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The Biggest Mistake Retirees Still Make · Retire and Thrive

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You know, I hate the phrase, but it's very, very corny and I
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think there is some truth to it. You don't want to be the richest
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person in the graveyard. It's just doesn't matter what
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you've accumulated if you don't have your health.
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A lot of parents that have that, that have accumulated some some
0:13
nice net worth have said I'd rather see my kids enjoy it than
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to enjoy it when I'm gone. When we look at that retirement
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age, do you see a lot of complacent folks?
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Or if you do see someone battling complacency, how do we
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get out of that? Unfortunately, I would say the
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majority people are complacent. They've been on this grind for
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so many years. The resources are tight.
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It isn't until typically the kids or part of the kids have
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left the house. Then that's when we see
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typically in their 50s where they're maxing out their four O
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1 OR40 3BS or whatever it might be, but.
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What do you think it's going to be like when 20 year olds are
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80? They barely watch TV, they're on
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their phones. Welcome back to another edition
0:55
of Retire and Thrive Podcast where we hope you live your life
0:59
with purpose, wealth and confidence.
1:01
That's right. I'm Kami, this is Dan.
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Thanks for joining us this week. We hope you had a great
1:05
Thanksgiving today. We are focused on winning the
1:08
fight in retirement. We're not talking about winning
1:11
the fight at the Thanksgiving table.
1:14
Hope that didn't happen for you at all.
1:15
No, we were good. Everybody was happy.
1:17
And I'm sure you would win the fight if if there was a bit of a
1:19
debacle at the Thanksgiving table.
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But we are focused on retirement.
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And maybe this is a time where you have a few days where you
1:25
can sit and relax and think about your future.
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Future. By the way, how are you?
1:29
Everything's good. Good.
1:30
I feel like I say that every time, but it is.
1:32
It is. Good, good.
1:33
That's good. So Dan, we are focused on
1:36
winning the fight. What does that mean when we're
1:38
headed into retirement? Yeah, I think winning the fight
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for me when it comes to retirement is trying to
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accomplish all the things that you wanted to accomplish to make
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sure that you're comfortable in retirement, whether that's your
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financial picture, whether that's tidying up all of the
1:55
potential health issues, whether it's health insurance and
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depending on when you're retiring, maybe it's some
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Medicare supplement policies. I mean, that to me is kind of
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winning the fight is like being able to take a deep breath and
2:05
say I've arrived, I've made it. And a lot of folks you work
2:10
with, some of your clients, they're probably looking to this
2:14
time of year when they want to buy Christmas presents for
2:16
grandkids or loved ones. And some folks maybe don't
2:19
really need to budget for that, but some might be thinking about
2:21
some of those bigger trips that we've mentioned in other
2:24
podcasts. How do you work with folks to
2:27
help them feel comfortable in doing that this time of year?
2:31
Yeah. I mean, this is notoriously a
2:33
very expensive time of year and it's maybe a little bit
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different for different people. You know, I think retirees, you
2:39
know, they go through that accumulation phase and, you
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know, they've built up the nest egg and now it's our job to help
2:45
them on distribution strategies. But I think about younger
2:49
families and I think about back, you know, 30 years ago when my
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kids were younger or 20 years ago, I should say, and it was a
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strain. So, so you're right.
2:58
I mean, it's not just the Thanksgiving, but it's the
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traveling and it's the Christmas gifts and it's all of that that
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that rolls into that and it's. Looking at your Tupperware and
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seeing if you have enough money in each bucket.
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Good memory, Campy. That's a great, great call.
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So the, the thing that we do notice though, is when it comes
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to this time of year where Thanksgiving rolls around and we
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start thinking about families and traditions and, and things
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like that, most of our clients have children that are not only
3:26
adult children, but possibly grandchildren.
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And it's just funny how things kind of shift and they reverse
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because a lot of clients at ours that our grandparents, I would
3:37
never call anybody out on this, but they definitely want to
3:40
spoil their grandchildren. And so, yeah, there is, there
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is, you know, we'll get the phone call that says, you know
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what, we're going to, we're going to take $10,000 out of our
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account because we want to buy gifts.
