In today's conversation, we tackle a reality more people are facing: living to 100 is becoming the new normal. Over the last century, we've been gifted an extra 30 years of life expectancy, but this blessing comes with serious questions. Will our health hold up? Will our money last? The old "retire and die in a few years" model is officially broken, and we need a completely different approach to planning. Together, Randy, Nic, and Aaron explore what it really takes to thrive through a 30-year retirement.

From the #1 "medication" for quality longevity (spoiler: it's not a pill) to the three financial "silent killers" eroding your spending power, this episode is packed with practical wisdom. Whether you're planning to stay active, maintain community connections, or ensure your investment portfolio can weather multiple economic seasons, we're breaking down how to make your resources as resilient as your spirit.

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⏱️ Episode Timeline & Highlights

[01:16] – More people are living to 100, what this mean for your retirement plan

[03:43] – Why the "retire and die" model is extinct: Live Long, Die Short

[05:35] – The #1 "medication" for longevity [06:19] – Why isolation kills, and community connection heals

[09:59] – The three financial silent killers: healthcare, taxes, and inflation

[12:09] – Real inflation for retirees is closer to 6%, not 3%

[15:15] – The "Probate Judge Test" for prudent investing

[18:52] – Why liquidity matters when government and markets keep changing

[20:06] – Get a second opinion, your money is too important not to

[23:06] – Building a plan that works through chaos and change

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Links & Resources Mentioned

• Book: Live Long, Die Short by Dr. Roger Landry

• Email the coaches: connect@yourretirementcoach.com

• Yeomans Consulting Group – Comprehensive retirement planning in Marietta, Georgia

• Subscribe to Coffee with Your Retirement Coach on your favorite podcast platform

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If today's episode made you realize your current plan might not last as long as you think, don't wait for a financial "flat tyre" to check your preparation. Living to 100 requires intentional planning, physically, socially, and financially. The good news? With the right prescriptions (exercise, community, and coordinated financial strategy), you can thrive for decades, not just survive. Subscribe so you never miss a coaching session, and if this helped you, please rate, review, and share with someone planning for the long haul. Stay coachable!

🛑 Disclaimer:

Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

If you're over 50 and even *thinking* about probate, accidental inheritance, or whether your estate plan will actually work the way you intend—it's time to grab a cup of coffee and lean in. In today's episode, we dive into the real-world estate planning mistakes we see far too often, and why having "the documents" doesn't necessarily mean you have a plan.

We unpack why so many well-intentioned families still end up in court, accidentally disinherit loved ones, or create unnecessary taxes and family tension. From wills vs. beneficiary forms to revocable living trusts, family communication, and settling your estate *while you're still alive*, this conversation is packed with eye-opening insights and practical clarity to help you protect the people you care about most—without spoilers, but with plenty of "aha" moments.

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## Timeline Highlights

[0:00] – Why probate and accidental disinheritance become top concerns after age 50

[2:25] – The big myth: why having a will does *not* avoid probate

[4:00] – How beneficiary forms silently override your will (Rock beats scissors)

[7:12] – The costly mistake of naming your estate as a beneficiary

[10:38] – "The documents are not the plan": why most estate plans fail

[13:45] – Family communication and the "not me, not now" syndrome

[23:21] – Revocable living trusts explained—and who they're really for

[30:00] – How to truly settle your estate before you pass and protect future generations

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## Links & Resources

* Email the coaches with questions or episode ideas: **connect@yourretirementcoach.com**

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## Like & Share

If today's episode helped you think differently about probate, inheritance, or protecting your family, please take a moment to **follow, rate, review, and share** the podcast with someone who needs to hear it. And as always—thanks for having coffee with us. Stay coachable. ☕

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Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

In today's conversation, we sit down with our friend and leadership giant Mark Cole, CEO of Maxwell Leadership Companies, for a powerful deep dive into what it truly looks like to move from success to significance—especially as we enter retirement or the pre-retirement years. This episode is packed with insights on purpose, identity, calling, and what it means for us to step into the next chapter of life with clarity and excitement rather than uncertainty.

Together, we explore the internal shifts that happen when we transition out of a title or high-pressure role, the mindset needed to carry our influence into the future, and the disciplines that help us continue growing well beyond the traditional career "finish line." Whether we're preparing for retirement or stepping into a new season of leadership, this conversation encourages us to pursue purpose intentionally and boldly.

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⏱️ Episode Timeline & Highlights

[3:33] – Welcoming Mark & framing today's conversation.

[6:07] – The global scale of Maxwell Leadership's impact.

[11:08] – The mindset needed for our next chapter.

[16:36] – Redefining success and embracing significance.

[21:46] – Mark's vulnerable identity breakthrough.

[26:37] – How we can build our own Year-End Review process.

[36:36] – Three keys for staying disciplined when motivation fades.

[52:10] – A 30-day challenge to discover our personal "Rule of Five."

