Retirement Starts Today

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Most people plan for retirement by focusing on their finances—building up a nest egg, securing passive income, and minimizing taxes. But what if that’s only part of the equation? Many retirees find themselves financially secure yet feeling unexpectedly lost, disengaged, or even unhappy. The truth is, money alone doesn’t guarantee a fulfilling retirement.

Dr. Daniel Crosby explains how work naturally provides purpose, engagement, relationships, and growth—key elements we often lose in retirement without realizing it. Without a plan to replace them, retirees risk dissatisfaction, depression, and even health issues.

The good news? By proactively designing your retirement around these five pillars—positive experiences, engagement, relationships, meaning, and growth—you can create a life that is just as rich in purpose as it is in financial security.

Whether it’s through hobbies, social groups, volunteering, or personal growth, Dr. Crosby shares how to build a retirement that keeps you mentally, emotionally, and socially fulfilled for decades to come.

• (0:00) Introduction
• (1:30) The unexpected struggles of retirement
• (2:40) The five facets of a meaningful life
• (6:23) How to intentionally rebuild purpose after retiring
• (9:50) The hidden danger of loneliness in retirement
• (14:30) Why purpose-driven money decisions matter
• (22:50) A hilarious twist: How Elon Musk “stole” from Dr. Crosby!

• The Retirement Podcast Network
• Dr. Daniel Crosby’s Book – The Soul of Wealth (Amazon)
• Dr. Daniel Crosby’s Podcast – Standard Deviations (Podcast)
• CDC Report on Loneliness & Health Risks (Report)

• Chief Behavioral Officer bio
• His Twitter/X: @danielcrosby
• His LinkedIn: Dr. Daniel Crosby

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What would you say your retirement confidence level is? If you’re like many super-savers, it may be surprisingly low.

In this episode of Retirement Starts Today, we’ll explore an article from Investment News that dives into a phenomenon where wealthier Americans who are confident in their money management skills still feel shaky about retirement and transferring their wealth to their heirs.

Listen in to learn how to become more confident in your retirement plan and stick around for the listener question where we discuss just how safe annuities really are.

• [1:22] Why are supersavers not confident in their retirement plans?
• [4:18] How to become more confident in your retirement plan
• [7:56] How safe are annuities?

• The Retirement Podcast Network
• BOOK - Die with Zero by Bill Perkins
• Investment News article

• Get the Retire-Ready Toolkit:http://retirementstartstodayradio.com/
• Follow Ben on Twitter:https://twitter.com/retiremeasap
• Join the newsletter: https://retirementstartstodayradio.com/newsletter
• Dive deeper into retirement planning with Ben at www.RetirementIncome.University

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Jim is only 3 weeks away from retiring and wants to know my top tips for someone approaching retirement. If you are on the countdown to retirement, make sure to listen to the listener's questions to hear what they are.

In the retirement headlines segment, we’ll explore the benefits of using a bucket withdrawal strategy for investments. You may be surprised to hear what the actual benefit of using the bucket strategy is. Listen in to hear what the bucket strategy can do for your retirement.

• [1:22] Do bucket withdrawal strategies work well in retirement?
• [6:35] 3 Practical tips for someone retiring in 3-5 weeks

• WSJ article - Do ‘Bucket’ Investment Strategies Make Sense in Retirement?
• BOOK - Miracle Morning by Hal Elrod
• Future Self video

• Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com/
• Follow Ben on Twitter: https://twitter.com/retiremeasap
• Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter

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Apple Podcasts, Stitcher, TuneIn, Podbean, Player FM, iHeart, or Spotify