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Or more importantly, we just had a client in last week, she took
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her three daughters and spouses and I think 8 grandchildren and
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they went down to Disney. And so it's a big number.
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And I think often times when we, we enter into Thanksgiving
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things, you know, we, we reflect on things that we're thankful
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for and that kind of trigger some things.
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And then Christmas and Christmas, often times we find
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too, that if they're going to gift money to family members, be
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it, you know, their own kids or grandchildren, Christmas time
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tends to be the time that we're going to gift away.
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So yeah, you're right. Yeah, you're not prepared for
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this question, but I'm going to ask it anyway.
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I mean, you're always. Prepared, but you're always good
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at that. I do that quite often when we
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look at giving money. How do you advise your clients
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if they want to give their grandkid, maybe each grandkid
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$500 in a check form or what if they want to instead do the you
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know, the present being a, a gift to Disney or things like
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that? Do you advise one way or another
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and how they give out the money? Is there benefits one way or
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another? You're right, I wasn't prepared
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for that question, which which is fine.
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You know answers, you know what I'm saying?
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Like, are there financial benefits, tax benefits one way
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or another? Yeah, there there really is no
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tax benefits. I mean, let's just talk about
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the law. First of all, any person,
5:17
including you and myself, your parents, anybody can give away
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up to $19,000 to anyone individual with no gift tax.
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So if your mom or dad had $19,000 and they wanted to give
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it to you, they wanted to give it to and your sister and your
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two brothers and so forth, there is no tax consequence for them
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doing that. Now they don't get a deduction
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for it, but in essence they're transferring money from
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themselves to you. I wasn't necessarily prepared to
5:51
go into this discussion. That's actually what I was
5:53
interested in. That part right there is
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information enough just for my knowledge and maybe for others
5:57
who didn't know that. But I do want to say this
5:59
because I think it may be fitting this time of year.
6:01
And, and actually that's one of the things I, I do appreciate
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about you as you do come up with these questions that I have no
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idea. But it's very timely because
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this is the time of year where people start thinking about
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these things. So yes, any individual can give
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$19,000 to any person that they want to.
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So if you've got three other siblings, there's a total of
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four of you, your mom can give each one of you $19,000 and your
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dad can give each one of you 19,000.
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So combined, each child could get 38,000.
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And if it's important and if their kid is married, they can
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give it to their spouses if they so choose.
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So the main reason to gift money is is to reduce the overall
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value of what we call the estate, all of the assets
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combined. And what they're trying to do is
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reduce or eliminate a state tax. This episode is not about a
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state tax and the limits and everything else in the state of
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Minnesota. We do have an estate tax, most
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states do not. But then there's also you have
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to have quite a large net worth to get into the federal estate
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tax. But at the end of the day, the
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gifting is really about reducing the estate.
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Now I never did answer your question.
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Is it better to give a check for $500 or take them to Disney?
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There is no benefit tax wise. The benefit is what's important
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to you because we see both, quite frankly, you know what my
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granddaughter really needs money for?
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For tuition or books. So I'm going to give her $1000.
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Other people say I'm more interested in experiencing
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things with my children and or grandchildren.
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So 1 is I want to help you out and the other is I want to have
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an experience with you. And so there's not really a
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right or wrong answer. There's no benefit tax wise, and
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there's no reason you couldn't do both for that matter too.
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But generally speaking, the biggest benefit of gifting money
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is to reduce the overall estate. Yeah, and, and I want to just
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say one last thing, Cammy. I know you were going to start
8:04
talking about something else, but it just popped into my head.
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What we are finding, and I don't know if I can lump this into a
8:10
COVID situation or not, but what we find is a lot of parents that
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have that have accumulated some, some nice net worth have said.
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And I probably heard it more in the last five years than I did
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the previous 20 years. And that is, I'd rather see my
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kids enjoy it than to enjoy it when I'm gone.
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Yeah, and I think about that and I, I literally get goosebumps
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thinking about that because, you know, my kids are 3028 and 25.
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But generally speaking, we're talking about kids sometimes
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that are in their 30s and 40s and their parents might be in
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their 60s and 70s. So maybe a decade older than I
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am. But it becomes sentimental to
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them. And it's like, I don't want to
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leave my kids a bunch of money when I just as soon see them.
