The Retirement Wisdom Podcast

Retire Smarter. Don’t Miss an Episode – Follow on Apple Podcasts or

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There’s a lot to plan for in retirement.  A big one may be caregiving. Jarie Bolander was suddenly thrust into the role of caregiver when his wife Jane was diagnosed with a terminal illness in 2016. He joins us to share his lessons learned in the hopes that it will help others. He’s written a book Ride or Die: Loving Through Tragedy, A Husband’s Memoir about his experiences as a caregiver.

Jarie Bolander joins us from San Francisco.

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Bio

Jarie Bolander caught the startup bug right after graduating from San Jose State University in 1995 with a degree in electrical engineering. With 6 startups, 7.75 books, and 10 patents under his belt, his experience runs the gamut from semiconductors to life sciences to nonprofits. He also hosts a podcast called The Entrepreneur Ethos, which is based on his last book by the same name. When he’s not helping clients convert a concept to a viable strategy, he can be found on the Jiu-Jitsu mat (he’s a blue belt), interviewing entrepreneurs on his podcast, or researching the latest in earthship construction techniques. He’s engaged to a wonderful woman named Minerva, her daughter, and their Bernedoodle, Sage. Currently, Jarie lives and works in San Francisco, where he works as head of market strategy for Decision Counsel, a B2B growth consulting firm.

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For More on Jarie Bolander 

Ride or Die: Loving Through Tragedy, a Husband’s Memoir

Website

The Daily MBA

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Podcast Episodes You May Like

Taking Stock – Dr. Jordan Grumet

The Best Day of My Life So Far

The Power of Reinvention – Joanne Lipman

The Well-Lived Life – Dr. Gladys McGarey

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Wise Quotes

On Community

“The burden of life is not a solo sport. And I know, life is joy. But there is a burden to living because of stuff like this. You get injured. You lose your job. Your wife dies or your husband dies. Your kid gets sick. You cannot shoulder the burden alone. You just can’t. I don’t care how strong you are, even on the most elite military units in the world, it’s a team. They spread the misery, right? It’s individual. But they know that their buddy’s got their back if the thing hits the fan. They know that in their soul. But, us normal folk, we generally don’t have that kind of discipline or that connection, and community. I strive every day to continue to build those strong bonds with the community. I’m here today because of that, all my friends, and it’s powerful.”

On Being Present

“She needed me to be present for her. And over time I realized that, and then, even she even acknowledged it. She’s like, Look, I know you need to get away from this.  This was the gift that I always think about. She was worried about my health and well-being too. So I think for men, it’s not always what you’re doing as a caregiver. It’s being present. It’s being thoughtful. It’s like listening. It’s like having them being heard. Because they’re in a awkward spot. Jane was a Type A entrepreneur, changing the world, doing whatever she wants.  Now she’s like, Hey babe, can you get me some towels? Hey babe, what’s it like outside in the real world? It felt like prison to her. I learned about myself that if you have a halfway decent attitude, you could pretty much get through anything. You don’t have to be stellar. You just have to show up and be committed. And you’re going to make mistakes and things are not going go bad. But if you’ve got good intent, you’re working towards it.”

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About Retirement Wisdom

I help people who are retiring, but not quite done yet, discover what’s next. A long retirement is a terrible thing to waste. And a meaningful retirement doesn’t just happen by accident. Retire smarter. Schedule a call today to discuss how The Designing Your Life process created by Bill Burnett & Dave Evans can help you make yours great.

Be intentional about your next phase. Design it.

The next Design Your New Life in Retirement Small Group Program starts on September 21st. Learn more here

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About Your Podcast Host 

Joe Casey is an executive coach who also helps people design their next life after their primary career. He created his own next chapter after a twenty-six-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Today, in addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, which thanks to his guests and loyal listeners, ranks in the top 1 % globally in popularity by Listen Notes. Business Insider has recognized him as one of 23 innovative coaches who are making a difference. He’s the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy.

Be intentional about your next phase. Design it. Sign up for the Design Your New Life in Retirement Group Coaching Program – starts on 9/21 – Very Early Bird Pricing ends 8/15 – Learn More here

Long before the pandemic, back in 2009, Benita Cooper, noticed a problem when she moved to Philadelphia. Social isolation. She had an idea, inspired by a recent personal experience, that she thought could help. So she began a small project at lunchtime to tap into the power of storytelling. You’ll find her story and her not-for-profit organization The Best Day of My Life So Far inspiring.

Want to make a difference? See the links below for info on how you can connect the programs at The Best Day of My Life So Far with your community, school, organization, company or business, There’s a range of options from Lunch & Learns to Pop Up events to starting your own storytelling group.

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Benita Cooper is an award-winning Registered Architect in Pennsylvania, New Jersey and Delaware. She holds an MArch from Harvard University and a BA in Art and a BA in Architecture from the University of Washington. Driven to build and lead from a young age, she entered college at the age of 15, after moving from Hong Kong at 12.

Benita has received prestigious awards from the American Institute of Architects, the American Architectural Foundation, Harvard University and may more. Her work has been awarded first place by the American Society of Internal Designers.

