High Performance Retirement: Recent Episodes
Robert Pagliarini
Successfully managing life’s most significant financial transitions. Discussing how to successfully manage the financial, tax, and psychological issues when facing life’s most important/significant financial transitions such as retirement, inheritance, business sale, and sudden wealth events.
The meteorologist predicts the weather, but the rainmaker makes the weather. The difference is everything.
There is a massive hole when it comes to retirement planning.
Don't believe me?
Try the following experiment...
Waiting, hoping, wanting, and wishing is not a winning strategy in retirement. Here's why...
When was the last time you were uncomfortable? If it's been awhile or you can't remember, here's why that's a problem.
The only time you should say these three words is if you’re skydiving and your chute isn’t prepared.
Being part of a board is not for everyone, but for the right person, it can be just what you need to add meaning and purpose to retirement.
When you hit your breaking point and realize it’s just not working, embrace your reality, take control, and use these setbacks to fuel positive change. You have the power to create the life you deserve.
The phrase "one day" is powerful and can either fuel your dreams or hold you back from achieving them. Which will you choose?
Will climbing a mountain solve all of your problems in retirement? Here's why it just might.
Facing skin cancer surgery was a wakeup call. Confronting mortality isn't easy. It’s been a process, but I’ve found that facing death can help you live more fully. Time is limited. If there is something you want to do, experience, achieve, or become, you'd better get on it...
When you think about your goals and dreams, do you think "one day"? If so, you may find that "one day" is always out of sight. Now compare that mindset of "one day" to "day one." Day one is right now. Tomorrow is nothing and today is everything. What will you start today?
How many times have you started a new hobby and then experienced the dreaded dip? You know, that lull we all go through where the thrill of rapid progress fades into that period where you struggle to make any progress.
When it feels like we're not making progress, it's helpful to know that the dip is just part of the process.
Sometimes when I'm lifting weights or on the Peloton, I find myself wishing it would be over. I have to do this class. I have to do these sets. I have to... And then, I reframe how I think. I don't have to do. I get to. How amazing is that?! It's a gift.
The reason change can happen with just a thought is because it can change how you think about yourself – your identity.
I've been here, and I'm sure you've been here too.
My hope is this lights a fire within you to do, experience, and become all you can while you are still healthy and able.
If you are waiting for the "right time" or to "be ready" to step outside of your comfort zone, go on adventures, meet new people, or upgrade your health, I want to encourage you to think differently. You have less time than you think.
Your whole life you've needed permission, but in retirement, there is no gatekeeper, application, or waiting. What will you do with this freedom?
Why is it we must age gracefully? What I hear is slow down and accept your limitations, but you don't have to comply with this narrative. Why not live boldly?
I'm considering a new idea: Retirement Advisory Board. Just like how start-ups benefit from advisors, imagine a small group of retirees inspiring and guiding each other. As part of the Badass Retirement Community, I'm planning to form small advisory groups. Join me or start your own!
Rather than dwelling on the finality of life, celebrate the experiences, challenges, and growth that shape our paths. Each step, no matter how small, contributes to the remarkable story of our lives.
Go to a nursing home & ask any resident what they would do if they could turn back the clock. They would passionately tell you all the things they would do with their second chance. This is your time to do, experience & become all that you want. What will you do?
Need a retirement life hack? Here's a simple trick that'll help you stay motivated and achieve more in your retirement.
Average Retirement promises relaxation, but it can also stir feelings of irrelevance for some. How can you find more meaning and purpose to overcome these feelings of irrelevance in your retirement?
Retirement has become synonymous with safety -- a cozy space where comfort reigns supreme. But true fulfillment lies beyond our comfort zones. It's time to shed the safety net in retirement!
It's popular to be offended by anything and everything. But if you really want to be offended at something, be offended at the culture that thinks you (yes you!) are over the hill.
Common wisdom often advocates for setting small, achievable goals. This way you can easily reach them and feel good... what a load of BS!
There is too much to do and not enough time... and then, you retire.
How can you ease into this transition, from feeling overwhelmed by work, to feeling underwhelmed in retirement?
If you don't fill your retirement with challenges, adventures, and new pursuits, your days, weeks, and months will bleed into each other into one big blur. How can you stop the bleeding?
If you aren't living your life in retirement, you're living someone else's. The only thing that matters now is to get clear on what you want for your retirement.
It's time to dig deep.
This exercise might feel uncomfortable and maybe even a little painful, but it’s also powerful.
