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A Grown-Up Conversation About Making Money Online
Season 2026 · Episode 6
Monday, February 2, 2026 • Duration 05:50
In this short podcast episode, Susan shares a simple but important message
Making money online is a profession, not a gimmick
For many people over 50, the idea of building income online still feels uncomfortable
Years of hype, exaggeration, and empty promises have created understandable scepticism
But as Susan explains, the problem isn’t the model it’s the way it’s often presented
Before moving online we were self‑employed professionals living with the familiar feast‑or‑famine reality and no pension safety net
What they were looking for wasn’t a shortcut, but something legitimate, ethical, and sustainable
In the episode, Susan talks about why so many capable people feel stuck online not because they lack effort, but because they’re overwhelmed by conflicting advice and too many options
Confusion, not laziness, is usually the real barrier
The solution is clarity and structure. Just like any other profession, building income online works best when you learn real skills, follow a clear framework, and stay consistent long enough for progress to compound
Susan also shares why education, community, and support matter especially for people who’ve tried before or are starting later in life and why approaching this professionally can create more freedom, flexibility, and peace of mind around the future
🎧 Listen to the full audio episode above and take a few minutes to reflect on whether the next chapter of your life deserves a more intentional approach
No hype. No pressure. Just perspective so you can decide for yourself
In our last newsletter, we mentioned that today we’d be sharing something important…
Something designed to help you build your freedom faster
So let’s get straight to the point
Over the past few weeks, we’ve focused on reflection, mindset, principles, and clarity
Because before action comes readiness
But there comes a moment when preparation must turn into a decision
Before we share what’s new today, we want to pause and acknowledge something important
Over the past few weeks, we haven’t just been sending emails
We’ve been intentionally sharing mindset shifts, principles, and reminders – both here and across our social media – to help you prepare for 2026
Each day, we’ve been posting one of our personal principles for success because freedom isn’t built on motivation alone
It’s built on how you think, what you focus on, and the actions you take consistently
One principle in particular has been sitting with us this week
Vision into Action
Because dreams stay dreams without action
Freedom isn’t built in one big leap – it’s built in small, daily steps that align with a clear vision
And progress will always beat perfection
We were thinking about this just yesterday, walking home along the beach at sunset 🏖️ wishing that more of the people who tell us about their dreams would believe in themselves enough to know they can make them real
In this episode of Living The Retirement Lifestyle Podcast we talk with medical doctor Luz Marten and hear how a patient at his practice who he was unable to help with traditional medication led him and his wife into the world of holistic medicine and network marketing.
You will definitely want to listen to his story and hear some of the challenges he faced on the journey including having to forfeit his medical practice in favour of his belief in natural solutions.
How we should all be free to make better choices in life that we believe in.
https://vimeo.com/855286083
His career began as a paramedic and later became an anaethetist but after burnout and suffering depression took the decision to re-qualify as a medical doctor proof having realised that money isn’t everything! For a period of time life became much better for him and his wife and he was happy with his lifestyle but yet there was a desire to do and be more…
Then one day a patient changed everything for him and his wife.
He had been unable to help her with traditional medicine then one day she turned up at his practice and shared with him how she had treated herself holistically and she wanted to share with him her story.
That story changed his life and his career
He tried the products for himself and many of the afflictions he had went away and he just knew he had to share this with those who needed to find solutions
He knew nothing about the world of network marketing that his patient had introduced him to just loved that these products worked and wanted to tell everyone about them
What happened next is all too familiar in today’s world unfortunately but there is a happy ending
Lutz and his wife now have the means to help people who traditional medicine has not helped and the results as we know too well ourselves are becoming more accepted
They have created a business they love and they continue to serve people who have health challenges but in a different way
Could You Turn Your Passion, Skill Or Hobby Into An Online Income Stream?
Season 5 · Episode 1
Wednesday, August 9, 2023 • Duration 32:13
In today’s Living The Retirement Lifestyle Podcast we catch up with Adil Amarsi who has created himself a business through his love of copywriting learned from an early age writing stories for his Dad’s business and has gone on to write copy amassing over a billion dollars in revenue for his clients (and he’s only 33!)
We first met him after attending an internet marketing event some 10 years ago and listened to him share his passion for copywriting over cocktails in the bar (some of the best moments and friendships are meeting people at events over coffee or in the bar 😂). We didn’t really know what that was back then!