Inspired by her friendship with her grandma, Benita Cooper launched The Best Day of My Life So Far a multimedia storytelling project to connect seniors with younger generations in 2009. It provides a cure for social isolation, by empowering older adults to share life stories and inspiring human connection across generational and social divides. In 2020, in response to the global pandemic, the not-for-profit expanded all of it’s programs to include more robust virtual options, and is well-positioned to take it’s work into the future.

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For More On Benita Cooper

The Best Day of My Life So Far

Programs – Get Involved

Benita Cooper Design

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Retire Smarter. Don’t Miss an Episode – Follow on Apple Podcasts or

Subscribe: Google Podcasts | Spotify | iHeartRadio | TuneIn | RSS

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Podcast Episodes You May Like

Changing the World One Small Act at a Time – Brad Aronson

How Seniors Are Saving the World With Activism – Thelma Reese

The Exciting Potential of Intergenerational Mentoring – Charlotte Japp

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Wise Quotes

On Storytelling

“I knew from the very, very first call with my grandma that stories could do what years of conversation could not. Stories could bring generations together. Stories brought my grandma and me together with one single phone call, one single story,  Over time, with more calls and more stories, we became even closer. We became best friends. So stories are the building blocks to real communication. Real communication is a building block to real relationships. And real relationship, if enough people are doing it around you, is the building block to real community. And all of this is significantly more powerful when the story storytelling is shared between generations.”

On Life Lessons

“Every story contains sometimes not just one, but multiple life lessons. All of those things could be unexpected. You might not expect, if you’re someone younger,  that somebody older would be so open-minded about whatever social issue is happening at the moment. And when you’re someone older, likewise, you might not expect that somebody younger would be open to your way of thinking. Or that they would find you funny. If you’re someone older and you tell somebody younger or something sad, you might be surprised by the confidence they see in you, which you never knew you had. So that story that’s within every story, there is something to be discovered and some impact that you could have if you allow the story to kind of sink in both sides – for storyteller and for the listener. The possibilities are truly limitless. What you can discover about each other is insight into life and into people. What you will discover is a greater love of life and of people.”

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About Retirement Wisdom

I help people who are retiring, but not quite done yet, discover what’s next. A long retirement is a terrible thing to waste. And a meaningful retirement doesn’t just happen by accident. Retire smarter. Schedule a call today to discuss how The Designing Your Life process created by Bill Burnett & Dave Evans can help you make yours great.

__________________________

About Your Podcast Host 

Joe Casey is an executive coach who also helps people design their next life after their primary career. He created his own next chapter after a twenty-six-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Today, in addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, which thanks to his guests and loyal listeners, ranks in the top 1 % globally in popularity by Listen Notes. Business Insider has recognized him as one of 23 innovative coaches who are making a difference. He’s the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy.

Be intentional about your next phase. Design it.

Sign up for the Design Your New Life in Retirement Group Coaching Program – starts on 9/21 – Very Early Bird Pricing ends 8/15 – Learn More here

Should you delay retirement and keep working? This podcast looks at all aspects of retirement – including not retiring. Let’s face it, retirement’s not for everyone. And many people are choosing to work longer, for a variety of reasons. For some it is financially driven. But for others it’s because they love what they do, enjoy the people they work with and have a sense of mission and purpose in their work. Scott MacKillop shares why he’s choosing to continue to work – and how he also enjoys his family life and a variety of interests outside of work.

Scott MacKillop joins us from Colorado.

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Scott MacKillop is the CEO of First Ascent Asset Management in Denver, Colorado. After 40 years in the financial services industry, he’s still driven by seeing if he can do things better and make a difference in the industry. A graduate of Stanford University and George Washington University’s Law School, he began his career working as an intern at the Securities and Exchange Commission while in law school and then practiced law in Washington, DC for a little over 15 years, specializing in securities law, ERISA and venture capital transactions. Scott has published over 100 published articles and papers and has delivered over 100 industry conference speaking engagements. He was born in California and grew up in Silicon Valley (before it was called Silicon Valley), has lived on the East Coast and in the South, and in Denver since 1997.  In addition to hanging out with his wife and kids, Scott plays lead guitar for the band at his church, loves hiking and has summited 30 “14ers ” (mountains 14,000 feet and higher).

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For More on Scott MacKillop

First Ascent Asset Management

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Retire Smarter. Don’t Miss an Episode – Follow on Apple Podcasts or

Subscribe: Google Podcasts | Spotify | iHeartRadio | TuneIn | RSS

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Podcast Episodes You May Like

Independence Day – Steve Lopez

Is Working Into Retirement Good for Your Brain? – Dawn Carr

If You Love Your Work, What Challenges Will You Face in Retirement? – Michelle Pannor Silver

Are You Ready for The New Long Life? – Andrew Scott

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Wise Quotes

On Balance

“The first thing I, I learned is that there’s really no way to perfectly balance work in life. It’s an aspirational goal, but you have to accept the fact that there’s only 24 hours in a day. And if you’re like me, there’s way too many things that you’d like to do and so you’re never going to be able to fit it all in. So you have to try to screen out as many things as possible to really just focus on your priorities and not let yourself get distracted. Embrace the fact that you’re not going to get everything right. You’re going to have days when you go, Oh, I spent too much time doing work and not enough time doing things with my family. And there’ll be other times when you see it the other way. So just don’t stress about that. Do your best to stay focused. And you have to think about it, because it’s not going to happen by itself. There’s nobody that’s going to tell you when it’s time to go do your fun things and stop working. So you have to be very intentional about it. I think the key is just recognizing that it’s hard to get that exactly right. But I have found, interestingly, that time seems a little bit expandable to me. So if I have relatively few things to do, I’m going to fill up the day. If I have more things to do, somehow or another, I can still get those in.”

