Podcasts about life planning

As the year comes to a close, Roger Whitney reflects on the power of words, walks through an important year-end tax planning reminder for retirees, shares listener stories and perspectives, and invites listeners to choose a guiding word for 2026 as a way to approach retirement with greater intention and clarity.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence and clarity to lean in and rock it.(00:45) Roger reflects on slowing down, reclaiming meaning in familiar words, and recommitting to clearing the battlefield as we head into a new year.RETIREMENT TOOLKIT(03:22) Roger explains why estimated quarterly tax payments matter in retirement and how they can help prevent unwelcome tax surprises.(05:44) He outlines safe harbor rules and practical best practices for withholding taxes from Social Security, IRA distributions, and pensions.RETIREMENT LIFE LAB(13:33) Roger shares listener responses about corporate words and phrases people are eager to retire when they leave the workforce.ROCKING RETIREMENT IN THE WILD(19:33) Mick and Patty share reflections on fitness, travel, and meaning in retirement, including experiences shaped by history and family.FOCUSING FORWARD: A WORD FOR 2026(21:10) Roger discusses the practice of choosing a single word to define the coming year and reads listener-submitted words for 2026.(28:40) Roger reveals his own word for 2026.SMART SPRINT(34:07) Roger encourages listeners to reflect on the season they are entering and consider choosing a word to help guide decisions in 2026.CLOSING THOUGHTS(34:55) Roger responds to listener feedback on charitable giving and enjoying retirement, emphasizing balance, generosity, and intentional living as the year ends.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManFinancial Calculators from Dinkytown.net

Are you tired of setting the same goals year after year with nothing to show for it? If December 2025 looks exactly like December 2024, it's time for a new approach.In this episode, Ashleigh Mayfield breaks down the 7 essential life categories you need to address if you want 2026 to be your breakthrough year. Drawing from nearly a decade of coaching women and her own journey to paying off $63,801.99 in just six months, Ashleigh delivers a no-fluff framework for creating lasting change.What you'll learn:Why most people fail at their goals (and it's not what you think)The 7 pillars every vision board needs to includeHow to identify what fills your cup vs. what drains youThe mindset shift that separates those who quit from those who succeedWhy "every time I choose to stop, I disqualify myself" changed everythingPractical strategies for accountability, financial freedom, and building real communityWhether you're building a business, strengthening your marriage, getting your health back on track, or deepening your faith—this episode gives you the roadmap to stop planning to fail and start executing with intention.Key Topics: Goal setting, vision boards, New Year planning, personal development, financial freedom, debt payoff, mental discipline, Christian living, work-life balance, accountability, building community

In this Christmas Eve episode, Roger Whitney explores the basics of charitable giving as part of an intentional retirement plan, with a timely focus on year-end decisions. He explains how charitable deductions work, common planning mistakes to avoid, and why generosity is most effective when paired with a resilient financial plan. Roger also shares a Rocking Retirement in the Wild story from a listener who is actively living a purpose-filled retirement, reflects on the corporate language we can leave behind when we retire, and answers listener questions on retirement readiness, gifting inheritance early, and the risks of relying on high-yield bonds for retirement income. He closes the episode with personal reflections on lessons learned, reminding listeners how to keep retirement simple, resilient, and meaningful while making a positive impact on others.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but confidently lean in and rock it.(00:20) Roger introduces a Christmas Eve episode focused on charitable giving, listener stories, answering questions, and reflecting on intentional retirement living.RETIREMENT TOOLKIT(03:45) Roger walks through the basics of charitable giving, including qualified charities, documentation requirements, and how deductions work with standard versus itemized returns.(07:55) Year-end timing rules for checks, credit cards, stock transfers, and donor-advised funds.ROCKIN' RETIREMENT IN THE WILD(09:30) A listener shares how, at 67, he backpacked 121 miles through Maine's 100-Mile Wilderness, reconnecting with longtime friends and staying physically engaged in retirement.(12:28) Roger reflects on why rocking retirement doesn't have to be impressive—only meaningful to the person living it.RETIREMENT LIFE LAB(13:03) Roger explores the idea of “retiring” corporate jargon in retirement and how simplifying language can help us reconnect and speak more human again.(18:21) Listeners are invited to share the words and phrases they are most looking forward to leaving behind.LISTENER QUESTIONS(19:50) Don asks why most people enter retirement with relatively little savings and what that reality means for financial and social stability.(29:25) A listener asks how to give inheritance before death without triggering taxes.(33:46) James asks whether using high-yield corporate bonds as the foundation for retirement income is a safe strategy.SMART SPRINT(42:08) In the next seven days, Roger challenges listeners to choose a single word for 2026 to serve as a guiding focus for the year ahead.CLOSING THOUGHTS(43:59) Roger shares final reflections on the lessons of the episode, emphasizing elegant simplicity, financial resilience, and showing up to help others in meaningful ways.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

Is your calendar working for you—or against you? In this episode of Life at Ten Tenths, Garrett and Matt dig into one of the biggest reasons people miss their goals: a broken calendar. If you've ever said "I know what I need to do, I just didn't get to it," this one's for you.We're talking about why so many of us avoid putting things on our calendar (hint: it's about avoiding accountability), how leaving your schedule open invites chaos, and the mindset shift that separates top performers from everyone else.We get into: - Why "it wasn't on my calendar" is actually good news - The real reason you're not showing up for what you scheduled - How Parkinson's Law is stealing your time - What "LA-ction" means and how to eliminate it - How to build a calendar that becomes your business planStop spinning your wheels, this episode will show you how to take ownership of your time and finally get traction.