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Enjoy. I'd like to see them trade in
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that ratty old van and drive something that's something
9:00
reliable or whatever it might be, but I just want to mention
9:03
that that. That's interesting, though, that
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you've been hearing more of that, a bit of a shift in a
9:06
mindset across the board for folks, it seems, because I mean,
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I work in the news industry, so I hear a lot of times of oh, so
9:13
and so passed away and she left $20 million to the University of
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Minnesota because she had that money.
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And, you know, now she's gone. And we've read a lot of those
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stories in past years, but maybe a little bit of a shift for
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folks. I think it's a big shift and you
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know, your parents are very similar to my age, but it's my
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parents age that was completely different, which would be
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basically your grandparents age. Like my mom and dad never talked
9:40
about finances. That was like taboo.
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You don't talk about finances. Don't ever tell anybody what
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kind of income you make, net worth, Don't tell them what you
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paid for the house. And I'm not saying people are
9:50
completely open, but it's not uncommon for me to be on an
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airplane and next thing you know, within 10 minutes,
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somebody's telling me how much money they make and what they
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do. I'm like, wow.
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But it has shifted. We're now, I think that
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generation that's in their 60s and 70s there may be a little
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bit more eager to help out the kids and grandkids.
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So it is a little bit of a shift, yeah.
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Great, very interesting. Oh, thanks.
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I like to blind side you, but hey, you always have an answer.
10:15
And look, I learned a lot there. Let's talk about retirement and
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complacency in it. This could apply to anyone that
10:21
is of any age, but when we look at that retirement age, do you
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see a lot of complacent folks? Or if you do see someone
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battling complacency, how do we get out of that?
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Unfortunately, I would say the majority people are complacent.
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And I think what can happen is they've been on this grind for
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so many years. And I know I talked about this
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early, early, early on, and this is just my opinion on what I've
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seen happen over all the years is that when people and I talk
10:54
about it in the book, when people graduate, be at high
10:58
school, college and they get their job and then they settle
11:00
down and maybe get married and have some kids.
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The resources are tight. And so it isn't until typically
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the kids or part of the kids have left the house.
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Then that's when we see typically in their 50s where
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they're maxing out their four O 1 KS OR40 3BS or whatever it
11:17
might be. And they just save, save, save.
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And then they get to a certain age where they're ready to
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retire be at 6265 or whatever. And they've done a great job at
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accumulating, but they've never been able to spend it or they've
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never known how to spend is probably better phrase.
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And so it becomes a challenge. And we help people encouraging
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them to spend. And we do that through all these
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plans and everything else. But once people feel like
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they've made it, I think that's where this word complacency
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comes in. And it's like, I've kind of done
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everything, Cammy. I don't really, you know, I
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don't really have to push myself anymore.
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I don't have to get up at 6:00 in the morning and, you know,
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get ready for work and grind at work.
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And so it's almost like what I've witnessed is when people do
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retire, it's kind of like they're just taking a deep
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breath. And they're like, finally I can
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catch my breath and do the things I want to do.
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And, you know, TV becomes a bigger and bigger part of their
12:16
daily routine. And so one of the phrases I've
12:20
I've used, and I've lived this way myself personally, and this
12:23
comes from, I won't take credit for it.
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It's a Dan Sullivan from strategic coach, which is a
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coaching program that I've been part of for eight years.
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I go to Chicago every quarter for this.
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But his phrase is and, and when you really think about this
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quote, it makes so much sense, especially for people that are
12:40
retired. And that phrase is always make
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your future bigger than your past.
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So no matter what you do, you know, like at your young age,
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you have this future. You're looking out five years
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from now, 10 years from now, and I'm assuming that future looks
12:56
bigger than it is in 2025. I don't know what that is and
12:59
maybe you haven't articulated at all, But what happens is when
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you're 65 years old, that was your identity.
13:06
That's who you were. And you, you know, you mentioned
13:08
it last episode. You maybe were a big deal when
13:11
you worked. And guess what?
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Now you might be part time babysitter to your grandson.
