I was excited to chat once again with Behavior Gap author and financial storyteller Carl Richards about the ideas behind his brand-new book, Your Money and 101 Other Things That Matter.

Carl's famous hand-drawn sketches have helped millions simplify complex financial concepts — but beneath the simplicity lies profound wisdom about living a meaningful, values-driven life. Together, we explore how our relationship with money shapes our happiness, the tension between working hard and letting go, and why sometimes the bravest thing we can do as investors is nothing at all.

In this episode we discuss:

·      Carl's journey from financial planner to New York Times columnist and author of the beloved "Sketch Guy" series.

·      The power of simple visuals to create clarity and spark real conversations about money.

·      "Actively doing nothing" — why patient investing and staying the course is one of the hardest (and most valuable) disciplines.

·      The spending practice — connecting your money to what you truly care about, and how everyday spending can become a reflection of your values.

·      "Spend the money" — why many retirees need permission to stop deferring joy and start living now.

·      Days or decades — tuning out the noise, avoiding anxiety-driven media, and focusing on what genuinely matters in the long term.

Carl Richards is a Certified Financial Planner™, author, and creator of The Behavior Gap and The Sketch Guy column for The New York Times, where his hand-drawn sketches made complex financial ideas beautifully simple. Through his work at behaviorgap.com, Carl helps people and advisors worldwide have better conversations about money, decisions, and what truly matters most.

🙌 Connect with Carl:

📘 Buy Carl's latest book, Your Money and 101 Other Things That Matter https://amzn.to/4ojvIqO

📘📘 Place a bulk order of Carl's book and save an additional 5% by using the code YourMoney5 at checkout: https://bulkbooks.com/products/your-money-reimagining-wealth-in-simple-sketches 

🎓 The Behavior Gap website: https://behaviorgap.com/ 

Linkedin: https://www.linkedin.com/in/thinkingcarl/

X: https://x.com/behaviorgap 

Instagram: https://instagram.com/behaviorgap

Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

CONNECT WITH ME 

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448

📕 Buy my book, The Retirement Café Handbook: https://amzn.to/3ZwjIbj

👉 Get my weekly newsletter: https://bit.ly/MFPNews

👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/

👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/

⚠️ This podcast is for information and entertainment only. Nothing on this channel constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

I always love catching up with my good friend and fellow financial planner Pete Matthew—especially when we get to record it for The Retirement Café Podcast.

You may have heard Pete on the podcast before (this is his third appearance!) or seen him on his hugely popular Meaningful Money YouTube channel. We've even swapped mics—I've joined his show twice too! We both share a mission: helping people retire with clarity, confidence, and purpose.

This time, Pete's back to talk about his brand-new book The Meaningful Retirement Guide. It's packed with straightforward guidance on how to organise your finances in retirement—so you can get on with living the life you've worked hard for.

In our conversation, we cover:

• The biggest mistake people make when planning their retirement

• Why Pete has no plans to stop working—ever!

• How one man turned volunteering into a paid role that transformed his retirement plan

• The shift from saving to spending (and why it's harder than it sounds)

• What your money is really for

As always, I hope it gives you a helpful nudge toward the kind of retirement you truly want. 

For those who want to go further, Pete offers a self-paced Retirement Planning Course through his Meaningful Money Academy. The course includes video lessons, downloadable tools, access to financial planning software, and a supportive online community. Use the code PODCAST for a discount.

USEFUL LINKS

📘 Buy Pete's latest book, The Meaningful Money Retirement Guide: https://amzn.to/440BpkP 

🎓 Explore the Meaningful Money Academy: https://meaningfulacademy.com/ 

Connect with Pete:

YouTube: https://www.youtube.com/@MeaningfulMoney 

LinkedIn: https://www.linkedin.com/in/petematthew/ 

Thanks for checking out my podcast - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

CONNECT WITH ME

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 

📘 Download the first 3 chapters of The Retirement Café Handbook: 

https://keap.page/wb198/rch-download-chs-1-3-lp.html 

👉 Get my weekly newsletter: https://bit.ly/MFPnews

👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/

👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/

⚠️ This podcast is for information and entertainment only. Nothing on this channel constitutes financial advice. Please do not make any decisions based on the contents of my videos; seek professional independent financial advice first! 

Hello and welcome – today I have the pleasure of sharing a fascinating conversation I had with Professor Paul Dolan – who's maybe better known as the Professor of Happiness. 

Paul is a behavioural scientist, advisor to the government and currently Professor of Behavioural Science at the London School of Economics and Political Science. He's published 41 peer reviewed articles and been cited more than 32,000. Paul has certainly made the science of happiness his business. 

You may well have read one of his two best-selling books. The first is called 'Happiness by Design' and his most recently released book is called 'Happy Ever After', which is the focus of our conversation today.

We chat about all things related to happiness, not least how to make your retirement years as fulfilling as possible.

