The Downside of Working "Just One More Year"

Описание: Are you delaying retirement, working "just one more year" to feel ready? In this episode, Ari and James dive into goalpost planning—the tendency to postpone retirement over financial or emotional uncertainties. Learn how to prioritize life goals over arbitrary benchmarks, like saving $1M or following a generic 60/40 portfolio strategy.

🎙️ Highlights from the conversation:

-The emotional challenges of leaving work and finding purpose in retirement
-Why cash flow matters more than hitting a specific savings number
-Real-life example: a mid-50s teacher couple weighing part-time work, pensions, and travel
-The truth about 60/40 portfolios and inflation-proof investing

=======================
🔗 Connect with us → https://learn.rootfinancialpartners.c...

Get access to the retirement software I use and more → https://retirement-planning-academy.m...
_ _

⏱Timestamps:⏱
0:00 - Goalpost planning
3:09 - Procrastinating finding meaning
4:42 - Tradeoffs
6:43 - An example
9:20 - Initial analysis
12:48 - Roleplaying
15:09 - Use your PTO
18:01 - Allocation
20:39 - No cookie-cutter formula

--
Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.

The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.

Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements.

Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.