The Retirement Café Podcast

I was excited to chat once again with Behavior Gap author and financial storyteller Carl Richards about the ideas behind his brand-new book, Your Money and 101 Other Things That Matter.

Carl's famous hand-drawn sketches have helped millions simplify complex financial concepts — but beneath the simplicity lies profound wisdom about living a meaningful, values-driven life. Together, we explore how our relationship with money shapes our happiness, the tension between working hard and letting go, and why sometimes the bravest thing we can do as investors is nothing at all.

In this episode we discuss:

· Carl's journey from financial planner to New York Times columnist and author of the beloved "Sketch Guy" series.

· The power of simple visuals to create clarity and spark real conversations about money.

· "Actively doing nothing" — why patient investing and staying the course is one of the hardest (and most valuable) disciplines.

· The spending practice — connecting your money to what you truly care about, and how everyday spending can become a reflection of your values.

· "Spend the money" — why many retirees need permission to stop deferring joy and start living now.

· Days or decades — tuning out the noise, avoiding anxiety-driven media, and focusing on what genuinely matters in the long term.

Carl Richards is a Certified Financial Planner™, author, and creator of The Behavior Gap and The Sketch Guy column for The New York Times, where his hand-drawn sketches made complex financial ideas beautifully simple. Through his work at behaviorgap.com, Carl helps people and advisors worldwide have better conversations about money, decisions, and what truly matters most.

🙌 Connect with Carl:

📘 Buy Carl's latest book, Your Money and 101 Other Things That Matter https://amzn.to/4ojvIqO

📘📘 Place a bulk order of Carl's book and save an additional 5% by using the code YourMoney5 at checkout: https://bulkbooks.com/products/your-money-reimagining-wealth-in-simple-sketches

🎓 The Behavior Gap website: https://behaviorgap.com/

Linkedin: https://www.linkedin.com/in/thinkingcarl/

X: https://x.com/behaviorgap

Instagram: https://instagram.com/behaviorgap

Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

CONNECT WITH ME

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448

📕 Buy my book, The Retirement Café Handbook: https://amzn.to/3ZwjIbj

👉 Get my weekly newsletter: https://bit.ly/MFPNews

👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/

👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/

⚠️ This podcast is for information and entertainment only. Nothing on this channel constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

I always love catching up with my good friend and fellow financial planner Pete Matthew—especially when we get to record it for The Retirement Café Podcast.

You may have heard Pete on the podcast before (this is his third appearance!) or seen him on his hugely popular Meaningful Money YouTube channel. We've even swapped mics—I've joined his show twice too! We both share a mission: helping people retire with clarity, confidence, and purpose.

This time, Pete's back to talk about his brand-new book The Meaningful Retirement Guide. It's packed with straightforward guidance on how to organise your finances in retirement—so you can get on with living the life you've worked hard for.

In our conversation, we cover:

• The biggest mistake people make when planning their retirement

• Why Pete has no plans to stop working—ever!

• How one man turned volunteering into a paid role that transformed his retirement plan

• The shift from saving to spending (and why it's harder than it sounds)

• What your money is really for

As always, I hope it gives you a helpful nudge toward the kind of retirement you truly want.

For those who want to go further, Pete offers a self-paced Retirement Planning Course through his Meaningful Money Academy. The course includes video lessons, downloadable tools, access to financial planning software, and a supportive online community. Use the code PODCAST for a discount.

USEFUL LINKS

📘 Buy Pete's latest book, The Meaningful Money Retirement Guide: https://amzn.to/440BpkP

🎓 Explore the Meaningful Money Academy: https://meaningfulacademy.com/

Connect with Pete:

YouTube: https://www.youtube.com/@MeaningfulMoney

LinkedIn: https://www.linkedin.com/in/petematthew/

Thanks for checking out my podcast - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

CONNECT WITH ME

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448

📘 Download the first 3 chapters of The Retirement Café Handbook:

https://keap.page/wb198/rch-download-chs-1-3-lp.html

👉 Get my weekly newsletter: https://bit.ly/MFPnews

👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/

👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/

⚠️ This podcast is for information and entertainment only. Nothing on this channel constitutes financial advice. Please do not make any decisions based on the contents of my videos; seek professional independent financial advice first!

Are you worried about the future of your wealth? You're not alone.

Sweeping reforms to pensions, inheritance tax, business relief, and agricultural relief are coming in 2026 and 2027 — and they could have a major impact on your estate and the legacy you leave behind.

In this must-listen episode of The Retirement Café Podcast, I'm joined by Lucy Obrey, Partner and Head of Private Client at Higgs LLP, to break down what these proposed changes really mean for business owners, landowners, and pension holders — in other words, most of us.

You'll learn:

🔍 Why these reforms mean it's time to urgently review your estate plan

🛡️ How to safeguard your assets with trusts, life cover, and strategic planning

🧾 What you need to know about inherited pensions — and why pension consolidation could simplify your legacy

💰 How to ensure your beneficiaries have liquidity to cover tax bills, without sacrificing your wealth We wrap up with steps to take now to maximise planning opportunities before the rules change. Listen now to learn how to protect your wealth and legacy.