USEFUL LINKS

Register for Paul's free course 'Get Happier'- coming soon: https://pauldolan.co.uk/courses 
Paul's website: https://pauldolan.co.uk/
Paul on LinkedIn: https://www.linkedin.com/in/paul-dolan-a018691b/
Paul on Twitter/X: https://twitter.com/profpauldolan 

CONNECT WITH ME

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 

📘 Buy my new book The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3Q686I8

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 

📘 Download my first book for free, Ready, Steady, Retire: 
https://wb198-89a1ad.pages.infusionsoft.net/ 
https://www.theretirementcafe.co.uk/ 

👉 Get my weekly newsletter: https://bit.ly/MFPnews
👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/
👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/
👉 Twitter: https://twitter.com/JustinKingCFP 

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first! 

It's a common misconception that you make your will and that's the end of the matter. Sadly, for some families, they find out after they have lost a loved one, that that's not the case and the will can be challenged.

Research(1) suggests that almost a quarter of Brits would be prepared to contest a loved one's will if they were unhappy with it. This is where this week's guest comes in to help resolve those disputes.

Victoria Jones is Partner in the Disputed Wills, Charity and Dispute Resolution Teams at Lester Aldridge solicitors.

She joins me to explain the 4 main reasons people contest a will and how to deal with a will being contested at a highly emotional time.

Victoria also shares important tips on choosing an appropriate executor for your estate and steps you and your loved ones can take to avoid becoming part of a contested estate.

1.       Research conducted by Opinium among a nationally representative sample of 2,003 adults between 27th – 30th July 2018

The episodes of regular people telling us about their life in retirement have proven to be very popular. One of our very first episodes – number 4 in fact – of my conversation with clients and friends Nick and Debbie Taylor telling us what makes for a successful retirement for them, continues to be one of our most downloaded episodes.

So today we're going to hear the story - so far - of another client and friend – Lindsey Froud.

Lindsey spent some years living in the Middle East before returning to the UK a few years ago. At this point, she decided to semi-retire at quite an early age. She shares with us today the importance of keeping working – on her terms, and why she tries to do something she's never done before every month.

Sadly, since we recorded this episode Lindsey's mother has passed away, so my sympathies go out to Lindsey and her family.

I am delighted to welcome Professor Keith Brown back to the podcast.

Keith is a government adviser on mental capacity as well as adult care and safeguarding. To that end Professor Brown sits on the Department of Health Adult Safeguarding Advisory Board and appeared in episode 89 just a few weeks ago to explain more about mental capacity.

Keith also leads the national research into financial fraud and scams and joins me to share his very personal story of how his own mother's experience made him so passionate about helping protect older people from the growing prevalence of financial scams.

Professor Brown explains that whilst anyone can become a victim of financial fraud, isolation and loneliness are the biggest indicators and what practical steps we can all take to protect ourselves and our loved ones.

This week's episode is a little different. I'd like to share with you a conversation I had during lockdown with a friend of mine, Jeremy Nicholas.

By profession, Jeremy is a writer and broadcaster with nearly three decades of experience on TV and radio, mainly with the BBC. But Jeremy has funny bones. So he has built a business as the man who puts serious laughs in serious talks.

In essence, he helps people make all sorts of presentations entertaining and engaging. I am sure that you can imagine how life in lockdown for someone whose business is about international public speaking and after-dinner talks has been somewhat different.

Jeremy shares his story of being grounded and his story of being the voice of FIFA for 11 seasons!

I hope you really enjoy my conversation with Jeremy, as much as I did.

From my experience helping people retire successfully, I would say there is still a tendency for the man in a relationship to lead discussions about money.  

 Now, that's not always the case, and I'm sure the situation is changing among the younger generations.

But that was certainly the case for my wife's parents, and in fact my mother-in-law, Anne, talks about the challenge she faced getting to grips with money matters after her husband died in episode 21 of the podcast. Take a listen when you have a moment, as it's a great personal story. 

So, I thought it would be interesting to create a series of episodes about women and wealth, starting with my conversation today with Mary Waring.  

Mary is an award-winning chartered financial planner and chartered accountant who helps women to be financially confident and independent. 

She specialises in supporting women through and after divorce but is recognised as being a leading light in all aspects of female finances. 

The title of today's episode – The Menopausal Mermaids – is possibly quite intriguing. To explain further I'd like to share with you a conversation I had with sea swimmer Nicole Morelli towards the end of April.

Nicole joined me from Portrush, which is a small seaside town built along a mile long peninsula on the north coast of County Antrim, Northern Ireland.

She is the founder of a sea swimming group called the Menopausal Mermaids and shares her story of why she created the group and what you can expect if you decide to take the plunge with Nicole and her fellow cold water swimmers.

Take a listen here on episode 090 of The Retirement Café Podcast.

Professor Keith Brown has spent a lifetime in the medical profession. Starting his career in paediatrics, Keith headed up the paediatrics intensive care unit at St. George's Hospital in London. After a number of years he moved into academia and for the past 20 years he has led the National Centre for Post-Qualifying Social Work and Professional Practice (NCPQSW).

Keith specialises in in mental health, mental capacity and the care and safeguarding of older persons. He also sits on a number of government advisory boards and has been called upon to provide guidance during the COVID-19 pandemic:

• Department of Health Adult Safeguarding Advisory Board
• Joint Department of Health and Ministry of Justice National Mental Capacity Leadership forum
• Home Office Joint Financial task force.

Professor Brown wrote the national guidance on Next of Kin and Lasting Powers of Attorney, as well as the national guidance on Advanced Decision to Refuse Treatment.

