINANCIAL REVIEW: Book a 15-minute call with Howard Bailey Financial to see how the topics discussed here apply to your individual situation: https://bit.ly/3T6oNDB

ABOUT HOWARD BAILEY FINANCIAL: Our mission is to help others gain clarity in purpose and elevate meaning in their lives through personal and practical financial strategies. Our Retire With Purpose™ Framework starts with establishing your unique financial philosophy — the true meaning and purpose for your money in retirement. Through continued education, one-on-one meetings, and a comprehensive team planning approach, we have helped retirees across the country secure their financial futures. And while we can't work with everyone, our goal is to provide value to everyone we meet. Our team of advisors and support specialists strive to deliver the very best experience in pre-retirement and retirement planning. Learn more about our process here: https://howardbailey.com/our-process

Today, I’m speaking with Edward McQuarrie. Ed is the Professor Emeritus at Santa Clara University, where he taught in the marketing department for more than three decades before retiring in 2016. After stepping away from teaching, Ed pursued a new passion in researching financial market history and retirement income planning. 

His work has been featured in the Wall Street Journal, MarketWatch, and Barron’s, and he frequently contributes to our Weekend Reading for Retirees series. He was introduced to us by past guest William Bernstein, who insisted Ed would be a must-hear voice on the show.

In this conversation, Ed challenges decades of conventional wisdom around investing. He explains why “stocks for the long run” isn’t always the safest bet, how cherry-picked data can mislead investors, and why separating risk-free assets from growth assets may be more important than diversification alone. Ed also shares the insights from his extensive historical research, covering stock and bond returns going back to the 1700s, and how it relates to retirement planning today.

We also dig into the evolving conversation around Roth conversions, the limitations of relying solely on stocks and bonds, and why tools like TIPS ladders or annuities can help secure baseline retirement income. Ed’s clear-eyed, historically grounded perspective will challenge the assumptions you’ve been taught and help you build a more resilient, reality-based plan for the future.

In this podcast interview, you’ll learn:

• Why “stocks always outperform bonds” is a myth—and what 200 years of history actually reveal.
• The risks of relying on cherry-picked data in financial planning.
• How economic “regimes” shape investment returns across decades and centuries.
• Why risk separation, not just diversification, is key to retirement planning.
• The pros and cons of Roth conversions—and why sometimes doing nothing may be the smartest move.
• How to use TIPS ladders, annuities, and other tools to secure your baseline retirement income.

Show Notes: HowardBailey.com/527

📧 WEEKEND READING FOR RETIREES: Receive CFP® insight on 4 hand-picked financial articles delivered straight to your Inbox each Friday: https://bit.ly/3OEdGgu 

📅SCHEDULE YOUR PERSONAL FINANCIAL REVIEW: Book a 15-minute call with Howard Bailey Financial to see how the topics discussed here apply to your individual situation: https://bit.ly/3T6oNDB

ABOUT HOWARD BAILEY FINANCIAL: Our mission is to help others gain clarity in purpose and elevate meaning in their lives through personal and practical financial strategies. Our Retire With Purpose™ Framework starts with establishing your unique financial philosophy — the true meaning and purpose for your money in retirement. Through continued education, one-on-one meetings, and a comprehensive team planning approach, we have helped retirees across the country secure their financial futures. And while we can't work with everyone, our goal is to provide value to everyone we meet. Our team of advisors and support specialists strive to deliver the very best experience in pre-retirement and retirement planning. Learn more about our process here: https://howardbailey.com/our-process

What if the common advice to wait until age 70 for Social Security isn’t always the best move? Could claiming earlier actually give you more freedom and peace of mind in retirement? 

In this episode, we discuss: 

• Risks of “blanketed” Social Security advice
• Determining your expected value vs. expected utility
• Mortality, sequence of returns, and policy risks
• Pinpointing your “personalized discount rate”

Today's article is from the Kitces.com blog titled, Why Delaying Social Security Benefits Isn’t Always The Best Decision. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation.

