Retirement is not just about financial readiness; it's also about finding purpose, passion, and personal growth.
James and guest Cynthia Meyer debunk the arrival fallacy, the illusion that reaching retirement will bring lasting happiness.
Having structure in retirement and pursuing your passions is vital to feeling fulfilled. Although it's easy to fall into comparing our retirement experiences to those around us, this is a dangerous trap. Finding what's truly important to you and following that will lead to much greater happiness.
Questions Answered:
What is the arrival fallacy?
How can retirement coaching help you find freedom and fulfillment in retirement?
Timestamps:
0:00 - Arrival fallacy
1:25 - Retire…then what?
3:58 - Structure in 4 chunks
6:06 - Risks of no structure
7:59 - Procrastination
9:35 - Finding your passion
12:33 - Microsteps and consistency
14:32 - Prodding the brain
17:01 - Not just for retirement
20:33 - Passion follows commitment
22:43 - Experiment and be flexible
24:20 - Be careful of stereotypes
26:17 - Rewire retirement
28:08 - Advice and resources
Create Your Custom Strategy ⬇️
Retirement is not just about financial readiness; it's also about finding purpose, passion, and personal growth.
James and guest Cynthia Meyer debunk the arrival fallacy, the illusion that reaching retirement will bring lasting happiness.
Having structure in retirement and pursuing your passions is vital to feeling fulfilled. Although it's easy to fall into comparing our retirement experiences to those around us, this is a dangerous trap. Finding what's truly important to you and following that will lead to much greater happiness.
Questions Answered:
What is the arrival fallacy?
How can retirement coaching help you find freedom and fulfillment in retirement?
Timestamps:
0:00 - Arrival fallacy
1:25 - Retire…then what?
3:58 - Structure in 4 chunks
6:06 - Risks of no structure
7:59 - Procrastination
9:35 - Finding your passion
12:33 - Microsteps and consistency
14:32 - Prodding the brain
17:01 - Not just for retirement
20:33 - Passion follows commitment
22:43 - Experiment and be flexible
24:20 - Be careful of stereotypes
26:17 - Rewire retirement
28:08 - Advice and resources
Create Your Custom Strategy ⬇️
There's something in psychology called the arrival fallacy, and it's the illusion that once we make it, once we attain our goal or reach our destination, then we will have lasting happiness. Then, of course, we reach our goal, we reach our destination and we find that lasting happiness has somehow eluded us. This is something I see quite a bit with retirement. You think that as soon as you have a big enough sum of money, then you'll automatically experience that freedom and that happiness that you've been searching for. Fortunately, that's really actually the case. And to help us understand why, we have guest Sin Meyer on the show. Sin is a retirement life coach and the founder of Second Wind Movement. Sin, welcome to the show.
Speaker 2:Thank you so much for having me. I'm excited.
Speaker 1:This is another episode of Ready for Retirement. I'm your host, James Cannell, and I'm here to teach you how to get the most out of life with your money. And now on to the episode. I am too. I didn't tell you this actually before, before hitting record, but this is actually going to be the 200th episode of Ready for Retirement, so a milestone, I guess you want to call it that. And sometimes on those milestone episodes you want to talk about something extra special or extra important outside the usual social security, Medicare, investments, taxes, and I think that this is one of those milestone topics of who cares how big your portfolio is? Who cares how much you saved in taxes? Who cares if you had the perfect estate plan? If you're lacking purpose and meaning and happiness in retirement, we're kind of missing the whole point of it. So I'm excited to dive into that and talk to you about that.
Speaker 2:Yay, look at you 200.
Speaker 1:That's awesome 200. Let's hope it's a good one. I think it will be. I know we've had a conversation before and it was really beneficial. And here's where I want to start is I'll talk to clients in my role as a financial advisor, and they've saved enough money, they've got the plan in place, they have a strategy in place and it's time to retire. But the feedback, or the concern is what am I going to do? You know I retire on a Friday, james. What do I do the following Monday morning? And there's really the sense. Really, what they're saying is they're looting to the lack of identity. Or the underlying current is who am I when I don't have 40 to 50 hours of work each week to distract me? And so I would love to know from you, sin, what is the best thing that someone can do, where they go from this really busy schedule. They've got deadlines, they've got meetings, they've got projects, they're working 40, 50 hours and then they retire. How do they think about that transition?