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Links & Resources Mentioned

• Maxwell Leadership Podcast – Weekly leadership growth lessons

• Books by John C. Maxwell, including The 21 Irrefutable Laws of Leadership

• Bob Buford – Halftime

• Maxwell Leadership Foundation & iLead Student Curriculum

• Your Retirement Coach / Yeomans Consulting Group

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Closing Thoughts

If today's episode encouraged or inspired you, would you take a moment to rate, follow, share, and review the podcast? It helps us reach more people who want to retire with purpose, passion, and confidence.

Remember—our best days aren't behind us. They are ahead. Let's keep moving toward the future with intention and excitement.

In this special Thanksgiving episode, we explore how cultivating an attitude of gratitude can be a game-changer for your mental wellbeing - even when you've achieved significant success in life. I share why some of the most accomplished people can actually feel miserable despite their achievements, and how a simple gratitude exercise can transform your perspective during challenging times.

My colleagues and I discuss our favorite Thanksgiving traditions (I'm partial to deviled eggs while my co-host loves smoking turkey), but we quickly dive into the powerful psychology behind gratitude practices. You'll learn a proven four-step exercise that can pull you out of negativity and help you recognize your progress, even when you feel stuck in "the gap" between where you are and where you want to be.

00:00 - Thanksgiving traditions and holiday favorites

01:49 - Why gratitude matters during challenging holiday seasons

03:56 - The paradox: Why successful people often feel unhappy

06:09 - The Positive Focus Exercise: How to count your wins

09:46 - Turning appreciation into action: The full 4-step process

12:08 - How helping others creates a happiness advantage

13:22 - The "Accidental Hero" story: Finding joy in unexpected places

14:49 - Simple ways to be a blessing to others this season

16:34 - How to share your gratitude stories with us

📧 Email us your gratitude stories: connect@yourretirementcoach.com

📚 Book Recommendation: "The Happiness Advantage" by Shawn Achor

🎙️ Subscribe for more retirement wisdom and financial insights

The holidays can be a mixed bag of emotions for many people. Whether you're feeling blessed or struggling through a difficult season, I hope this episode gives you practical tools to find moments of gratitude. Remember, sometimes the smallest gestures of kindness - whether given or received - can make the biggest difference. If you found value in these insights, please like this video, leave a comment sharing what you're grateful for, and subscribe for more retirement wisdom.

#RetirementPlanning

#AttitudeOfGratitude

#MentalWellbeing

#FinancialSuccess

#ThanksgivingWisdom

#RetirementCoach

#GratitudePractice

#MindsetShift

#PositiveFocus

#FinancialWellness

#WealthManagement

#StrategyCoach

In this episode, Nic and I break down one of the most misunderstood concepts in estate planning: step-up in basis. We explain what basis is, why a step-up matters, and how common mistakes can cost your loved ones thousands in unnecessary taxes.

If you've ever nodded along in conversations about basis while having no idea what it means, this episode is for you! We share real-world examples of how adding children to property deeds and accounts before death can create massive tax implications that could have been easily avoided with proper planning.

00:00 - Introduction to basis and step-up in basis

00:21 - Why understanding basis matters to your legacy

02:15 - What exactly is "basis" and how does it work?

03:41 - Common mistakes people make with property titles

05:11 - The tax consequences of gifting vs inheriting

06:16 - Why adding children to bank accounts is problematic

06:43 - Better alternatives for estate planning

08:25 - Closing thoughts on staying "coachable"

📧 Have questions? Email us: connect@yourretirementcoach.com

🔍 For more retirement planning insights: yourretirementcoach.com

📱 Follow us on social media: [links]

📺 Subscribe to our channel for weekly retirement planning tips

Thanks for joining us for another episode! Understanding concepts like step-up in basis might seem technical, but getting these details right can save your family significant money and headaches down the road.

If you found this helpful, please hit that like button, subscribe to our channel, and share this video with someone who needs this information. Stay coachable, my friends!

🛑 Disclaimer: Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

#RetirementPlanning

#StepUpInBasis

#EstatePlanning

#TaxStrategy

#FinancialEducation

#RetirementCoach

#CapitalGains

#WealthTransfer

#InheritanceTax

#FinancialLiteracy

#TaxOptimization

#RetirementTips

Let's be honest — not everyone loves talking about money. In many marriages, one spouse takes the financial lead while the other says, *"It's just not my thing."* But what happens when the person who handles the finances isn't around anymore?

In this episode of *Coffee with Your Retirement Coach*, I sit down with **Coach Nic Yeomans** to talk about how couples can protect themselves — and each other — financially. We break down how to plan, organize, and communicate around money, even when it feels uncomfortable or confusing.

Whether you're the spouse who handles the books or the one who'd rather not think about them, this episode is packed with practical steps for creating clarity, confidence, and peace of mind in your financial life.