Social media allows us to keep in touch and after chatting recently about a course he’s just created we wanted to introduce him to you and for you to hear how you can turn a skill, knowledge (or hobby) that you are insanely passionate about into a business that generates you a full or part time income.
Knowledge is in huge demand as people want to know how to do things and you could be harbouring the secret (you’ll hear him share an example of a plumber friend)!
Join us for the conversation and hear his story and make sure to stay to the end as he has a fabulous tip for you for starting your very first or next income stream…
https://vimeo.com/852389034?share=copy
There were so many golden nuggets inside this interview and hope you took notes – we’ve added captions so you can grab those that might help you in considering your next steps or which you can use as you think about starting or pursue your online career.
Getting a mentor or finding someone who has done what you want to do is a key takeaway and one we absolutely endorse – without finding a mentor we would not be doing what we are today!
The internet is not just for young things as we’ve proved beyond a doubt (and why we created this podcast and blog) and when you consider the skills, talents and experience those reaching their fifties and beyond hold there’s a whole new world of entrepreneurship opening up for them.
You Can Meet Adil Here On Social Media
Opening Pandora’s Box
Season 4 · Episode 10
Wednesday, April 5, 2023 • Duration 31:37
In this episode of the Living The Retirement Lifestyle Podcast we have as our guest Greg Aler author of Fire Your Financial Advisor and advocate for change in the world of financial services as it relates to retirement in America today.
Greg has a fascinating background as you’ll hear during our chat but it really does put him in a position to share what he knows about the industry and how retirees can fight back (and not just in America).
Told though metaphors and recognizable events Greg shares the story inside his book of how the financial industry created a trillion-dollar empire by withholding information while over-charging and under-servicing retirees regarding the real risks of retirement.
It was a very entertaining chat and we think you will see from the fact that despite being the CEO of 3 very successful companies he prefers a more relaxed look and can see why his clients would like him.
We especially loved his idea that all retirees should have money set aside for fun, travel, hobbies or anything that they enjoy.
https://vimeo.com/814682036
With staggering numbers of Americans living far longer than ever before (and no different to any other developed nation) our retirement savings need to go a lot further and take into account long term health care as well as investments and life savings.
As we said above, what we liked best was when he said he encourages his clients to set aside money for their fun time as everyone in their retirement needs to enjoy this time of their life and not just be saving for the future.
Greg has definitely stirred up a hornets nest but in a good way and highlighted the reason that the advice that your financial advisor might have given you to get to the top of “Retirement Mountain” probably won’t help get you down. That is what most retirees miss – until it’s too late… but no more!
We hope you enjoyed the show as much as we did and you maybe go ask the question of your financial advisor 😀
Resources
To find out more about Greg you can listen in to his podcast or tune in to his TV show – both known as . We’re sure you’re going to enjoy getting to know him and how he operates his business
How A Chance Meeting Changed My Life
Season 4 · Episode 9
Wednesday, March 22, 2023 • Duration 28:02
In this edition of the Living The Retirement Lifestyle Podcast we interview Fazal Ullah as he shares how a chance meeting in 2007 changed his life. It’s especially poignant as that meeting was with us and we finally got to catch up with him and ask him to share his story and what happened next…
https://vimeo.com/810092844
It’s not an unusual story as you’ve heard (many people we speak to what to quit the 9-5) but what was different is that Faz was so fed up with the 9-5 rat race and not seeing his kids growing up he made it happen. His family was the thing that provided him with his REASON WHY to make the change.
A change that has led him to a better life and creating a way to help others who want a better life too just as we have done.
Just imagine as he said if the stars had not aligned on that day – 5 seconds either way and life would have been a very different story
BELIEF
We asked him next about belief
“So you must have had a heck of a lot of belief in yourself, a lot of self-belief to go to that exhibition, learn some things, and then on the Monday morning give up your regular income effectively“
We asked him how he could do that and he said it was having a huge belief what he was doing and a huge REASON WHY as we’ve said earlier. To build a future for his family, to create a legacy and to create passive income.