Speaker 2:Exactly. Oh my gosh, I'm so excited because there's so many layers to this, right. So there's the brain layer, there's the societal layer and then there's the tangible versus intangible layer. So I want to address the tangible versus intangible. So tangibly, okay, we're preparing this great career financial nest egg. Here's the numbers Am I financially prepared? Right.
Speaker 2:And so stereotypically it's financial retirement preparation equals retirement preparation. But there's the total invisible stuff the mental, emotional role, your identity, all these passions and purpose and where you fit into this world and what you've been associating with. It's totally open when you enter retirement. So the brain thing is we pick condition to identify with a certain role, identity, purpose throughout your peak career and your family life, right. And then when you come and cross that finish line, it's like, okay, whoa, actually it's not as great as I thought it was.
Speaker 2:And so, from mental stage perspective, there's the pre-retirement stage, where it's kind of like esoteric in the future, as long as I'm financially prepared, I'm good. And then you have that honeymoon stage, which is stage two, and you're like, yes, relief, avoiding the stress of work. And then that disenchantment stage, and that is where we're kind of talking about today, where it's that structure is the brain level. So you've been activating your system physically, mentally, like every day, to have this really crazy schedule at least those who are go, go, go, go go, which is most American. And then you're open in this totally new phase.
Speaker 2:So you have the identity thing that you're dealing with, you have the spending money down, which feels very awkward, and then you have this open structure. So to begin with, I would say, before you find clarity on your purpose and your passion, which is, you know, my line of work in my wheelhouse, it's like you can just start with the basics of structuring your day. So I really like to advise people to not get into a very easy stage three, disenchantment, retirement right when you mentally tell yourself, okay, I have all the time in the world to take care of the things on my bucket list, my to-do list, you know all these passions and purposeful things that I thought I would do in retirement. Because what happens is your brain kind of kicks into. I need to be in safe mode and just reserve my energy, and so without a structure, it's easy to procrastinate.
Speaker 1:So I like to look like.
Speaker 2:I like to advise breaking it into four chunks.
Speaker 2:So you have your morning and your evening routines and those are cyclical, ritualistic things that you do and those are just the bookends of your day.
Speaker 2:And then you have your mid morning, which is like before lunch, and then your afternoon, just for really open chunks, and then within those there's the daily practices, so that could look like exercising, journaling, walking, reflective time, and then you have energizing me time.
Speaker 2:So that's again my wheelhouse passions, purpose, how you're going to contribute, how you're going to help others, right, and that's not going to look stereotypical like volunteering at gigs that are classic or senior activities, right. So it's very much an important aspect to find clarity on this bucket. But then you also have your to-do list items like your chores, responsibilities, your duties, your doctor's appointments, that type of thing, and then you have your social time. So I like to advise people to just have these general buckets where you know where to toss different activities and where they land, so that you leave room for everything. And if you just start with that general structure, then you'll know more clearly where to put your chores versus the things that you thought you would be doing and enjoying the more fulfilling, gratifying things, and you also fit in those ritualistic things where you're taking care of your body and things like that and your social activities.
Speaker 1:And what's the risk? And I know you touched on this a bit, but say, someone says I'm getting away from work because I hate that structure. I hate that my day is scheduled to the minute and here's what I have to do and I'd love just to breathe a little bit. What happens if I transition to retirement and I don't create that structure? What's the risk there?
Speaker 2:The risk is absolutely falling into procrastination and staying in disenchantment for longer than you want to, right? Without that clarity. So it sounds backwards, but you need to schedule in that spontaneity. So it's going to feel great and like you were going to need that liberation of not having to have every minute scheduled. But you don't want to swing totally to the opposite side where you have zero things scheduled because you're craving it that badly. So begin with a basic structure and definitely schedule in that free time where you can be spontaneous and just relax and do nothing right, and have that stress relief available to you. But you don't want it to be so much that your limbic system takes over and just lets you have that indefinitely all day without structure.
Speaker 1:To me and correct me where I'm wrong here, and this is obviously your wheelhouse. But people almost have the sense that the opposite of a crazy hectic, busy schedule is a schedule totally void of any structure. But to me it's like no, both are reflection of the same thing, which is a lack of intentionality. On the one hand it's you're being reactive to someone else's demands and needs and timelines, but it's not as if just by completely removing that you're now fully being intentional by removing that it's going to feel good, probably for a little bit, as you just can breathe a little bit, but then, like you're saying, you get lost in that sense of procrastination.
Speaker 1:That isn't the best. Why is procrastination such a big problem in retirement? And you're starting to talk about it, but what is it that that ultimately creates?
