In this deeply insightful and refreshingly honest conversation, I sit down with retirement coach and former financial services executive Toni Petrillo, founder of Retire with Intention. We explore the emotional complexities and personal transformations that often define life after full-time work, diving into the hidden challenges retirees face, particularly around identity, relationships, and what Toni calls the “messy middle.” From evolving partnership dynamics to redefining self-worth and navigating the in-between, this episode offers both practical wisdom and warm reassurance for anyone feeling unsettled in retirement.

What You’ll Learn

• Why a solid financial plan isn’t enough, and what you need instead

• The concept of “retiring with intention” and how to do it well

• How relationship dynamics shift after work ends (and how to prepare)

• The danger of rushing through retirement's “messy middle”

• Tools and exercises to rediscover identity, purpose, and self

• Why curiosity and honest self-reflection are underrated retirement superpowers

• The real reason so many retirees feel lost, even when everything looks great on paper

Key Topics

• Toni’s journey from financial executive to retirement coach

• Letting go of your business card and your professional identity

• The new relationship rules for life post-career

• Setting boundaries with adult children and grandchildren

• Rebuilding your relationship with yourself in retirement

• Understanding and embracing the “messy middle” of post-work life

• Designing a retirement based on your individual AND shared vision

• The power of pausing, experimenting, and reflecting

• The underestimated emotional labour of retiring

• Why permission, especially to feel, pause, and evolve, is everything

Resources & Mentions

• Retire with Intention — Toni Petrillo’s coaching practice

• Harvard Online Course: Managing Happiness (mentioned by Toni)

• Statistics on Grey Divorce in the UK 

Stay Connected

Want more thought-provoking conversations like this one?

• Subscribe to Humans vs Retirement on Apple, Spotify, or wherever you get your podcasts

• Visit humansvsretirement.com for tools, downloads, and insights

• Share this episode with someone who needs to hear it; you might just save them (and their family) from future chaos.

• Download for free my whitepaper - The Skill of Spending Money in Retirement

• Connect with me on LinkedIn for more insights and updates.

• Subscribe to my weekly newsletter - The Retirement Fix

• Leave us a ⭐⭐⭐⭐⭐ review if this episode helped shift your perspective! It helps spread the word.

In this powerful and entertaining episode, I'm delighted to be joined by podcasting legend Matt Halloran, co-founder of ProudMouth. Together, we explore why podcasting isn't just a tool for business; it’s a deeply human medium that offers purpose, connection, and even legacy in retirement.

Whether you're a financial planner looking to build trust with your audience or you're approaching retirement and searching for a creative outlet to share your story, this episode is packed with insight, humour, and encouragement. From storytelling to encore careers, legacy creation to building an ecosystem around your voice, this one goes beyond the mic.

What You’ll Learn

• Why podcasting is the perfect pursuit for your second half of life

• How telling your story can create a real connection and leave a lasting legacy

• The simple tools and mindset needed to launch a podcast, even in retirement

• How podcasting can transform how financial advisers build trust and attract clients

• Why “giving away your wisdom” isn’t bad business, it’s great business

• The 4-part formula for powerful content: storytelling, education, entertainment, and call-to-action

Key Topics Covered

• My journey into podcasting and how Matt helped spark it

• The evolution of podcasting: from radio tapes to legacy libraries

• Podcasting as therapy, storytelling, and a vehicle for human connection

• How retirees can use podcasting to reinvent themselves post-career

• The magic of interviewing clients, friends, and family

• Building a podcast around your encore career or consultancy

• Using voice to build trust and deepen client relationships

• Pitfalls to avoid when starting and how to play the long game

• Why being proud of your voice is the first step to being heard

Resources & Mentions

• ProudMouth – Matt’s podcasting and marketing company for financial professionals

• The PodRocket Academy – Free courses to help you launch your podcast

• Book: Influence by Dr. Robert Cialdini

• Podcast: Ologies by Alie Ward (Matt’s pick for top-tier podcast hosting)

Stay Connected

Want more thought-provoking conversations like this one?

• Subscribe to Humans vs Retirement on Apple, Spotify, or wherever you get your podcasts

• Visit humansvsretirement.com for tools, downloads, and insights

• Share this episode with someone who needs to hear it; you might just save them (and their family) from future chaos.