MINDSET
Next we asked Faz about mindset and how he approached all of this because this is a big breakaway from what he was familiar with. Here’s what he said:
CHALLENGES, CONNECTIONS & NETWORKING
She Believed She Could And She Did
Season 4 · Episode 4
Wednesday, January 11, 2023 • Duration 35:54
In this edition of Living The Retirement podcast we talk to our good friend and award winning business coach Kylie Anderson. Originally from Australia and now living and working in the UK, we first met her over a decade ago when she entered the world of online entrepreneurship. We knew she had that spark in her and she’s proved us right reaching that milestone birthday (she just turned 50) and running a very successful thriving coaching business
But we’ll let Kylie share her story and hope you will be inspired to move out of your comfort zone and know that there is more to life than sticking with what you’ve always done and were good at for fear of what lies beyond!
https://vimeo.com/748021151
We so loved that moment where Kylie says her boss came into the office bragging about his travel card and she realised he was still coming into the office in his retirement… one of those pivitol moments that made her know for certain it was her time to do something about building her own business to give her the flexibility to travel and start living a life not centred around work!
We remembered her coming to an event we had organised showing people how they could start an online business and was in the front row taking notes and smiling like the proverbial cheshire cat.
Kylie shares how she was experimenting with different ways to make money online (which is what most people do to be honest) , found what didn’t work and how not everyone can be trusted but she didn’t ever give up on her dreams and goals
She knew that honing her skills would help her reach them and it would take a little time to “find her thing” as she describes it
She knew that overnight success and ‘getting rich quick’ was a fallacy and an investment into personal development was extremely important
Which all led to her thinking about the ‘missing link‘ as she refers to it. She was an avid consumer of training but wasn’t earning from all that knowledge! How could she change that and provide a service which would for people creating all this training, writing books, producing courses and bring the those all important clients?
Her Advice
Maybe It’s About Time
Season 4 · Episode 3
Thursday, December 1, 2022 • Duration 31:37
Maybe It’s About Time is the title of a book written by our guest Neil Boss on this edition of Living The Retirement Lifestyle Podcast. Neil is a retired partner of Deloitte LLP one of “The Big Four” Accountancy and Management Consultancy firms in London and we were intrigued to know the story behind his book and whether it was something he had always wanted to do…
You’ll hear his answer when you tune into our chat because like you, we were intrigued to know why now and why the story line he chose but as you will hear him say “it was always a plan to write a book in his retirement”
We’ll circle back to that…
https://vimeo.com/773253506
The Story
Set in the early months of 2020 Maybe It’s About Time is a story about the difficulty of changing life for the better. The central characters are Marcus and Claire and how a chance encounter through a mutual friend, Gavin leads to an unlikely friendship all the while the early months of the pandemic were unfolding. We had to ask Neil whether Marcus was actually him but he assures us the character was totally fictional albeit he draws on his experience of what he describes as the egocentric world of professional service.
Whilst full of humour, the story ultimately delivers a serious message about remaining true to our personal values and changing lives for the better.
We began reading Maybe It’s About Time on a transatlantic flight to Salt Lake City just recently. It was a large book to take on board but Susan was quickly engrossed (and the crew were intriguedto know was it a good book lol). I (Chris) get to read it next beacuse that’s how we work together lol 😂!
We asked Neil if he ever saw his book becoming a movie. We had to laugh when he said he was no J K Rowling or a Harry Potter wizard but seriously if the right person reads his book we’re sure it would make a great screenplay.
All Because They Loved Chocolate…
Season 4 · Episode 2
Wednesday, October 5, 2022 • Duration 26:35
It will all make perfect sense when you hear from Peter Barker our guest on this episode of Living The Retirement Lifestyle Podcast. Peter is Operations Director of Wildgoose Events, an award winning, multi-million pound global events and licensing business but he’s no stranger to facing up to challenges as you’ll hear
https://vimeo.com/747682605
It’s no surprise then that Peter is someone who thinks outside the box when faced with difficulties and the pandemic couldn’t have been a worse turn of events for someone who has an events business that involves people coming together!
But he had the fortitude along with his co-directors to pivot into the virtual world that we all came to be a part of during 2020/21 and their innovative approach was a win win coming up with products that could help keep teams engaged whilst people were locked down at home utilising zoom. So we came up with escape games and murder mysteries and quizzes, and all sorts of different things that people could do with their teams online. Truth is for a couple of months things were pretty tough but long story short is we came through COVID and had the best two years in business we’ve ever had and in 2020/21 delivered just over three and a half thousand events all around the world and had the most successful two years in business in terms of revenue and profit as well.