Speaker 2:I think the lack of clarity is the biggest thing. So your lack of clarity leads to lack of direction, lack of next steps. So what do I do? How do I fill my time? And so you're going for the relief, and that's great. But without structure, then you lose momentum and lose direction and then you get into this disenchantment phase of just cloudiness and I don't know how to get on this path.
Speaker 2:And you're right in that we're so reactive to things that we're responsible for and delivering on these career type of goals, and so, when it comes to retirement, clarity is needed on your sense of passion and purpose. So there's energy that you invest in your career and your family life for decades and then, when you retire, that energy floats up and it needs to be intentionally directed somewhere that gives you energy, that makes you feel relevant. That is your new identity, and it also is a way for you to develop, evolve, grow into something different and that's more authentically. You and most people aren't given those tools, or even those questions, or even you know the suggestion to find clarity on these things that are going to light you up from the inside out, and so we end up not even addressing those concerns. And then this invisible void grows and hums in the background. That gets bigger and bigger until we're kind of faced with other depression or anxiety like symptoms.
Speaker 1:Yep, how do you suggest to people Because I all hear people say this all the time is I know I need to find my passion, I know I need to find my next thing, but I just I don't know what it is. You know, I've had this job description, I've had this role and that's been refined over years and years and years and like that's simple enough. So it's it's. I'll see this all the time with people that don't love work and they really don't want to work, but it's at least the evil they know, as opposed to the evil they don't, which is gosh. I know I need to find this next thing, but where do I even start when it comes to rediscovering who am I as a person?
Speaker 2:Exactly. Yes, I mean especially for people who are like go, go, go high, achieving individuals in their careers. They come up blank when asked what are my passions and purpose like in retirement, what's my role? Because they're so used to externally delivering and so I can only imagine, if someone's not liking their job, where that energy is going to go, because they haven't really had the time to think beyond, just like stress relief, right? Just, I need to get away from this. So I have a framework, five rings of retirement, and finance is one of them, and finance is, you know, you're very much part of this mission is to support all the other passion filled, fulfilling rings of retirement, and so I really encourage people to find clarity using this framework and then going deeper into that. To find clarity, so meaning there's growth, which is your sense of change, develop, evolution, stimulation, right, and so you need to have different passions and purpose than you did in the past, and most people assume that what they loved in the past is what they're going to love in the future, and that's not typically the case, because your body and your mind and your brain your brain is neuroplastic, and so that means you can create new neural pathways in your brain for the rest of your life, and so it craves evolution and change to be different, right? So sometimes that void that hums in the background is just like you're ready for change, you're ready for growth. So growth, community, so that's your relationships and your involvement in the community and you know your relationship with your spouse, et cetera, and your friends, and then health, so it's physical and mental, and then giving back, which is your sense of purpose and that's your contribution, and that is completely not going to be traditional in the sense that it's not going to be a volunteer gig that most people do or suggest as like a stereotype in society. So that's like saying this career that I chose is for everyone, Like it's so different, everyone's career that they chose, you know, even their educational paths are so unique and so giving back is going to be completely non-traditional and that's also an area that people like a big one for people, where it's they find their sense of purpose and sharing their unique gifts, and it's going to look totally different from what's stereotypically out there as volunteering.
Speaker 2:So going deep into those rings is how I encourage people to find clarity, and not all at once. So my whole thing is microsteps and consistency. So breaking it down into energy level, out of the five rings, which ring do you feel the least energy in? So just a simple scale, one to five, five being super great, one being low and depleted on energy, which ring do you need your most attention now? And that's typically where I suggest people go to look first. And so that is at least one category that you know need your attention right now, and then from there the microstep thing applies in the finding clarity process, which is in an inward process before any external outward action.
Speaker 2:So I would prod your brain every single day.
Speaker 2:Sounds really silly at first, but it's so important because this clarity is going to help you not waste time and energy on things that aren't a good fit that you don't really care about deep down inside.
Speaker 2:So zone in on one ring and then prod your brain whether it's journaling or following, like my system where I give you all the questions and prompts to find the reticular activating system in your brain, ras, which is basically it filters in what you truly want to know and see. So an example of the RAS is, let's say you're shopping for a car and you're considering a red convertible. You're driving around town and you'll notice that you'll start filtering in more red convertibles on the road. Were there more red convertibles on the road? No, but your brain was filtering more of them, and so it's the same thing when you're finding clarity on any of these invisible things, your brain filters in and from your subconscious. These deeper desires, wishes, dreams and goals that you authentically align with, that you really didn't give the chance to surface. So I definitely recommend, like the microstepping thing where you're just spending like 20 minutes a day prodding your brain for these answers.