On Guitar Lessons

“I also play guitar. I play in a band. I grew up in the San Francisco Bay area back in the sixties. And so there were were a lot of  pretty cool musical influences back then. And I actually ended up taking guitar lessons from Jerry Garcia before he became, you know, Jerry Garcia…What happened there was there was actually a guitar teacher named Troy Heimer, who nobody has ever heard of now. But all of my friends said, He’s the best guitar player! You’ve gotta go take lessons from him. So I went down to this local guitar store and tried to get lessons from Troy, and they said, Nope, there’s no way you can do it. And I said, I’ll come anytime, weekends or late. He said, Nope, sorry, he’s totally booked up. But we’ve got this other guy. And, they pointed to him. He was sitting, I still remember, he was in a metal folding chair. He had a Guild 12 string guitar, and he had this wild black wiry hair and probably about five days growth. And back in those days, he was kind of scary looking. But I listened to him play and it was unbelievable. So, I said, Okay,  I’ll sign up take some lessons from him. So that’s how it all happened.”

On the Gift of Time

“I’m much more aware of the finite nature of the time that I have. There’s no question about it. I feel lucky. I’m 72 now. Both my parents died in their mid sixties, and so I feel like I’ve got this gift of these extra years. I don’t know how many more of ’em I’m going to  have. I just look at each one of them as a blessing and recognize I could live, I guess, another 30 years, but I could also have a much shorter time period. So, there’s that sort of mysterious quality to time where, you don’t really know how much of it you have. You can’t really plan on a specific amount of time. But I am at the point now where the end of my life is not some theoretical thing. I know that I will someday not be here. And so it makes everything seem sweeter and more important. Every hour you have is a gift. And so you try to do the best you can with it and make a difference. I think it’s important. I don’t think everybody looks at the world this way, but I have been motivated a lot by trying to just make the world a better place in some little way. That might be just a smile to somebody in your family, or it might be something bigger that you try to do. But I think it makes it makes me very conscious of how I spend my time.”

On Common Mistakes in Planning for Retirement

“The thing that I’ve seen is people not really thinking that much about what it’s going to be like and how they’re going to spend their time – and how they’re going to feel about things. My recommendation is to think about the things that bring you joy in your life and be very intentional about that. Try to identify what those things are and say, Well, if I quit work, will I lose some of those things? Or will I get more of what I like when I quit and go do other things? I think it’s just really important to have in mind what are the things that bring you joy in life and try to gravitate in those directions. I think the reason why I’m still working at this point is just that I love what I do. I get a lot out of it and there would be no real substitute for it at this point in my life. So I continue to do that along with the other things that bring me joy as well. Once you leave the work world, you realize how much of your life structure was built round work. And when that structure isn’t there anymore, there’s no little fairies going to show up and say, Now it’s time to go do this. You need to plan to do that. There’s a lot of, I’ll call it work, but I’m not sure that it really feels like work, but there’s work to do to make sure you think about what you’re going to do next. The world can take you away. There are a lot of people who will push you one way or the other.”

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About Retirement Wisdom

I help people who are retiring, but not quite done yet, discover what’s next. A long retirement is a terrible thing to waste.

And a meaningful retirement doesn’t just happen by accident.

Retire smarter. Schedule a call today to discuss how The Designing Your Life process created by Bill Burnett & Dave Evans can help you make yours great.

________________________

Joe Casey is an executive coach who also helps people design their next life after their primary career. He created his own next chapter after a twenty-six-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Today, in addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, which thanks to his guests and loyal listeners, ranks in the top 1 % globally in popularity by Listen Notes. Business Insider has recognized him as one of 23 innovative coaches who are making a difference. He’s the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy.

Retire smarter – sign up for the Design Your New Life in Retirement Group Coaching Program – which starts on 9/21 – Very Early Bird Pricing until August 15th – Learn More here

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Do yourself a big favor. Invest in your ability to say no masterfully. Vanessa Patrick’s research illuminates why we say yes when we really want to say no. She offers valuable practical tips on how to say no gracefully, but firmly, using what she calls empowered refusal. She advocates clarifying your purpose and your priorities, setting Personal Policies around them – and being mindful of the words you choose when you do say no. In retirement, saying no at the right times can set you free – so you can invest your time on the things that truly matter most to you.

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Vanessa Patrick is the author of The Power of Saying No: The New Science of How to Say No that Puts You in Charge of Your Life.

Dr. Patrick is a Professor of Marketing and the Associate Dean for Research at the Bauer College of Business at the University of Houston. She has a PhD in Business from the University of Southern California and an MBA in marketing and a BS degree in microbiology and biochemistry from Bombay University in India. Patrick has published dozens of research articles in top-tier academic journals in psychology, marketing, and management, and popular accounts of her work have appeared in the New York Times, Wall Street Journal, NPR, Los Angeles Times, Business Week, Fast Company, Forbes, Huffington Post and Washington Post. In her research, she investigates strategies to achieve personal mastery and inspire everyday excellence in oneself and others and is a pioneer in the study of everyday consumer aesthetics. Patrick lives with her family in Houston, Texas.