Show Notes: HowardBailey.com/526

📧 WEEKEND READING FOR RETIREES: Receive CFP® insight on 4 hand-picked financial articles delivered straight to your Inbox each Friday: https://bit.ly/3OEdGgu 

📅SCHEDULE YOUR PERSONAL FINANCIAL REVIEW: Book a 15-minute call with Howard Bailey Financial to see how the topics discussed here apply to your individual situation: https://bit.ly/3T6oNDB

ABOUT HOWARD BAILEY FINANCIAL: Our mission is to help others gain clarity in purpose and elevate meaning in their lives through personal and practical financial strategies. Our Retire With Purpose™ Framework starts with establishing your unique financial philosophy — the true meaning and purpose for your money in retirement. Through continued education, one-on-one meetings, and a comprehensive team planning approach, we have helped retirees across the country secure their financial futures. And while we can't work with everyone, our goal is to provide value to everyone we meet. Our team of advisors and support specialists strive to deliver the very best experience in pre-retirement and retirement planning. Learn more about our process here: https://howardbailey.com/our-process

Retirement is about more than finances — it’s about meaning and growth. Join us as we explore common “belief traps” that can hold you back, how to reframe your story, and expand what’s possible in the years ahead. 

In this episode, we discuss: 

• How the echo chamber and certainty traps limit perspective and growth
• Why the comfort trap keeps you stuck — and how to break free
• The danger of the perfection and irrelevance traps in later life
• A powerful exercise to reframe your time horizon and live with greater purpose

Today's article is from our own blog titled 12 Belief Traps Keeping You from a Meaningful and Impactful Retirement. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade is joined by Les McDaniel to uncover common belief traps, how to reframe your story, and practical ways to expand what’s possible in the next chapter of life.

Show Notes: HowardBailey.com/525

📧 WEEKEND READING FOR RETIREES: Receive CFP® insight on 4 hand-picked financial articles delivered straight to your Inbox each Friday: https://bit.ly/3OEdGgu 

📅SCHEDULE YOUR PERSONAL FINANCIAL REVIEW: Book a 15-minute call with Howard Bailey Financial to see how the topics discussed here apply to your individual situation: https://bit.ly/3T6oNDB

ABOUT HOWARD BAILEY FINANCIAL: Our mission is to help others gain clarity in purpose and elevate meaning in their lives through personal and practical financial strategies. Our Retire With Purpose™ Framework starts with establishing your unique financial philosophy — the true meaning and purpose for your money in retirement. Through continued education, one-on-one meetings, and a comprehensive team planning approach, we have helped retirees across the country secure their financial futures. And while we can't work with everyone, our goal is to provide value to everyone we meet. Our team of advisors and support specialists strive to deliver the very best experience in pre-retirement and retirement planning. Learn more about our process here: https://howardbailey.com/our-process

You're told to shift from “growth” to “protection” the moment you retire and leave the workforce. But is it really that simple? Join us as we break down the false dichotomy of pre- vs. post-retirement investing, showing why your strategy should always include a mix of offense and defense.  

In this episode, we discuss: 

• Your biggest risks in retirement
• How to leverage all your assets (stocks, bonds, pensions, Social Security, real estate, life insurance, etc. in your income strategy)
• Forbes writer Tim Maurer’s 4-Bucket Approach to a holistic retirement plan

Today's article is from the Forbes titled, The (False) Dichotomy Of Investing Before And After Retirement. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation.

Show Notes: HowardBailey.com/524

📧 WEEKEND READING FOR RETIREES: Receive CFP® insight on 4 hand-picked financial articles delivered straight to your Inbox each Friday: https://bit.ly/3OEdGgu 

📅SCHEDULE YOUR PERSONAL FINANCIAL REVIEW: Book a 15-minute call with Howard Bailey Financial to see how the topics discussed here apply to your individual situation: https://bit.ly/3T6oNDB

ABOUT HOWARD BAILEY FINANCIAL: Our mission is to help others gain clarity in purpose and elevate meaning in their lives through personal and practical financial strategies. Our Retire With Purpose™ Framework starts with establishing your unique financial philosophy — the true meaning and purpose for your money in retirement. Through continued education, one-on-one meetings, and a comprehensive team planning approach, we have helped retirees across the country secure their financial futures. And while we can't work with everyone, our goal is to provide value to everyone we meet. Our team of advisors and support specialists strive to deliver the very best experience in pre-retirement and retirement planning. Learn more about our process here: https://howardbailey.com/our-process

Many of us spend decades climbing Maslow’s pyramid — seeking security, comfort, and experiences — only to realize that the top is where true joy lives.  Join us as we explore the “Happiness Hierarchy” and why lasting fulfillment comes not from what you buy or where you travel, but from who you become. 