In this episode, Roger Whitney walks listeners through the complexities of inherited IRAs, highlighting the impact of the SECURE Act of 2019 and clarifying the distinctions between eligible and non-eligible designated beneficiaries. He explains how these classifications affect withdrawals and tax planning, making the rules easy to understand. Roger also answers listener questions on topics like retirement team selection and funding health insurance with HSA accounts. Beyond the numbers, he shares practical strategies for creating more meaningful holiday conversations, drawing on real-life examples to show how curiosity and intentionality can help you connect more deeply with the people you care about.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you rock retirement.(00:30) In today's episode, Roger Whitney covers the rules around inherited IRAs, explores ways to foster deeper and more meaningful conversations during the holidays and beyond, and answers listener questions.RETIREMENT TOOLKIT(01:00) Today ​in ​the ​Retirement ​Toolkit ​we're ​going ​to ​talk ​about ​the ​rules ​around ​inherited ​IRAs.(02:40) Differences between eligible and non-eligible designated beneficiaries for inherited IRAs are explained.(14:32) Roger talks about ROTH IRAs and how they work.RETIREMENT LIFE LAB(16:04) Roger explains how approaching conversations with curiosity and intentionality, especially with older family members or those with different interests, can create more meaningful and enriching interactions.LISTENER QUESTIONS(25:37) Ira asks what to ask a financial advisor's team to understand their retirement planning services and team longevity.(37:02) Mary Jane asks if she can use Health Savings Account funds tax-free to pay for private health insurance premiums before Medicare eligibility.SMART SPRINT(38:42) In the next week, approach holiday or New Year's gatherings with curiosity by asking questions and engaging with people you don't see often to create more meaningful interactions.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

Episode 1191: Life doesn't always follow the plan — and that's exactly why contingencies matter. In this episdoe of The BIGG Success Show, George and Mary-Lynn dive into Step 6 of the Life Map Course: Your Contingencies — How to Stay on Track When Life Happens.They explain why even the best goals need flexibility, how contingencies help you adapt without losing momentum, and why planning for disruption is a sign of wisdom, not doubt. You'll learn how to assess risks, create simple Plan Bs, so progress continues even during challenging circumstances.Inspired by a memorable fable and grounded in entrepreneurial thinking, this episode shows how to stay resilient, adaptable, and focused when life throws surprises your way.Be sure to get the free one-sheet that goes with this podcast episode to help you identify what might get in your way and create simple, realistic backup plans to stay on track when life gets unpredictable. Click here to get it.Thanks for listening!Here's to your BIGG Success,George & Mary-LynnBIGG Takeaways: In life, unexpected surprises are inevitable, so it's essential to have contingency plans in place. Contingency planning is not a sign of doubt; it's a wise way to prepare for real-life unpredictability. When faced with obstacles, remember to shake it off and take one step at a time toward your goals. Planning for failure means preparing for success; create backup plans that support your main objectives. A solid plan is good, but a flexible plan that accommodates life's surprises is even better. Identify three potential challenges to your goals and develop simple Plan Bs to keep moving forward. BIGG Chapters:[00:16] The Fable of the Farmer and His Donkey[02:08] The Resilience of the Donkey[03:10] Understanding Contingencies in Life Planning[04:37] Responding to Life's Surprises[08:16] Challenges in Contingency Planning[10:33] Wrapping Up and Moving Forward Links referenced in this episode:Episode 1186 – Your BaselineEpisode 1187 – Your VisionEpisode 1188 – Your ValuesEpisode 1190 - Your GoalsMission statement podcast freebieFollow our podcastJoin our newsletter

Learn how and why to write your own obituary as a legacy project. My guest Gail Shapiro is a seasoned writer and editor and also a professional organizer who has guided many people through the details of end-of-life planning. She also helps people write memorable obituaries for themselves and othes and today discusses why this… Continue reading Ep. 532 Writing Your Obituary as Part of End-of-Life Planning with Gail Shapiro

In this episode, Roger Whitney, a retirement planner with 30 years of experience, breaks down annual gifting limits and year-end planning. He shares practical strategies for giving that make a real impact and create meaningful experiences for loved ones. Roger also answers listener questions, providing clear guidance to help you navigate your retirement with confidence.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This podcast is dedicated to helping you rock retirement.(00:57) Today Roger talks about annual gifting limits.RETIREMENT TOOLKIT(01:45) In today's Retirement Toolkit, Roger explores year-end planning by breaking down the 2025 annual gift exclusion.(04:05) Roger discusses giving money during your lifetime and shares the reasons why it can be beneficial.(12:05) Roger shares his observations on giving money, noting that gifts can feel most meaningful when attached to a specific purpose rather than given with expectations.(14:21) Strategies for impactful gifting are explored, including transferring appreciated assets, paying medical expenses, and covering tuition directly, showing ways to help others while maximizing meaning and efficiency.LISTENER QUESTIONS(19:00) Mary shares feedback on qualified charitable distributions (QCDs).(21:27) Lee describes his “shoulder bonus” strategy to spend excess retirement funds while staying within a safe withdrawal rate.(30:10) John asks when to switch from a general financial advisor to a retirement planner(34:19) Rick asks about gifting appreciated stocks to adult children.(35:17) Steve asks about building a resilient retirement plan at age 80.SMART SPRINT(38:13) In the next seven days: Do you want to give? Can you? How much and to whom? Can it have a purpose? Even small gifts can make a big impact.CLOSING THOUGHTS(40:00) Giving money can bring profound joy, often the greatest gift is the one you give yourself by helping others. REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

End of Life Planning this Holiday SeasonSee omnystudio.com/listener for privacy information.