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For More on Vanessa Patrick

The Power of Saying No: The New Science of How to Say No that Puts You in Charge of Your Life

Website

Research Study: ‘I Don’t’ versus ‘I Can’t’: When Empowered Refusal Motivates Goal-Directed Behavior by Vanessa Patrick & Henrik Hagtvedt

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Retire Smarter. Don’t Miss an Episode – Follow on Apple Podcasts or

Subscribe: Google Podcasts | Spotify | iHeartRadio | TuneIn | RSS

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Podcast Episodes You May Like

The Joy of Saying No – Natalie Lue

Chatter & Your Inner Voice – Ethan Kross

Retire Happy – Dr. Catherine Sanderson

How to Live a Values Based Life – Harry Kraemer

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Wise Quotes

On Why We Say Yes When We Really Don’t Want To

“In my research, I identify three main reasons as to why we say yes, when we want to say no. One is a concern for the relationships we have with others. So when people ask us to do something, they’re usually our friends, our family, people who are colleagues and acquaintances, and we want to have a good relationship with those people. We want to maintain that good relationship. The second reason ties into our reputation. We want to be seen positively in the eyes of people. We want to be seen as capable, as confident, as able to handle the things that are thrown our way. And the third thing is we have never really learned how to say no effectively throughout our lives. We’ve kind of tried to accommodate people’s requests and be cooperative and helpful, and [we’re] givers more than takers. And society in many ways, kind of shapes that sort of behavior and rewards that sort of behavior. And so we have never really learned to look inwards and think about how do I say no to the things that are not aligned with what I want to do or what I want to achieve.”

On Choosing the Right Words

“So, in my research, I actually focus on what are the words that we can use to communicate our refusal, that implicate the identity? And the way you implicate your identity is you ground your refusal in your identity is by choosing your words carefully. When you say, I can’t, you come across as disempowered, not in control, and suggest to the asker that, well, under some other situation, I would be able to say yes, but right now I can’t. And that very often invites pushback, negotiation discussion. Whereas when you say, I don’t, you implicate yourself, you say: This is my way of operating. This is who I am. This is how I do things. So, I don’t is a much more empowered way to communicate your refusal.”

On Setting Personal Policies

“So, a Personal Policy is essentially a simple rule that we set up for ourselves that give voice to our values and priorities that shape our actions and decisions. So, these are just rules that we set up. They are operating principles that allow us to live life the way we want to live life. And I very often, when I’m teaching this, use the example of travel. Now we all travel and it’s summer, so it makes sense to be talking about travel because it’s very close to our hearts. When we travel, we have preferences and we like certain things. So some people are aisle seats and some people are window seats. Some people just can’t stand a overnight red-eye flight, whereas other people are okay with it. Some people will say, I will not travel to Europe unless it is at least a week. whereas other people don’t have that preference in place. So more importantly, we have such good preferences and we know our preferences about travel, and so we are able to design our travel around those preferences. And as soon as I say that to people, then you can realize that if you can do it with travel, you can do it with any domain.  You can do it with how you deal with friends, how you deal with family, how you deal with going to the gym, how you deal with entertainment, how you spend your time on social media –  absolutely everything. What are your preferences, priorities, beliefs and values in that domain? And how would you like them to be seen? And how do you want to operate in accordance with those?”

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About Retirement Wisdom

I help people who are retiring, but not quite done yet, discover what’s next. A long retirement is a terrible thing to waste.

And a meaningful retirement doesn’t just happen by accident.

Retire smarter. Schedule a call today to discuss how The Designing Your Life process created by Bill Burnett & Dave Evans can help you make yours great.

________________________

Joe Casey is an executive coach who also helps people design their next life after their primary career. He created his own next chapter after a twenty-six-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Today, in addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, which thanks to his guests and loyal listeners, ranks in the top 1 % globally in popularity by Listen Notes. Business Insider has recognized him as one of 23 innovative coaches who are making a difference. He’s the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy.

Plan for Life in Retirement?

You Could Just Wing It…

Or you could retire smarter & sign up for the Design Your New Life in Retirement Group Coaching Program – which starts on 9/21

Limited to 10 people – Very Early Bird Pricing until August 15th – Learn More here

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Everyone wants to retire happy. Where you choose to live can impact your happiness in retirement. Maybe you’ve found that place and are planning to age in place. Yet aging in place may not be the best choice for everyone. Welcome to a special “Best Of ” episode of The Retirement Wisdom Podcast with snippets of conversations with different perspectives on evaluating where you will live in retirement. To hear more from any or all of the guests, click the links to the full episodes below.

And scroll down to find links to other Best Of compilations on other topics that can help you retire smarter.

Where will you live in retirement? Age in place? Have you told your family?
Share on X

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Links to the Full Podcast Conversations

Seniority Authority – Cathleen Toomey

Where Will You Live Next? – Ryan Frederick

Where to Retire – Silvia Ascarelli

Thriving in Place – Lisa Cini

Design the Long Life You Love – Ayse Birsel

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Retire Smarter. Don’t Miss an Episode – Follow on Apple Podcasts or

Subscribe: Google Podcasts | Spotify | iHeartRadio | Stitcher | TuneIn | RSS

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More Wisdom?