In the first of two interviews, we chat about mental capacity, the role of the next of kin, lasting powers of attorney and how to ensure your wishes are followed in the event of tragedy at any stage of life.

It's a fascinating conversation with one of the most qualified professionals in the UK, so why not listen here on episode 089 of The Retirement Café Podcast.

I always love to hear your personal stories of transitioning into retirement, so I was delighted when listener Mary Dixon suggested her brother, John Bonney as a podcast guest.

In late May I spoke with John and asked him about his long career in the fire brigade, which culminated in him being chief of Hampshire Fire and Rescue Service for 11 years.

During this time, he also served as President of his professional body and in 2015 he was honoured with a CBE in recognition of his service to the public.

On leaving the fire service after 33 years, instead of heading into retirement, John embarked on new business challenges that fulfilled his ambition of combining work and travel.

John shares his story of how he transitioned successfully from a very high status role at work to being the ex-Fire Chief. He explains how having the right mindset allowed him to adapt and shares his tips on making a smooth transition to the next stage of life.

It's a fascinating conversation, so why not listen here on episode 088 of The Retirement Café Podcast.

Sir Steve Webb is a renowned pensions commentator who served for 18 years as a Member of Parliament between 1997 and 2015, during which time he was Pensions Minister in the coalition government of David Cameron for 5 years.

During his time at DWP he oversaw the successful implementation of automatic enrolment, helped design and legislate for the new State Pension and played a key role in the 'pension freedoms' introduced in 2015.

Steve joins me to talk about all things pensions and in this episode we hone in on the history of the State Pension, changes implemented by Steve whilst in government, the challenges we all face when getting information about our State Pensions and Steve's recent report that explores whether thousands of older women being short-changed on their State Pension.

Steve explains who may be affected and what you can do if you think you are being short-changed.

It's a highly informative conversation, so why not listen here on episode 087 of The Retirement Café Podcast.

The Open University is 51 years old and continues to pursue its mission of being open to people, to places to methods and to ideas. It's openness comes from enabling people to access study very flexibly, without any entry requirements.

For many people, learning a new skill or studying something that's always been of interest is a really important part of what makes for a successful retirement.

So I am delighted to welcome Dr Liz Marr, Pro Vice Chancellor for students at the Open University, to the podcast.

We chat about what the OU offers, to whom and how to get involved. There is a vast array of free content available on the Open Learn website and there are even virtual microscopes to study in virtual laboratories for Science qualifications!

Liz was herself a mature student and has over thirty years' experience in UK higher education – in teaching, student support and partnership work. She is also co-author (with Rachel Forsyth) of 'Identity Crisis: Teaching in Higher Education in the 21st Century'.

It's a fascinating conversation, so why not listen here on episode 086 of The Retirement Café Podcast.

📘 My new book The Retirement Café Handbook - Nine Accelerators for a Successful Retirement, is out now!

Get ready for a format twist this week on the podcast as I switch roles from host to guest. I'm absolutely thrilled to introduce none other than the incredible Pete Matthew, a dear friend and fellow Chartered Financial Planner, who's taking the reins as my guest host.

Now, if the world of personal finance sets your heart racing, then Pete Matthew needs no introduction. He's the mastermind behind the ground-breaking Meaningful Money podcast, a powerhouse with over 500 episodes under its belt. What's more his YouTube channel, also named Meaningful Money, boasts an astounding 86,000 subscribers, so you will likely recognise Pete's face or voice from somewhere.

You may have heard me mention over the past couple of weeks that I've written a new book. It's called The Retirement Café Handbook - Nine Accelerators for a Successful Retirement, and it officially launches today! Race over to Amazon and order your copy pronto.

As the tables turn in this episode, Pete takes the lead and grills me about the journey that led to the creation of this book. We dive into the creative process, how this podcast was the inspiration, and I share how I hope this handbook will transform countless lives by paving the way to a truly meaningful retirement. Get ready, also, to discover the bedrock of my framework—the three pivotal levers of purpose, self-care, and planning. 

USEFUL LINKS

📘 Buy my new book The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3Q686I8

Find out more about The Retirement Café Handbook: https://www.theretirementcafe.co.uk/ 

Follow Pete Matthew:
LinkedIn: https://www.linkedin.com/in/petematthew/
Twitter: https://twitter.com/PeteMatthew
Meaningful Money YouTube channel: https://www.youtube.com/@MeaningfulMoney

CONNECT WITH ME

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 

📘 Download my first book for free, Ready, Steady, Retire: 
https://wb198-89a1ad.pages.infusionsoft.net/ 
https://www.theretirementcafe.co.uk/ 

👉 Get my weekly newsletter: https://bit.ly/MFPnews
👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/
👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/
👉 Twitter: https://twitter.com/JustinKingCFP 

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first! 

Simonne Gnessen helps people navigate the journey of their personal financial life. 

As a money coach and a financial life planner with a company called Wise Monkey Financial Coaching, Simonne helps people build better relationships with money to feel more confident and in control of their finances.

She is also co-author of Sheconomics.

Simonne joined me to chat about the work she does, the ways in which she has helped a number of clients and the benefits people have experienced in their financial – and broader – lives.