• Download for free my whitepaper - The Skill of Spending Money in Retirement

• Connect with me on LinkedIn for more insights and updates.

• Subscribe to my weekly newsletter - The Retirement Fix

• Leave us a ⭐⭐⭐⭐⭐ review if this episode helped shift your perspective! It helps spread the word.

 

In this episode, I had the privilege to sit down with world-renowned economist Dr. Jeff Brown to explore one of retirement's most misunderstood tools, annuities. But this isn’t your typical dry financial chat.

Together, we unpack why guaranteed income might be the key to unlocking joy, confidence, and peace of mind in retirement.

With a perfect blend of behavioural science, practical wisdom, and a few sporting analogies thrown in for good measure, this conversation tackles the emotional and psychological dimensions of spending in retirement.

If you’ve ever thought annuities were boring or unnecessary, this episode might just change your mind (and your future).

What You’ll Learn

• Why most people don’t buy annuities, and why that might be a huge mistake

• The “under-annuitisation puzzle” and what it reveals about human behaviour

• How guaranteed income permits retirees to spend with confidence

• Why planning to “live to 90” is a dangerous oversimplification

• The impact of cognitive decline on financial decision-making

• How framing retirement as a complex human problem changes everything

• Innovative policy ideas and product designs that could change the retirement game

Key Topics

• Lifetime income vs lump sum: the psychology behind the choice

• Framing effects: how a few words can change your retirement plan

• Complexity theory in financial planning

• The power of defaults and nudges in retirement decisions

• Emotional burden of wealth vs income in later life

• The link between guaranteed income and happiness in retirement

• The decline of cognitive ability and how annuities can provide protection

• The role of tech and AI in the future of retirement advice

Resources & Mentions

• TIAA (Teachers Insurance and Annuity Association)

• License to Spend white paper – Blanchett, Finke

• Health and Retirement Study (HRS), US

• From Strength to Strength by Arthur C. Brooks

• The End of History Illusion – Gilbert, Wilson, & others

Stay Connected

Want more thought-provoking conversations like this one?

• Subscribe to Humans vs Retirement on Apple, Spotify, or wherever you get your podcasts

• Visit humansvsretirement.com for tools, downloads, and insights

• Share this episode with someone who needs to hear it; you might just save them (and their family) from future chaos.

• Download for free my whitepaper - The Skill of Spending Money in Retirement

• Connect with me on LinkedIn for more insights and updates.

• Subscribe to my weekly newsletter - The Retirement Fix

• Leave us a ⭐⭐⭐⭐⭐ review if this episode helped shift your perspective! It helps spread the word.

In this energising and heartfelt episode, I'm joined by Tony Taylor, a retired entrepreneur turned healthy ageing coach, functional medicine practitioner, and the creator of the 7 Pillars of Ageing Responsibly. After facing the retirement cliff edge head-on, Tony rebuilt his life with purpose, resilience, and a relentless curiosity. Together, we explore what it really means to age well in today’s world, beyond the money talk and the small, intentional choices that lead to a longer, stronger, more connected life.

What You'll Learn:

• Why retirement often starts with confusion, not celebration

• How to build your own "power hour" to set up each day with intention

• The vital difference between lifespan and healthspan

• How to avoid the three silent killers of retirement: complacency, disconnection, and loss of purpose

• Why strength training, sleep, and curiosity may be more important than your pension pot

• The overlooked power of cross-generational relationships

• What resilience really means, and how to build it at any age

Key Topics Covered:

• Tony’s personal story: from business owner to active ageing advocate

• The cliff-edge effect of retirement and how to navigate it

• The 7 Pillars of Ageing Responsibly:

  1. Sleep

  2. Resilience

  3. Purpose

  4. Complacency

  5. Strength

  6. Curiosity

  7. Connection

• How to rethink your day-to-day structure in retirement

• Why men need to do a better job of building social connections

• Cold showers, olive oil, and “shopping bag carries” as unlikely tools for longevity

• Why mindset is the ultimate muscle to train

Resources & Mentions:

• Tony’s blog: Aging Responsibly

• Book: The Sleep Book by Dr. Guy Meadows

• Mentioned: Eckhart Tolle – The Power of Now

Stay Connected:

Want more thought-provoking conversations like this one?

