The Humans vs Retirement Podcast

Summary In this episode of the Humans vs Retirement podcast, I get to have a great conversation with journalist and author Celia Dodd about her book "Not Fade Away: How to Thrive in Retirement". The conversation focuses on the emotional challenges of retirement and offers practical examples of real people who have gone through retirement that Celia spent time with when writing the book. Celia shares her expertise and research on the retirement, offering insight and advice for those looking to live a happy, healthy, and wealthy retirement. I encourage everyone to check out Celia's book with a link to buy it in the show notes. What You'll Learn The listener will learn about The emotional and practical challenges of retiremen The importance of planning and adaptability The need to find purpose and meaning in retirement through soul searching and exploration. The importance of finding new pursuits and interests. The challenges and opportunities of retirement for couples. About My Guest Celia Dodd is the author of a ground-breaking book about retirement, Not Fade Away, which was serialised in the Daily Mail and the Daily Express. She acts as a consultant on retirement courses, and last year created a retirement preparation toolkit for Hampshire Police Force. Celia appears regularly on radio (including Woman's Hour) to talk about retirement and other issues that affect the over-50s. Her other books include The Empty Nest: Your changing family, your new direction and All Grown Up, which is about relationships with adult children. As well as writing books she is a feature-writer for national newspapers and magazines, including The Times, The Independent and Radio Times. Find out more via www.humansvsretirement.com

Summary In this episode of the Humans vs Retirement podcast, I get to have a great conversation with licensed marriage and family therapist and financial behavioural specialist, Ashley Quamme, about the challenges of communicating effectively with your spouse during retirement. We discuss how the changing relationship dynamic can affect retirement planning and offer tips for maintaining a healthy relationship during this new phase of life. Ashley also gives a brief rundown of her career and how she transitioned from marriage and family therapy to financial behavioural specialist. What You'll Learn The listener will learn about: The importance of communication and planning in relationships leading up to and during retirement The challenges that couples face and the need for ongoing dialogue and flexibility. Why both partners must be involved in financial planning. Being vulnerable and seeking help when needed. The value of travel and adventure in retirement. The importance of flexibility and adaptability in response to change. About My Guest Ashley Quamme is a licensed marriage and family therapist, financial behavioural specialist with extensive experience in couples relational work and founder of BAM Financial Consulting As well as being a couple's therapist, Ashley is married to a Financial Planner! Which means she gets to hear a lot about money, money management practices, and financial planning. Ashley believes the root of many financial issues are emotions, biases, problematic thinking patterns, and beliefs. If left unchecked, these modes for operating can wreak havoc on our lives. Taking what she knows about emotions, thoughts, behaviours, and relationships in the clinical space and applying them in the financial sector is the work that she has come to be passionate about. Find out more at www.humansvsretirement.com

Summary In this episode of the Humans vs Retirement podcast, I have a great conversation with Dr Thomas Mather, Head of the Centre for Behavioural Research for Aegon UK, about the emotional and behavioural challenges retirees face. Tom shares his expertise and research into the specifics around connecting and empathising with your future self and how we must challenge the narrative that retirement is the natural last phase of life. Dan & Tom discuss the importance of research in understanding these challenges and strategies to help individuals live a happy, healthy & wealthy retirement. What You'll Learn The listener will learn about: The emotional and behavioural challenges of retirement. How to make confident and informed decisions about retirement planning. The importance of connecting with and empathising with one's future self. Having a strong and meaningful connection to the future. Spending money on things that bring joy and purpose. The societal expectation of retirement as the natural last phase of life. Encouraging a more open and adaptable approach to aging. The importance of self-knowledge and having a flexible mindset and playbook to adapt to unforeseen risks in retirement planning. About My Guest Tom heads up the Centre for Behavioural Research, at Aegon UK, a small team of behavioural scientists and psychologists who work in the space where Behavioural Finance and Financial Wellbeing meet. He has a PhD in Social Anthropology from Berlin and later completed further training in Behavioural Economics at LSE. He lives in Edinburgh with my wife and 6-year-old twins (who're non identical twins and hence useless for experimental purposes). Find out more at www.humansvsretirement.com