In this episode, we discuss: 

• How to shift from “having enough” to “becoming more”
• Why Maslow’s hierarchy is often misunderstood
• The three levels of happiness
• Why reflection unlocks the freedom to become

Today's article is from Jordan Grumet blog titled Rethinking Maslow. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade is joined by Les McDaniel to explore the “Happiness Hierarchy.

Show Notes: HowardBailey.com/523

📧 WEEKEND READING FOR RETIREES: Receive CFP® insight on 4 hand-picked financial articles delivered straight to your Inbox each Friday: https://bit.ly/3OEdGgu 

📅SCHEDULE YOUR PERSONAL FINANCIAL REVIEW: Book a 15-minute call with Howard Bailey Financial to see how the topics discussed here apply to your individual situation: https://bit.ly/3T6oNDB

ABOUT HOWARD BAILEY FINANCIAL: Our mission is to help others gain clarity in purpose and elevate meaning in their lives through personal and practical financial strategies. Our Retire With Purpose™ Framework starts with establishing your unique financial philosophy — the true meaning and purpose for your money in retirement. Through continued education, one-on-one meetings, and a comprehensive team planning approach, we have helped retirees across the country secure their financial futures. And while we can't work with everyone, our goal is to provide value to everyone we meet. Our team of advisors and support specialists strive to deliver the very best experience in pre-retirement and retirement planning. Learn more about our process here: https://howardbailey.com/our-process

Living longer is one thing. Living well is another. In Part 2 of my conversation with Dr. Bobby Dubois, we unpack the final three pillars of his blueprint for longevity: mind-body harmony, heat & cold exposure, and social relationships.

Dr. Bobby explains why practices like meditation, breathwork, and even walking in nature can calm the brain and lower anxiety. We also explore the science-backed benefits of sauna and cold plunging—and what’s hype versus what’s real. Finally, we uncover why social connection is the single strongest predictor of living a long, healthy, and fulfilling life.

If you want practical, evidence-based ways to boost your health, not just your longevity, this episode shows you how to put it all together.

In this podcast interview, you’ll learn:

• How meditation and breathwork improve brain and heart health.
• Why saunas reduce risk of heart attack and stroke.
• The science behind cold plunges and their impact on mood and happiness.
• Why social connection is the strongest predictor of longevity, even more than exercise.
• How to be your own “quarterback” for health and wellness instead of hiring multiple coaches and gurus.

Show Notes: HowardBailey.com/522

📧 WEEKEND READING FOR RETIREES: Receive CFP® insight on 4 hand-picked financial articles delivered straight to your Inbox each Friday: https://bit.ly/3OEdGgu 

📅SCHEDULE YOUR PERSONAL FINANCIAL REVIEW: Book a 15-minute call with Howard Bailey Financial to see how the topics discussed here apply to your individual situation: https://bit.ly/3T6oNDB

ABOUT HOWARD BAILEY FINANCIAL: Our mission is to help others gain clarity in purpose and elevate meaning in their lives through personal and practical financial strategies. Our Retire With Purpose™ Framework starts with establishing your unique financial philosophy — the true meaning and purpose for your money in retirement. Through continued education, one-on-one meetings, and a comprehensive team planning approach, we have helped retirees across the country secure their financial futures. And while we can't work with everyone, our goal is to provide value to everyone we meet. Our team of advisors and support specialists strive to deliver the very best experience in pre-retirement and retirement planning. Learn more about our process here: https://howardbailey.com/our-process

What can ancient wisdom teach us about modern retirement? From budgeting with freedom to preparing for life’s surprises, tackling debt, planning wisely, and redefining generosity in retirement, insights of the past can show how true wealth goes beyond dollars. 

In this episode, we discuss: 

• The importance of having a budget, even in retirement
• Emergency fund: How much do you need?
• Debt and dependence
• Generosity in retirement: Stewardship, legacy planning, and the “Die with Zero” philosophy

Today's article is from our very own blog post titled, Five Timeless Proverbs for a Wise and Wealthy Retirement. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation.