She brings a range of expertise from non-regulated financial planning, life planning and coaching and is also now working with previous guest Chris Budd on a wellbeing initiative.

Listen here on episode 085 of The Retirement Café Podcast.

I am really pleased to share with you this week my conversation with emotional intelligence coach and author, Anne Beaulieu. 

Emotional intelligence is term you may be very familiar with, but for many of us, it's a term that's often misunderstood.  

Anne explains how she discovered the importance of emotional intelligence in her life and how she now helps others to appreciate how high EQ can help them become more contented, fulfilled individuals.  

She has worked a lot with women to remove the guilt and shame experienced as they build successful businesses, allowing them to build their business with passion, with focus and with intentionality.

Anne explains how we can help ourselves and our children or grandchildren to understand our relationship with money and how that influences our behaviours. It's a fascinating discussion about the impact our money experiences and associated feelings have upon how we interact with loved ones and treat ourselves.

Listen here on episode 084 of The Retirement Café Podcast.

Passing on our wealth and our assets to our loved ones is an important part of retirement planning, and one we've discussed on the podcast before. 

In episode 59 I spoke with Lisa Snyder from the Institute for Preparing Heirs about how to avoid the old adage of shirtsleeves to shirtsleeves in 3 generations and why this phenomenon comes about. 

This week I am delighted to share with you a conversation I had recently with Amy Castoro who is President and CEO of the 'The Williams Group'. 

We chatted about the importance of having family unity when it comes to planning how best to pass on our wealth and how to have the difficult conversations around money – especially in times of social distancing when face to face conversations become even more difficult.

Listen here on episode 083 of The Retirement Café Podcast.

Heather Waring is on a mission to get 'One million women walking'. 

She says that 'Walking makes her soul sing' and that she wants to help others experience the positive impact that walking has had upon her life. 

In 2009 Heather founded the 'One million women walking' Facebook group and wants to get people connecting over a shared love of walking and ultimately talking about what walking gives to them.

Heather discovered the mental health benefits of walking after a difficult time in her life and wants others to experience the same benefits. She is also a coach, author and speaker.

We had our conversation in mid April during the coronavirus lockdown, so discussed the implications on walking during this challenging time.

Listen here on episode 082 of The Retirement Café Podcast.

With a great deal of uncertainty during the coronavirus pandemic, many people have unanswered questions concerning their finances, their retirement and life in general.

So we ran a series of virtual Retirement Café coffee mornings and invited special guests to share their expertise to help people feel more informed at this challenging time.

On 1st May I welcomed New York Times' columnist and author Carl Richards. Through his simple sketches, Carl makes complex financial concepts easy to understand.

Carl shared his story, how  'The Sketch Guy' column arose and why his simple sketches are so powerful.

Carl has learned that our coded behaviour often works against us in our financial lives and aims to help raise the profile of Real Financial Planners who act as guides to ensure their clients align their capital to what's most important to them.

He believes – like me – that planners should be there when the storm comes in to help investors navigate turbulent times and change routes if necessary, not defend an outdated map.

Listen here on episode 081 of The Retirement Café Podcast or watch the whole video on You Tube.

Have you ever considered travelling solo? Maybe you're a dab hand at it and have been travelling alone for many years. Or maybe you're just considering taking your first trip.

It can feel daunting to take that first trip alone. Well help is on hand from Janice Waugh. Janice lives in Toronto and she is the go-to authority on the topic of solo travel.

In 2009 she founded Solo Traveler a website she conceived of based upon her own need for better information about travelling alone and she's here to tell us more about it.

She joins me to share her advice on what to consider when travelling solo, what to expect and steps you can take to depart with confidence.

Give-away

We also have a give-away of three free Wits and Wonders Travel Courses. The first 3 people to email us with the correct answer to this question will win:

What's the name of Lesson 2 in the course?

This is the second episode in our series on travelling. If you missed my chat with Gary Bembridge of Tips for Travellers you can listen here.

Listen here on episode 080 of The Retirement Café Podcast.

We all have behavioural biases that drive our values and guiding principles. These ultimately impact how we show up in the world and the decisions that we make.

Neil Bage is a specialist on the sub-conscious behaviours that drive our decisions and how to bridge complex theory with real world understanding.

He helps people understand what's going on inside their heads when they make decisions and is passionate about helping people make safe and informed financial decisions in particular.

Neil joined me at a recent Virtual Retirement Café coffee morning and I would like to share our conversation with you on the podcast to help you navigate the current landscape and any decision making you are facing.

Listen here on episode 080 of The Retirement Café Podcast.

I know that many of our clients enjoy their holidays, and in particular cruising, so I am delighted to welcome Gary Bembridge, author and founder of Tips for Travellers. 

Gary has travelled every month of every year for the past 25 years. Since 2012 he has been exclusively focusing on creating travel content including videos, audio podcasts, books and articles – specialising in cruising. 

Gary's Tips for Travellers YouTube channel averages 2.5 million views every month, his podcast has had over 1 million downloads and his award-winning blog receives 170,000 visitors a year. 

Gary joined me to share insights from his vast experience of travelling and cruising across the globe. We also discussed the challenge for the travel industry during these uncertain times with the Covid-19 pandemic. 

This is the first in our series on Travelling in retirement.

