The Retirement Wisdom Podcast

Retire at 50? If you’re fortunate, you’ll reach a point where work is no longer driven by financial necessity. Then what?

In this episode of our retirement podcast, we’re joined by Stan Corey, author of When Work Becomes Optional. Stan offers his perspective on building emotional wealth, why retirement is not a single phase and what non-financial traps to avoid. A recent retiree, Stan shares his personal experiences transitioning to retirement.

What will you choose to do when work becomes optional? Author Stan Corey shares his ideas and advice.Click To Tweet

Wise Quote:

“I think that the transition is probably more impacted by what your work has been, your profession. As I said, I think the transitioning seems to be more difficult for the higher income earners. I have other people who just can’t let go of that. And know a gentleman who’s in his late seventies and the president of the company. Basically I asked him about retirement. He says ‘that’s not a word that I think of. ‘He says ‘I’ll stop working when the board of directors thinks I’m no longer of value.’ And I felt bad for him. That’s putting your value based upon your position and it’s hard.

So a lot of times I think that people who are more modest in their working careers, I think they have a little easier time with that transition. But after that, it’s pretty much very similar, because it’s all based on activities, your health, a lot of other factors that will impact the other four stages (of retirement).”

 

For More on Stan Corey:

The Book:When Work Becomes Optional

Stan’s Website

 

Bio

Stan Corey retired from his financial planning firm in 2018 after almost 40 years of providing independent financial advice to individuals and closely held businesses. He has been a CERTIFIED FINANCIAL PLANNER™ professional (CFP®), Chartered Financial Consultant (ChFC®), and Certified Private Wealth Advisor® (CPWA). Mr. Corey has completed the Harvard Negotiation Institute Negotiation Workshop at Harvard Law. He has served as past President of NVMS in Fairfax, VA and co-wrote and taught a course for Mediator certification, “Economic Issues in Divorce” and has served on many local community service organization’s BODs.

He plans to continue consulting in family law matters working as the financial advocate for the less well informed; continue working with several multi-generational clients as a family financial adviser and assisting in estate settlements, continue writing and speaking to professional organizations on a variety of financial topics.

He published a book in January 2016, “The Divorce Dance”, a novel about a couple going through divorce where the women teaches the reader about the financial, emotional and legal issues involved as she researches her options. It became a Best Seller on Amazon. His second book, “When Work Becomes Optional”, was released in July 2018 and is receiving wide acclaim for his ability to present many topics facing all retirees as they move through their retirement stages and breaking down complex issues to be more understandable.

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If you have suggestions on topics you’d like to see us cover, please reach out to Joe Casey at [email protected]

 

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Are people retiring earlier or later? What’s the retirement age in the US and how is it trending?

In this episode of our retirement podcast, we talk with Catherine Collinson, CEO and President of non-profit Transamerica Institute and Transamerica Center for Retirement Studies. Catherine is a retirement and market trends expert and champion for Americans who are at risk of not achieving a financially secure retirement. Catherine shares insights from their research on the key trends driving change for both older workers and employers.

Wise Quote:

“…We see so much resilience among workers in terms of their expectations and looking beyond traditional retirement. Led by the Baby Boomers and followed by Gen X and Millennials, workers are transforming retirement into something that’s really new and different and exciting compared to previous generations. Most notably, is retirement is no longer a proposition in which work and time for enjoying life are a mutually exclusive proposition.

Some workers even cite paid work as one of their retirement dreams, which is phenomenal. We would have never even asked that question a few years ago. We know that a lot of people want to work, but we never expected that three in 10 would actually cite some form of paid work as one of their dreams for their retirement.”

 

Retirement today continues to evolve. What key trends should you be up to speed on?Click To Tweet

 

For more:

Transamerica Center for Retirement Studies

18th Annual Transamerica Retirement Survey

Follow on Twitter: @TCRStudies

Bio

Catherine Collinson is CEO and president of nonprofit Transamerica Institute and Transamerica Center for Retirement Studies. Catherine is a retirement and market trends expert and champion for Americans who are at risk of not achieving a financially secure retirement. She oversees all research and outreach initiatives, including the Annual Transamerica Retirement Survey. Catherine also serves as executive director of the Aegon Center for Longevity and Retirement based in the Netherlands.