Show Notes: HowardBailey.com/521

📧 WEEKEND READING FOR RETIREES: Receive CFP® insight on 4 hand-picked financial articles delivered straight to your Inbox each Friday: https://bit.ly/3OEdGgu 

📅SCHEDULE YOUR PERSONAL FINANCIAL REVIEW: Book a 15-minute call with Howard Bailey Financial to see how the topics discussed here apply to your individual situation: https://bit.ly/3T6oNDB

ABOUT HOWARD BAILEY FINANCIAL: Our mission is to help others gain clarity in purpose and elevate meaning in their lives through personal and practical financial strategies. Our Retire With Purpose™ Framework starts with establishing your unique financial philosophy — the true meaning and purpose for your money in retirement. Through continued education, one-on-one meetings, and a comprehensive team planning approach, we have helped retirees across the country secure their financial futures. And while we can't work with everyone, our goal is to provide value to everyone we meet. Our team of advisors and support specialists strive to deliver the very best experience in pre-retirement and retirement planning. Learn more about our process here: https://howardbailey.com/our-process

Today, I’m speaking with Dr. Bobby Dubois. Dr. Bobby is a Harvard-educated physician, Board-Certified in Internal Medicine with over 25 years of experience. He’s an author, entrepreneur, wellness doctor, and Ironman Triathlete. Most recently, he led a health policy research organization in Washington, D.C. (National Pharmaceutical Council) as its Chief Science Officer and Executive Vice President.

Prior to that, he served as the Chief Medical Officer of Cerner Life Sciences and co-founded Proto Care Sciences. He's the host of the Live Long and Well podcast and has made it his mission to help others cut through the noise and live longer with more energy as they age.

The simple fact is, most retirees and pre-retirees want more time, energy, and independence to enjoy the life they’ve worked so hard to build. However, the reality is that longevity without good health won’t achieve the lifestyle that most retirees envisioned during their working years.

In part 1 of this 2-part conversation, we delve into the life-extending benefits of aerobic exercise, the scientific advantages of consistent sleep, and the surprising role of relationships in promoting increased longevity. Dr. Bobby outlines his six pillars of health and explains how to apply them in retirement. And here’s the good news: it’s never too late to start.

In its simplest form, his advice is strikingly similar to what you’d hear from a financial advisor: It’s much better to start saving and exercising young, but it’s never too late to start. If you want to live not only longer, but better, this episode provides a clear path and roadmap to get there.

GET A FREE COPY OF DR. BOBBY DUBOIS’ E-BOOK, HOW TO LIVE LONG AND WELL

Here’s how:

Step 1: Subscribe to the podcast and leave an honest rating & review on iTunes. Step 2: Text the word BOOK to 888-599-4491, and we’ll send you a link to claim your free copy!

In this podcast interview, you’ll learn:

• Why exercise is the most powerful lever for longevity.
• The six pillars of health that drive longevity and overall wellness.
• Why it’s never too late to start strength training and the surprising results from those who start later in life.
• The importance of a good sleep and tips to make it happen consistently.
• How sleep clears toxins from the brain and extends healthspan.
• How to diagnose the placebo effect to know when changing routines is working or not.
• Why social connection is just as important as diet and exercise.

Show Notes: HowardBailey.com/520

📧 WEEKEND READING FOR RETIREES: Receive CFP® insight on 4 hand-picked financial articles delivered straight to your Inbox each Friday: https://bit.ly/3OEdGgu 

📅SCHEDULE YOUR PERSONAL FINANCIAL REVIEW: Book a 15-minute call with Howard Bailey Financial to see how the topics discussed here apply to your individual situation: https://bit.ly/3T6oNDB

ABOUT HOWARD BAILEY FINANCIAL: Our mission is to help others gain clarity in purpose and elevate meaning in their lives through personal and practical financial strategies. Our Retire With Purpose™ Framework starts with establishing your unique financial philosophy — the true meaning and purpose for your money in retirement. Through continued education, one-on-one meetings, and a comprehensive team planning approach, we have helped retirees across the country secure their financial futures. And while we can't work with everyone, our goal is to provide value to everyone we meet. Our team of advisors and support specialists strive to deliver the very best experience in pre-retirement and retirement planning. Learn more about our process here: https://howardbailey.com/our-process