Summary In this episode of the Humans vs Retirement podcast, Dan is joined by author, workplace psychologist and founder of Retirement Life Plan, Pauline Johnson-Zielonka, to discuss our brain's battle with retirement. Polly, who has a PhD in human and organisational systems and a background in industrial psychology, shares her knowledge and approach to understanding retirement by drawing from positive psychology, social psychology, and industrial psychology. Together, Dan and Polly explore ways to help listeners overcome the behavioural, emotional, and financial challenges of life after work. What You'll Learn The listener will learn about the challenges of retirement and how to prepare for them, including social and psychological adjustments, finding new avenues for fulfilling experiences, and building strong social networks outside of work. The episode emphasises the importance of individualised retirement planning and the need to consider personal priorities and circumstances. The guest, Pauline Johnson-Zielonka, shares her knowledge and wisdom on the topic based on her background in psychology and research. The episode also recommends a book on retirement and suggests seeking out retirement couples therapy or counselling to create a shared vision for retirement. About My Guest Polly Johnson-Zielonka is the author of the book Retirement Life Plan and a highly qualified guest on the Humans vs Retirement podcast. She holds a PhD in human and organizational systems and has a background in industrial psychology. Polly's book is full of thoughtful research, relatable case studies, and actionable reflective questions, making it a valuable resource for those considering retirement. She emphasises the importance of individuality and personal values when planning for retirement, as well as considering the needs of any partners or relationships. Polly currently resides in Orange County, California. Find out more by going to www.humansvsretirement.com

Summary In this episode of the Human vs Retirement podcast, Dan interviews author and behavioural finance expert Brian Portnoy. Brian is an expert in simplifying the complex world of money, and they delve into his book "The Geometry of Wealth." Throughout the episode, Brian shares insights from his years of experience coaching and mentoring people on financial wellness, offering tips and wisdom on how to overcome the behavioural, emotional, and financial challenges of retirement and specifically delves into his contentment framework of the 4 C's. What You'll Learn The listener will learn about retirement planning, including the challenges of retirement, the importance of finding purpose beyond financial stability, and the four sources of contentment in life. The episode also discusses the relationship between money, work, contentment, and happiness, as well as the role of adaptation in retirement planning. Brian emphasises the need to question whose script you are living and to be an editor of one's own life narrative. The episode includes recommendations for resources and tools for retirement planning. About My Guest Brian Portnoy is the founder of Shaping Wealth, a financial wellness platform that engages with individuals and organisations to make better money decisions. In his two highly acclaimed books in the field of behavioural finance, The Investor's Paradox and The Geometry of Wealth, he tackles the challenges of making better financial decisions and figuring out how money fits into a joyful life. He has served as keynote speaker, seminar leader, and coach to thousands of investors on topics ranging from portfolio strategy to the connection between money and happiness. Brian has worked in the hedge fund and mutual fund industries for more than two decades. He is a CFA Charterholder, earned his doctorate at the University of Chicago, and serves on the advisory board for the Alliance for Decision Education. He lives in Chicago with his wife and three children. Find out more by going to www.humansvsretirement.com

Summary In this episode of the Human vs Retirement podcast, Dan interviews author and fintech founder Abraham Okusanya. Abraham is the founder and CEO of Timeline, a technology platform designed to help retirees invest and spend with confidence, and author of Beyond the 4% Rule. Dan and Abraham discuss the obstacle of spending money with freedom in retirement, and how retirees are on the whole far too conservative when it comes to spending their savings, particually during their best years. What You'll Learn The listener will learn about retirement planning, including overcoming behavioural, emotional, and financial challenges. The episode covers topics such as the importance of not being too conservative with spending, the cautionary nature of human beings, the myth of U-shaped spending, the fear of unmanageable care costs, giving during one's lifetime, aligning money and time with values, and the role of human financial advisors. The episode also discusses the 4% rule for retirement spending, improvements to the rule, and a more dynamic approach to retirement spending. About My Guest Abraham is the founder and CEO of Timeline, a financial technology company on a mission to help millions of people face retirement with confidence. The company currently manages over £2bn in client assets. He is the author of 'Beyond the 4% Rule: the science of retirement portfolios that last a lifetime' and has delivered talks to the Financial Conduct Authority (FCA), Personal Finance Society (PFS), The Association of British Insurers (ABI), Chartered Institute for Securities & Investment (CISI) and conferences in around the world. He holds a master's degree from Coventry University and an alphabet soup of designations, including the Investment Management Certificate (IMC), Certified Financial Planning, Chartered Financial Planner and Chartered Wealth Manager. Find out more: www.humansvsretirement.com