With two decades of retirement industry-related experience, Catherine has become a nationally recognized voice on retirement trends. She has testified before Congress on matters related to employer-sponsored retirement plans among small business, which have featured the need to raise awareness of the Saver’s Credit among those who would benefit most from the important tax credit.

Catherine is regularly cited by top media outlets on retirement-related topics, speaks at industry conferences, and authors articles in leading industry journals. She co-hosts ClearPath: Your Roadmap to Health and Wealth on WYPR, Baltimore’s NPR news station. In 2018, Catherine was recognized as an Influencer in Aging by PBS Next Avenue for her work in continuing to push beyond traditional boundaries and change our society’s understanding of what it means to grow older. In 2016, she was honored with a Hero Award from the Women’s Institute for a Secure Retirement (WISER) for her tireless efforts in helping improve retirement security among women. In 2015, Catherine joined the Advisory Board of the Milken Institute’s Center for the Future of Aging.

Catherine is employed by Transamerica Corporation. Since joining the organization in 1995, she has held a number of positions and has identified and implemented short-and long-term strategic initiatives, including the founding of the nonprofit Transamerica Institute and its Transamerica Center for Retirement Studies. Prior to her employment at Transamerica, Catherine spent nearly a decade at The Walt Disney Company, serving in a number of information services and business planning posts. She volunteers for a number of community organizations and currently serves as a ...

Living Your Life at the Pace You Want

Time management isn't always the answer. Sometimes you have to take a step back and rethink how you're living your life. In this episode of our retirement podcast, we talk with Yvonne Tally, author of Breaking Up with Busy: Real-Life Solutions for Overscheduled Women. We discuss Yvonne’s story, how being busy has become a status symbol today, even in retirement. And creating a different mindset can be a game-changer at any stage of life. Yvonne offers her insights on how technology and expectations can get in our way. She offers practical, yet powerful recommendations on actions you can take to cultivate a deeper connection in your life.

Our world has become a 24/7 whirlwind of activity and that doesn't stop. With the buzzing of devices, packed schedules, and commitments, we can become blind to what truly matters most. And losing sight of that's can have serious consequences as Yvonne shares in her personal story. Yet slower down to a saner pace of life offers a chance to take back control and appreciate what we value most.

Although her inspiring book is geared toward women, we found it to be very valuable as well, and highly relevant to transitioning to retirement or even in your life in retirement. Start living your life the way you want to and Break  Up With Busy.

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UPDATE: The pandemic and lockdown life have a silver lining. It's stopped the Merry-Go-Round for a while and given you an opportunity to step back and evaluate how you've been living your life. Yvonne's advice is timely now. Is it time for you to Break Up With Busy in the New Normal?

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For more on Yvonne Tally:

Yvonne’s Website

Breaking Up with Busy  on Amazon

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Related Podcasts You May Like:

We’re All Ageing. Are You Up for a Bolder Approach? – Carl Honoré

Why Settle for Happiness in Your Retirement? – Emily Esfahani Smith

Who Will You Be in Retirement? – David Ekerdt

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Stick around for the brief Noteworthy segment 

This week we discuss:

The Problem of Being Overcommitted in Retirement  By Glenn Ruffenach – The Wall Street Journal

 We also touch on:

Saying ‘No’ is a Key Part of the New Retirement Skill Set   By Joe Casey – Retirement Wisdom

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Balance Your Retirement Planning with a Bit of Wisdom

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About Retirement Wisdom

 

We help people who are retiring from their primary career and are not 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 we can help you make yours great.

How Will You Navigate The Retirement Transition?

Today on our retirement podcast, we welcome Brendan Hare, author of From Working to Wisdom: The Adventures and Dreams of Older Americans. Upon retiring as a lawyer, Brendan invested two years interviewing 46 older Americans from a variety of backgrounds about their life stories. The book provides a rare look at the real stories of how people are navigating the transition to retirement and a bounty of valuable lessons learned that we can all benefit from.

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Bio

Brendan M. Hare is a recent retiree and the author of From Working to Wisdom: The Adventures ad Dreams of Older Americans. He lives outside Boston with his wife, near his three grown children.