I'm joined once again by Phil Weiss, Founder of Apprise Wealth Management — a CFA, CPA, and RLP® who brings heart, honesty, and deep purpose to every financial conversation.Phil's mission was shaped by his own family's story — stepping in to support his mom through stage 4 breast cancer and helping navigate the financial chaos that followed. That experience inspired his passion to help women feel financially confident and secure, especially during times of transition.In this episode, we talk about:What it really means to reclaim your financial powerHow creating a life plan can bring clarity and peaceThe story of “Linda” — and how her plan transformed her lifeThe question we all need to ask: Do I have enough life?Learn more about Phil:Facebook: AppriseWealthInstagram: @phweiss11Tiktok: apprisewmYouTube: philipweiss9408   

“Personal finance is personal.” — Anthony Weaver In this episode of Better Call Daddy, host Reena Friedman Watts and her dad, Wayne, welcome Anthony Weaver, a financial educator and podcast host, to dive deep into the fascinating world of personal finance and the stories our wallets tell. Anthony shares his journey from teaching mathematics to exploring the nuances of money management, discussing how his relationship with money has evolved over time. He reflects on the importance of understanding the psychology behind spending and saving, emphasizing that personal finance is not just about numbers, but about the choices we make based on our values and experiences. Understanding Money Mindsets Anthony explains how our upbringing shapes our financial habits, from couponing to hoarding, and how the mindset of scarcity can affect our ability to enjoy life. He encourages listeners to rethink their money narratives and to consider what truly brings joy in their lives. He shares valuable insights on: - The thrill of couponing and how it can lead to significant savings - The importance of enjoying experiences while being financially savvy - How to navigate insurance and healthcare costs effectively - Strategies for teaching financial literacy to younger generations Life Lessons & Future Aspirations As a member of the sandwich generation, Anthony discusses the realities of caring for aging parents while planning for his own future. He reveals his curiosity about the funeral industry and the importance of discussing end-of-life plans with loved ones, emphasizing that it's never too early to have these conversations. Wayne adds his wisdom, highlighting the balance between saving for the future and enjoying the present, reminding us that life is precious and should be lived fully. Keywords & Core Themes Personal Finance, Couponing, Financial Education, Money Mindset, Insurance, Healthcare Costs, Financial Literacy, Parenting, Saving, Spending, Life Lessons, Podcasting, End-of-Life Planning, Money Management Episode Highlights (00:00) Welcome to the Better Call Daddy Show (01:20) Meet Anthony Weaver: From Teacher to Financial Educator (05:45) The Evolution of Money Mindsets (12:30) The Thrill of Couponing: Tips & Tricks (20:15) Navigating Insurance and Healthcare Costs (30:00) Teaching Financial Literacy to Kids (40:50) Conversations About End-of-Life Planning (50:00) Wayne's Wisdom on Saving and Enjoying Life (55:30) Closing Thoughts and Reflections Connect with Anthony Weaver Podcast: About That Wallet  Connect with Reena Friedman Watts Better Call Daddy Website | LinkedIn | Instagram | YouTube Thank you for tuning in to Better Call Daddy—where wisdom, creativity, and heart meet!

Life Planning, Retirement, and Why It Is “Never About the Money” In this episode, Dave flips the script and interviews Nick about how life planning has become a core part of the SRB client process. Nick shares how training with George Kinder and the EVOKE model shaped the way SRB helps clients think through retirement, not just from a numbers standpoint, but from the perspective of values, priorities, and real life goals. They walk through how the EVOKE structure fits into SRB's retirement planning work, what actually happens in those conversations, and the kinds of insights clients discover when they finally slow down and think about what they want the next phase of life to look like. Nick also explains why most client “dreams” are less about big, flashy goals and more about time, family, and reducing worry. You will hear: How SRB discovered life planning through George Kinder's work A plain language overview of the EVOKE process and how SRB uses it with new retirement clients Why the first three stages focus on widening the conversation beyond money Real outcomes from clients who learned they were either not ready to retire or more than ready Why many clients already have “enough” and what to do with that knowledge How life planning shifts decisions about Roth conversions, gifting to kids, and travel The link between clear life goals and better follow through on investment and tax strategies How life planning helps advisors avoid assumptions about what clients value Why the plan on paper will always change, and why that is expected Nick's experience being life planned himself, and why he keeps going back to the process How SRB is expanding life planning capacity by training Cole as a Registered Life Planner If you are approaching retirement, feel like you might have “enough” but are not sure what comes next, or want your financial plan to reflect your real life priorities, this conversation will give you a feel for how life planning works at SRB and why it might be the missing piece in your retirement planning. Ready to talk about your own life plan?Start with a relaxed fit meeting to see if SRB is a good match for your needs. Visit: srbadvisors.com Contact: info@srbadvisors.com Subscribe to Kitchen Table Finance for more conversations about retirement, investing, and planning for the future. https://youtu.be/1xbJ_Uhvpfg

Living Stones Church - Ali'i Drive - Our passion at Living Stones Church is to be the kind of church described in the Bible: A Culture of Faith. Together we love to actively pursue Spirit and Truth.