Listen here on episode 078 of The Retirement Café Podcast

I have chatted with a number of guests over the past 18 months about ageing well as it's a topic that I know many of our listeners are interested in. 

This week's interview is with someone who has a profound interest in ways via which we can improve the health and quality of life outcomes in older adults. 

Dr Jitka Vseteckova is a Senior Lecturer in the School of Health, Wellbeing and Social Care at the Open University. She is involved in a plethora of research projects and training courses, all focused on helping people stay healthy far into their retirement years. 

Jitka talks about the impact exercise can have in putting the daily stress we experience in to perspective.

Against the backdrop of the Covid-19 pandemic, I thought it would be interesting to understand what steps older adults can take to stay fit and well at these challenging times. 

Listen here on episode 077 of The Retirement Café Podcast

If you are a regular listener to the podcast – firstly, thank you for joining me again this week – and secondly, you will probably be aware that the podcast is sponsored by Timeline App.  

Each week, I give a brief explanation of the TimelineApp software and how it helps financial planners like me bring your retirement journey to life and answer your big retirement income questions.   

But Timelineapp really comes into its own at this time of high market volatility, so I am delighted to welcome back to the show today founder and CEO of Timelineapp, Abraham Okusanya.   

I have known Abraham for a number of years and watched in admiration as he has continued to bring cutting-edge technologies to the financial advice market, become a published author and host the highly successful Science of Retirement Conference.  

Abraham is here today to help us understand the current stock market performance as a result of the coronavirus and put it into the context of historical events over the past 100 years.  

Listen here on episode 076 of The Retirement Café Podcast

📘 The wait is finally over! My much-anticipated book, The Retirement Café Handbook - Nine Accelerators for a Successful Retirement, is now available to pre-order on Amazon!

To explore some of the key themes I am bringing back to the podcast a true maestro of understanding human behaviour and the mind-bending world of advertising - none other than Rory Sutherland, the ingenious UK Vice Chairman of Ogilvy, a global advertising powerhouse that needs no introduction.

Hold onto your headphones, because Rory isn't just an advertising titan – he's a TED Talk sensation! Imagine captivating the minds of millions, as his thought-provoking talks have been devoured nearly 7 million times. 

In this episode Rory reveals his thoughts as a behavioural scientist on some of the themes I explore in the Handbook, by diving headfirst into the ocean of retirement fears including when to retire, mastering your financial reservoir, and the intricate art of downsizing.

Together, we'll explain how The Retirement Café Handbook asks the right questions and helps you craft a roadmap towards a triumphant retirement. 

USEFUL LINKS

📘 Buy my new book The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3Q686I8

Find out more about The Retirement Café Handbook: https://www.theretirementcafe.co.uk/ 

Connect with Rory:
LinkedIn: https://www.linkedin.com/in/rorysutherland/
Twitter: https://twitter.com/rorysutherland
Watch Rory's TED talks: https://www.ted.com/speakers/rory_sutherland

Buy Rory's book:
📘 Alchemy: The Magic of Original Thinking in a World of Mind-Numbing Conformity - https://amzn.to/3QyOM6s 

Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

CONNECT WITH ME

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 

📘 Download my first book for free, Ready, Steady, Retire: 
https://wb198-89a1ad.pages.infusionsoft.net/ 
https://www.theretirementcafe.co.uk/ 

👉 Get my weekly newsletter: https://bit.ly/MFPnews
👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/
👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/
👉 Twitter: https://twitter.com/JustinKingCFP 

⚠️ This video is for information and entertainment only. Nothing on this channel constitutes financial advice. Please do not make any decisions based on the contents of my videos; seek professional independent financial advice first! 

A recent survey revealed that one of the biggest regrets for millions of people in Britain was not asking more about their parents' and grandparents' lives.

Bryher Scudamore found herself amongst these millions when her beloved mother, Peggy, died suddenly and unexpectedly from a heart attack. Reeling with the shock of realising her mother wasn't invincible, Bryher realised as she was going through Peggy's papers how much more there was to discover and desperately wished she had found out more during her mother's lifetime.

She vowed to try and help others to avoid making the same mistake and after 12 years' research at the age of 60, she founded autodotbiography.

Bryher – previously editor of 'That's Life!' and BBC Online – joins me to explain how autodotbiography makes it easy for everyone to create a beautiful account of their life story, for their family, one that will be treasured for generations to come.

Listen here on episode 075 of The Retirement Café Podcast

We've discussed the importance of finding purpose in retirement on a number of podcast episodes and today's guest seems to have done just that.

Since retiring three years ago, Mark Anness has become heavily involved in a charity dear to his heart. In our interview Mark shares the story behind his involvement in Myra's Wells and the inspirational work the charity does building wells for villages in rural Africa.

It was clear from our conversation that Mark gets a huge amount of satisfaction from working as Trustee.

Listen here on episode 074 of The Retirement Café Podcast

With a degree in Classics from Cambridge University, Rory Sutherland joined Ogilvy – one of the biggest global advertising agencies – as a graduate trainee in 1988. He worked as a copywriter and creative director for over 20 years, then became UK Vice Chairman in 2005. 

He is one of the most influential advertising professionals in the world today. 