• Subscribe to Humans vs Retirement on Apple, Spotify, or wherever you get your podcasts

• Visit humansvsretirement.com for tools, downloads, and insights

• Share this episode with someone who needs to hear it, you might just save them (and their family) from future chaos.

• Download for free my whitepaper - The Skill of Spending Money in Retirement

• Connect with me on LinkedIn for more insights and updates.

• Subscribe to my weekly newsletter - The Retirement Fix

• Leave us a ⭐⭐⭐⭐⭐ review if this episode helped shift your perspective! It really helps spread the word.

In this inspiring and thought-provoking episode of Humans vs Retirement, I sit down with The Executive Book Coach, Helen Wilkie to explore why retirement may be the ideal moment to write the book you've always dreamed of. From memoirs to how-to guides, legacy to creativity, Helen shares practical insights and soulful encouragement for anyone curious about turning lived experience into lasting written impact. Whether you're scribbling down notes already or just entertaining the idea, this episode is for you.

What You’ll Learn

• Why retirement can be the most powerful time to write a book

• The difference between a book being your legacy vs holding your legacy

• How the writing process helps you rediscover purpose, identity, and structure

• The most common obstacles that stop people from starting and how to overcome them

• The importance of editing, time-blocking, and defining your “why” before writing

• How ghostwriting and book coaching work (and why it’s not cheating)

Key Topics

• Creativity in the second half of life

• How to write a book after retirement

• Purpose and identity beyond work

• Memoirs, business books, and other nonfiction options

• Fear, self-doubt, and imposter syndrome

• Writing as an experience, not a task

• Turning vague ideas into a finished manuscript

• Legacy, storytelling, and honouring your life

Resources & Mentions

• Helen Wilkie’s free gift: How to Write a Memoir PDF and 20-minute exploratory session Email Helen at: [email protected] with subject line: “Memoir Guide”

• Helen’s memoir: Rare Steak, Red Wine, Hot Tango

• Recommended reading: On Writing: A Memoir of the Craft by Stephen King

• Learn more about Helen: https://theexecutivesbookcoach.com

Stay Connected

Want more thought-provoking conversations like this one?

• Subscribe to Humans vs Retirement on Apple, Spotify, or wherever you get your podcasts

• Visit humansvsretirement.com for tools, downloads, and insights

• Share this episode with someone who needs to hear it, you might just save them (and their family) from future chaos.

• Download for free my whitepaper - The Skill of Spending Money in Retirement

• Connect with me on LinkedIn for more insights and updates.

• Subscribe to my weekly newsletter - The Retirement Fix

• Leave us a ⭐⭐⭐⭐⭐ review if this episode helped shift your perspective! It really helps spread the word.

In this eye-opening conversation, I sit down with Stuart Ritchie, chartered tax advisor, estate planning expert, and author of Who Will Get My Money When I Die, to explore one of the most emotional and misunderstood aspects of later-life financial planning: inheritance tax.

This episode isn’t about doom and gloom, it’s about taking control. Whether you’re planning for your own legacy, thinking about your children’s future, or simply want to make sure the government doesn’t get more than its fair share, this is a must-listen.

What You'll Learn

• Why inheritance tax is about more than just money, it’s about clarity, fairness, and family harmony

• The critical role of wills and why DIY ones often cause more harm than good

• What lasting power of attorney actually does and why it’s vital even if you’re married

• How to avoid common traps when it comes to gifting, trusts, and tax bills

• Why talking to your family before you die might be the greatest gift you give them

Key Topics

• Wills and the rules of intestacy: what really happens if you don’t plan

• The psychology of leaving a legacy: control, conflict, and clarity

• Power of Attorney: the two types and the risks of not setting one up

• Blended families, second marriages, and planning with complexity in mind

• Lifetime gifting and the 7-year rule explained

• Life assurance, pensions, and the new inheritance tax reforms

• The emotional and practical costs of poor estate planning

Resources & Mentions

• Stuart Ritchie’s book: Who Will Get My Money When I Die? – available on Amazon

• Stuart’s firm: www.ritchiephillips.co.uk

• The Economist & Kaiser Family Foundation study on end-of-life priorities

• UK Government: Rules of Intestacy

Reflection Exercise "What do I want to happen to my money, my possessions, and my responsibilities after I’m gone?"

