Easy Listening

Women's Retirement Radio returns...

Good morning folks!

First off, I’m excited to share that I’m firing up my podcast again.

It’s called Women’s Retirement Radio, and I’ll be covering - along with the help of some wonderful guests - all things retirement for women and their families.

In fact, you can go here to listen to some past episodes and subscribe via your preferred podcast app so you don’t miss an episode.

I have more than half a dozen recording sessions already scheduled and plan to start publishing them in late May.

If you have any suggested topics or recommended guests for future podcast episodes, please hit reply and let me know.

And I hope you’ll give it a listen… 🎧

Whose Goals Are These?

I read this quote recently and it really stuck with me:

The reason that most of us are unhappy most of the time is that we set our goals not for the person we’re going to be when we reach them, but we set our goals for the person we are when we set them. - Jim Coudal

Not sure about you, but that really makes me think…

Just like the financial planning work I do with folks like you, the absolute best we can do is to make decisions and put plans in place based on all the information available to us and what we know right now.


And our life and financial goals are bound by the same limits.

We make plans and set goals based on who we are and what we know about ourselves and our circumstances today.

But things change.

It’s inevitable.

And these changes impact you and I on a personal level, don’t they?

As we deal with happiness, heartache, and everything in between on our journey through life, we’re constantly evolving and responding to our environment, the people around us, and the decisions we make along the way.

Of course, this doesn’t imply goal setting or financial planning is futile.

Not at all.

It simply means you’re kidding yourself if you think you can create a financial plan and think it will age well in the coming weeks, months, or years.

Things will change with your money.

But, things will also change with YOU.

And that’s just another reason why ongoing financial planning is very different from, and much more effective than, creating a financial plan which is a one-time event.

A snapshot in time. 📷

Based solely on what we know today.

Ongoing planning, on the other hand, facilitates the process of regularly reviewing where we’ve been, where we are today, and allows us to accommodate new information into our thinking and decision making.

This helps keep your plan more up to date and more reflective of the person you are and the direction you want to go.

And yep, you guessed it… this will help ensure that your goals remain YOUR goals despite the natural up, downs, and course corrections in your life.

Otherwise, you could wind up at age 57 still focused on the goals the 37-year-old you put in place 2 decades ago.

And while that may work out OK, why leave it to chance?

An Antidote To Envy

Maybe this image rings true for you.

I know there have been times when I’ve had this exact thought…

The image above comes from this article from Lawrence Yeo where he tackles the tricky topic of envy.

If you give this article a read - and I encourage you to - be sure to read through the end where he offers 3 steps to defeat envy.

I’ve written before about the problems with simply wanting “more” vs finding what “enough” means to you.

But I think the image above also raises an interesting question:

How do you define “rich?”

Or “wealthy?”

That’s it for this week, but these are topics I’d like to circle back to in a future weekly letter.

In the interim, if you have any comments or opinions on things like:

  • More vs enough

  • Envy

  • What is being rich/wealthy?

Please hit reply and let me know what’s on your mind.

Or, you can:

Leave a comment

Thank you for reading.

Until next Wednesday,


Retirement Planning for Women

Postscript: Elizabeth and I celebrated a milestone anniversary yesterday and are taking some time off next week for a beach vacation. I hope to not miss a weekly letter, but just a heads up in case you don’t hear from me in the next week or two.