Mr. Hare worked as a teacher, college economics instructor, and for over forty years, as an attorney. He served as chief litigation counsel for a Fortune 50 company and later as the founder and managing partner of his own law firm. For over twenty years, he built and guided a sizeable national law practice, with clients drawn from some of the largest corporations in America.

Few experiences have been as rewarding as this book project. He spent two years traveling the country, meeting new people, and listening to them discuss their lives and thoughts about growing older. Writing this book changed him profoundly. He hopes it will have a similar impact on readers.

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Wise Quotes

On What He Learned From Writing the Book

"We’re in charge of our own lives and always have the power and responsibility to choose our attitudes. The people in this book are elderly, but they speak to everyone, even to the very young. They made me realize that aging is not just a physical journey, not just a decline, but a psychological and spiritual journey as well. The quality, shape, and direction of which is entirely my responsibility."

On The Role of Adventure in Retirement

"Adventure, however you define it, can help you through this period of transition. To successfully navigate this period of transition you have to go through a process of discernment when you’re seeing yourself from a new perspective and you’re re-ordering your priorities to match that new perspective. An adventure that involves risk does that because as one profile subject observed, “when mortality moves in, we get serious about life.” We shed all the unnecessary baggage: the ego and the materialistic focus. Risk reveals the fragility of life and deepens our commitment to living fully."

On Ageism

"The consequences of ageism are real and very troubling. First, it sets up a dangerous loop: it tells seniors, Time has made you infirm, obsolete, and worthless. ....In response—as is natural—seniors feel pressure to accept and internalize this view of themselves, with disastrous consequences for their mental and physical health. Studies have correlated experiences of ageism with memory loss, cardiovascular sickness, low self-esteem, diminished will to live, and shorter life expectancies. All of this is staggering when we consider how widespread ageism is: Over seventy percent of American seniors report that they have been insulted or mistreated on the basis of their age. There is no reason to accept these attitudes. Our generation can proudly reflect on the many ways in which, together, we helped to shape popular culture, music, politics, and civil rights."

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For More on Brendan Hare:

Brendan Hare’s book on Amazon (From Working to Wisdom: The Adventures and Dreams of Older Americans)

The From Working to Wisdom Website

About Retirement Wisdom

We help people who are retiring, but not done yet, discover what’s next.

Wise choices can help you to retire healthy

In this episode of our retirement podcast, we talk with Alan Castel, Ph.D.Alan Castel is a Professor in the Department of Psychology at the University of California, Los Angeles where he studies learning, memory, and aging.  Alan joins us to discuss his new book Better with Age: The Psychology of Successful Aging. We discuss what people of all ages need to know about successful aging and what people can do now  – at just about any age – to prepare to retire healthy.

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Wise Quotes

On Structure

“Retirement can be a challenge. It can be a challenge both for the person retiring, for their spouse, for their family around them, because you lose a lot of the structure you had in your life. Even the small talk you might have had in the workplace, can almost protect you from loneliness. You can feel valued in your profession. When you take all of that away, you know, just playing golf every day is not going to solve the need for stimulation, being around other people.”

On Different Approaches to Retirement 

“Everyone approaches retirement differently. For example, the architect Frank Gehry, his work is really blossoming now and he’s doing amazing things. I don’t think he wants to retire, but he’s focusing on the projects that interest him the most, so he can be more selective. Maya Angelou shifted her career, spent more time writing, but also presenting and teaching. So these people certainly didn’t walk away from their profession. John Wooden, the famous basketball coach, on the other hand, didn’t retire kind of at the top of his game at age 65, having won another national championship. But then he transitioned into consulting, working with others, doing a lot of public speaking. But even at age 95 when I spoke to him, he said he missed the game, he said he loved to be involved in some way, as a consultant working with coaches.”

On Identity and Retirement

" … even though we might not think of our job as our identity, it can influence us in ways that we’re not familiar with. Once we transitioned out of that, we’re left with sometimes a big hole, and a lot of older adults might fear retirement for reasons that go beyond financial ones.”