We can all learn a great deal from that not least of which is turning what could be abject failure into your fortune and hearing of a success story coming out of COVID is very encouraging!
Moving on we asked Peter about side hustles to which he admits having had one or two but the most memorable was the chocolate business from which the title of this podcast originated
So how did it all begin?
Peter tells us that his wife and daughters are “chocoholics” and so he came up with an idea to help his children “earn” their “pocket” money (it was about giving the girls a hand up rather than a handout he says) by getting them involved in a side hustle he had found selling “wrapped” chocolate bars – for parties, weddings, birthdays, events and it just took off from there. As all things do with family enthusiasm soon dropped off but having created a saleable business, Peter was able to sell it on. That little adventure led to winning an award and for the best new business from the chamber of commerce.
Connect With Peter
Having Choices When You Get Older
Season 4 · Episode 1
Thursday, September 15, 2022 • Duration 34:43
In this edition of Living The Retirement Lifestyle Podcast we chat with Bob Clarke about why it’s important to have choices when you get older, why age 50 was pivotal for him and his wife Rosemary and what he discovered in his foray into the online world
Its a fabulous story and we know you’ll have lots of takeaways from it so listen in and hear what he has to say
https://vimeo.com/747248827
Like so many of us Bob loved his job working as a health care professional running infertility laboratories up and down the East Coast of the USA but retirement was on the horizon and like so many of us he didn’t want to be dependent on the government or to potentially outlive his money. He wanted to be in control and have choices when he got older
And it’s at that point you start looking (usually while you are still working at your job) and then the shiny objects pop up and because you don’t know any better at this point (been there and done that!) one thing leads to another and you find yourself one of the ‘dabblers’ making a little bit of money but not enough to write home about.
But then something happens…
There’s a a ‘trigger point’
For Bob and his wife Rosemary it was a change in Bob’s job combined with an unexpected heart problem and a lot of stress… and that led to the decision that this online thing could be the answer but that it would require an investment into learning how it all worked and then being able to focus on it part time until they (well Rosemary actually) could see it working for them
The key word as you will hear Bob say was FOCUS. When you sit down to work on your business you can’t go jumping around all over the place because suddenly that 6o minutes you had planned to use is gone in an instant!
So you decide you’ll retire and then you’ll have the time to do this “thing” and that’s when the realisation kicks in that you have to make it work and that requires discipline and the activities you are involved in have to be results or . When you focus on that and have a good mentor to help and guide you then you can start to achieve your goals
Now you are “officially retired” we asked what are you doing now?
How do you encourage entrepreneurship in retirement?
What books would you recommend reading for the first time entrepreneur?
Last words of wisdom
You can connect with Bob below
If you’re over 50 and thinking seriously about your future, you already know this truth
Time matters
Health matters
Financial security matters
And relying on a single income stream or hoping things will somehow “work out” simply isn’t a strategy
That’s why we recommend what the Home Business Academy has created – their Triple Residual Formula
Rather than sending people off to search for different residual income streams on their own, HBA brings everything together in one place
The education, the systems, and the multiple income components designed to work side by side
It’s the framework we personally use and trust because it simplifies the process and removes so much of the guesswork, especially for people starting later in life who want clarity, not complexity
Today, for the first time, we’re inviting you to explore it properly
⭐ Something New (and Very Powerful)
We’ve just launched a brand new page that explains everything clearly and transparently – and here’s the part we love most
It includes a built-in AI Chat
That means you don’t have to guess
You don’t have to rely on sales pressure
You can simply ask questions – as many as you like – and decide for yourself if this is a good fit
We’ve tested it extensively ourselves, and it’s genuinely brilliant
Read the page fully
Listen carefully to the testimonials(especially this part – real voices matter)
You’ll even hear Susan sharing why this has become our home business home and why we’re so confident recommending it
This isn’t about convincing you
It’s about giving you the space and tools to decide
Both informed and empowered
Open up Sage our AI chat 💬and ask anything that’s on your mind
Test it for yourself (we did)
At the heart of this (in case you are new to our newsletter) is the Home Business Academy (HBA)
The education, community, and systems we personally use and trust
It’s been a cornerstone of how we’ve built our residual income, flexibility
