*Warning*

This could be a confronting episode! Jac & Ral discuss the tragedy of the traditional retirement model…. If you die with money in the bank, you’ve essentially wasted life energy it took to earn that money. A theory also shared by Bill Perkins who wrote the book Die With Zero.

Ral convinces Jac (and herself recently when booking expensive accommodation!) when you spend money on an experience early in life, you don’t just enjoy it in the moment. You get to reap the rewards of those memories for the rest of your life.

Jac is sold! She says your wealth should actually peak before you retire, usually between ages 45 and 60 depending on your health and goals. After that peak, you should actively start spending down your wealth to fund those experiences while you still have the health and vitality to enjoy them.

Agree or disagree? Either way it’s about balancing health, time and wealth and that’s keeping it real 😊

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Produced by Keehlan Ferrari-Brown