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Bio

Alan Castel is a Professor in the Department of Psychology at the University of California, Los Angeles. He studies learning, memory, and aging. He is interested in how younger and older adults can selectively remember important information.

He lectures internationally to people of all ages. His work has been featured in the New York Times and Time Magazine and has a new book entitled Better with Age: The Psychology of Successful Aging.

He received his Ph.D. from the University of Toronto, did a fellowship at Washington University in St. Louis, and has been on faculty at UCLA since 2006.

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For more on Alan Castel, PhD

Alan’s Book: Better with Age: The Psychology of Successful Aging 

Ted x: How We Learn as We Age

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Related Podcast Episodes You May Like

The Joy of Movement – Kelly McGonigal

Design Your Life and Get Unstuck – Dave Evans

Tiny Habits Can Lead to Big Changes – BJ Fogg

Retirement Planning Includes Getting Good at Getting Older – Rabbi Laura Geller

The Mind-Body Connection and The Rabbit Effect – Kelli Harding

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

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About Retirement Wisdom

We help people who are retiring from their primary career – and aren’t done yet – discover what’s next.

In this special edition of The Retirement Conversation, we talk with Julie Belshe, about the shocking story of what happened to her parents, who were kidnapped by a Private Guardian. Julie shares her experiences in fighting to get them back, what she’s doing today as an advocate for reform and what we all need to know about Guardianship Fraud.

 

For more on Julie Belshe:

The New Yorker – How the Elderly Lose Their Rights

Trailer for new DocumentaryThe Guardians

The Kasem Cares Foundation

 

Stick around for the brief Noteworthy segment on an article we think is worth your time

This week’s selection is Elder Financial Abuse Will Get Worse As Americans Age by Teresa Ghilarducci in Forbes

 

 

Balance Your Retirement Planning with a Side of Wisdom

Sign up for our monthly newsletter with ideas you can use.

In this episode of our retirement podcast, we talk with Dorie Clark, about her latest book Entrepreneurial You. Dorie is a highly successful entrepreneur and she shares her story of transitioning from journalism and her observations on why entrepreneurship is an attractive option for some people as a Second Act Career.

How Can You Leverage Your Skillset as an Entrepreneur in your Second Act?

She gives us her take on what it takes to succeed and practical tips on where to start. If you’ve ever thought about starting your own business after your primary career, you’ll benefit from hearing Dorie’s story, her valuable advice and wisdom.

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Bio

Dorie Clark is a marketing strategy consultant, professional speaker, and frequent contributor to the Harvard Business Review. Recognized as a “branding expert” by the Associated Press, Fortune, and Inc. magazine, she is the author of Entrepreneurial You (Harvard Business Review Press,), Reinventing You, and Stand Out, which was named the #1 Leadership Book of 2015 by Inc. magazine and one of the Top 10 Business Books of the Year by Forbes. It was also a Washington Post bestseller. Her books have been translated into Russian, Chinese, Arabic, French, Polish, Korean, and Thai.

Clark, whom the New York Times described as an “expert at self-reinvention and helping others make changes in their lives,” consults and speaks for a diverse range of clients, including Google, the World Bank, Microsoft, Morgan Stanley, the Ford Foundation, the Bill & Melinda Gates Foundation, and Yale University.

A former presidential campaign spokeswoman, Clark is an adjunct professor of business administration at Duke University’s Fuqua School of Business and a Visiting Professor for IE Business School in Madrid, Spain. She has guest lectured at universities including Harvard Business School, the Harvard Kennedy School, Stanford University’s Graduate School of Business, the University of Pennsylvania’s Wharton School of Business, the University of California-Berkeley’s Haas School of Business, Georgetown, NYU, the MIT Sloan School of Management, and the University of Michigan.

Her work has been published in the Harvard Business Review Guide to Getting the Right Job and the Harvard Business Review Guide to Networking, and she is quoted frequently in the worldwide media, including NPR, the BBC, and MSNBC. She is also a regular commentator on Canada’s CTV and was named one of Inc. magazine’s “100 Great Leadership Speakers for Your Next Conference.”

A former New England Press Association award-winning journalist, Clark directed the environmental documentary film The Work of 1000, and was a producer for a multiple-Grammy-winning jazz album. 