This week's about cutting through the BS, owning your darkness, and using it to heal. If you're ready to stop guessing and actually use astrology to plan your life, join my 6-Hour Personal Forecasting Masterclass where we'll cover unprecedented astrology, how to decode your chart, the core timing techniques, trusting transits, and your 5-year forecast - so you can stay focused, confident, and aligned with your natal promise

In this episode, Roger Whitney continues his four-week series on retirement goal setting, focusing on the importance of building agile retirement goals. He emphasizes creating the right conditions for discovering what you truly want in retirement, rather than fixating on specific desires. Roger shares insights on self-discovery, the anatomy of goals, and the significance of establishing a solid foundation for a fulfilling retirement. Tune in to learn how to navigate your retirement journey with confidence and purpose!OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This week Roger talks about building agile retirement goals.PRACTICAL PLANNING SEGMENT(03:10) The intent is to build goals that are more meaningful to you so you can rock retirement.(07:00) How do you set goals that are meaningful to you in an agile way?(07:39) You want to start with self-discovery and establishing or revisiting your values.(09:53) Focus on creating conditions to explore your values and build a life where fulfillment naturally follows. (13:43) You have to experiment to determine what is right for you.(18:30) Roger talks about the anatomy of a goal, specifically low stakes goals that maximize optionality in retirement planning.(21:08) Roger talks about high stakes goals.(25:04) Low-stakes goals help you experiment, make confident decisions, and discover what truly supports a fulfilling retirement. LISTENER QUESTIONS(27:30) Roger answers Melissa's questions about rolling over an IRA without penalty and whether to trust a flat-fee fiduciary firm that offers to manage her accounts. (33:06) Greg asks Roger to revisit healthcare before Medicare. (34:17) Rob asks about deferring Social Security to age 70 and whether he still receives COLA increases in addition to the 8% delayed retirement credit.(36:03) Chris asks about using only a total world stock and bond index for his portfolio.(40:20) Roger advises keeping a local contingency fund so you always have accessible cash and don't feel “cash poor.”SMART SPRINT(43:20) Go back to your retirement goals and the plan you've put together. Look at them through the lens of our recent discussionRESOURCESSign up for our next Webinar!Scarcity Brain: Fix Your Craving Mindset and Rewire Your Habits to Thrive with Enough- Michael EasterSubmit a Question for RogerSign up for The NoodleFOLLOW US ON SOCIALSFollow Us on Facebook!Follow Us on Instagram

This week is all about fun, pleasure, and some dark truths coming to light. With Venus entering Libra and Pluto stationing direct, things that once felt heavy start to flow with more ease - if you've done the work to let go. Expect lighter energy, new confidence, and revelations that test how you handle the truth. If you're ready to stop guessing and actually use astrology to plan your life, join my 6-Hour Personal Forecasting Masterclass where we'll cover unprecedented astrology, how to decode your chart, the core timing techniques, trusting transits, and your 5-year forecast - so you can stay focused, confident, and aligned with your natal promise.  Get the Life Planning with Astrology Course & Join us LIVE on October 26th: https://www.camwhiteastro.com/life-planning-with-astrology Get the Monthly Game Plan, Rising Sign Horoscopes & Courses: https://www.camwhiteastro.com/memberships . 00:00 intro 03:04 monday 10:10 tuesday 12:30 wednesday 15:36 thursday 20:44 friday 22:55 saturday 25:19 sunday 29:39 next week

Retirement isn't just about the numbers. Tim Ulbrich, PharmD and Tim Baker, CFP® and Registered Life Planner, explore how life planning can help you design a retirement filled with purpose, meaning, and fulfillment, not just financial security. Episode Summary When it comes to preparing for retirement, most conversations focus on the financial side—things like income planning, Social Security timing, withdrawal strategies, and tax-efficient investing. But true retirement readiness goes beyond the numbers. In this episode, Tim Ulbrich, PharmD, is joined by Tim Baker, CFP® and Registered Life Planner, to explore how life planning can help you design a retirement that's rich with meaning, purpose, and fulfillment, not just financial security. As you step away from decades of work—often after raising kids, building a career, and living within a structured routine—you enter a new phase of life where the biggest challenges aren't just financial, they're personal. Who are you now? What does your ideal day look like? How do you make this season of life one that aligns with your values and brings you joy? In this episode, you'll learn: What life planning is and how it complements financial planning How to navigate the personal and emotional transition into retirement Practical ways to align your money with your values and goals How to create a vision for a fulfilling and purpose-driven retirement Whether you're approaching retirement or simply thinking ahead, this conversation will help you see how life planning can make the next chapter not only financially sound but deeply satisfying. Mentioned on the Show Your Financial Pharmacist Your Financial Pharmacist on YouTube YFP 394: Crafting a Rich Life in Retirement: Insights from David Zgarrick, PhD Vanguard Study Advisor's Alpha Changes in US Family Finances from 2019 to 2022: The Federal Reserve Board of Governors

Rob Spivey, director of research at Valens Securities, says many investors believe the current stock market run to record levels has been about price momentum, but he says that earnings momentum has shown growth that is strong enough that it should calm the nerves of investors who think the artificial intelligence business is inflating a market bubble. Valens' research revolves around "uniform accounting," and Spivey discusses proposals that would change how often public companies must report earnings, and talks about why he believes it would not have as much impact on the market as many observers expect. Todd Rosenbluth, head of research at VettaFi makes the newest fund created by Vanguard — an emerging markets fund that excludes China — his pick for "ETF of the Week," noting that the ETF is a solid passive adjunct to actively managed emerging-markets strategies. Excluding China, Rosenbluth noted, is a strategic choice that may depend on an investor's gut feeling over the potential for a trade war or bigger tariff problems in the future. Financial adviser Dan Dorval of Dorval & Chorne discusses 'Financial Success for the Rest of Us: Quality of Life Planning for Mainstream America," the book he wrote 20-plus years ago and just revised. He discusses how planning has changed but how developing investor discipline has remained one of the key factors of whether a person will achieve financial prosperity.