and a lifestyle business that supports life (not the other way around)
And now, with the Triple Residual Formula, the path is clearer and faster than ever
We want you to have what we’ve got and build your escape from whatever is currently holding you back
If you’ve felt that nudge to do something different…
If you don’t want to look back on 2026 wishing you’d acted sooner…
This might be that moment
No pressure
No hype
Just information, transparency, and a chance to choose FOR YOURSELF
We’ll leave you to test out our new page and ask your questions
Do let us know how you got on
Chris & Susan
As Lutz says, change is never easy but it’s definitely possible if you are open to doing things differently
We have many years ahead of us and be healthy enough to enjoy those years
Lutz’s tips to starting a side hustle or trying something new :
Find someone you know, like and trust and who have done what you want to do and take advice from them
Make sure that what you do will solve a problem for someone
Don’t let anyone or anything hold you back
Get coaching
Face the fear and work on your mindset and personal development
Give it a try because if you don’t you will never know
Sometimes there are opportunities you don’t even know about – just be open to what is there for you
Thank you for joining us and listening to our chat with Lutz Marten and hope his story inspires you to think about your own life and what may lie ahead for you
We look forward to seeing you on the next Living The Retirement Lifestyle Podcast
Think about some of the most successful businesses around today. Chances are, those that came to mind have – or are founded on – strong, simple and easy to understand concepts as Adil mentions referring to Leonardo da Vinci
“Simplicity is the ultimate sophistication.”
Skipping to the end of the interview we loved Adil’s idea of searching Faceless You Tube Channels and found you a blog so you can check that out for yourself. We’ll definitely be following up on the travel idea and it’s got us thinking of other industries too…
If you are looking at Adil’s copywriting we recommend you start here – GreatestCopywriterAlive.com We love the way he writes and if you have ever opened your email account and wished you had someone write like they knew you then you will love ❤️this. That’s definitely how we want people to feel when they open our emails
He’s got lots of value to share so check out his posts if you want to dig into all things marketing because he knows a lot of people and always willing to share tips and strategies
Thanks for tuning in to our podcast and show and it gave you food for thought about what lies ahead in your retirement planning and that you make sure to budget for fun as well as the necessities of life
If you have ever had any doubt about the power of challenges, networking and making connections we hope that Faz’s story of how he overcame his challenges, the people he met and those who helped him reach his goals will give you the encouragement you need to face your fears and step over the line.
Today Faz has authored books on property, has his own company and mentorship program designed for people looking to do what he’s done and all because of a chance meeting he could have missed by 5 seconds!
We asked him for his final words of encouragement and were not surprised to hear him say
“Whatever the mind can conceive, it can achieve”
And the image from his Facebook just says it all!
Faz is a truly humble man and shows much gratitude for the opportunities hard work and connections has given him. We wish him much future success in the world of property.
We chose our own favourite from his social media
“Today is your opportunity to build the tomorrow you actually want.”
It’s a journey worth taking and a goal worth fighting for.
We only live once, and if you’re up for it. Let’s see what you’re capable of in the business world. Design your ideal life…”
RESOURCES
You can get in touch with Faz here to find out more
Thanks for joining us for How A Chance Meeting Change My Life
bridge the gap
And a business was born – one that began by helping small businesses get a better presence online and collect those all important leads and learn how to communicate and nurture those those leads until some became their customers or clients.
Her next realisation was that there were a lot of successful women making incredible amounts of money using the internet and conversely many were living paycheck to paycheck and had little or no plan for their retirement.
Another seed was sown!
She shared with us how on a recent economic forum she learnt that something like 60% of the wealth in the UK is going to be owned by women by 2025. It’s a massive market and spotting an opportunity that’s where her focus is today, championing women entrepreneurs. Plus finding ways to grow faster without so much effort and time and harnessing other ways to generate legacy wealth, all of which she can include inside her coaching business.
This led to the birth of Iconic Wealth For Women and the focus of her business today.
With over 7 years solid business experience, followed by 3 years running an online coaching business. She’s uniquely positioned with REAL business experience to help her clients leverage their knowledge, develop additional income streams and help them on a journey towards more freedom and more income.