Check Out These Best of The Retirement Wisdom Podcast compilations

How to Retire Happy

Money Matters

Successful Aging

Lifelong Learning

Wellness

Fitness

Second Acts

Best of The Retirement Wisdom Podcast 2023 – Part 1

The Very Best of 2022

The Best of 2021 – Retirement Wisdom

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About Retirement Wisdom

I help people who are retiring, but not quite done yet, discover what’s next. A long retirement is a terrible thing to waste.

And a meaningful retirement doesn’t just happen by accident.

Retire smarter. Schedule a call today to discuss how The Designing Your Life process created by Bill Burnett & Dave Evans can help you make yours great.

________________________

Joe Casey is an executive coach who also helps people design their next life after their primary career. He created his own next chapter after a twenty-six-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Today, in addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, which thanks to his guests and loyal listeners, ranks in the top 1 % globally in popularity by Listen Notes. Business Insider has recognized him as one of 23 innovative coaches who are making a difference. He’s the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy.

Don’t Leave Your Retirement to Chance – Design It.

Registration is now open for the next Design Your New Life in Retirement group coaching program — with Very Early Bird pricing for a short time. Limited to 10 participants.

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Discussions about money with family members can be difficult. Morgan Stanley Financial Advisor Lori Sackler has a new edition of her book The M Word: The Money Talk Every Family Needs to Have about Wealth and Their Financial Future and she shares her insights on how to make them constructive and effective.

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Retire Smarter. Don’t Miss an Episode – Follow on Apple Podcasts or

Subscribe: Google Podcasts | Spotify | iHeartRadio | Stitcher | TuneIn | RSS

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Lori R. Sackler is a financial advisor, senior vice president and family wealth director at Morgan Stanley where she leads Evergreen Lane Wealth Management Group. Her team is dedicated to helping individuals and families keep up with change, satisfying their financial security, addressing lifestyle and legacy concerns, and successfully guiding them through life’s transitions. Sackler is a certified investment management analyst, a certified financial planner and non-practicing certified public accountant. She is the author of The M Word: The Money Talk Every Family Needs to Have about Wealth and Their Financial Future and The M Word Journal: How to Have the Money Talk released in 2016. She is the creator and former host of the radio show “The M Word” on WOR in New York City.

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For More on Lori Sackler 

The M Word: The Money Talk Every Family Needs to Have about Wealth and Their Financial Future (Second Edition)

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Podcast Episodes You May Like

The Go-Giver Marriage – Ana Gabriel Mann

An Economist’s Take on Retirement Planning – Larry Kotlikoff

The Key Decisions for Retirement Success – Wade Pfau

SECURE 2.0 – Pam Krueger

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Wise Quotes

On Gender Differences

“That’s a really interesting topic, and I did a lot of research about this. It’s really physiology. Our brains are built differently. As a result, we operate differently, and it impacts the way we make money decisions and how we communicate about things. So it could impact priorities and goals, risk tolerance and then our abilities to communicate about it. Women have a wider corpus callosum, so we can go back and forth between the left and the right brain. We have a slightly larger strategic part of our brain, which allows us often times to think more long-term, where men are more short-term, looking for short-term results, thinking about trading more, whereas women may want a long-term strategy with a multiple manager approach and not so hands-on every day. So I think the gender differences are huge. I try to tell people is these [differences] are universal – they’re not unique to you. This has been confirmed by dozens of studies in over 30 countries with a million participants. [But] we need both minds to make great decisions though.”

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About Retirement Wisdom

I help people who are retiring, but not quite done yet, discover what’s next. A long retirement is a terrible thing to waste.

And a meaningful retirement doesn’t just happen by accident.

Retire smarter. Schedule a call today to discuss how The Designing Your Life process created by Bill Burnett & Dave Evans can help you make yours great.

________________________

Joe Casey is an executive coach who also helps people design their next life after their primary career. He created his own next chapter after a twenty-six-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Today, in addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, which thanks to his guests and loyal listeners, ranks in the top 1 % globally in popularity by Listen Notes. Business Insider has recognized him as one of 23 innovative coaches who are making a difference. He’s the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy.

Registration is now open for the next Design Your New Life in Retirement group coaching program — with Very Early Bird pricing for a short time. Limited to 10 participants.

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Dr. Gladys McGarey has a wealth of wisdom to share with us from a long life and career as a pioneer in holistic medicine. In her new book The Well-Lived Life: A 102-Year-Old Doctor’s Six Secrets to Health and Happiness at Every Age, she notes that she considers love to be the most powerful medicine. The book details six secrets from her life and practice to cultivate a long, happy and purpose-driven life. She shares what she’s learned about living a full life on the mental, spiritual and physical levels – and the importance of learning how to direct your energy for greater fulfillment and joy.

Dr. Gladys McGarey joins us from Scottsdale, Arizona.

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Retire Smarter. Don’t Miss an Episode – Follow on Apple Podcasts or

Subscribe: Google Podcasts | Spotify | iHeartRadio | Stitcher | TuneIn | RSS

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Dr. Gladys McGarey is the author of The Well-Lived Life: A 102-Year-Old Doctor’s Six Secrets to Health and Happiness at Every Age. At 102, he is a still-consulting doctor. Recognized as a pioneer of the allopathic and holistic medical movements, she is also a founding diplomat of the American Board of Holistic Medicine.