USEFUL LINKS

Higgs LLP website: https://www.higgsllp.co.uk/

Connect with Lucy on LinkedIn https://www.linkedin.com/in/lucy-obrey-70a35133/

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448

CONNECT WITH ME

Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl

👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

Dr. Daniel Crosby is a psychologist, behavioural finance expert, and New York Times bestselling author, who joins me to discuss his latest book, The Soul of Wealth.

Dr. Crosby, known for his groundbreaking insights into how psychological factors influence financial decisions, shares how his book explores the balance between monetary wealth and what he calls "soulful wealth"—the richness found in relationships, health, and personal fulfilment. With 50 short, actionable essays, The Soul of Wealth serves as a practical guide for those looking to rethink their relationship with money and align their finances with what truly matters in life.

During our conversation, Daniel discusses key insights from his previous books, showing how behavioural finance helps retirees make smarter, goal-driven decisions. We explore how emotions can undermine financial success and how understanding our behaviour leads to better choices in retirement planning. From mastering delayed gratification to spending in ways that boost happiness, Daniel shares practical advice for redefining wealth beyond just pounds and pence.

USEFUL LINKS

Standard Deviations Website: https://www.standarddeviationspod.com/

Standard Deviations Podcast: https://www.standarddeviationspod.com/episodes

Daniel's YouTube Channel: http://www.youtube.com/@drdanielcrosby

Buy Daniel's books: The Laws of Wealth - https://amzn.to/3YqmrCW The Behavioral Investor - https://amzn.to/3UaRgJq The Soul of Wealth - https://amzn.to/3Ud0dSx

Connect with Daniel on LinkedIn https://www.linkedin.com/in/danielcrosby/

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448

CONNECT WITH ME

Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl

👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

George Kinder is a friend, mentor and widely recognised as the Father of the Financial Life Planning movement. For over 30 years, George has trained thousands of financial advisers from 30 countries in life planning, which enables them to help deliver freedom into their clients' lives.

George has published seven books, and central to most is this concept of freedom. His most recent book The Three Domains of Freedom sets out to empower readers to experience profound freedoms in their own lives and bring about positive change to our civilisation as a result.

In our conversation we explore the book's three core concepts, delve into the challenges of balancing mindfulness with future planning, the feeling of insignificance in a chaotic world, and the potential impact retirees can have on society.

George also shares his vision for a more just and sustainable world and the practical steps he suggests for making that vision a reality.

USEFUL LINKS

George's website: https://www.georgekinder.com/ The Kinder Institute of Life Planning: https://www.kinderinstitute.com/

George's books: The Three Domains of Freedom: https://amzn.to/3Xu1I0H A Golden Civilisation: https://amzn.to/47cXgGJ Transforming Suffering into Wisdom: Mindfulness and the Art of Inner Listening: https://amzn.to/3TbKB13 Life Planning for You: https://amzn.to/4g7RNoM The Seven Stages of Money Maturity: https://amzn.to/4cOjGzk Lighting the Torch: https://amzn.to/4e8D7nC

CONNECT WITH ME

Thanks for checking out my podcast - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl

👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

I'm thrilled to have with us a guest whose work has profoundly shaped the way we think about time, productivity, and living a meaningful life. Oliver Burkeman is a renowned British journalist, author, and former columnist for The Guardian, best known for his groundbreaking book 4,000 Weeks, Time Management for Mortals.

I loved this book and am honoured that Oliver joined me to share his story and research, and to introduce his latest book, Meditations for Mortals - Four Weeks to Embrace Your Limitations and Make More Time for What Counts, which has sparked a global conversation about the finite nature of our lives and how we can make the most of our limited time, especially as we enter the later stages of life.

We chat about how life's too short to wait for the "right" moment, especially for retirees and soon to be retirees, and Oliver urges us to live meaningfully now—not later. After all, time is finite.

USEFUL LINKS

Oliver's website: https://www.oliverburkeman.com/ Oliver on LinkedIn: https://www.linkedin.com/in/oliver-burkeman-51651b21a/ Oliver on X/Twitter: https://x.com/oliverburkeman Meditations for Mortals - Four Weeks to Embrace Your Limitations and Make More Time for What Counts book on Amazon: https://amzn.to/46Xa1oY

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448

CONNECT WITH ME

Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl

👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

Approaching retirement and frustrated with her job, Siobhan Daniels made a big decision: to start living life on her own terms. Rather than feeling broken, voiceless and hiding from life's challenges, she took early retirement, swapped her possessions for a motorhome, and drove off to find them. Since that day five years ago, Siobhan has published a book she called Retirement Rebel: One woman, one motorhome, one great big adventure - an honest and uplifting story of how one woman stepped off the merry-go-round of life. Through her podcast, public speaking and book Siobhan is keen to show older women they can have their adventures and age positively. USEFUL LINKS Siobhan's website: https://www.shuvonshuvoff.co.uk/ Retirement Rebel book on Amazon: https://amzn.to/467OitL Retirement Rebel podcast: https://podcasts.apple.com/gb/podcast/retirement-rebel/id1727857729 The Armchair Adventure Festival 2024: https://www.armchairadventurefestival.com/ ✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 CONNECT WITH ME Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully. 📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl 👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

Today, we're diving into the perplexing topic of why more people don't buy annuities to provide a guaranteed income in retirement, and who better to have this conversation with than Billy Burrows.