Speaker 1:Yeah, I think there's so much truth in that. Now, let's say, growth is an example of one of those five rings you're talking about. So I just retired and I'm saying, hey, I just don't feel like I'm growing, I feel like I plateaued, I'm stagnant. I don't feel like I'm, I don't know. That's just an area of my life that I feel I'm lacking in. I know I need to prod my brain for 20 minutes a day. What does that look like? I just I feel like I don't even know where to start. What am I doing for 20 minutes a day? Or are there activities that I should be trying to be doing to kind of have some of these things float to the surface so I can start to pursue them? What's an example of things? Whether it's journal prompts, whether it's activities, whether it's conversations, what are some examples of things that can be done to help find those?
Speaker 2:So I definitely have a system where I lay out every question, prompt exercise that you need to prod your brain in all five categories and then imagine doing this 60 days in a row. All of that clarity will be unlocked and then you have a roadmap to then take outward action and kind of work through each of them in micro steps as well, for growth specifically. If you don't want to, if you want to do like the DIY process, I would just zone in on like things, that what growth means to you. You know, like what are your passions, what are your regrets. In three words, like, what's your philosophy for living? What core values do you want people to think of when they think of you? What inspires you the most? You know what's a significant event in your life that helped define you like these types of questions.
Speaker 2:I'll I can leave a link to like a sample of these finding clarity questions. I call them the just general finding clarity questions. They very much apply to your sense of growth because it's you evolving into a more authentic version of you in this new role. But basically, anything that's gonna like energize you right and pique your interest right. It's gonna be like a surge of energy and it's the best way is to journal physically about it 20 minutes per day, you know, and kind of follow an organic rabbit trail if you will, if you want to take the DIY route. So I'm happy to leave, like those questions there. But there's a very systematic and thought-of-the-way in my program, the Rewire Retirement Program that helps you in every rain.
Speaker 1:Yeah, a couple of things I want to add onto. That is, as we're talking about this and you and I it's we're talking about this retirement transition, and how do you continue that growth and evolution, even once you retire? It's not like, oh, that there's two phases of life of pre-retirement and post-retirement, and you know it's once you retire, then you should do this. It just so happens that that first phase of life, the pre-retirement, does typically get filled up for you, like your time is accounted for, whether it's raising a family or paying a mortgage or going to war or give so many responsibilities that it's almost like your time to focus on some of these things is diminished a bit, whereas when you retire and you think these are going to be my golden years and you think this is going to be the best time ever, well, now, all of a sudden, you do have a wide open week and so you, I guess, have some time or some capacity to focus there. But this should be something universal, whether you're 65 years old or 30 years old of how do you constantly evaluate the areas of your life that you feel are lacking because they're earlier on? You do you know if someone's listening to this and they're 10 years out from retirement. Well, this shouldn't be something that you're saying I'll do this in 10 years. It's almost say, as soon as you can do this, the better. It's just going to lead to a more full life, regardless of how old you are.
Speaker 1:One thing that stuck out to me, so I'll journal every morning and what I found is 2023, a lot of that journaling is about the business and what we're doing and there's major breakthroughs and there's things that are awesome. And I don't know if you followed the INA grant much, but, like there's certain personality types and mine is very much that achiever. I want that dopamine head of doing new things and accomplishing new things. And as the year was coming to a close and it was kind of reflecting on what went well, what do I want to change for 2024? I almost like embarrassed to say this, but it's like so much of my journaling is work related as opposed to family related and as kind of convicted, a little bit of geez, what if I spent as much time journaling or reflecting on how could I be a better spouse, how could I be a better father, how could I be a better friend? And talking to your five rings is very much the work and the growth aspect, that it was Great and it wasn't like the others were bad, but it wasn't paying enough attention.
Speaker 1:And then, at the same time, james Clear, who's one of my favorite authors, has a great newsletter and he sent this quote that stuck with me. I haven't pulled up. He said you will love whatever you pour your heart into. Passion follows commitment, and it was this sense of it's like. Well, some of these things I'm not talking about, like my spouse and my daughter, but like some areas, like I just don't feel like I have a passion for growth, I don't have a passion for community involvement, I don't have a passion for work or whatever it might be. But sometimes, as he's saying, that passion follows your commitment to it. So don't wait for passion to strike, and then you commit to growing and then you commit to service and then you commit to things. It's the commitment comes first and then that passion follows and it becomes this virtuous cycle of you're then growing in these ways that you want to grow.
Speaker 1:So I think that that's just. I think your message is so spot on. I just want to tell people this isn't just day one of retirement. Now you start to implement this as much as wherever you are in your life. This is just a universal thing that people unfortunately don't always realize until retirement One, I think, because that arrival fallacy, they just think, oh, things will be better when I'm retired and have money and have time and have my life back. But number two is just you, you're that distraction of work is no longer something that you can use to escape the question of who am I really and what do I want to do on this earth.
Speaker 2:Exactly, exactly. I love that. And passion, you're right, it follows. So an example that popped into my brain is like I play violin. Did it start as my passion? Absolutely not. You sound like a squeaky pig for like three years, especially when you start, when you're like in junior or 10, I was 10, so elementary school and so you just like that commitment to daily practice is arduous and like tedious as it was, it didn't become my passion until after all that right, and then I got to play genres that I enjoy listening to and all these other things and jamming with other people. So it's that energy that grows after the commitment is there. But you know that the commitment is there because you have that clarity first, though, as well. So the inward action is very important and it's invisible and it's going to feel tedious because you're committing.
Speaker 2:Why am I journaling every morning Like what's the point of this? Because some people might get like an aha moment and then begin the outward action. And that's fine, as long as you continue the inward reflection stuff too, because there's so much locked in your subconscious that's jumping at the bit to get out. You know, especially when you're going to be the leader, of how you're structuring your day and you're not answering to anyone. You're answering to yourself, and so that's a very scary different thing for a lot of people who are conditioned to be in our society and everything.
Speaker 2:And so, right, the earlier you start this process, like the better. That would be so amazing if everyone did this. And, like journaling, is a really effective yet simple exercise to do, where you pull things out of your brain and into onto the paper and then activates the RAS, and so you'll have more details, filter in over time, and then there's the cumulative benefits, and then so, once you have that clarity, then you can take the outward action, which it's not all going to be like easy, right, it's not all gravy, and so then the passion comes. After that, it follows, yeah.
Speaker 1:Yeah, there's a cool I don't know who said it, but something might get it wrong but the thoughts are disentangled through speaking lips and pencil tips or something like that. There's so much that is in you. But as you try and figure, what do I want to be? What does retirement look like? It just get it on paper, have a conversation, do some of those things. And then one last thing before we move on is remember. I don't remember if there's our last YouTube video where someone left this comment or is a totally different one, but someone left a really insightful comment on a video where they said, hey, I retired in.
Speaker 1:The first six months were so difficult. Like I had my structure, I did everything and it was a really difficult transition. And then I don't remember what the change was. He said like I made one simple shift, I kept the structure, like I did this activity before that other activity and just like this simple sense of like shifting the order in which I did things, for whatever reason, had a huge impact on him. So I think for people listening, don't expect like, hey, okay, I got structure. It's going to take some experimentation and some flexibility, but you can find what works for you if you're willing to commit to it.
Speaker 2:Yes, and on that note, there is one very specific thing that I highly recommend shifting. If this is part of your habit, which is in the morning, you know when your brainwaves are going from beta to beta it's very important not to get that intention hijacked by email devices. Text some, something that's coming from a screen. Go straight to either journaling, meditation or exercise, something like that, where your intention is not hijacked. That is definitely one of the first things that we talk about when we set up someone's morning routine. I know you're used to opening your email first thing and answering all these things. Let's not do that until after you do X.
Speaker 1:Absolutely, absolutely. How much there's a stereotype over time that it is supposed to look like. You might watch commercials and it's this couple walking on a dock on a bay or they're hiking or whatever. There's smiles and there's leisure and all this. How big of a role do you think the stereotype of retirement is supposed to look like plays in someone's actual quality of life when it comes to their retirement?
Speaker 2:Oh, it's massive. It is massive. So subconsciously we're trained to think, and consciously, that retirement readiness equals financial readiness. Am I going to outlive my money? And it goes so far beyond that, as we've been talking about, and subconsciously it's very dangerous to just fall into a life of sedentary activity. So it's very important to unlock the clarity and it's okay if an eternal vacation in life of only leisure is not for you, it's okay to stay, I can't complain. But I'm also bored and I want to figure this out. I'm not feeling at the top of my game anymore. I'm feeling irrelevant and I'm afraid to not be important or feel connected. You have so much to unlock and this is the beginning of a growth journey.