Take 15 minutes today to reflect on this question. If you were to pass away tomorrow:

• Do you have a valid will in place?

• Have you named executors and powers of attorney you trust?

• Have you had conversations with those closest to you about your wishes?

• Do you know the potential tax implications of your estate?

Clarity now brings peace later, for you and everyone you love.

Stay Connected

Want more thought-provoking conversations like this one?

• Subscribe to Humans vs Retirement on Apple, Spotify, or wherever you get your podcasts

• Visit humansvsretirement.com for tools, downloads, and insights

• Share this episode with someone who needs to hear it—you might just save them (and their family) from future chaos.

• Download for free my whitepaper - The Skill of Spending Money in Retirement

• Connect with me on LinkedIn for more insights and updates.

• Subscribe to my weekly newsletter - The Retirement Fix

• Leave us a ⭐⭐⭐⭐⭐ review if this episode helped shift your perspective! It really helps spread the word.

 

What really matters in retirement? After the spreadsheets are done, the portfolio’s in place, and the paycheque has stopped, what's left?

In this powerful and deeply human conversation, I sit down with Fritz Gilbert, author of Keys to a Successful Retirement and founder of The Retirement Manifesto, to explore the non-financial side of life after work. We dive into the real questions: How do you stay fulfilled? Where do you find purpose? And how do you avoid the emotional pitfalls so many retirees never see coming?

Fritz shares his “10 Commandments of Retirement”, a personal code he created before stepping away from corporate life and how each one has guided his journey. From “Make No Obligations” to “Keep Eternity in Mind,” these principles offer a practical, heartfelt framework for anyone who wants to retire with intention, freedom, and joy.

What You’ll Learn

• Why mindset matters more than money in retirement

• How to create your own guiding principles for life after work

• The 90/10 Rule: Why most people focus on the wrong things before retiring

• How Fritz skipped the “retirement depression” so many experience

• Why giving yourself space and grace in your first year can change everything

• How to find (or rediscover) your purpose in the second half of life

• The surprising power of legacy, contribution, and shared purpose

Key Topics Discussed

• Fritz’s “10 Commandments of Retirement” and how they’ve held up over time

• The emotional challenges many retirees face and how to prepare for them

• What it means to shift from saving to spending, from doing to being

• The founding story of Freedom for Fido and how it brought deeper meaning to retirement

• The role of mindset, curiosity, and experimentation in building a rich post-career life

• Why “retirement planning” must include much more than your finances

• How to craft your own post-career mission, values, and personal compass

Resources & Mentions

• The Retirement Manifesto Blog

• Keys to a Successful Retirement by Fritz Gilbert – Buy on Amazon

• Fritz’s article: The 10 Commandments of Retirement

• Freedom for Fido Charity

Your Next Step

Want to retire well?

Start by writing your own commandments. Define your values, your purpose, and what a great life looks like before you leave work.

Let’s Keep the Conversation Going

• Follow & connect with Fritz: LinkedIn

• Subscribe to Humans vs Retirement on Apple, Spotify, or wherever you get your podcasts

• Connect with Dan: LinkedIn

• Leave us a ⭐⭐⭐⭐⭐ review if this episode helped shift your perspective!

In this uplifting and thought-provoking episode, I sit down with Patrice Jenkins, author of What Will I Do All Day?, to explore the real heart of retirement beyond financial plans.

Together, we dig into why retirement is not simply about staying busy, but about rediscovering meaning, purpose, identity, and joy.

Patrice shares insights from her decades of counseling and interviews with retirees, offering a compassionate, practical guide to navigating the messy, magical transition into post-career life.

What You Will Learn

• Why financial readiness alone doesn’t guarantee a happy retirement.

• The emotional stages of transitioning into retirement and why patience is crucial.

• How to rediscover passions, build social portfolios, and embrace “space.”

• Why successful retirements often include a form of meaningful "work."

• How to avoid the trap of being "busy but unfulfilled."

• Simple frameworks to plan your next two years, not just your next thirty.

Key Topics Discussed

• The difference between hiding out and holding out when nearing retirement.

• The importance of purpose, agency, and intention in retirement planning.

• Why internal validation matters more than external praise after leaving work.