Billy is a highly regarded financial adviser with over 30 years' experience and founder of the Retirement Planning Project which aims to make it easier for people to get information and help on all aspects of retirement planning.

In our conversation Billy and I explore some of the reasons that deter potential annuity buyers from securing their retirement income, explain mortality drag and mortality cross subsidy, plus why buying annuities in stages can be beneficial.

We also discuss the impact future government policies could have upon pensions and annuities – in light of the upcoming general election.

USEFUL LINKS

Find out more about Billy: www.williamburrows.com Billy on Twitter / X: https://x.com/BillyBurrows

Billy on LinkedIn: https://www.linkedin.com/in/billy-burrows-6ab1521a/

Billy's previous episodes on the podcast:

Pension freedoms: https://www.theretirementcafe.co.uk/episodes/pension-freedoms

Annuities: https://www.theretirementcafe.co.uk/episodes/william-burrows

Pension income options – annuity versus drawdown: https://www.theretirementcafe.co.uk/episodes/179-annuity-billy-burrows

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448

CONNECT WITH ME

Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl

👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

I'm delighted to welcome back Jacqueline Berry, a regular guest celebrated for her passion for making the UK's care system easier to navigate.

Jacqueline is the founding director of My Care Consultant, a market-leader in helping people navigate the care system, and she is a fountain of knowledge in all things care related. in episode 40 she explained the fundamentals of the UK care system and returned in episode 154 to share tips on how to apply successfully for NHS Continuing Healthcare.

Well, she's back with exciting news about her latest venture, My Care Hub. Imagine having a guidebook for the labyrinth that is care support in the UK, a pioneering online one-stop shop for care advice – that's what Jacqueline's developed! And it's not just for those who need care themselves; My Care Hub will be a lifeline for the unsung everyday heroes out there, the millions of unpaid carers.

It's also a wondered resource for my financial planner friends listening to better support your clients. We also chat about the Carer's Leave Act of 2023 – a big win for carers everywhere. So, grab your cuppa, settle in, and let's get into my conversation with Jacqueline.

USEFUL LINKS

My Care Consultant Website

Register to hear when My Care Hub is launched - My Care Hub (google.com)

Free guide to NHS Continuing Healthcare - sign up for newsletter.

Episode 40: Navigating the care system, with Jacqueline Berry

Episode 154: How to apply successfully fir NHS Continuing Healthcare

My Care Consultant on Facebook

Jacqueline Berry on LinkedIn

Jacqueline Berry on Twitter

Thanks for checking out my podcast - I'm Justin King, a Chartered Financial Planner and I specialise in helping people to retire successfully.

CONNECT WITH ME

✔️ Subscribe to my YouTube Channel here ➡️ https://www.youtube.com/@TheRetirementCafe/?sub_confirmation=1

📘 Buy my new book The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3Q686I8

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448

👉 Get my weekly newsletter: https://bit.ly/MFPNews

👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/

👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/

👉 Twitter: https://twitter.com/JustinKingCFP

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

Do you believe you can heal faster just by tricking your brain?

Could you lose weight with only a change of mindset?

Could you think yourself into being younger?

Can the power of your thoughts defy ageing?

In short, have you ever wondered if you could improve your health by harnessing the power of your mind?

When it comes to our health, too many of us feel trapped by a medical diagnosis, believing that it can only mean a static or worsening condition. Whether it is stiff knees, frayed nerves or failing eyesight, your mind can lead you to believe things will only get worse. But this week's guest has proven through decades of scientific research that with practical steps you can take control of your mindset, by using your thoughts and perspective to help improve your wellbeing.

Award-winning social psychologist Professor Ellen Langer has been studying the connection between the mind and body for over 4 decades as an esteemed psychologist at Harvard. Known as the "mother of mindfulness", she is the author of 13 books, including her most recent release Mindful Body - Thinking Our Way to Lasting Health, which will help you navigate a path to improved health and wellbeing.

We also explore the concept of risk as a personal phenomenon and its impact upon how we approach retirement planning.

USEFUL LINKS

Buy 'The Mindful Body' on Amazon: https://amzn.to/3Ncd8QU Professor Langer's website: https://www.ellenlanger.me/ Professor Langer on LinkedIn: https://www.linkedin.com/in/ellenjlanger/ Professor Langer on Twitter/X: https://twitter.com/ellenjl Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

CONNECT WITH ME

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/@TheRetirementCafe/?sub_confirmation=1

📘 Buy my new book The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3Q686I8

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448

👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!