If you think numbers and charts are enough to win clients, think again. In this episode, Referral Coach Bill Cates interviews renowned author and speaker Mitch Anthony about the decisive role of storytelling and life-centered financial planning.  Mitch shares how neuroscience has proven that emotional connection, not just data, drives decisions, and how financial advisors … Continue reading #99 – What Every Advisor Needs to Know About Storyselling and Life Planning with Mitch Anthony →

Astronomy Cast Ep. 766: How Spacecraft End By Fraser Cain & Dr. Pamela Gay End-of-Life Planning for Your Spacecraft! Streamed live October 1, 2025. Your spacecraft has reached the end of its mission. You've done everything you can to keep it operational, but now it's time to say goodbye. How do space agencies deal with spacecraft to shut them down gracefully, protect future missions and life on other worlds. So, the time has come to see your mission across the Rainbow Bridge. How exactly do you say goodbye? Let's discuss. 

https://www.youtube.com/watch?v=kXkqLQ1oBk8 End-of-Life Planning for Your Spacecraft! Streamed live October 1, 2025. Your spacecraft has reached the end of its mission. You've done everything you can to keep it operational, but now it's time to say goodbye. How do space agencies deal with spacecraft to shut them down gracefully, protect future missions and life on other worlds. So, the time has come to see your mission across the Rainbow Bridge. How exactly do you say goodbye? Let's discuss.    Support our shows through https://Patreon.com/AstronomyCast   We've added a new way to donate to 365 Days of Astronomy to support editing, hosting, and production costs.  Just visit: https://www.patreon.com/365DaysOfAstronomy and donate as much as you can! Share the podcast with your friends and send the Patreon link to them too!  Every bit helps! Thank you! ------------------------------------ Do go visit http://www.redbubble.com/people/CosmoQuestX/shop for cool Astronomy Cast and CosmoQuest t-shirts, coffee mugs and other awesomeness! http://cosmoquest.org/Donate This show is made possible through your donations.  Thank you! (Haven't donated? It's not too late! Just click!) ------------------------------------ The 365 Days of Astronomy Podcast is produced by the Planetary Science Institute. http://www.psi.edu Visit us on the web at 365DaysOfAstronomy.org or email us at info@365DaysOfAstronomy.org.

End-of-Life Planning for Your Spacecraft! Streamed live October 1, 2025. Your spacecraft has reached the end of its mission. You've done everything you can to keep it operational, but now it's time to say goodbye. How do space agencies deal with spacecraft to shut them down gracefully, protect future missions and life on other worlds. So, the time has come to see your mission across the Rainbow Bridge. How exactly do you say goodbye? Let's discuss. 

It's go time. We kick off this week with a Full Moon in Aries, and Mars — the planet of action, drive, and energy — is finally strong again. This is the moment to move forward, take action, and actually feel like you've got the fuel to do it. This week is all about cultivating trust in your timing, acting with courage, and staying aligned with the bigger plan. If you're ready to stop guessing and actually use astrology to plan your life, join my 6-Hour Personal Forecasting Masterclass where we'll cover unprecedented astrology, how to decode your chart, the core timing techniques, trusting transits, and your 5-year forecast - so you can stay focused, confident, and aligned with your natal promise.  Get the Life Planning with Astrology Course & Join us LIVE on October 26th: https://www.camwhiteastro.com/offers/VHoL8F7z/checkout Get the Monthly Game Plan, Rising Sign Horoscopes & Courses: https://www.camwhiteastro.com/memberships . 00:00 intro 03:12 monday 08:40 tuesday 12:59 wednesday 18:45 thursday 20:13 friday 20:58 saturday 23:53 sunday 26:56 next week  

SHOW NOTESIn this episode, Roger Whitney sits down with Carl Richards, a financial advisor-turned-artist, to talk about keeping retirement planning simple and meaningful. They dive into the idea of “elegant simplicity,” the importance of knowing your goals, and making decisions that actually work for you. Plus, hear inspiring stories from club members to help you rock your retirement!OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) The ultimate goal in building a retirement plan of record is elegant simplicityCHAT WITH CARL RICHARDS(02:00) Roger introduces Carl Richards.(03:50) Carl started sketching to help explain complex financial concepts.(07:33) Roger asks Carl about his new book coming out in October.(11:00) Roger and Carl talk about the differences between simplistic and elegant simplicity in retirement planning.(17:55) How do you decide when you have enough information to make a decision?(22:19) There are many different types of decisions that need to be made- Decisions where you need a lot of research versus decisions where you already have all of the information.(26:58) Writing makes decisions tangible versus rehashing them in your brain(28:19) Carl talks about mimetic desire and figuring out what it is that you really want.(39:45) Carl says he loves the idea of experiment design.(41:40) Carl talks about living a life of meaning.(46:50) There is a deep source of identity and purpose that comes from work. When you remove that, what do you replace it with?(52:58) Carl talks about competing values.(55:00) Roger talks about the Retirement Life Lab in the Rock Retirement ClubSMART SPRINT(56:43) In the next seven days, review your retirement plan and look for ways to simplify it so it's easier to manage.CONCLUSION(57:37) Roger says that what stuck out to him from the conversation is how difficult it can be to truly know what we want and how easy it is to just grab someone else's goals, when what we really need is to slow down and take the time to define our own so we don't end up living a life that doesn't fit us.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManBehaviorGap.com- Carl RichardsFOLLOW US ON SOCIALS!Follow Us on Facebook!Follow Us on Instagram