She is the cofounder and past president of the American Holistic Medical Association, as well as the cofounder of the Academy of Parapsychology and Medicine and the founder of The International Academy of Clinical Hypnosis.

Dr. Gladys lives and works in Scottsdale, Arizona, where for many years she shared a medical practice with her daughter. She currently has a medical consulting practice, maintains a healthy diet, and enjoys a good piece of cake every now and then. She has spoken at TEDx.

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For More on Gladys McGarey

The Well-Lived Life: A 102-Year-Old Doctor’s Six Secrets to Health and Happiness at Every Age

Website

Join on Instagram Live every Tuesday at 11:00 AM Mountain Time (follow @begladmd)

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Podcast Episodes You May Like 

Design the Long Life You Love – Ayse Birsel

Wellness to Wonderful – Dr. Alona Pulde & Dr. Matthew Lederman

Taking Stock – Dr. Jordan Grumet

Getting Good at Getting Older – Rabbi Laura Geller

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Wise Quotes

On Love and Holistic Medicine

“Well, the basic healing essence is love. And if we’re in a life situation where we aren’t understanding about love, we’re going to have a really hard time working with healing. Because that’s what I found my parents were doing. They were loving the people. And I knew that that’s what was the essence of it. Native Americans have known this forever. And even the Bible says, God is love. Well, if you’re going to work that way, you better get some basic understanding about what love is. And, so it was when we don’t,  think most, any modality that we use, if it’s used in a loving attitude and a in a loving outreach to the physician within the patient themselves, then we’re going to  get some kind of response.”

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On The Value of a 10 Year Plan

About Retirement Wisdom

I help people who are retiring, but not quite done yet, discover what’s next. A long retirement is a terrible thing to waste.

And a meaningful retirement doesn’t just happen by accident.

Retire smarter. Schedule a call today to discuss how The Designing Your Life process created by Bill Burnett & Dave Evans can help you make yours great.

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Joe Casey is an executive coach who also helps people design their next life after their primary career. He created his own next chapter after a twenty-six-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Today, in addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, which thanks to his guests and loyal listeners, ranks in the top 1 % globally in popularity by Listen Notes. Business Insider has recognized him as one of 23 innovative coaches who are making a difference. He’s the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy.

Welcome to a new episode of  The Retirement Wisdom Podcast, where we explore useful ideas and different perspectives that can help you retire smarter. Do you have a clear picture of yourself in the future? What will you be doing in your life in retirement? Hal Hershfield is a professor of marketing and behavioral decision-making at UCLA. His research shows that getting to know Your Future Self can not only help you make smarter decisions to prepare for the future, but also benefit you in the present. His new book Your Future Self: How to Make Tomorrow Better Today examines the world of our future selves and how we can bridge the gap between our present actions and long-term goals – and why you’ll want to develop a vivid picture of and a closer connection with your future self.

Hal Hershfield joins us from California.

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Registration is now open for the next Design Your New Life in Retirement group coaching program — with Very Early Bird pricing. Limited to 10 participants.

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Bio

Hal Hershfield is the author of the new book Your Future Self: How to Make Tomorrow Better Today.  Hal is a Professor of Marketing, Behavioral Decision Making, and Psychology at UCLA’s Anderson School of Management and holds the UCLA Anderson Board of Advisors Term Chair in Management. His research, which sits at the intersection of psychology and economics, examines the ways we can improve our long-term decisions. He earned his PhD in psychology from Stanford University.

Hershfield publishes in top academic journals and also contributes op-eds to the New York Times, Harvard Business Review, the Wall Street Journal, and other outlets. He consults with the Consumer Financial Protection Bureau, many financial services firms such as Fidelity, Morgan Stanley, Merrill Lynch, and Avantis. The recipient of numerous teaching awards, Hershfield was named one of “The 40 Most Outstanding B-School Profs Under 40 In The World” by business education website Poets & Quants.

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For More on Hal Hershfield

Your Future Self: How to Make Tomorrow Better Today

Website

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Podcast Episodes You May Like

Happier Hour – Cassie Holmes

Chatter & Your Inner Voice – Ethan Kross

Retire Happy – Catherine Sanderson

The Gift of Gratitude – Glenn Fox

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Wise Quotes

On Visualizing Your Future Self

“…One is to try to really figure out ways that we can ramp up the vividness of our future self….what can we do to make that future self more vivid and more concrete and less abstract? One thing we can do is write a letter to our future self and then write a letter back from our future self. And I think I really want to stress the back part because it kind of forces us to step into the shoes of our future self and see the world through their eyes. Engage in some visualization exercises where we try to think about deeply what’s my life going to be like? How will I spend my time? Who will I spend it with? Am I workin  not all the time? Am I traveling? What am I doing with myself? I think most people in the retirement space, in the financial planning space, they think of the future selves. It’s not like this is a foreign concept, but it’s always done at an implicit level. You talk about retirement, you talk about decumulation strategies, you talk about annuities, whatever. It’s all sort of done in a very abstract and implicit way. But to like really bring the self back into the conversation, [ask] who am I? What am I going to be doing? That’s where I think we can start to see some change in the way we really think about that period of time.”