Summary In this episode of the Human vs Retirement podcast, Dan explores the psychology behind spending money in retirement with licensed clinical psychologist and co-founder of Shaping Wealth, Dr. Joy Leary. Joy shares her journey from the clinical couch to the world of money and provides valuable insights on how our mindset affects our spending habits during retirement. Together, they discuss the behavioural and emotional challenges of life after work and draw on years of expertise and experience to offer practical and thoughtful solutions. Tune in for an insightful conversation on the psychological impacts of spending money in retirement. What You'll Learn The psychological impacts of spending money in retirement The importance of understanding the psychology of money and how it impacts financial planning, balancing financial well-being with healthy spending habits The role of financial role models The challenges of transitioning from a regular income to retirement Taking advantage of our "go-go years" to spend money on what's important Balancing life span and health span The emotional and relational connections people have with money and assets The emotional attachment people have to their homes and how it can affect their financial decisions The importance of validation and knowledge when it comes to money decisions The importance of self-observation and experimentation in improving financial well-being Living life on one's own terms, investing in relationships, taking care of one's body, and getting enough sleep for a happy, healthy, and wealthy retirement. More about us: www.humansvsretirement.com

Summary In this episode of the Human vs Retirement podcast, Dan is joined by Dr Daniel Crosby, Chief Behaviour Officer at Orion Advisor Solutions, a clinical psychologist, behavioural finance expert, and New York Times best-selling author. In their discussion, Dr Crosby shares his journey from clinical psychology to finance and the behavioural challenges individuals face in retirement. They delve into the power of habits, the role of social connections, and the importance of understanding one's values when planning for retirement. Tune in for this insightful conversation on overcoming the behavioural, emotional, and financial challenges of retirement. What You'll Learn The listener will learn about the intersection of psychology and finance regarding retirement, including the emotional and psychological challenges of life after work, the importance of maintaining identity and purpose, the need for flexibility in your retirement plans, and the impact of money on happiness. This episode provides tips, mental models and tools for successful retirement planning and developing a mindset for a happy, healthy, and wealthy retirement. More about us: www.humansvsretirement.com

In this episode of the Humans vs Retirement podcast, Dan is joined by Neil Bage, co-founder of Shaping Wealth, to discuss the subconscious behaviours that drive decision making in retirement. As a renowned expert in bridging scientific theory with real world understanding, Neil offers valuable insights into understanding and overcoming behavioural and emotional challenges of retirement. Together, Dan and Neil examine the intersection of the behavioural, emotional, and financial challenges that retirees often face and offer practical advice for achieving a happy, healthy, and wealthy retirement. What You'll Learn The listener will learn about the challenges of retirement, particularly the importance of understanding human behaviour and the need to maintain a sense of purpose and identity. The podcast emphasizes the importance of preparing early, identifying activities that bring happiness and fulfilment, and focusing on purpose and identity in retirement planning. Dan and Neil also discuss the cognitive changes that occur during retirement and the conflict between our present and future selves. More about us: www.humansvsretirement.co.uk

When it comes to retirement, many waste precious time by letting their emotions and behaviours overtake their dreams and desires. As humans we are not wired for all that comes with a modern retirement and are in a battle to ensure their life after work gives them freedom and joy. Each episode of The Humans vs Retirement Podcast contains expert opinions and real retirement stories that look at the emotional, behavioural and financial challenges of life after work, which will give you tools and tips to live a happy, healthy and wealthy retirement.