Yes!  You are in!  Thank you for sharing when worthy.  We'll see how this one stacks up.  Did you know you are a surfer?  Ok, maybe you've never touched the ocean.  You are absolutely surfing waves called life.  Some waves can be thrills of a lifetime.  Some waves can wreck you, destroy relationships and even you.  Here you go...Thank you Pastor Rick Warren, Daily Hope and Saddleback Church.  I start off almost every day with Daily Hope.  How about you?  Do you start your day with something uplifting and strengthening or the news or Fakebook or Instabrag?When I have my A game.  I start the day in the Word, prayer and iron sharpens iron listens.  Oh, to hear more on that one, please click below...https://www.pastorrick.com/current-teaching/series/a-toolbox-for-life-2025?view=learning-to-be-both-fast-and-slow---part-1So I do call SoCal home.  I do surf.  And that's when the vision came to me.  To catch waves you need intention.  You need to train.  You best take some lessons.  Better yet, you go with a pack so you can keep an eye on each other.  When it comes to Life Planning, that's how GCrossSurf was born.  My wife still thinks we should rebrand and maybe we do.  What was fun to learn that Pastor Rick and team also use waves for teaching.  I love affirmations.  I had no idea.  First time I ever heard him mention waves.  And I pretty much listen to him 5 out of 7 days per week.  Anyway, smarty pants out there will say you can create waves behind a wakesurf boat or wave pool.  Yet that isn't what Pastor Rick was teaching on.  In life, you hop into the ocean called this broken planet.   And you have to ride with what God gifts you and also what this broken planet will serve up.  If we could all just create our own destinies then we would all be Michael Jordans or Lebron James or Taylor Swifts or Lord knows what.  The woman at the well had waves of failed relationships.  Check John 4.  Joseph's brothers threw him into a pit to die.  Genesis 37.  Daniel was enslaved by Babylonia.  Check the book of Daniel.  Moses thought he was leading his people out of slavery in Egypt and ended up enslaving themselves in the desert. Check Exodus.  And we can go on and on.  Some fair, some deserved, some definitely not deserved, all crappy waves that eventually turn into beautiful surf of life...for those that love and seek Him.  Rom 8:28Odds are you are in crappy surf right now.  Maybe you are in the best surf of your life.  Ok, enjoy it while it lasts.  Give God thanks.  Yet for those in crappier surf, learning to be content (not happy) content (big difference) shows your might faith and strength.  Knowing that Rom 8:28 waves are going to pay...someday is mighty Faith.So if so inspired, hit us up at FriDudes.com and we'll give you a free GCrossSurf workbook.  Planning and riding the most important waves of life.  If you are tech savvy, we'll even give you early access to the beta web app.  For it needs some lovin and shapin.  Ending on a prayer note...  

SHOW NOTESIn this episode, we tackle the often-overlooked topic of taxes in retirement with expert Erin Coe, an enrolled agent. Discover how to avoid unexpected penalties and interest on your IRA distributions and Roth conversions. We also share an inspiring retirement success story from Lottie, reminding us of the importance of clarity and simplicity in planning. Tune in for practical advice that will help you rock your retirement!OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Today Erin Coe joins Roger to talk through penalties and interest during retirement, what those things are.ROCKIN' RETIREMENT IN THE WILD(01:30) Lottie says she got caught up in ideas about the perfect retirement and it was getting in her way.PRACTICAL PLANNING SEGMENT WITH ERIN COE(03:31) Today we're going to talk about penalties and interest when it comes to taxes.(04:52) Erin explains the difference between a tax penalty and interest.(11:14) Roger asked Erin how to calculate an estimated quarterly tax if not doing safe harbor?(13:55) Erin shares her tips on tax returns.(16:08) Being prepared is always better than being taken by surprise when it comes to taxes.LISTENER QUESTIONS(16:40) Roger makes a correction on a past statement.(17:25) Jeff asks a question about the pie-cake explainer video.(20:30) Dave asks a question about helping his elderly mother with her finances.(26:11) Robert asks about getting two mortgages near retirement.SMART SPRINT(32:15) Over the next seven days, download the 1040 form and review how it applies to your retirement income. Decide whether you'll handle taxes through estimated payments, safe harbor payments, or automatic withholdings from distributions.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManIRS.gov FormsFOLLOW US ON SOCIALS!Follow Us on Facebook!Follow Us on Instagram