Do you want to know what’s hard? Finishing.
Do you want to know what’s just as hard? Starting.
Finishing takes dedication, perseverance, and grit, but starting takes courage.
It's time to start celebrating those who start.
20 years from now, what would you say to your 20-year younger self? Would you tell yourself to take it easy? To aim a little lower? Think about it...
After months of hard work and anticipation, my book, "Badass Retirement: Shatter the Retirement Myth and Live With More Meaning, Money, and Adventure" is now available. It's time for you to embark on a journey that will revolutionize your retirement!
What's the top fear in retirement? The haunting fear of running out of money.
Don't let your financial worries steal the spotlight from your well-deserved retirement. Here are tips to help you conquer your fear and live with financial confidence and freedom in retirement.
The things you do today to make yourself comfortable will actually lead to discomfort and unhappiness in the future. Learn why in this episode.
Nobody hopes for average, so why would you want to live an Average Retirement? If you’re seeking more meaning, fulfillment, money, and adventure, why not seek out a Badass Retirement?
Act your age? Look around at most people living an Average Retirement. Why in the hell would you want to act your age?
They say 60 is the new 40, but it could also be the new 80. Confused? Here's how that's possible...
Not everyone will agree with the approach to living a Badass Retirement. What’s important is that if you find yourself struggling because of health issues, loneliness, losing a loved one, or lacking purpose, push yourself to “do more.” Learn why in this episode.
In the battlefield of life, your armor may be strong, but it's important to acknowledge that even the "healthiest" warriors have their weak spots. Find the holes in your armor, and take proactive steps to strengthen areas where you may be vulnerable.
Whether or not you believe in god, why waste the life you've been given? You are here for a reason.
While the default is to degrade your health as you age, is it actually possible to upgrade your health in retirement?
If you're feeling underwhelmed by your retirement, it's never too late to make a change, step up, shift your mindset, and do things differently. Don't let your last chance pass you by!
Nietzsche wrote, “That which does not kill us makes us stronger”... but you and I both know that’s not always true. Despite the hardships, is it possible to experience growth in the aftermath of trauma?
One of the biggest fears in retirement is running out of money. Here's how you can replace your paycheck from work with a lifetime retirement income and live with financial security, confidence, and freedom.
Our bodies are made up of a mind-boggling 37 trillion cells, meaning that what works for one person may not work for you. You are the ultimate experiment (N = 1), when it comes to optimizing your health and well-being. Don't blindly follow trends or rely solely on external advice.
Despite your best efforts, growing older can be depressing. Even though bad things will happen, reframe your thinking and let it light a fire within you to do, experience, and achieve more!
Upgrading your weekly routine with this simple activity has the power to increase your life expectancy.
AI is not a fad, and though some view it as a threat, it can have positive benefits for your retirement. Here are 20 ways AI can improve your life in retirement.
There are 1,440 minutes in a day, and most of us spend all of those 1,440 minutes doing everything we can to be comfortable. What if you invested just 14 minutes (or 1% of your day) trying something new and stepping out of your comfort zone?
Patience is portrayed as a virtual, but too many of us use it as a crutch. Success doesn't come to those who wait.
For 40+ years you've been reasonable. Isn't it time to flip the script and become a little rebellious, dream bigger, and aim higher? If not now, when?
We all just want to feel a sense of belonging and connection, but many retirees struggle to meet new people or make friends. If you fear you may be lonely in retirement, here are 20 ways you can be proactive and forge new friendships.
Create challenge in your life in retirement. Channel your inner Sisyphus, find your boulder, and push it every day.
This is an outdated view of how we age. It's time to rise up and redefine what it means to have a Badass Retirement.
Stop focusing on all the things you don't have control over. True power lies in your ability to focus on what you have the ability to influence, manage, and take control!
Find solace in the fact that the minute you decide you want something different, you'll put yourself on a brand new path.
The biggest mistake I've seen retirees make is that they aim far too low, experience far too little, and never come close to reaching their full potential. It's time to clock in!
Your entire adult life, you've been told to delay gratification. Here's why that advice is an absolute disaster in retirement.
Easy is not the same as fulfilled. If you're seeking a relaxed utopia (like the people from the movie), you might find that making your life too easy may lead to emptiness and feeling like you're lacking purpose.
Even though the media and our culture support the idea of a life that's comfortable and free of challenge, are we really that fragile and sensitive? You were born to do more!
Despite the many things out of your control, here's where you can make an impact and take control in your retirement.