On the FIRE Movement

“And so, the question really does become one of harmony. How can I both live for today and live in a way that puts myself in a good position in the future? And there’s no easy answer here, but the way that I like to think about this is, there may be times when it makes sense to spend the money. There may be times when it makes sense to celebrate right now, especially so that we can enjoy the experience now and later, right? Retrospectively, now the problem arises when I do that all the time. If I convince myself, every time there’s an opportunity to upgrade whether it’s with my car or my TV or the concert tickets or whatever, if every time I do that, I take the opportunity, surely now I’m living myopically, right? And so, I like to think about what other researchers have called The Big Why to say Well, what is the thing that drives me? What’s really at the core of my values? What’s most important to me? Is food the most important thing to me? Is it family? I’m not here to judge what those things are. But if I sort of bring my decisions back to The Big Why, it can help orient me to say, Well, in this particular experience, I’m going to go for it or In this one I’m going to pull back a little bit. And, and my suggestion is that that may help.”

On Thinking About the Future in Days, Not Years 

“So this is research done by Neil Lewis and Daphna Oyserman. They had this realization that, days move fast, years move slow. And they did something really interesting. They got people to think about all different sort of future events, whether it’s retirement or my kids going to college, things like this. And they framed those events as occurring in either days or years. So in 30 years you’ll retire, or in 10,950 days, something like this. Well, what happens is when you frame it in terms of the days, people feel as if the event is coming sooner. There’s something ironic about this because the number is bigger, right? Almost 11,000 versus 30 – but 30 years feels like a vast expanse of time, almost 11,000 days. That feels like a lot too. But at the same time, it’s like one day goes to the next and the next and the next and the next. I can understand why so many people would say that event feels like it’s happening sooner. And not only did they feel as if it was happening sooner, they were considerably more likely to say that they’d want to start planning sooner for those events.”

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About Retirement Wisdom

Schedule a call to see how the Designing Your New Life process can give you an edge in your next chapter.

Visit retirementwisdom.com for tools and resources to help you retire smarter.

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About Your Podcast Host 

Joe Casey is an executive coach who also helps people design their next life after their primary career. He created his own next chapter after a twenty-six-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Today, in addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, which thanks to his guests and loyal listeners, ranks in the top 1 % globally in popularity by Listen Notes. Business Insider has recognized him as one of 23 innovative coaches who are making a difference. He’s the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy.

According to The Small Business Administration over 46% of private sector workers in the US are employed by small businesses [1] and 57 million workers are not covered by employer-sponsored retirement plans. In her second act career as a venture-backed entrepreneur, Jean Smart is bringing simplified 401K solutions to small business owners to offer their employees.

Jean Kim Smart joins us from New York.

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Retire Smarter. Don’t Miss an Episode – Follow on Apple Podcasts or

Subscribe: Google Podcasts | Spotify | iHeartRadio | Stitcher | TuneIn | RSS

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Jean Smart was the managing director, head of business strategy, corporate and institutional advisory solutions at UBS in 2020, and had spent her 20+ year career as a Wall Street executive. Then, at the height of the COVID-19 pandemic, she observed millions of small businesses around the country struggle, reminding her of how her immigrant parents—owners of a grocery store and restaurant in Los Angeles—cared for their family and employees but failed to invest in their own retirement, leaving them vulnerable in old age.

Jean was inspired to move on from her steady financial services career and begin her second act. She founded Penelope, a venture-backed 401(k) platform focused on micro and small businesses. There are over 5 million micro businesses (less than 50 employees) across the U.S., and Jean recognizes the untapped potential of helping these entrepreneurs support and retain their employees with a best-in-class retirement program that’s simple, affordable, and effective to use in solving the retirement crisis facing the 57 million U.S. workers without a company-sponsored retirement plan.

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For More on Jean Kim Smart 

Penelope 401(k)

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Related Article:

‘You have an obligation.’ Employers need to step up to help workers prepare for retirement.

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Podcast Episodes You May Like

What’s Your Exit Strategy? – Ashley Micciche

Best Of The Retirement Wisdom Podcast – Money Matters

The Future of Global Retirement – Jodan Ledford

Rethinking Retirement – Eric Phillips

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Wise Quotes

On Mentors for a Second Act

“Mentors play all the roles. They inspire you. They give you very tactical, real advice. And I would say, as a fan base, my parents have been my mentors from birth. It’s part of the reason why you have self-esteem or some level of confidence, no matter how many times you get knocked down. I think my parents have been sort of pillars of that all the way through… So I’ve been fortunate. One part of being in the second act, your network is significantly larger. So when you start talking to people, everyone’s thought about this, doing a second act, a third act, or starting a business. And once you start talking to people and sharing your ideas, they come out of the woodwork. They’re really willing to share and introduce you to other folks. So it started off small and then it snowballed pretty quickly in terms of meeting other folks and asking them questions about their experience.”