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I mean, I don't know. And you don't have the level of
13:20
respect that you did with your peers or colleagues or whatever
13:23
it might be. And that's what we try to
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encourage people is I don't care what age you are, if you're 75
13:29
years old or if you're 65 years old or if you're 35 years old,
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figure out what that bigger future looks like and dial into
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that. Lean into that, whatever that
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might look like. Yeah, that's so important
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because really ultimately your present and your future, that's
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all we have. We have memories, but you know,
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we have, we have our now. What daily habits do you
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encourage people to look into or to try to avoid the complacency
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but also look to their future and and make that future
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brighter? I think you need to break it up
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into a few categories. And I think, you know, again, we
14:01
touched briefly on the last time and a little bit here, but
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health to me is the number one thing.
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I mean, if you've met with an advisor and you feel comfortable
14:11
that your finances are dialed in and you've got the plan and
14:13
everything, that's wonderful. But then to me, it's health
14:19
because, you know, I hate the phrase, but it's very, very
14:23
corny. And I think there is some truth
14:24
to it. You don't want to be the richest
14:25
person in the graveyard. It's just doesn't matter what
14:28
you've accumulated if you don't have your health.
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And so I think first and foremost, dedicate time to
14:34
health. And again, I keep referring to
14:36
structure, whether that's joining a fitness club and going
14:40
there every morning at 7:00 when you're retired, who knows, maybe
14:43
that's where you meet a lot of good connections.
14:45
But I think health is definitely important.
14:48
Touched on the the Ted talk with the Harvard study.
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Relationships are huge. I didn't even know this until a
14:54
month ago. There's actual so online sites
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where you can connect and meet people, like dating sites, but
15:03
it's just friends, which I never knew existed.
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And I'd met someone the other day that was telling me about
15:08
this and they have like 4 or five friends that they had met
15:13
on one of these sites. And what was interesting is from
15:16
the four or five people that they met with from this site,
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that's now ballooned out into like 15 because they knew 3 or 4
15:24
people. And so the relationships, I
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think again, it's about being intentional.
15:28
I mean, it's easy not to do it. Just say no, I'm just going to
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hang out with my high school friends or, you know,
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periodically. I get together once a month with
15:36
my former Co workers and we have a cup of coffee.
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But it's about being intentional.
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So daily routine, I would say health is definitely, it's got
15:44
to be up there. I think relationships has to be
15:47
up there. And then discovering what your
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why is, what your purpose is. And I know it seems so corny
15:53
when we talk about find something that's inspiring,
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whether it's a cooking or gourmet cooking classes or
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traveling and hiking, whatever's important.
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But it's almost like you need to give yourself permission to say,
16:06
you know what, it's OK, just try it.
16:08
Yeah, nothing, Nothing bad can happen.
16:11
You might embarrass yourself if you're not, you know, the best
16:14
at, you know, mountain biking or hiking or whatever it might be.
16:18
But this is the time. And I've said it before, and I'm
16:21
going to just say it very bluntly here, when people
16:24
approach retirement, everybody has come through different
16:26
situations. Some people have had multiple
16:28
jobs. Some people have gone through
16:29
real challenges. Maybe it's family difficulties,
16:31
health, all these things, but when you retire, in my opinion,
16:35
this is the time where you literally can be as selfish as
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you want to be. And I hate to say you deserve
16:41
it, but when you're retired, you do deserve it.
16:44
You've paid your dues, yeah. And it does not matter what
16:47
other people think at all. It really doesn't.
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And we do live in such a fortune.
16:51
We're very fortunate in 2025 heading into 2026.
16:54
We have the technology. We have fun ways to exercise.
16:58
If you don't, if you think of, you know, physical health and
17:01
exercising as something that's not enjoyable, there are so many
17:04
options out there. You can turn on YouTube and find
17:06
any exercise you can do, or there's multiple fitness clubs
17:10
where you can do more than just lift weights and watch walk
17:13
around. You know, there's pickleball
17:15
that is so popular. Do you play pivotal ball?
17:17
I played it a couple times and I haven't.
17:20
And are you too? Competitive for it or what?