Speaker 2:So the stereotype is retirement is time to settle down, live a life of leisure. I'm not disregarding the normal aging process, but I am saying that retirement is the beginning of a growth journey, a big growth journey, and there is so much for you to experience. So, beyond disenchantment, there is reorientation and then there's stabilization stages four and five. And I say, beyond that, there's this huge growth journey. So once you get into the system of wiring your brain to look for things that are fueling your passion and your purpose and you have structure and you have the discipline and you're taking care of that way. You're taking care of all your responsibilities and everything in your financially sounds and you have these great relationships you can soar. There's so much for you to do and it is amazing to see what people do once they rewire their retirement. And that's my passion is to fuel that movement of people who are soaring to greater and greater heights and redefining aging and redefining retirement and they're inspiring others around them, and so there's this big ripple effect.
Speaker 1:Yeah, I think there's important to frame it as a growth process, like you're saying, of that stereotype makes it seem like, okay, you have enough money and then life is just easy. But when is any type of growth ever been easy? Never. Just studying to get into the right college, working hard to get good grades and get that first job, like the struggle of the first couple of years on that job, trying to figure out the working world, trying to figure out how to be a good spouse, a good parent, a good it's never been easy, it's never been part of your journey to get to where you are.
Speaker 1:Yet somehow we think that, okay, we're going to go from working, working, working to become who we become, just to naturally falling into this retirement that's freeing and fulfilling and purposeful. It's going to take just as much work as it did to be the student you wanted to be, or to be the worker you wanted to be, or to be the parent you wanted to be, or whatever it is. Every single thing took work. And so I think that stereotype of okay, you're there, you have enough money, everything is good, does subconsciously impact our perception of what retirement's going to look like or supposed to look like but nothing good ever comes just super easy. Sometimes it's going to take some work and it's rewarding work, but it's not just happening by default if you're not creating that structure 100%.
Speaker 1:Yep, then maybe, as we start to wrap up, if you had one piece of advice to give people as they find clarity in their dream life beyond finances, what would that piece of advice be?
Speaker 2:Go inward for the answers and to not compare to what other people are doing. That's a dangerous trap and you're going to start self-doubting yourself. You're going to self-doubt and then you're going to start judging the thoughts that come out of your brain. And so, without judgment, be very, very consistent in your finding clarity process so you can utilize my program, my tools, my workbooks, whatever. But if you want to DIY, I highly recommend you be consistent. So, day after day, day after day, just 20 minutes journaling, prompting yourself, following those energizing breadcrumbs, and to find the clarity from within, because it's going to be so unique to you, so different, and the format that's going to take place, let's say, on your purpose and your passion in the future is going to look so different from what you can anticipate or predict right now, because you're really unlocking so much richness from your subconscious. It's very much a brain hack. So consistency is going to build that much needed momentum.
Speaker 1:Love it. Awesome, well Sen. This has been super helpful. I know that you've got a website. You've got a YouTube channel. There's all kinds of cool stuff that you're doing. Where can people find you or find more about what you're doing?
Speaker 2:So secondwinmovementcom, you'll find everything there, yep.
Speaker 1:Awesome. So thank you very much. It's been very insightful. I think that my takeaway is retirement doesn't have to be boring or stereotypical or the beginning of the end. Retirement can really be amazing as you start to focus on how can you continue to grow and develop relationships and give back. It can be truly one of the absolute best seasons of your life, but that doesn't happen by accident. The same way, growing a portfolio for retirement doesn't happen by accident. The same way, your other financial planning doesn't happen by accident. It does take some work and some effort, but the results are very much worth it.
Speaker 2:Yes, the invisible stuff counts too.
Speaker 1:Absolutely Well. Thanks so much for being here. Sen Really enjoyed the conversation.
Speaker 2:Thank you so much, hey everyone.
Speaker 1:It's me again for the Disclaimer. Please be smart about this. Before doing anything, please be sure to consult with your tax planner or financial planner. Nothing in this podcast should be construed as investment, tax, legal or other financial advice. It is for informational purposes only. Thank you for listening to another episode of the Ready for Retirement podcast. If you want to see how Root Financial can help you implement the techniques I discussed in this podcast, then go to rootfinancialpartnerscom and click start here, where you can schedule a call to one of our advisors. We work with clients all over the country and we love the opportunity to speak with you about your goals and how we might be able to help. And please remember, nothing we discussed in this podcast is intended to serve as advice. You should always consult a financial, legal or tax professional who's familiar with your unique circumstances before making any financial decisions.