On Retirement Plans for Small Businesses

“Believe it or not, nearly 5 million businesses still do not have a retirement savings program – and that equates to the 57 million Americans I mentioned earlier. There’s a whole confluence of events and needs, whether it’s education, availability, accessibility costs or a lack of information. I would say we’re entering a new era of opportunity. I always think of this as the carrot and the stick measure components. You’ve got both factors. So at the sort of carrot level, the federal government via Secure 1.0 and Secure 2.o,  two major pieces of legislation that have byproducts and support and that have passed, are providing unprecedented tax incentives for small businesses to get set up. If you’ve never set up a plan to start a plan, if you’ve got under 50 employees,  there’s a slew of tax credits. And I encourage any small business owner or individual to talk to their tax advisor and accountant to see what those are. You can easily Google some of those resources. There are a lot of shortcuts, a lot of incentives that have never existed before. Then you’ve got the stick component. 16 states have already passed legislation requiring a small business to have a qualified savings plan. There are many options. There are some state options, many choices and great providers, but I believe there’s never been a better time – whether you go with the traditional firm or some of the newer firms. Modern 401K providers  make it really easy and take away a lot of the administrative burden, a lot of the decision making around investments as well as making the cost extremely favorable for businesses and their employees. So, there’s never been a better time.”

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About Retirement Wisdom

Schedule a call to see how the Designing Your New Life process can give you an edge in your next chapter.

Visit retirementwisdom.com for tools and resources to help you retire smarter.

___________________________

About Your Podcast Host 

Joe Casey is an executive coach who also helps people design their next life after their primary career. He created his own next chapter after a twenty-six-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Today, in addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, which thanks to his guests and loyal listeners, ranks in the top 1.5 % globally in popularity by Listen Notes. Business Insider has recognized him as one of 23 innovative coaches who are making a difference. He’s the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy.

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[1] Frequently Asked Questions About Small Business 2023

Are you thinking about retiring, but sense that you’re not done yet? Consulting can be an excellent second career. It can be a practical way to redeploy your expertise and experience while persevering flexibility. But what does it take to be a successful consultant as a second career? Amy Rasdal explains how to get started and common obstacles you’ll need to overcome.

Amy Rasdal joins us from California.

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Don’t Miss an Episode – Follow on Apple Podcasts or

Subscribe: Google Podcasts | Spotify | iHeartRadio | Stitcher | TuneIn | RSS

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Amy Rasdal is the founder of Billable at the Beach which helps hundreds of people start their own successful consulting businesses. She traded her corporate job for consulting 15 years ago leveraging the advantages that consulting offers including freedom, flexibility, control, interesting work and excellent pay, while being able to work when you want, where you want and how you want.

Prior to starting her own business, Rasdal Associates, Inc., 15 years ago, Amy had over 25 years of experience in Operations, Product Development, Corporate Development and Marketing.  Rasdal Associates specializes in the other side of entrepreneurship – implementation and execution. Focus areas include program and project management for the Internet software and medical device industries.

Amy earned an MBA from The Amos Tuck School at Dartmouth and has undergraduate degrees in Computer Science, Music and French.

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For More on Amy Rasdal

Website

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Podcast Episodes You May Like

Strategic Quitting – Julia Keller

How to Begin – Michael Bungay Stanier

Think Big – Dr. Grace Lordan

Design Your Life and Get Unstuck – Dave Evans

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Wise Quotes

On Consulting as a Second Act Career

“So as a second career? Well, honestly, it’s never a first career. It’s always a transition. My version, what I want to do and what I help people do, is be a superhero using superpowers for super pay. So the reason I say it’s never really a very first career is because you have to do something to build expert skills. So that’s being a superhero with a superpower.”

On Consulting in “Retirement”

“I think for a second career, kind of a retirement age career, it’s much harder at this point to figure out what superpower am I going to sell? Because by now we all have a lot of superpowers, right? We’ve accumulated a lot of experience. So it’s a little bit tricky. And I think people have some heartburn narrowing down and focusing a little bit. So what I encourage people to do is find that intersection of what you’re really good at, your deep experience and expertise –  what you really love to do. There may be some things that you’re really good at, but boy, you don’t want to do them anymore. I worked with a client who had been a CPA, and then jumped off into the commercial side. But all of her jobs had been in Finance and Accounting. And she said, I am sick of Finance and Accounting. I want to do something a little bit different. So there may be pieces in our experience and expertise that we don’t like as much. So what are your deep experiences and expertise? What do you really love? And the piece that you can’t miss is: what will the market pay for?”

On What Makes Consulting a Good Fit

“The most important thing is wanting to do it. You do have to go into it realizing that you really are committing to that ongoing networking, marketing and business development. But I’ll tell you it’s really about relationships. By this point in our lives, most of us are pretty good at it and we get to choose who we have those relationships with. So some of those nightmare people that we’ve had to work with all these years, we can let some of those people go – and hopefully there’s just a few of them. For those of us thinking about retirement, almost all of us have the experiences and expertise to be able to do it. You have to have something to offer. Almost all of us do at this point. So honestly, I think it’s mostly the interest, the desire, and the ability to make a contribution that makes it a fit.”

_________________________________

About Retirement Wisdom

Schedule a call to see how the Designing Your New Life process can give you an edge in your next chapter.

Visit retirementwisdom.com for tools and resources to help you retire smarter.

__________________________

About Your Podcast Host 

Joe Casey is an executive coach who also helps people design their next life after their primary career. He created his own next chapter after a twenty-six-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Today, in addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, which thanks to his guests and loyal listeners, ranks in the top 1.5 % globally in popularity by Listen Notes. Business Insider has recognized him as one of 23 innovative coaches who are making a difference. He’s the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy.