We’re all sold this dream of retirement:
• Finally having time with family
• Reconnecting with old friends
• Traveling the world with our spouse
• Playing tennis every morning
• Climbing Kilimanjaro
• Creating epic memories
But here’s the uncomfortable truth I’ve observed:
Life follows a cruel formula:
𝗬𝗼𝘂𝗻𝗴:
✓ Endless energy
✓ Abundant time
✗ No money
𝗠𝗶𝗱-𝗖𝗮𝗿𝗲𝗲𝗿:
✓ Growing wealth
✗ No time
✗ Declining energy
𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁:
✓ Plenty of money
✓ All the time
✗ Limited health & energy
The reality at 67?
• Kids have their own lives (if you still have a relationship), that window has closed
• Friends? What friends? You were “too busy” to maintain those
• Spouse has her own routine (built during your 60-hour workweeks)
• Body says “no” to most adventures you dreamed of
Here’s the paradigm shift we need:
𝗧𝗵𝗲 𝗡𝗲𝘄 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗙𝗼𝗿𝗺𝘂𝗹𝗮:
20s-30s:
Invest heavily in memories. Your income will rise, but your energy won’t.
40s-50s:
Balance wealth-building with life-building.
60s+:
If you’re still obsessed with saving… what for?
What experiences will it buy you in the future?
Because here’s what no financial advisor tells you:
You don’t retire to money.
You retire to memories.
Money’s power to create happiness drops with age.
But memories? They compound.
The time to live is now.
Not “someday.”
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