As an expert in Behavioural Economics, Rory founded Ogilvy's 'behavioural science practice', where he works with psychologists to look for 'unseen opportunities' in consumer behaviour – the very small contextual changes which can have an enormous effects on the decisions people make. 

He has delivered a number of TED Talks that have been viewed nearly 7 million times, and has published two books: The Wiki Man and Alchemy: The Surprising Power of Ideas which don't make Sense. 

Rory joins me to chat about how the best ideas don't make rational sense: they make you feel more than they make you think. 

Rory believes that the big problems we face every day could very well be solved by letting go of logic and embracing the irrational. He shares has vast experience from the world of advertising and how this applies to decisions that impact our retirement and our financial decision making.

Listen here on episode 073 of The Retirement Café Podcast

Our wonderful next door neighbour, Peggy, is 91 years young.

She joins me to share the experiences of her long life that have influenced how she lives today, in the second episode of our series about Longevity and Retirement.

Peggy grew up on a farm, started work before turning 15 and married young. As a fitness fan, Peggy shares how keeping moving has helped her stay fit and well. She still does her morning exercises – including the plank! – , looks after her own garden and walks everyday. Peggy was waterskiing into her 70s!

I ask Peggy about what she's experienced during her lifetime, how she's coping with the Coronavirus outbreak and what advice she would give to someone retiring today.

Listen here on episode 072 of The Retirement Café Podcast

As life expectancies have increased, conceptions of retirement have evolved. 

With many people likely to live for twenty to thirty years beyond State Pension age (SPa), retirement is no longer simply a period of winding down at the end of your life. This shift has led more people to question what retirement is all about, whether they want to or can afford to retire, and if they do, how they want to spend their remaining time.

Lauren Wilkinson joins me from the Pensions Policy Institute (PPI), an educational, independent research organisation with a charitable objective to inform the policy debate on pensions and retirement income provision, to discuss their findings from a recent study on Living through later life.

In the first of our series on Longevity and Retirement, we chat about the experiences, risks and demographic characteristics associated with each of the three phases of later life.

Listen here on episode 071 of The Retirement Café Podcast

Have you ever sought financial advice?

And if so, did you act on the advice given? If you didn't follow the advice you received, you're not alone.

Too often, the advice is sound (hopefully) and you're eager, but for some reason nothing happens.

Neuropsychologist and financial change expert, Dr Moira Somers, recognised this pattern in her work and was concerned about the well-being of her clients and the lost opportunities. So, she decided to investigate further.

Dr Somers has published a book called 'Advice that Sticks' which examines the five main factors that determine whether someone will follow through with financial advice and joins me to discuss her findings.

Listen here on episode 070 of The Retirement Café Podcast

Greg Davies is a globally recognised expert in behavioural finance and its impact upon our financial wellbeing. Behavioural finance is a way of understanding the decision making you go through in your day to day life, how your personality and psychology influences that, and ultimately how we use that knowledge to help you make better decisions.

He joins me to explain the smart way to match your investment risk to your investments and his three rules for investing.

We also chat about how to encourage people to engage with their personal finances, why we struggle to make decisions about our money and how a lot of our money decisions are based on what feels emotionally comfortable to us, rather than any sort of technical analysis of what the optimal decision is.

Greg – of Oxford Risk – holds a PhD from Cambridge University and is also a specialist in both the theory and practice of investment risk profiling. 

Listen here on episode 069 of The Retirement Café Podcast

We've heard many wonderful personal stories of retirement life, but it's not rosy for everyone. Many people suffer from isolation and loneliness.

This week's guest needs no introduction.

Dame Esther Rantzen has been a household name for many years since first appearing on our TV screens as a presenter and journalist.

In 1986, she famously launched ChildLine – a free, private and confidential service where children can talk about any issues they're dealing with. ChildLine is now part of the NSPCC and Esther is still involved. She is also a patron for 19 charities and has a damehood for services to children and older people.

More recently, Esther launched The Silver Line – a telephone support service providing information, friendship and advice to older people – that has already received well over 2.5 million calls.

It's almost impossible to reach some way into adulthood without experiencing the loss of a loved one. I think it's fair to say that each of us deals with death in a different way and has our own way of grieving. 

For some, grief can be totally crushing and incredibly difficult to deal with.  

My guest this week knows first-hand what it's like to lose someone dear to her. Amy's experience set her off on a lifelong mission of helping people deal with grief. 

Author, speaker and founder of Corgenius, Amy Florian joins me to share her experience of loss and grief and her insights into dealing with this complex emotional arena.

This episode is the second in our series on dealing with grief and loss.

Listen here on episode 067 of The Retirement Café Podcast

Why do we prepare so well for birth, yet give so little attention to preparing for death?

Judy Kauffmann believes we should. She is passionate about caring for people during their end of life journey and empathising with those left behind, and her training and writings reflect this ethos.

Judy is an award-winning author of two books on end of life management and bereavement. She not only trains people to achieve the highest level of non medical care, but also empowers carers, helping take the fear out of end of life.

She is also currently training to be an End of Life Doula, someone who walks alongside the individual, their family and their community as an informed companion at the end of their life.

This episode is the first in our series on dealing with grief and loss.