17:21
No, no, I haven't entered the arena where I would call myself
17:24
a pickleball player. I've just played it a couple
17:25
times. Sure, sure.
17:26
But it is so popular and it's fun and it's a way to connect
17:29
with people and get that physical aspect out of the way
17:32
as well. OK.
17:33
Are you saying you do play? Pickle No, I don't.
17:35
But I, I like pickleball, but I, I just don't, I should, it
17:39
should be my offseason from golf pickleball because there's some
17:43
indoor places in town. I feel like we touched on this
17:48
many, many episodes ago, but cultish isn't the right word.
17:54
But there's many, many memes about people in pickleball.
17:57
Oh, it is. But like, like, we have a gal.
18:00
This is our studio. We built this out six months
18:03
ago. We hired an interior designer.
18:06
She is off the charts unbelievable at what she does.
18:09
Unbelievable. No, no design.
18:11
Yes, she is. And, and so I find out she does
18:16
pickleball and she's like my age, late 50s.
18:19
And I said, oh, so you do pickleball?
18:21
And she's like, love it. Oh my gosh, I love it.
18:24
And I'm like, so how often? And she says 4, sometimes five
18:28
days, She does pickleball with her girlfriends, her and her
18:32
husband do with other couples. And she literally said, you
18:35
know, my mood changes. Like if we have a match lined up
18:38
and somebody doesn't show up and we can't play, I'm kind of
18:41
grumpy. So again, I don't want to say
18:43
it's cultish. It changes people.
18:45
It, it, it, it's, it's such a, and I'm just speaking
18:48
vicariously through the people I talked to, but pickleball is
18:51
such a movement and it's just, I've never seen anything like
18:54
it. It is so incredible.
18:56
And I think of the positive impact it's had on people like
18:59
my age that maybe weren't as active.
19:03
It's a beautiful thing, even though I don't play it.
19:05
Yeah, and it's something where you don't need to be good at
19:07
pickleball. They're pretty inviting.
19:09
There's some stricter people that know the rules.
19:11
As long as you know the rules, you'd be in the club.
19:14
That's that's kind of what I've noticed.
19:16
You mentioned something when we were talking a few minutes ago
19:19
about TV becoming an important role for people.
19:22
This is really, this is just an opinion that I thought of.
19:25
What do you think it's going to be like when 20 year olds are
19:29
80? They barely watch TV.
19:31
They're on their phones. Technology is going to change,
19:33
change this world. I mean, it already is.
19:36
Like this is. I was just thinking of that.
19:38
I'm like, yeah, people watch TV now, but like 20 year olds when
19:41
they retire, who knows? So I don't know if you were
19:46
asking me the question. I just just thinking, sure,
19:48
yeah. What are your thoughts?
19:50
Because I'm going to do a 180, I'm, I can't even envision 20
19:55
year olds. I mean, you're a long ways away
19:57
from 20, but you're closer to the 20 than I am.
19:59
So I'm going to reverse the question.
20:00
What do you think 20 year olds will be doing at 80?
20:02
I don't think we know because I think technology will be so
20:05
advanced because right now 20 year olds are on your TikTok and
20:09
your Instagram and probably other apps that I've never heard
20:11
of Discord. I don't know what the future is
20:14
going to look like with them because I think TV's definitely
20:18
shifting to your phone. And interestingly enough, that's
20:23
your livelihood. My career.
20:25
That is your career. But I can shift to podcasting on
20:28
YouTube. I am going to make one.
20:31
I'm going to make one comment that I found interesting.
20:33
My son brought this to my attention.
20:35
We talked a month ago. I mean, we talked many, many
20:37
times, but a month ago, he brought this to my attention.
20:40
He said, how many books have you sold?
20:42
So the retire and thrive book labor of love, hundreds and
20:46
hundreds of hours into this thing.
20:47
And I don't remember the number. I told him 102 hundred books or
20:51
whatever. And when we did this podcast, we
20:54
were on episode, I don't even know Cammy 10 or 12 or whatever
20:58
it might be. And he said, how many
21:00
subscribers do you have on your podcast?
21:02
And I said couple thousand maybe.
21:06
And he said, isn't that interesting?