Don't let society dictate who you should be in retirement. When you go against cultural norms and pursue a Badass Retirement, society isn't going to understand -- and that's okay!
Does the thought of losing your edge and your zest for living in retirement keep you up at night? Good -- it should! But don't worry. You are not alone in this, despite how it might feel.
This opportunity is your chance to radically improve every day of the rest of your life.
While retirement is the end of many things, it's not the finish line. Here's why you need to reframe how you view your retirement.
The idea that successful people should withdraw and relax once they reach retirement is absurd. Don't succumb to society's view of aging. Don't fall for the Retirement Myth.
If you don't want to settle down, kick back, or relax, then you likely view Average Retirement as the villain. Here's why!
There are two very different outcomes in retirement. One is predictable, boring, and unfulilling, and the other is Badass. Which one will you pursue?
These are two of the greatest words in the English language. Will you use them as an excuse or as an inspiration?
As if we needed even more reasons to love our furry four-legged companions, getting a dog can be a real game-changer when it comes to our relationships. Here are seven benefits of getting a dog if you're lonely (or think you might be) in retirement.
You have more time, money, and resources than you've ever had. At a time when our culture wants you to step back and slow down, rage against Average Retirement and go on adventures, pursue your dreams, and make a greater impact. This is your last shot!
Now is not the time to pull back, do less, and get comfortable. You are capable of doing even more than you ever thought possible!
It's never too late to live a Badass Retirement. Don't let the Retirement Myth and society's traditional view of aging hold you back. It's all about your mindset and choosing to seek impossible.
The rules of the game have changed. In retirement, you no longer have a boss, you're not responsible for producing results, and you're not judged for any outcome. What happens now that there's no scorecard?
While this type of investment rarely gets mentioned, it will offer your portfolio critical protection during volatile times like these.
We've witness some very strong gains in the stock market over the last few weeks – a welcomed change since the lows of March 23rd. The questions are why? and will they last?
Looking back at the past 50 years, we've seen crushing recessions, high unemployment, chaos and uncertainty, but throughout all the turbulence, the market has continued to go up. Coronavirus will be temporary, and despite the magnitude of the current health and financial crisis, remember that we will recover and prevail. In times of uncertainty, take a moment to reflect on what you're actually investing: progress and the companies and individuals striving for advancement.
Listen to today's episode to pause for a moment, reflect and regain confidence in the future of the market and your portfolio.
During turbulent times, it's unclear how bad the Coronavirus, the economy or the market will get. By implementing these tips and safeguarding your portfolio, your finances might just come out ahead.
Are you looking to move to a lower income tax state in preparation for retirement? Today, we'll cover the main rules and guidelines so that you don't end up paying twice in case of an audit!
What happens if the market is volatile when you retire? Today's podcast episode discusses a major problem with the 4% rule that all retirement savers and soon-to-be retirees need to be aware of. Listen now and read my latest column on Forbes for more details on the 4% rule.
Whether you've heard about the 4% rule or simply are curious about how much you can safely withdraw from your portfolio in retirement, today's episode will help prepare you to create a retirement income plan with confidence.
There are good reasons to retire and bad reasons. In this episode I talk about a few of the most common bad reasons to go into retirement.
I’ve been working with retirees for over the last two decades. I’ve seen in the real world what leads some clients to experience more satisfaction and happiness in retirement than others. Also, in my pursuit of a PhD in retirement planning, I’ve read hundreds of research papers on retirement. In this episode of Financial Transitions, I want to share with you a couple of strategies that have been shown, in practice and in research, to increase retirement satisfaction.
Here are 10 questions (and one bonus) that you can use when you are looking for the best retirement financial advisor to guide you.
I’ve written about the merits of defined benefit pension retirement plans for small business owners – especially those with no employees or those with husband/wife employees. These savings vehicles offer an opportunity to contribute much more to your retirement than an IRA or 401(k) and can help you significantly reduce your taxes. However, there is a problem I recently discovered after reviewing several investment allocations for new clients. It surprised me at first, but it makes sense now. If you are thinking about starting a defined benefit pension retirement plan or already have one, listen to this short episode.
You wouldn’t drive your car forever with unbalanced tires, and you shouldn’t let your investments run unbalanced forever either.
Navigating one of life's most difficult transitions in today's episode. How to come out of divorce financially, emotionally and physically okay.
Looking for a brand new tax-deferred or potentially tax-free investing opportunity? My guest today, Bruce Stachenfeld calls it the 1031 on steroids.