cover of episode Two (Real Life) Retirement Planning Case Studies

Two (Real Life) Retirement Planning Case Studies

2023/3/22
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Stay Wealthy Retirement Podcast
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People
J
Joe Saul-Sehy
以幽默和亲和力的风格传播个人财务知识的播客主持人和个人财务专家。
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: 本书通过真实案例，展现了专业理财规划的价值，强调个性化方案的重要性，以及在面对不可预测的未来风险时，优化当前财务状况以增强抵御能力的重要性。他认为，理财规划不仅仅是投资和理财产品，更重要的是帮助客户实现其生活目标，例如让工作成为可选的，并通过与客户深入沟通，了解其财务状况和目标，制定个性化方案，而不是简单地提供产品或建议。他还强调了夫妻双方共同参与理财规划的重要性，以及定期沟通和评估的重要性。 Joe Saul-Sehy: 他认同Taylor Schulte的观点，并补充说明了人们常常高估自己独立管理财务的能力，以及寻求专业帮助可以带来的效率提升。他认为，财务顾问的角色更像是问责伙伴，帮助客户保持行动并实现目标，而不是完全替客户做决定。他还强调了在选择财务顾问时，应关注其流程而非产品，以及了解客户的目标和价值观的重要性。 Joe Saul-Sehy: 他分享了两个案例，一个关于一对高收入夫妇如何通过理财规划实现财务自由，另一个关于一位丧偶的女性如何通过专业理财规划师的帮助，重新规划生活，并解决财务问题。他认为，这本书提供了各种不同的财务规划案例，展示了实现财务目标的多种途径，并强调了专业理财规划师的重要性，以及在选择理财规划师时，应关注其是否能够真正理解客户的需求和目标。

Deep Dive

Chapters
Taylor and Joe discuss the concept of 'making work optional' and how it empowers individuals to make informed decisions about their professional lives.

Shownotes Transcript

**** More Than Money is officially out! Click here to grab your copy now). ****

*(All net proceeds being donated to non-profit organizations dedicated to improving financial literacy and diversity in the profession.) *

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Today I’m sharing my recent conversation with Joe Saul-Sehy from Stacking Benjamins. 

Together, Joe and I break down two real-life case studies from my (just released!) book, More Than Money.

We cover:

  • Why the "making work optional" exercise is so empowering 
  • How to have constructive money conversations
  • How a widow overcame the newfound challenge of managing the finances

We also talk about retirement planning misconceptions, how my wife and I track our expenses (😲), and more!

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