Listen here on episode 066 of The Retirement Café Podcast

Pre-order my new book 'The Retirement Café Handbook – Nine Accelerators for a Successful Retirement': https://amzn.to/3Q686I8

In this week's podcast, Dr Martin Hyde is making getting old sexy.

Martin is a renowned gerontologist. In our conversation we delve into what being a gerontologist actually means, and Martin debunks the misconception that studying older individuals is uninteresting or uninspiring. 

Martin has collaborated with researchers from around the globe, allowing him to explore the diverse experiences of aging in different countries and among various groups of people. His work has truly become an exciting area of research, keeping him continually curious and eager to learn more about the complexities of aging.

Remember, that getting old also impacts the young!  Martin highlights the importance of looking at your whole life course, so you plan for what it takes to be old and happy.

I hope our conversation will open your eyes to how the perception of getting old does not match reality.
 

USEFUL LINKS

Connect with Martin:
LinkedIn: https://www.linkedin.com/in/martin-hyde-5815ab42/
Twitter: https://twitter.com/HydeM1976 
Reach Martin at Swansea University: https://www.swansea.ac.uk/staff/martin.hyde/ 

Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

CONNECT WITH ME

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 

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https://www.theretirementcafe.co.uk/ 

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⚠️ This video is for information and entertainment only. Nothing on this channel constitutes financial advice. Please do not make any decisions based on the contents of my videos; seek professional independent financial advice first! 

There is a type of crime for which there is almost no criminal justice. Fraudsters stole £1.2 billion through the UK financial sector in 2018, affecting more than 3 million victims.

Fraud and scams are the fastest growing crime area in the UK and notoriously hard to tackle. Research has found that 96% of reported cases go unsolved.

With police help limited in this area, there are people striving to support victims of financial crime.

Louise Baxter-Scott is founder and head of the Scams Team for National Trading Standards. She was awarded the MBE in 2017 for services to protecting vulnerable people from financial abuse.

Louise joins me to explain the most common types of financial fraud to look out for, how to protect yourself and what her team is doing to protect and keep vulnerable people safe.

This episode is the second in our series on Working into Retirement (click the link under 'useful links' to listen to last week's episode).

Tim relaunched his career in his 50s when he lost everything to the recession. Now in his mid 70s, Tim has co-founded and run businesses, think tanks and charities.  

He believes that many people feel that they have unrealised potential and that they're looking at ways to release it. Now in his seventies, he still sees himself as a promising youngster and intends on thinking and behaving like someone much younger. He is putting more into life, and getting more out of it.

He has published a number of books including 'Generation Cherry – Powerful Strategies to Give You Another Bite of the Cherry'.

Tim chats about different ways to work into retirement and the benefits that can bring.

Tim also features on the Bolder website of Dominique Afacan who appeared in episode 053 of the podcast. Tim joins me to chat about the role of continuing to work into retirement and later life.

Listen here on episode 064 The Retirement Café Podcast

This is the first in our brief series of episodes about Working in to Retirement.

Nearly 80% of the growth in UK employment over the last decade has come from the over 50s*.

A staggering fact, and one made even more impactful if you consider that the ONS expects the number of over 50s to increase by nearly 10% over the next 10 years, an additional 2.7 million individuals.

To simply maintain current rates of employment, that requires us to prepare society and the workplace for millions more older workers being gainfully employed. But are we prepared and willing to do so?

Stuart Lewis is on a mission to address this challenge and founded Rest Less in December 2018 to do just that. Rest Less aims to help solve employers' recruitment challenges by providing access to a motivated and rapidly growing talent pool, whilst also promoting thousands of jobs from employers who see the value of age diversity in the workplace to the over 50s.

*ONS figures

Listen here on episode 063 The Retirement Café Podcast

Over 20 years ago, Nick had a vision for the future of housing for later life. He envisioned a retirement village that offered the facilities of a spa hotel but with care on hand, as and when needed.

Nick Sanderson is now CEO of Audley Group, the company that reinvented the retirement property market; challenged the care home model and introduced the concept of luxury retirement villages for the over 55s.

They provide a range of luxury retirement villages, each with a health club, library and restaurant. Nick discusses why the demand of these villages is growing and the role they can play in solving the housing crisis in the UK.

Listen here on episode 062 of The Retirement Café Podcast.

Happy New Year!

There are many ways to make '2020 Your Best Year Yet'.

As discussed in the first episode in this series, one of those ways is to consider your most important priorities and make sure you spend time doing the things of most importance to you.

Another way is to continue to learn. And what better way than to learn from those who know more than us!

This week, Justin discusses the books he highly recommends you read in 2020. He introduces each book and why you may want to consider taking time to read them.

We are also delighted to announce this week that The Retirement Café podcast has a new sponsor! Timelineapp helps financial planners bring a client's retirement journey to life and answer their big retirement income questions.

We are excited to have Timeline on board - they're an extremely progressive and exciting company and their fit with what we're trying to do with this podcast is spot on.

We're aiming to help you feel more informed in your retirement. Timeline helps you feel informed about how your retirement savings can be put to best use, so you don't run out of money.

Justin chats about Timeline more on this episode, so tune in now to episode 061 of The Retirement Café Podcast

It's New Year's Eve – the final day of 2019, so what better topic to discuss than 'How to Make 2020 Your Best Year Yet'. 

