cover of episode Why You Are (Probably) Planning for the Wrong Things in Retirement

Why You Are (Probably) Planning for the Wrong Things in Retirement

2024/11/7
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Stay Wealthy Retirement Podcast
AI Deep Dive AI Chapters Transcript
People
D
Dr. Daniel Crosby
行为金融专家和心理学家，专注于退休规划和幸福感的提升。
T
Taylor Schulte
创立Stay Wealthy和Define Financial，专注于无佣金退休规划和财务教育。
Topics
Taylor Schulte 提出了一个普遍的观点，即年收入超过 7.5 万美元后，金钱对幸福感的提升作用有限。Dr. Daniel Crosby 则认为，金钱与幸福感的关系并非如此简单。虽然金钱可以帮助人们摆脱贫困和痛苦，满足基本生活需求，但真正的幸福感还受到其他因素的影响，例如基因、个人选择、生活方式等等。研究表明，对于一部分人来说，收入的增加确实可以提升幸福感，甚至在超过一定阈值后，幸福感会加速增长。然而，也有一部分人并不受金钱对幸福感的影响。因此，金钱与幸福感的关系并非简单的线性关系，需要更全面地看待。

Deep Dive

Chapters
Dr. Daniel Crosby discusses why income above $75,000 per year can actually make us happier, contrary to popular research, and how happiness is measured differently.
  • Happiness is not flat-lined after $100,000 per year for some people.
  • Money buys the absence of misery and can accelerate happiness for a third of people.
  • 15% of people are immune to the effects of money on happiness.

Shownotes Transcript

Why are most people planning for the wrong things in retirement?

What should they be planning for that they’re not?

To help answer these important questions, Psychologist & Behavioral Finance Expert Dr. Daniel Crosby stops by to discuss:

➤ What our happiness is determined by

➤ Why (contrary to popular research) more money can ACTUALLY make us happier

➤ What is the “PERMA model” and how can we use it to improve retirement success

We also discuss why retirees are more depressed than everyone else and what they can do to mitigate this risk.

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