Don’t stay set in your ways as you get older. The internet is here to stay and there’s so many things you could do with a little help and guidance. If you haven’t made plans for your retirement it’s not too late – get some advice and get started now – every little helps!
And her motto
“work less and earn more, whilst making an impact and changing other peoples lives”
If you want to follow Kylie you can connect with her on her favourite social media platform and website
We hope you’ve enjoyed listening to Kylie and her plans for the future. We think she’s got her retirement nailed and hope that you got some ideas from it for your own path and that if you need to you that you find ways to add some extra income to give you the retirement you hoped for.
After all the pandemic years will be something that will be talked about for a very long time and we reckon his satirical look at those times would be a hit!
If you’re intrigued we highly recommend you pick up and read It’s About Time and connect with Neil if you have any questions (detail on his website below)
You’ll find him on Twitter @iamneilboss and on LinkenIn he’s @NeilBoss
We don’t know about you but we hope there’s a sequel or two in the pipeline and if future books are anything like his first there’s definitely important messages the world needs to hear
Thanks for joining us on today’s podcast and look forward to seeing you next time…
Could you write a book?
Tune it for a future podcast to find out
Who wouldn’t like to create a success story from a little “opportunity” like that and add a philanthropic element too!
A side hustle that didn’t cost a lot of money, requiring only some creative thinking and making it work ! Culminating in a a perfect lifestyle business that he was able to sell on after the girls left the nest for a life of their own.
Proof that it’s possible to start a business in your 50’s or 60’s that doesn’t have to be your next Richard Branson business but one that can be fun, make a bit of money from and have the lifestyle you want.
Final words form Peter…
No matter how old your are or what skills you have if you have a passion and can put some thought behind it who knows what you can achieve. It’s definitely not as difficult or scary as some people believe… and it can be a lot of fun!
We do hope you enjoyed this chat about side hustles and how you can not only do something yourself but pass down those lessons to your children that they can use in later life
Bob told us he was working now because he wanted to and he was having fun doing it but that the danger was loving it so much you lose track of time and end up compromising your lifestyle and that’s not how it should be so you have to set boundaries. Time in the office for work. Time in the home for relationships, family and fun.
I want to be that person just like you and Susan where I can say I’ve been in the trenches and because of that can help fill the gaps for others because of what I know that they won’t have to spend endless hours and days trying to find out.
We know from our own experience that self belief and ‘will it work for me‘ are the conversations that go on inside the heads of people looking at this entrepreneurship thing so we asked Bob how he approaches this. His answer was quite interesting but actually really sensible. “We become their role models” he said. “Almost but not quite like their parents LOL 🤣 These people are watching you and they need to see that you are doing what they want to do.You’ve got to share with them the results of what you’re doing aka the lifestyle but also that it takes work to achieve those results.“
We asked Bob to share his favourites and like us he went straight for the classics we all know and love – Think & Grow Rich by Napoleon Hill, The Slight Edge by Jeff Olsen, The Strangest Secret by Earl Nightingale. We definitely agree on these and added to it The Go-Giver by Bob Burg and John David Mann.
We couldn’t end our chat without asking Bob for his final words of wisdom. We loved that he said “keep it simple… There are many moving parts of a business – things you must do every day like generate leads, make sales, grow your audience, build your list… those are the important things that will move your business forward.” Added to that because it’s super important is setting yourself a goal or goals.
Here’s an example Bob uses. If you are in network marketing for example, and your goal is to build that business then the income producing activities you need to focus on are prospecting and showing your company’s presentation to as many people as you can and following up and supporting your team and customers. Do these things first before anything else and you can say you’ve had a successful day. And when you get better it takes less time than in the beginning!
Last but not least don’t work just to work – work with intention and make sure it’s doing something that gives you joy. Something that turns you on or just don’t do it because it won’t work out well.
Gosh there was a lot of wisdom for you to digest during our chat with Bob and hope you enjoyed it as much as we did.
We read on a recent post of his on Facebook which really sums it up
So grateful for the life we now have.
It wasn’t always like this.
There were many years of living paycheck to paycheck and having more month at the end of our money.
There were lost weekends at work and putting off vacations.
Thanks so much for joining us and learning why we and Bob and Rosemary believe that entrepreneurship in retirement is not only a way to generate an income so you are not dependent on your government during this time of life but also a way of living a good life and doing it in a way you love while also helping others