In fact, that's the theme of the next two episodes. 

As is tradition with the arrival of another new year, you may well be getting ready to set some new year's resolutions. Things that you'd like to change in your life or new habits you'd like to create. 

It's not something that I've ever really done, but I know my wife, Kathy, used to set resolutions each year. Kathy joins me on the podcast to chat about why I don't believe new year's resolutions are very effective and how lasting change can be brought about.

We cover setting goals, the difference between strategies and goals, why we need to talk to our 85-year old self, and why it's important not to wait until the New Year to make the changes we want to see in our lives.

Listen here on episode 060 The Retirement Café Podcast

You've probably heard of the old adage 'from shirtsleeves to shirtsleeves in three generations', but is it really true?

Research in the USA* suggests that inherited wealth rarely endures. By the second generation, it found, 70 per cent of family fortunes had been depleted. By the third generation, the figure was 90 per cent. 

60% of unsuccessful wealth transfers result from a lack of trust and communication among family members, which led to the creation of the Institute for Preparing Heirs.

Lisa Snyder is Managing Partner & Chief Learning Officer for the Institute, which helps financial advisers help guide conversations with their wealthy clients about wealth, legacy and purpose to align the entire family for a successful wealth transfer. 

She joins me to chat about how to manage the transfer of wealth successfully.

In this episode, we cover a summary of defined contribution, defined benefit and other workplace pensions, what you should know or find out about your existing pensions and what you need to consider to ensure you have sufficient provisions when you reach your retirement.  

This is the third episode in our series about Changing the Perceptions of Ageing.

We are living longer than ever before but millions of us risk missing out on a good later life.

The Centre for Ageing Better is focused on bringing about lasting changes in society that make a difference to people's experience of later life, now and in the future. This means more people in fulfilling work, in good health, living in safe, accessible homes and connected communities.

Louise Ansari is passionate about using communications to help improve lives.

With a background in leading communications and campaigns for various health and social policy organisations - such as Diabetes UK, Which? Magazine and the Food Standards Agency - Louise is well placed to lead the Centre for Ageing Better help more people live better in later life.

Louise joins me to chat about the charity's mission and how the #AgeProud campaign is challenging the outdated, ageist attitudes that prevent too many of us from making the most of our longer lives and her new book 'When We're 64: Your Guide to a Great Later Life'.

Listen here on episode 057 of The Retirement Café Podcast, the first in our series on 'Changing perceptions of ageing and ageing better'.

If you listened to last week's episode, you'll know that I shared some of the lessons I've learnt from interviewing interesting guests over the past 12 months since the podcast was launched.

This week I plan to share a further 4 lessons, in celebration of the first anniversary of The Retirement Café Podcast. Last week's lessons included:

1. Everyone has a story
2. Retirement as we know it is dead
3. It's never too late to do something important to you

This week I cover:

1. the importance of having a purpose
2. We have more control over ageing and our health than we may think
3. Pensions really are interesting
4. The future's bright

If you'd like to listen to any of the full episodes mentioned in this episode, please click the links below.

Listen here on episode 056 The Retirement Café Podcast.

James Elliott is a psychotherapist and resilience coach. Using his 14 years in the British Army's Airborne Forces developing skills in resilience to empower people to tackle a variety of challenges, he works with people ranging from professional athletes to politicians.

In our conversation James provides insight into how a loss of identity – either as a soldier or as a CEO – can be the hardest thing to deal with when retiring. A sense of identity is crucial to help you manage the next stage of your life, even better if what you enjoy doing helps benefit your community.

In his book, Think Yourself Resilient: Harness Your Emotions. Build Your Confidence. Transform Your Life he breaks resilience down into different pillars, looking at confidence, identity, goals, relationships and physical health. By focusing on these elements we give ourselves the best chance to be resilient to life changes.

Listen to more of his fascinating story here.

USEFUL LINKS

To connect with James:
https://www.linkedin.com/in/james-elliott-8360a41b5/ 
https://james-elliott.mykajabi.com/ 
https://www.instagram.com/jameselliottofficial/?hl=en 

James's book is available to purchase here:
https://www.amazon.co.uk/Think-Yourself-Resilient-Emotions-Confidence/dp/1804190535/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=&sr= 

CONNECT WITH ME
Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

📘 Download my book, Ready, Steady, Retire: 
https://wb198-89a1ad.pages.infusionsoft.net/ 
https://www.theretirementcafe.co.uk/ 

👉 Get my weekly newsletter: https://bit.ly/MFPnews 
👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 
👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 
👉 Twitter: https://twitter.com/JustinKingCFP 

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first! 

Are you worried about getting old?

Mid thirty-something writer Dominique Afacan was. Old age to her was an unhappy place, mostly filled with loneliness, rocking chairs and possibly some tea and biscuits, if she was lucky.

Together with friend and photographer colleague, Helen Cathcart, Dominique set out to find people over 70 who made old age look more appealing. They interviewed and photographed these inspiring people, which led to the launch of Bolder.

Dominique joins me to chat about why they want to change perceptions about growing older and how they're going about doing so.

Listen here on episode 053 The Retirement Café Podcast, the first in our series on 'Changing perceptions of ageing and ageing better'.