George Kinder is an author, international thought leader, and founder of Kinder Institute of Life Planning with more than 35 years of experience as a financial planner and tax advisor. George is dedicated to guiding individuals in uncovering their deepest values and leading more fulfilling lives. His ultimate aim is to promote greater freedom in every aspect of existence. In this conversation we discuss:  The importance of living in the present moment and mastering one's life. George's three questions to help identify goals and priorities and how the answer to the "having 24 hrs left" question helps you realize what you've missed in life.  The balance between short-term pleasure and long-term financial planning.  How to find a trust-worthy financial planner who will help with your life plan George's approach to parenting is being a good listener & showing empathy, rather than being overly restrictive or reactive + more! Watch this episode on YouTube below or by clicking here. Other Links Mentioned in episode: Get George's book, The Three Domains of Freedom Apply to Share Your Journeyer Story, here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here!  Get your copy of my book: Your Journey To Financial Freedom Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with George: Website: https://KinderInstitute.com Website: https://www.GeorgeKinder.com Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide  

What does it truly mean to care for aging parents while preserving their dignity, independence, and joy? This conversation explores the emotional and practical realities of caregiving, from the strain of daily responsibilities to the deep rewards of being present and actively listening. Through personal stories, the speakers highlight the need for open communication about end-of-life planning, the emotional weight of anticipatory grief, and the delicate balance between prolonging life and ensuring its quality. They emphasize shifting expectations, finding joy in shared moments, and cherishing family gatherings as a way to strengthen bonds and create lasting memories—reminding us that, in the end, family connections are what matter most.Feeling stuck? If you need help getting out of your rut, Will can help - head to willnotfear.com to learn more about his coaching to get you off the hamster wheel. More from MTM at: https://mentalkingmindfulness.com/ Timestamps:00:00 - Introduction02:46 - Navigating the Challenges of Aging Parents05:58 - Being Present and Actively Listening 08:54 - Shifting Perspectives on Aging11:32 - Finding Joy in Shared Moments14:53 - The Emotional Strain of Caregiving 17:45 - Maintaining Dignity and Independence20:56 - Practical Support for Aging Parents23:55 - Conversations About End-of-Life Planning 26:39 - The Role of Communication in Caregiving29:50 - Anticipatory Grief and Emotional Challenges32:40 - Quality of Life vs. Prolonging Life35:47 - Lessons Learned from Aging Parents38:57 - The Value of Family Gatherings41:49 - Preparing for Our Own Aging44:52 - Closing Reflections and TakeawaysHosted by Ausha. See ausha.co/privacy-policy for more information.

In this episode, Roger Whitney welcomes Michael Easter, New York Times bestselling author of 'The Comfort Crisis' and 'Scarcity Brain.' They delve into the concept of overcoming frugality and the evolutionary mismatches that affect our resource management in retirement. Discover how short-term discomfort can lead to long-term growth, the importance of taking the stairs in life, and the psychological implications of our modern abundance. Tune in for insights that can help you not just survive retirement, but thrive in it!*Episode originally aired March 27, 2024OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN[01:04] Today we have Michael Easter, author of Scarcity Brain, on the show.PRACTICAL PLANNING SEGMENT WITH MICHAEL EASTER[02:20] Roger introduces Michael Easter to the show[03:14] The Comfort Crisis falls into the Energy Pillar- building energy so you can show up for your life.[04:30] Roger asks Michael what his objective was in exploring the Comfort Crisis[09:40] Why is it a bad thing to be comfortable?[12:40] How do we start being more uncomfortable?[16:11] The Scarcity Brain falls into the Vision Pillar.[18:00] Why do we have a constant feeling that we don't have enough?[25:25] Quantifying goals is not always the best thing to do.[29:01] Michael defines what the scarcity loop is.TODAY'S SMART SPRINT SEGMENT[33:21] In the next seven days, take the stairs! Do something that most people don't do.RESOURCESBOOK - The Comfort Crisis by Michael EasterBOOK - Scarcity Brain by Michael EasterStutzRock Retirement ClubFOLLOW US ON SOCIALSFollow Us on Facebook!Follow Us on Instagram

In this enlightening episode, we tackle the often overlooked mental shift required in retirement: transitioning from a saver to a spender. Join us as we revisit a compelling conversation with Dr. Daniel Crosby, Chief Behavioral Officer at Orion Advisory Services. We'll explore the psychological barriers many face in letting go of frugality and how to embrace the resources they've accumulated to enhance their lives. Discover practical strategies to gain confidence in spending, overcome the fear of uncertainty, and ultimately, live a fulfilling retirement without the regret of dying with too much money. Tune in for insights that could transform your approach to retirement!*This episode originally aired March 20, 2024OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN[00:30] Overcoming frugality is a major crisis for many in retirementINTERVIEW WITH DAN CROSBY[01:19] Roger introduces Daniel Crosby.[02:50] How do we overcome frugality?[04:30] There are a lot of behavioral things that change when you leave full-time work.[09:45] How to gain confidence in the midst of uncertainty.[17:22] People are wired to avoid regret.[18:01] What are some basic things people can do to overcome frugality?[22:16] You can't undo 40 years of programming in 4 minutes- experiment with behavior and small commitments.TODAY'S SMART SPRINT SEGMENT[25:15] In the next seven days, I challenge you to examine your retirement plan and ask yourself- is there something else I should add that's important to my life?RESOURCESBOOK - The Soul of Wealth by Dan CrosbyBOOK - The Top 5 Regrets of the Dying by Bronnie WareBOOK - Die with Nothing by Bill PerkinsRock Retirement ClubFOLLOW US ON SOCIALSFollow Us on Facebook!Follow Us on Instagram