21:07
How much time do you suppose you've spent on the podcast?
21:09
I said, well, Cammy and I come in every week and, you know, we
21:12
spend half an hour kind of talking about what we're going
21:14
to do, and half an hour shoots maybe an hour a week.
21:17
And he said, so you tell me you got 12 hours wrapped into these
21:19
podcasts and you've got hundreds of hours in the book and your
21:22
impact on people on the podcast is 500 times greater in terms of
21:28
your broad reach. And I'm like, wow, I never
21:31
thought of it from that perspective, but he's right.
21:33
I mean, he's totally right. The the digital side of things.
21:36
I mean, people like to view things more than they
21:40
necessarily like to read. And I don't know if it's a
21:42
generational thing, but I think it's the ease of use and.
21:45
Oh, and it's the attention spans, yeah.
21:47
So I'm just going to kind of go back to you and say, you know,
21:55
we could probably do a series on podcasts on AI.
21:58
You talk about technology and how technology's evolving.
22:01
And today's not that episode because we're kind of wrapping
22:04
up this book. And so we're wrapping up this
22:07
whole thing about retirement and and living that life of purpose
22:11
since this is kind of the final episode.
22:13
But what I have found with AI, because I've embraced it and
22:16
I've used it a lot and as a firm where we've started to use it
22:20
more and more also. But I am curious because I find
22:24
people are in one of two camps. They're either deathly afraid of
22:27
it, yeah, or they embrace it. Or maybe the third campus, they
22:30
bury their head and say, yeah, whatever.
22:32
What's your take on it? I mean, I'm the third, whatever.
22:35
I mean, I've used it, I've looked into it a little bit, but
22:39
I'm not like, oh, like I know you're like, oh, I have a party
22:43
coming up. I'm going to use AI to plan it.
22:45
I don't necessarily think that way, but because of you, I do
22:48
now because I'm like, oh, I could just look into or if I
22:51
want to go on, if I want to take a flight somewhere, I'll type
22:54
into AI. Hey, out of Minneapolis On this
22:58
date, what are your cheapest flights to wherever?
23:01
Or if there is a, if I don't have a destination in mind, I
23:04
just want to go somewhere warm, you know, that's an option.
23:07
So I don't really utilize it in a business side of things
23:10
because I feel ethically not fully if I'm on board with it,
23:14
because I would like the, the news to be generated from what
23:18
I've received, you know, from law enforcement, whatever.
23:22
But yeah, it's I'm kind of just like whatever at.
23:26
This point, I think there's so many applications and it's so
23:31
broad, but I've used it before literally where I've said, you
23:36
know what, I'm going to go this week on a little bit more of a
23:38
keto type diet or consumption and I literally can go into AI
23:43
and say create 7 meals for me, just lunches.
23:47
I want no more than 70 grams of carbs and exclude tomatoes or
23:54
whatever and create basically a meal plan for me.
23:58
It'll generate a meal plan. And then I will say give me the
24:01
specific recipes tied to each one and Cami, we're talking 2 to
24:05
3 minutes and it's done. And so there are some things and
24:09
I think that's falls more into the lifestyle category.
24:12
Yes. And, and I'll just say this to
24:15
the audience, I mean, this is not where I thought this
24:17
conversation was going to go, but if this is a topic of
24:20
interest, we could do a very brief 2 to 3 Series on how to
24:25
use AI to maybe enhance your. Life because it can help with
24:28
your complacency or if you don't know how to get started with
24:31
your physical fitness or your mental health, it can help in so
24:34
many ways. And that is where the not being
24:37
scared comes into play because it can be terrifying, but it's
24:41
quite simple. Someone over here is utilizing
24:44
it a bunch. So it is quite simple in some
24:46
regard. If you're just on the surface
24:48
level using it, trying it out, it's really not that difficult.
24:51
And it could be something that could benefit our viewers,
24:54
anyone in retirement, anyone of any age.
