🎙️ Retirement

Retirement is something most people think about, but very few actually plan for properly.

In this thoughtful and practical episode, host Moshe Alpert, CFP® sits down with Dovid Goldfarb, who shares the real-life financial habits and disciplined mindset that allowed him to retire comfortably after more than 40 years of work.

From saving early and avoiding debt to living within your means and planning a meaningful life after your career, this episode offers a grounded perspective on what it really takes to build long-term financial stability.

Whether you're just starting your career or thinking about your future retirement, this conversation highlights the power of discipline, planning, and having a clear vision for life beyond work.

⏱️ Episode Breakdown:

[00:00] — Why people obsess about leaving money to their kids
[00:42] — Introducing Reb Dovid Goldfarb and the retirement conversation
[01:50] — What daily life looks like after retirement
[02:24] — Having a vision for retirement from the beginning
[03:06] — Starting a career: law school, business, and early lessons
[06:00] — The most important financial rule: don’t spend more than you earn
[07:52] — Buying a first home and staying within your means
[10:25] — How discipline shapes long-term financial success
[12:46] — Saving from the very first day of work
[13:56] — Why financial advisors can make a big difference
[16:23] — Career growth, responsibility, and balancing family life
[18:29] — The importance of discipline and time management
[22:23] — Raising children while managing major expenses
[24:55] — The dangers of credit card debt
[29:39] — Why life insurance is essential for young families
[31:30] — Long-term care insurance and planning for the unexpected
[33:34] — Investment strategy and working with professionals
[37:42] — Retirement lifestyle and living within your means
[40:03] — Why retirement needs purpose, not just money
[43:33] — Finding fulfillment through learning, volunteering, and giving back
[45:15] — Social Security and retirement income strategies
[50:00] — Final advice: discipline from the first day of work

🧠 Quote of the Episode:

“If you can’t afford to pay the bill at the end of the month, don’t buy it at the beginning of the month.”

👤 About the Guest

Dovid Goldfarb

After decades in business and leadership, Dovid retired with a clear vision of how he wanted to spend his time - learning, giving back, and helping others with the wisdom gained throughout his career.

His story offers a powerful reminder that retirement planning isn’t just about numbers—it’s about discipline, values, and purpose.

💼 About the Host

Moshe Alpert, CLU®, CFP®, ChFC®, RICP®, AEP®

Founder & CEO of Ceremian Financial. Moshe helps families turn complex financial decisions into clear, actionable plans built on values, goals, and real numbers.

🔗 Connect & Subscribe

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[email protected]

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📺 Watch the full episode on YouTube - https://youtu.be/Sw7kXmzANwc

🎛️ Production Credits

Produced & Edited by:
BIG Productions – Gidon Orman

🎙️ Contact:
[email protected]

917.579.9895

📌 Hashtags

#TheMiddleClass
#RetirementPlanning
#PersonalFinance
#FinancialPlanning
#MoneyHabits
#FinancialDiscipline