• How relationships - spouses, adult children, friendships - evolve post-retirement.

• Embracing play, experimentation, and curiosity in later life.

• Strategies to transition through the inevitable “messy middle” of change.

• How to think differently about work as part of a fulfilling retirement.

Resources Mentioned

• What Will I Do All Day? by Patrice Jenkins

• Patrice’s Website — patricejenkins.com

• Richard Leider’s The Power of Purpose 

• Book Mention: Die With Zero by Bill Perkins

Memorable Quotes "Retirement is not about keeping busy. It’s about living meaningfully and purposefully every day." — Patrice Jenkins "Work gave you structure, identity, and purpose — but your next chapter can too. It just takes intention." — Patrice Jenkins "Perhaps work kept you so busy that you forgot what you used to love. It's time to remember." — Patrice Jenkins "You don't have to figure out your whole retirement — just the next two years." — Dan A Takeaway Exercise

The 'What Lit You Up?' Reflection

Grab a pen and a notebook. Reflect and jot down:

• What activities made you lose track of time when you were 10 years old?

• What hobbies or interests did you abandon during your working years?

• What would you do with a free afternoon if no one was watching?

Circle one that sparks excitement and design a small experiment to try it out in the next two weeks!

A Final Thought

Retirement isn’t the end of the story, it’s the beginning of a new one.

The key isn’t to stay busy; it’s to stay true. Stay curious. Stay purposeful.

Whether you're months away from retirement or years in, there’s always an opportunity to dream, to experiment, and to build a life you’re excited to wake up to.

Stay Connected

If you enjoyed this episode, please:

• Subscribe to The Humans vs Retirement Podcast wherever you listen to podcasts

• Leave a rating and review, it really helps!

• Share this episode with someone who’s thinking about (or struggling with) their retirement journey.

• Download for free my whitepaper - The Skill of Spending Money in Retirement

• Follow me on LinkedIn for more insights and updates.

• Subscribe to my weekly newsletter - The Retirement Fix

Summary

In this powerful and insightful episode, I sit down with Dr. Riley Moynes, author, speaker, and creator of the viral TED Talk on "The Four Phases of Retirement," which has amassed nearly 5 million views. Together, we unpack why retirement is far more of a human problem than a financial one, and why so many retirees struggle despite having "enough" money.

Riley shares the emotional, psychological, and personal transitions that retirees face and offers an actionable framework to help listeners navigate their post-work lives more meaningfully.

What You Will Learn

• The Four Phases of Retirement and why most people will experience them.

• Why retirement is not just a financial challenge but a deeply human one.

• The common emotional and psychological struggles retirees face.

• How retirees can proactively prepare for the non-financial aspects of retirement.

• The importance of purpose, identity, relationships, and service to others in retirement.

• How to avoid becoming a "statistic" in retirement dissatisfaction.

Key Topics Discussed

• Dr. Riley Moynes' personal career journey and how he developed the Four Phases of Retirement.

• Why traditional financial services fail to prepare people for the real challenges of retirement.

• A deep dive into each of the Four Phases:

  1. The Vacation Phase – The early, carefree, "holiday" phase of retirement.

  2. The Loss and Lost Phase – The period of disillusionment marked by loss of purpose, identity, relationships, and routine.

  3. The Trial and Error Phase – The experimental stage of trying new activities, facing failures, and re-finding purpose.

  4. The Reinvent and Rewire Phase – The fulfilling phase where retirees give back, often through service, and thrive with renewed purpose.

• The emotional impact of retirement and why depression, divorce, and dissatisfaction spike for many retirees.

• The predictable pattern of retirement struggles and why awareness is key.

• Why simple joys and purposeful service are at the heart of a successful retirement.

Books and Resources Mentioned

• The Four Phases of Retirement: What to Expect When You're Retiring by Dr. Riley Moynes

• Dr. Riley Moynes’ viral TED Talk — "The 4 Phases of Retirement"

• Mention of Fritz Gilbert’s blog, The Retirement Manifesto

• Kübler-Ross Change Curve (Grief & Loss framework referenced in discussion)

A Takeaway Exercise

Your Unique Ability Reflection Dr. Moynes recommends this simple but powerful exercise:

1. Write down the top 5 things you love to do and know you do really well.

2. Reflect on 5 key wins, successes, or achievements in your life so far.

3. Look for patterns and connections between the two lists. Ask yourself:

• Can I apply these skills, passions, or experiences to new areas in retirement?

