About this episode
Are you delaying retirement, working for "just one more year" to feel ready? In this episode, Ari and James dive into goalpost planning—the tendency to postpone retirement over financial or emotional uncertainties. Learn how to prioritize life goals over arbitrary benchmarks, like saving $1M or following a generic 60/40 portfolio strategy. 🎙️ Highlights from the conversation: The emotional challenges of leaving work and finding purpose in retirement Why cash flow matters more than hitting a specific savings number Real-life example: a mid-50s teacher couple weighing part-time work, pensions, and travel The truth about 60/40 portfolios and inflation-proof investing Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - Goalpost planning 3:09 - Procrastinating finding meaning 4:42 - Tradeoffs 6:43 - An example 9:20 - Initial analysis 12:48 - Roleplaying 15:09 - Use your PTO 18:01 - Allocation 20:39 - No cookie-cutter formula Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!