In this episode, we explore the journey of retirement through the eyes of Brad, a member of the Rock Retirement Club. Brad shares his experience of moving to The Villages in Florida, detailing his decision-making process, the community's offerings, and how it has transformed his retirement lifestyle. Join us as we uncover valuable insights and tips for anyone considering retirement living, all while enjoying the vibrant atmosphere of this unique community.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MANA MINI CASE STUDY[01:30] Roger introduces Brad and asks how he discovered The Villages Retirement Community in Florida.[09:30] Roger asks Brad what led them to explore 55+ communities.[11:35] Brad explains how The Villages community is organized.[19:14] Roger asks Brad what advice he would give to someone exploring places to retire.TODAY'S SMART SPRINT SEGMENT[22:09] In the next seven days, think about where you are going to live in retirement.RESOURCESThe Villages CommunityRock Retirement ClubFOLLOW US ON SOCIALSFollow Us on Facebook!Follow Us on Instagram

All of July we will be replaying some of our popular past episodes. In this episode, we engage with retirement planning expert Michael Kitces as we explore the evolving landscape of retirement planning. Discover the importance of flexibility in retirement spending and how to select the right retirement planner for your needs. We also discuss the implications of dying with too much money and the critical questions you should ask when interviewing potential advisors. Tune in for insights that will empower you to not just survive, but truly rock your retirement!OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(0:00) The key to finding a retirement planner is to find someone that puts YOU and not your money in the center of everything.(00:45) Today we have a replay of last year's interview with Michael Kitces.INTERVIEW WITH MICHAEL KITCES(02:11) Roger introduces Michael Kitces and chats about flexibility.(13:30) Michael says as a professional, he does not want to have a client fail on his watch.(19:21) Roger says the quote that comes to mind when he thinks about retirement planning is: “You're never going to be exonerated from uncertainty, pain, or the need to do work” Stutz(24:00) Most people understand that change is to be expected.(29:05) Michael talks about risk tolerance.(32:55) Michael reflects on the question “How do we help clients actually make better decisions?”(33:51) Tips on how to choose a retirement planner.SMART SPRINT (45:55) In the next seven days, evaluate the quality of your process for making decisions in retirement.RESOURCESBOOK - Die with Zero by Bill PerkinsBOOK - It's Not Complicated by Rick NasonKitces.comBOOK - Rock Retirement  by Roger WhitneyRoger's Retirement Learning CenterFOLLOW US ON SOCIALSFollow Us on Facebook!Follow Us on Instagram

All July long, we're featuring a special replay series of standout episodes—and this week is no exception.Join us for a special episode as we welcome Christine Benz to discuss her book, "How to Retire." In a captivating conversation in the Rock Retirement Club, we dive into topics like long-term care, the 4% rule, investing strategies, and simplification. Featuring insights from Fritz Gilbert, a member of the club and contributor to Christine's book, this episode offers a holistic view of retirement planning. Discover how to balance financial and non-financial aspects for a fulfilling retirement journey.*Episode Originally Aired December 4, 2024*OUTLINE OF THIS EPISODE OF RETIREMENT ANSWER MAN(00:55) We are going to play some past impactful episodes for the whole month of July INTERVIEW WITH CHRISTINE BENZ(01:28) Today we start off the month with a replay of our interview with Christine Benz.(03:17) Roger asks about the goal for the readers of this book.(04:48) Christine: The goal was to cover retirement in a really holistic way and include as much non-financial as financial information on retirement planning.(06:10) Roger thinks the interview style of the book helped make it more approachable.(08:13) Roger asks Christine about any big, unexpected insights that came up when she was writing her book.(11:12) Fritz Gilbert says I give Christine serious kudos for the approach she took and the amount of homework she did.(12:35) Christine tells Fritz that she loves his methodical approach to dealing with the years leading up to retirement.(14:16) Marla asks Christine if she would change anything if she was writing this book today to accommodate the 2024 election results and also asks about managing portfolios on Morningstar.(18:15) Roger says when it comes to portfolio construction, it's easy to overcomplicate things(21:14) Larry asks Christine what challenges her or confounds her most about her own retirement planning.(23:35) Larry asks “Are you concerned that we may not find people to provide long term care?”(31:08) Kevin Lyles asks Christine about asset allocation in retirement.(37:55) Laura asks: When talking about high quality bond portfolios, do bond funds work?(42:00) Roger asks about indexes and broad diversification. (44:37) Roger says someone had a comment related to some of the research on small cap value and asks Christine her view on having a more diversified small cap value tilt?(48:19) Eric asks “what is the argument for using TIPS (Treasury Inflation-Protected Securities)  for retirees?” (51:28) Roger asks Fritz if he has been simplifying his portfolio or working more on optimization since retiring in 2018.(53:52) Roger says the optimization part of retirement sometimes dominates the conversation.(54:44) Roger asks Christine: Have you found in your own life a balance between making sure you don't get too complicated in investments?(57:55) Brianna asks Christine what question she has been reflecting on after the 20 interviews?(58:45) Christine she's been thinking more about whether the concept of retirement is flawed.BONUS(01:01:26) Roger reads an excerpt from his grandfather's WWII journalResources Mentioned In This EpisodeWade PfauMorningstar The Retirement Manifest- Fritz GilbertDaughterhood.orgChristine BenzSix Shot SaturdayBOOKSHow to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement - Christine BenzBeing Mortal: Medicine and What Matters in the End - Atul GawandeKeys to a Successful Retirement: Staying Happy, Active, and Productive in Your Retired Years - Fritz GilbertRock Retirement: A Simple Guide to Help You Take Control and Be More Optimistic About the Future - Roger Whitney