24:56
But especially if you're in retirement and looking at that
24:59
big picture and that future and thinking, well, how can I make
25:02
some changes in my life? Well, your friend AI might be
25:05
able to help you. And, and again, if, if you
25:08
comment on the on this podcast that you want us to, to pursue
25:13
that, again, I would just make the comment that this was not
25:17
even intended. Talk about AI on this podcast,
25:20
but but you won't wreck it. And that was that's the biggest
25:23
hurdles. People like, I don't want to
25:24
type in the wrong thing and say the wrong thing.
25:26
It's your tool. You can use it how you want to.
25:29
But if we get enough interest, we should do a two to three-part
25:33
series on create. I mean, what you just said is so
25:35
spot on. I mean, it can create an entire
25:37
fitness thing. I mean, I just tell it how old I
25:39
am, what I'm trying to accomplish, and it'll design a
25:41
plan for. Us and if it doesn't work for
25:43
you, you just say that doesn't really work for me.
25:45
Let's try something else. It will help you with that too.
25:48
Anything else? We are wrapping up here with our
25:51
series on the book. We've covered a lot here.
25:54
This is episode 24 right after Thanksgiving.
25:56
We wrapped up here and we're headed into a whole another.
26:01
We don't fully know where we want to go.
26:03
Let us know if you have anything that you'd really like us to
26:05
touch on. If there's something that's
26:07
really top of mind for you that you're worried about or that
26:10
maybe you need a few more pieces of information on, we can touch
26:14
on it. I don't know if we'll go this
26:16
route, we'll talk about it maybe later today or or sometime this
26:20
week before we air our next episode, but this is our last
26:22
episode as it pertains to the book.
26:24
Part of me feels like it might be fun to just do a very short,
26:28
maybe 3 episodes kind of recapping everything because you
26:33
may, we may have viewers that tuned into episode 15 and they
26:37
didn't tune into anything for another 6 or 7 episodes.
26:40
And we could maybe do like a three-part series.
26:42
We just kind of recap all of these 24 episodes we've done.
26:46
So that's an option. That's a good idea too.
26:47
And to recap some of the points that we could tell that people
26:50
were fully interested in and also Social Security was big
26:52
one. We talked on it quite a bit, but
26:55
people have a lot of interest in that because I think there is a
26:57
fair amount of confusion out there when it does come to
27:00
grabbing those benefits and when you should do so.
27:02
Anything else you'd like to touch on Dan, when it comes to,
27:05
you know, finding your why or your purpose as you do head into
27:09
retirement? I think the last thing I would
27:11
say to the viewers, specifically those that are retiring, is that
27:17
I wouldn't view retirement as a chapter that's ending.
27:22
It's really about the beginning. It's all about the new, and this
27:27
is the stage where you really can embrace life.
27:30
Give yourself permission to step outside that comfort zone, do
27:34
the things that maybe you weren't quite as comfortable
27:36
doing, and regardless of what that might look like.
27:40
But this is not the end. I would view it literally as
27:43
this is the beginning, this is what you have worked for, so
27:46
embrace it. Yeah, yeah, every day is a new
27:49
beginning to the start of your future.
27:51
And if you are concerned or stressed out about something
27:55
when it comes to retirement, don't be scared to ask questions
27:58
to someone. Reach out because there are
28:00
always people out there to help you.
28:02
Whether it's a physical person or if it's AI generated, it can,
28:06
it can assist as well. Thank you so much for joining
28:08
us. We hope that you had a great
28:10
Thanksgiving and you're not spending too much time
28:12
decorating for Christmas and shopping here on this Black
28:15
Friday. That's something that's changed
28:16
as well. Black Friday is not at all what
28:18
it used to be. It is online.
28:20
It is a few months in advance, weeks in advance, but we're
28:24
definitely seeing some changes when it comes to really
28:26
everything in this world. But we appreciate you joining
28:28
us. Subscribe, click the subscribe.
28:30
You can follow us wherever you get your podcast.
28:33
We appreciate you listening and joining along with us on this
28:36
journey and we will be back next week with a new episode.
28:40
Have a great day. Fortress Financial Group, LLC is
28:43
a registered investment advisor. Advisory services are only
28:46
offered to clients or prospective clients where
28:48
Fortress and its representatives are properly licensed or exempt
28:51
for licensure. The opinions voiced in this
28:53
material are for general information only and are not
28:55
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29:01
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