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Aug 4, 2022

On today’s episode, we’re going to explore the 4 phases in life, each being 8,000 days or 22 years: the honeymoon phase, the big decision phase, navigating longevity phase, and the solo journey phase. While they can be interchangeable each plays a special part in our lives and we have very similar phases in retirement.

The Honeymoon Phase (65 to 74)

This is where you are typically just entering retirement (while some people may retire earlier). These are your healthy years. You have an average of 20 more healthy years. Everything’s changed because you are retired, but physically not much has changed.

What are you going to do with your time? Will you travel? Or will you spend time exploring hobbies? A lot more people are considering working into retirement as the definition of retirement evolves. These are the go-go years.

The Big Decision Phase

This phase is characterized by more free time and you end up making more big decisions. The worries of work have faded from your mind and now you’re stuck making decisions about everyday life. Where are you going to live? How will you cope with housing repairs? Housing is a continuum rather than just somewhere you live while raising a family. Deciding what to do with the house is one of the biggest decisions a retiree makes.

Navigating the Longevity Phase

This is where the logistics of health planning and long-term care planning really become important and time-consuming. With increased appointments, prescriptions, and the possibility of limited mobility we need to consider how we’ll manage healthcare in our later years. The cost of healthcare becomes a lot more expensive after the age of 65.

The Solo Journey Phase

If your spouse passes away, are you prepared financially? The average age of widowhood is 59, so these phases aren’t chronological. The divorce rate over 50 has also doubled. While the kids are likely out of the house, you still need enough to support yourself if you find yourself on the solo journey.

Check out the full episode or use the timestamps below to hear a specific segment.

1:22 – Phases of life and retirement

5:11 – Honeymoon phase

8:58 – Interested in still working?

12:52 – The big decision phase

15:42 – Access to community

18:05 – Navigating longevity phase

22:32 – We live a long time

25:00 – The solo journey phase

29:40 – Seeing our own mortality

32:26 – Trust yourself!


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