At age 14, Clark entered Mary Baldwin College’s Program for the Exceptionally Gifted. At 18, she graduated Phi Beta Kappa from Smith College, and two years later received a Master of Theological Studies from Harvard Divinity School. You can download her Entrepreneurial You self-assessment at dorieclark.com/entrepreneur.

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Wise Quotes

On Paying Attention to The Market

"When it comes to challenges that entrepreneurs need to overcome, I think in a lot of ways it varies over time. The first one that you have to overcome, especially when you're in that transitional mode, is the product-market fit. Meaning basically just figuring out, What is it I actually am selling? -  and Do people want it? It sounds so obvious in some ways, but it can really take a while. When I first started my consulting business, I actually, my original vision is that I was going to do political consulting. That was how I started... I had business cards made up, "Dorie Clark, Political Consultant" because I thought, "I can consult around," I worked in campaigns so "I can consult around this.

In this conversation on our retirement podcast, our attention turns to adult learning and ongoing adult education. We talk with Dr. Nell Painter, a distinguished historian and retired professor from Princeton University, about her latest book Old in Art School: A Memoir of Starting Over (named one of Time’s Best Memoirs of 2018 So Far).

She shares her insights about her experience in returning to school for a BA and MFA in a different field, the challenges and obstacles she overcame, and what she learned about reinventing herself along the way. It's a compelling story because of the adversity she faced along the way, from people you'd expect would be encouraging and supporting her pursuit of lifelong learning. If you’ve ever toyed with the idea of returning to school, you’ll benefit from hearing the inspiring story of her adult learning journey – and her practical advice and wisdom on how to get started on your ongoing adult education.

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Dr. Nell Painter:

Nell Painter’s Website

Old in Art School: A Memoir of Starting Over on Amazon

(Note: Named One of O: The Oprah Magazine‘s Top Books of Summer)

Follow Dr. Painter on Twitter: @PainterNell

Dr. Painter’s complete bio

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Related Podcasts You May Like

Retired, But Not Done Yet – Dr. Cynthia Barnett

How to Build a Non-Profit Encore Career – Betsy Werley

No Finish Line – Meyer Feldberg

How Seniors Are Saving the World With Activism – Thelma Reese

With the Freedom to Retire, Where Will You Plant Your New Tree? – Don Ezra

Advice for Successful Career Women Transitioning to Retirement – Helen Dennis

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About Retirement Wisdom

We help people who are retiring, but not 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.

We help you design the life in retirement that's uniquely right for you.

Retire smarter. Schedule a call today to discuss how we can help you make yours great.

Companies are in various stages of being ready for an aging workforce. For example, only 9% offer formal programs for phased retirement, even though flexible work options are plentiful for other life stages. In this conversation on our retirement planning podcast, Joe talks with Paul Rupert, CEO of Respectful Exits about trends in the workplace for seasoned workers. Paul offers his views on what smart companies can do to attract and retain talented older workers. Paul also shares valuable advice on how individuals can approach negotiating phased retirement as part of flexible work options and tells us the story behind his new advocacy organization.

Bio

Paul Rupert is Chief Executive Officer of Respectful Exits. Paul has forty-five years of nonprofit management and consulting experience. He founded and managed innovative nonprofits in healthcare, legal services, mediation, publishing and advocacy campaigns. He played a pivotal role in promoting the practice of flexible scheduling and staffing throughout the economy. His firm Rupert Organizational Design has consulted to more than a hundred companies implementing creative flexible staffing and scheduling initiatives. His firm currently leads in the development of flexible and phased retirement programs.

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Wise Quotes

On How Companies Can Help Employees Prepare for Retirement

"...begin to get rid of that notion of people having reached their 'Sell-By Date'. A lot of companies are moving in that direction. I think there are organizations that are beginning to recognize the need for ongoing financial wellness counseling. We promote very strongly the idea, that companies, primarily in the private sector, got rid of defined benefit pension plans. They have sufficient resources to provide ongoing, what we call financial wellness counseling to their employees. We call on employers to do that. There are examples of employers who essentially provide for annual financial checkups for this, on company time, and on the company dime. It's a very modest investment and it makes an enormous difference, because as you probably well know, the failure to understand early in your career, the need to save, and to take responsibility for your own 401K, et cetera, is terribly important. Companies have a captive audience to whom they can, in an affordable way, provide that invaluable service. I was talking to a client the other day and they said, "We have a program in which we require our employees to have an annual automobile safety check, and we pay for it." I said, "Well, do you do that with finances?" They said, "Well no, not really." I said, "Well, you should."

