Retirement Answer Man

In this summer replay, Roger talks with Dr. Daniel Crosby about learning what to ignore in an age of information overload. They explore how to filter financial advice, align decisions with your values, and focus your attention on what truly matters to your finances and your life. 

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN
[00:00] Roger introduces this summer replay with Dr. Daniel Crosby and talks about his upcoming Social Security series. 
SUMMER REPLAY WITH DR DANIEL CROSBY
[02:21] Roger revisits his conversation with Dr. Daniel Crosby about filtering out the noise competing for our attention.
[09:18] Daniel explains how our spending can reveal whether our choices truly align with our stated values.
[14:03] Roger and Daniel share four questions that can help determine whether information deserves our attention.

CLOSING THOUGHTS
[31:46] Roger looks ahead to the upcoming five-week Social Security series. 

REFERENCES
The Soul of Wealth by Dr. Daniel Crosby
Deep Work by Cal Newport
The Rational Optimist by Matt Ridley
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This Summer Replay revisits Roger’s 2018 conversation with Gretchen Rubin about the Four Tendencies and how understanding your personality can help you create a retirement plan and daily life that truly fit who you are.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN
(00:00) Roger introduces this Summer Replay conversation with Gretchen Rubin about creating a retirement plan that fits your personality. 

SUMMER REPLAY: CONVERSATION WITH GRETCHEN RUBIN
(01:32) Gretchen explains the Four Tendencies and how each responds to expectations.
(08:25) Learn how working with your natural tendency can help you achieve your goals.
(09:39) Discover how the Four Tendencies can shape your transition into retirement.
(16:53) Understanding the tendencies of your spouse, family members, and coworkers can improve communication and reduce conflict.
CLOSING THOUGHTS
 (19:40) Roger shares his thoughts on relaunching YouTube in a way that fits him and the show. 
REFERENCES
Take Gretchen Rubin’s Four Tendencies Quiz
The Four Tendencies by Gretchen Rubin
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As part of Roger’s summer replay series, he revisits a conversation with Peter Lazaroff about the value of elegant simplicity in retirement investing. They discuss why more sophisticated strategies are not necessarily better, how added complexity can create unexpected risks, and why the money supporting your retirement should remain separate from any “play money” used to explore alternative investments. 

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN
(00:01) Roger introduces the benefits of simplifying your investments rather than continually adding new strategies.

RERUN: KEEPING INVESTMENTS SIMPLE WITH PETER LAZAROFF
(01:56) Roger and Peter discuss elegant simplicity, private investments, and why adding complexity to your portfolio may create more risk and work without meaningfully improving your retirement.
(20:18) As private investments become more widely available, Peter shares a framework for deciding whether an investment truly belongs in your portfolio.
(32:02) Roger and Peter discuss when added complexity may serve a purpose and why private investments should not be a core part of the strategy securing your retirement.
CLOSING THOUGHTS
(40:05) Roger connects elegant simplicity with the 80/20 rule and the theme of the upcoming Rock Retirement Club Roundup.

REFERENCES
Learn more about Peter Lazaroff
Pre-Order Peter’s New Book: The Perfect Portfolio 
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Note: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

August is encore month on the Retirement Answer Man podcast, giving Roger an opportunity to step back, reflect, and revisit some of the show's most impactful conversations. This week, he replays his discussion with Tanya Nichols on retiring single—a topic that remains just as relevant today. Together, they explore the unique planning considerations for single retirees, including building a trusted support network, preparing for future care, creating a personal board of directors, balancing flexibility with financial security, and thinking intentionally about legacy. Roger closes the episode by sharing why he's spending August slowing down, revisiting favorite books, and using writing to gain greater clarity and conviction.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN
(00:00) Roger explains why August will feature encore episodes, shares his desire to slow down and reflect, and introduces this week's replay with Tanya Nichols on retiring single.
RETIREMENT TOOLKIT FEATURING TANYA NICHOLS
(02:18) Roger and Tanya discuss the unique planning considerations for single retirees, including future care planning, building a trusted support network, creating a personal board of directors, managing a household alone, balancing flexibility with financial security, and rethinking legacy.
CLOSING THOUGHTs
(22:47) Roger reflects on why he's spending August revisiting favorite books and encourages listeners to embrace writing and reflection as tools for reconnecting with their own convictions.
REFERENCES
Retire Agile
The Gospel of Wealth by Andrew Carnegie 
Mark Troutman's Money Mind Podcast 
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Note: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

What if budgeting wasn't about restriction, but about giving every dollar a purpose? This week, Roger sits down with Jesse Mecham, founder of YNAB (You Need A Budget), to discuss the power of intentionality with money. Together, they explore how asking one simple question, "What is this money for?" can reduce financial stress, improve decision-making, and help align your spending with the life you want to create. Roger also answers listener questions on rebalancing retirement portfolios, qualified dividends, supporting adult children, calculating net worth, and whether financial planners have financial planners of their own.
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN
(00:00) Roger introduces this week's conversation on intentionality with money, previews his interview with Jesse Mecham, and shares updates on the August replay schedule and upcoming Social Security series.
RETIREMENT TOOLKIT FEATURING JESSE MECHAM
(03:06) Roger sits down with Jesse Mecham, founder of YNAB, to discuss how approaching money with intention instead of restriction can reduce financial worry and help you align your spending with what matters most. 
LISTENER QUESTIONS
(38:47) Christine asks about rebalancing her retirement portfolio.
(43:00) Peter asks about qualified and ordinary dividends.
(47:28) Paul asks about supporting adult children financially.
(56:05) Ron asks whether future taxes should be considered when calculating net worth 
(58:38) Lisa wonders whether financial planners have financial planners of their own.
SMART SPRINT
(01:01:55) Reflect on how intentional you are with your money and consider reading Jesse Mecham's book, Never Worry About Money Again, to help align your spending with the life you want to create.
CLOSING THOUGHT
(01:03:23) Roger reflects on the summer goals he set earlier in the year and encourages you to revisit your own intentions before the season ends. 
REFERENCES
Never Worry About Money Again by Jesse Mecham
YNAB (You Need A Budget)
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Note: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.