• How can I use these to serve others and find fulfillment?

This introspection can help you transition into the most meaningful phase of retirement.

A Final Thought

Retirement is not a finish line, it’s a transition into one of the most complex and potentially fulfilling stages of life. But it requires intentionality, emotional awareness, and often hard inner work. As Dr. Moynes reminds us, it’s not about endless vacations or financial spreadsheets; it’s about redefining purpose, reconnecting with joy, and ultimately serving something bigger than yourself.

Retirement is a human challenge, not a maths problem. The sooner you embrace that, the smoother and more fulfilling your transition will be.

Humans vs Retirement

• The Super Sunday Retirement Roundup Newsletter

• The Skill of Spending Money in Retirement Whitepaper

• The Humans vs Retirement Sketchstore

• Book in a Time For us to Chat About Your Retirement

• Subscribe on Apple Podcasts | Spotify | YouTube

📩 Enjoyed the episode? Leave a review and let us know your biggest takeaway!

Episode Summary

In this inspiring and heartfelt episode, I sit down with David Marlow, veteran leader, coach, and author of The Ikigai Way to explore how the ancient Japanese concept of Ikigai can powerfully guide us into a more fulfilling and purposeful retirement. From personal stories of career transitions to uncovering identity after work, David shares how aligning our inner essence with what we do can transform our experience of aging, retirement, and meaning in life.

What You’ll Learn

• What Ikigai really means (beyond the Instagram-friendly Venn diagram)
• How to align your essence and purpose with daily life, before and after retirement
• The power of experimenting, curiosity, and continuous self-discovery
• How to reframe retirement from “ending” to “uncovering”
• Practical tools and reflections to help you discover your own Ikigai

Key Topics Discussed

• David’s winding journey from disc jockey to Marine to transformation leader, and how Ikigai was always there
• Redefining purpose outside of career or job titles
• The emotional transition into retirement and how to handle the "grief" of identity loss
• Why older adults are uniquely primed for deep reflection and discovering Ikigai
• The mental and physical health benefits of having a clear sense of purpose
• How to use Ikigai as both a lens and a mirror in your second half of life
• Shifting from rigid goals to aspirational living
• The importance of community, relationships, and intergenerational mentoring

Books & Resources Mentioned

• The Ikigai Way by David Marlow – A modern guide to discovering your essence and purpose
• David’s newsletter: IkiQuest on Substack – Daily reflections and community around Ikigai
• Falling Upward by Richard Rohr – Discussed in reference to life’s two halves and spiritual maturity
• Harvard Study on Adult Development – Cited as supporting evidence for the power of purpose and connection
• Blue Zones research – Referenced regarding community, longevity, and purpose in Okinawan culture

Memorable Quotes

“Ikigai is expressing your essence in harmony with whatever you’re doing—whether that's career, relationships, hobbies, or just life.” – David Marlow

“You don’t find your Ikigai—you uncover it.”

“Ask yourself: What’s your tennis ball? What makes you forget to eat?”

“Retirement isn't about leaving something behind. It's about leaning into what’s always been within you.”

Takeaway Exercise

Ask yourself two powerful questions:

1. When was the last time you had a truly great day? What were you doing? Who were you with?
2. What’s one thing you do that makes you forget to eat?

Use your answers to start mapping out the threads of your own Ikigai.

Connect with David Marlow

• IkiQuest Newsletter on Substack
• davidmarlow.com
• David on LinkedIn
• The Ikigai Way 

Final Thought

Whether you’re five years away from retirement or already navigating the transition, this episode reminds us that purpose doesn’t end when work does. With small steps and deep reflection, you can uncover a life of fulfillment, alignment, and joy—your Ikigai.

Humans vs Retirement

• The Super Sunday Retirement Roundup Newsletter

• The Skill of Spending Money in Retirement Whitepaper

• The Humans vs Retirement Sketchstore

• Book in a Time For us to Chat About Your Retirement

• Subscribe on Apple Podcasts | Spotify | YouTube

📩 Enjoyed the episode? Leave a review and let us know your biggest takeaway!