 

On Making An Effective Proposal for Phased Retirement 

"Phased-retirement is just another form of flexible work. If you're going to make that proposal then, talk to your manager about what's in it for the company for you to do this. Don't talk about what's in it for you...Just focus on, "If I work this way, these are the following benefits to the company. We suggest in the framework, show the general benefits that can accrue to the company, but also the specific components.  A  very concrete suggestion: 'Here's what I'm doing now and how. Here's how I would work in a phased or a partial retirement setting.' Secondly, and most importantly, it's easy to talk about things like mentoring, and knowledge-transfer, and those are grand ideas. What knowledge do you have that is valuable for the company to retain? How do you qualify and quantify it?

Managers are trained to review and consider business proposals. So, whether it's an equipment proposal, or a supply proposal, or a process, you come to them, say, 'Here's the package with my current offering, here's what I'm suggesting as a replacement package. I think these are the benefits' Then you put it in the framework that managers are comfortable decid...

What you achieve the freedom to retire, but find that you're allergic to retirement living? What if life in retirement just isn't for you? In this episode of our podcast about retirement and career switches, Joe talks with Nicole Maestas, Ph.D., an economist at Harvard Medical School, about the interesting trend of unretiring, the notable benefits of working longer and what women need to think about in planning for retirement. Her research is showing that a sizable number of people are retiring - from retirement - and returning to work within the first five years. And in many cases, it's not financially driven. It's about the intangible things we get from work beyond a paycheck - and miss when they're gone. Retirement living isn't for everyone. There are ways you can reinvent yourself, including unretiring, perhaps even to rejoin your last employer ina new way.

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Bio

Nicole Maestas, Ph.D., is an associate professor of health care policy at Harvard Medical School. Her research studies how the health and disability insurance systems affect individual economic behaviors, such as labor supply and the consumption of medical care.

Dr. Maestas’ research in disability economics has shown how the federal disability insurance system discourages employment by people with disabilities. Applying a causal research design to newly developed administrative data, her work showed that the work capacity of disability insurance beneficiaries with less severe disabilities is substantial. Furthermore, individuals lose additional work capacity the longer they stay out of the labor force pursuing a disability determination.

Her work on the economics of aging has demonstrated significant shifts in labor supply patterns at older ages. She showed that one-half of all retirees pursue a retirement transition path that involves partial retirement or labor force re-entry (“unretirement”) and that re-entry was largely predictable ex ante, and not a consequence of economic shocks. She has also argued that labor supply at older ages is likely to increase still further, even absent policy changes to promote employment at older ages, due to increased labor demand for older workers. Indeed, her work shows that the rise in employment at older ages was driven in substantial part by an increase in labor demand by firms in the professional services industries. In current work, she is examining how these labor force trends, and population aging more generally, affect economic growth.

Dr. Maestas has testified before Congress about her research on two occasions, once before the U.S. House Ways and Means Committee, and once before the Senate Finance Committee. She recently completed service on a national disability policy panel convened by the Social Security Advisory Board.

Dr. Maestas graduated Phi Beta Kappa from Wellesley College. She received her MPP in public policy UC Berkeley and her Ph.D. in economics also from UC Berkeley. Prior to joining Harvard, Dr. Maestas was a senior economist at RAND.

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Wise Quotes

On Unretiring

"...This is exactly why I started looking into this question of what is unretirement? Is this a response to bad financial problems? It really just is not that for most people. It is about being able to achieve something they want, maybe they're not ready to stop working and there's even a variety of research that suggests there can be health benefits to working longer if you're in the right kind of position, but things that people talk about here are the benefits of social engagement, even the benefits of physical activity. There have been benefits associated with the mental activity of jobs and some people find that a job, you have a way to exercise the creativity, to express themselves creatively at work by solving problems and helping people....