**Keywords:** retirement planning for couples, financial communication, financial literacy, money in marriage, financial planning, retirement advice, spousal planning, money management

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### **Timestamps**

00:00 – "It's just not my thing." Why money can be a tough topic in marriage

01:07 – How couples divide financial duties (and where that plan fails)

02:32 – What happens when the financial spouse passes first

03:24 – The problem with well-meaning financial advice from friends or family

03:54 – Setting your spouse up for success with financial SOPs and organization

05:02 – Creating financial awareness without overwhelming your partner

06:17 – Why a third-party financial advisor can help bridge communication gaps

07:19 – The importance of empathy and understanding your spouse's comfort zone

08:30 – How attending financial meetings together builds peace of mind

09:02 – Key takeaways: how to protect your family financially, even if "it's not your thing"

10:03 – Closing thoughts: stay coachable, stay connected

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### **Links & Resources**

📧 Contact us: **connect@yourretirementcoach.com**

🌐 Visit **Yeomans Consulting Group** – [Insert link]

🎧 Listen next: [The Nightmare Retirement Assumptions (The Trilogy)]

💼 Learn more about financial planning for couples: [Insert relevant episode link]

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### **Closing Thoughts**

If finances "aren't your thing," that's okay — but your financial security still needs a plan.

As Coach Nic says, *"What good is the best-laid plan if it can't be understood by the person who might need it most?"*

If you found this episode helpful, please **like 👍, comment 💬, and subscribe 🔔** to *Coffee with Your Retirement Coach.*

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Your support helps more couples prepare, plan, and retire with confidence.

#RetirementPlanning #FinancialCoach #MarriageAndMoney #CouplesFinance #RetirementPodcast #MoneyTalks #FinancialPlanning #RetirementAdvice #FinancialLiteracy #RetirementCoach

🛑 Disclaimer:

Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

You asked, and we listened. In this episode of Coffee with Your Retirement Coach, we tackle one of the most common questions we get: "I'm 58 and have $2.4 million saved. Can I retire?" But as you'll hear, it's not just about the number on the page. We dive deep into what that figure could mean for your income, lifestyle, taxes, healthcare, and overall retirement vision.

Join us as we break down the math behind the 4% rule and explore the often-overlooked factors that make or break a retirement plan—things like purpose, timing, Social Security strategy, and where and how you want to live. Plus, we share a real-life success story of a couple who made their beachside retirement dreams a reality.

**Timeline Summary**

[0:06] - The $2.4 million question: Can I retire at 58?

[1:25] - Why cash flow isn't the whole picture (think taxes and purpose)

[2:38] - What a 4% withdrawal rate means for your retirement income

[5:03] - Taking Social Security early: a controversial yet practical option

[6:35] - Bridging the healthcare gap before Medicare kicks in

[9:38] - The missing piece: lifestyle planning and location-based costs

[13:08] - Real-life case: high-end travel vs. smart budgeting trade-offs

[14:52] - Tax planning strategies to keep more of what you've earned

[16:48] - The power of a retirement coach and building your dream team

[18:08] - Client success story: from $2.4M to sunset strolls by the beach

**Final Thoughts**

Retiring at 58 with $2.4 million? It's possible—but your success depends on your income needs, healthcare planning, tax strategy, and what kind of life you want to lead. If this episode hit close to home, subscribe, share it with a friend, and leave us a review. And as always, stay coachable!

📬 Questions?

Email: [connect@yourretirementcoach.com](mailto:connect@yourretirementcoach.com)

Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972

🛑 Disclaimer:

Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

What would you do if your company sold, your stock was cashed out, and you suddenly found yourself with $5 million in hand? In this episode, Nic and I dive into the reality of experiencing a once-in-a-lifetime windfall and all the opportunities — and challenges — that come with it.

We explore the first critical steps you need to take before making big financial decisions, from understanding the tax implications to planning for long-term income and security. Whether you're dreaming of retiring tomorrow or just trying to figure out what Uncle Sam's cut will be, this conversation will give you a grounded perspective on how to approach sudden wealth wisely.

Timeline Summary

[0:45] – Setting the stage: your company sells, your stock cashes out, and a $5M windfall arrives

[3:22] – Why this might be the biggest financial event of your life

[6:18] – The first place to start: navigating taxes before spending

[9:40] – Real-world examples: from tech startups to natural food brands

[12:55] – Breaking down what a $5M payout can actually mean for your future income

[16:10] – Retirement readiness: could you really stop working today?

[20:45] – Building a strategy to make wealth last a lifetime

Links & Resources

Learn more at [https://YourRetirementCoach.com](https://yourretirementcoach.com/)

Connect with Nic on LinkedIn: https://www.linkedin.com/in/nicyeomans/

Schedule a consultation: https://www.yourretirementcoach.com/free-consultation

If you enjoyed this episode, please rate, follow, and leave a review. It really helps spread the word so more listeners can find Coffee with Your Retirement Coach!

📬 Questions?

Email: [connect@yourretirementcoach.com](mailto:connect@yourretirementcoach.com)

Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972

🛑 Disclaimer:

Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.