Show cover of Rock Your Retirement Show

Rock Your Retirement Show

Retirement isn’t just about money. In our show we talk about the other things that will impact you such as: Social and Family Adventure and Travel Volunteer and Philanthropy Spiritual/soul Sex in retirement (I usually have therapists discuss this topic) Helping your parents/sandwich generation issues Baby Boomers are often helping both their children and their parents at the same time. Our goal is to help you have a great retirement, regardless of the amount of money you’ve saved. We want you to Rock Your Retirement!

Tracks

Learning Moments in Retirement
Kathe Kline talks with columnist Steve Lopez about retirement and retirement lifestyle
40:06 1/9/23
Summer of Reconnecting
The Rock Your Retirement show talks with new retiree Barbara Mock about her summer of reconnecting.
39:29 8/29/22
Adapting in Retirement with Barbara Mock
Barbara Mock is back on the Rock Your Retirement show to update us on what is going on in her world and how her retirement is going.
31:41 6/27/22
Kindness Keeps Marriages Together
In this episode, I will share a few secrets about relationships. If you are not married, you can use this information with your friendships so keep listening! We'll be talking about the following: • Be flexible - things don't always go as planned. • Have Adventures with each other. • Take time for yourself too. • Be kind!
22:27 5/9/22
Retirement journey updates with Kathe and Barbara
We update the listener on Kathe and her journey toward retirement and also give an update on Barbara Mock’s retirement adventures.
41:14 2/21/22
End of 2021 with Barbara Mock's Retirement Journey
Barbara Mock talks about her Thanksgiving Holiday, a new RV adventure, and her goals going into 2022.
48:40 12/27/21
Section 16: Barbara's RV Retirement Adventure Part 2
Kathe Kline talks with Barbara Mock about retirement lifestyle and her RV Retirement Adventure.
47:29 11/29/21
Section 15: The RV
In this episode, Barbara tells us about how she and her husband decided on a huge new purchase, and the feelings they are having about it.
42:02 10/25/21
Section 14: Finding our Purpose in Life
For this episode, Kathe Kline gives us an update on her retirement quest. We have a health segment on Pickleball, and Barbara will give an update on how her actual retirement is going.
43:58 9/27/21
Section 13: Pre-Retirement and Post-Retirement
As you may know, we have been following Barbara Mock’s retirement. This is our one-year anniversary. Barbara went from pre-retirement in other words, the preannouncement to the day of the announcement and now we are following her post-retirement
41:54 8/30/21
Section 12: Focusing on Health in Retirement
Barbara Mock and Kathe Kline discuss health in retirement. Barbara has had some people close to her with some health issues. When loved ones have health issues we tend to rethink our priorities. We also talk about renting e-bikes and what is next in Barbara's retirement journey.
51:09 7/27/21
Section 11: Retirement Lifestyle- Endless Summer Vacation
We last spoke with Barbara about a month ago and she is still in the honeymoon stage of retirement. She said it is like she is on an endless summer vacation. Barbara and her husband were planning a trip to St. George Utah, but they decided since she is retired, and they have more time, and life is more flexible, that they would drive instead of fly. Her husband planned a wonderful trip to get to their destination. They went from Washington to Oregon and from Oregon to Boise, Idaho, and then to Utah from there.
43:32 6/28/21
Section 10: The Honeymoon Stage of Retirement
Starting in August of 2020, we started following the life of a pre-retiree Barbara Mock. The goal was to follow her from pre-retirement through the retirement process so you and I can live vicariously through her experience. We want to know what's happening as she goes through the process so we can better prepare ourselves. Barbara has been retired for a month now, so I asked her what stage of retirement she is in. Barbara says it has been such a fun adventure and it feels a lot like a honeymoon stage. We talk about why it feels like a honeymoon stage and things that have helped Barbara transition so quickly.
38:50 5/31/21
Section 9: Farewells During a Pandemic
Retirement is a time that marks the passage from a life full of work to a life of leisure, accomplishment, and choice. As most people feel defined by their job, that transition to retirement is not always easy. Like other major life transitions, it can be filled with various emotions and concerns and it has been a crazy two weeks of farewell for Barbara. Not everyone would actually go through what she did, but some people would. And it's good to be prepared for the emotional roller coaster. Besides, retirement marked as a life passage into the next chapter of your life.
40:24 4/26/21
Section 8: A Month of Goodbye
Starting in August of 2020, we started following the life of a pre-retiree Barbara Mock. The goal was to follow her from pre-retirement through the retirement process. So you and I can live vicariously through her experience. We want to know what's happening as she goes through this process. So we can better prepare ourselves. Barbara's retirement date is finally here and she will officially be retired by the end of March 2020. It comes with plenty of mixed emotions for Barbara. This month is a lot of final goodbyes and last things which feels very surreal.
40:33 3/29/21
Section 7: Health Issues During COVID
Today, we will talk about one of the Six Pillars of Retirement Lifestyle. Just to refresh your memory, the six pillars are spiritual, significant other, friendship, purpose, family, and health. And we're going to be starting new short health segments. And so I thought we would kick that off by talking about what if anything we are doing about our health, or if a lot like a lot of you, maybe we're struggling in that area of health. After almost a year of being cooped up, I know that a lot of us have either physical or mental health struggles.
39:24 2/22/21
Section 6: Goals and Intentions
Get On the Right Track Setting goals isn't enough. Though it helps us to create a plan, see the future, and stay on track to get things done, there's still a downside to goal setting. Setting and living your intentions allows you to focus on who you are in the moment, recognize and live your values, and raise your emotional energy, which in turn, raises your physical energy. Join us today in As of this recording, she's still waiting for her retirement date, which is coming up at the end of March 2021. If you're listening to this in the future, start with our first episode of following her journey, and come along with us in sequence so that it'll make more sense.
46:21 1/25/21
Section 5: Contentment in Life
We Try to Convince Ourselves... Most of us thought that happiness is linked to our accomplishments. We convinced ourselves that we’ll find contentment in life when we have an ample amount of money or buy those luxury bags, clothes, or cars that we’re longing for. But the truth is that we can create that feeling of happiness and contentment right now, regardless of any circumstances. Today, Barbara and I will share with you how to come to a place of contentment, in spite of everything that's going on.
20:14 12/28/20
Section 4: Ain't That A Messy Middle - Episode 242
If you are a new listener to the show, we have a lot of back episodes where you can find information that you're looking for. But starting with Episode 239, which was three episodes ago, we started following the life of Barbara mock. This is section one of this one year project, there will be 12 sections, which we will release on a monthly basis, so be sure to subscribe.
32:56 11/23/20
Section 3: Canceled Plans Before Retirement - Ep 241
Give Yourself Something to Look Forward To Sometimes having something to look forward to is more valuable than any money or deposit you might lose. In terms of retirement planning,  Barbara has been listening to all kinds of webinars and seminars that her employer offers. When you're in work mode, these things go past you with these emails and training and classes and you just let them go by and it's kind of like when you're pregnant, you all suddenly see all these other pregnant people. Now that Barbara's on the road to retirement, she's seeing all these opportunities that she didn't pay attention to at work. Every month, there's training and classes that are offered, but there's always one about preparing for retirement. Now there's zoom. She's learned more about deferred compensation and more about Social Security. And then there was one that really aligned with the Rock Your Retirement program where it wasn't anything about money, rather it was about creating your personal definition of retirement. The presenter was talking about the steps of retirement, the stages of retirement, how important it is to redefine who you are, and just the different approaches. The time Barbara's spending in either reading or listening to the Rock Your Retirement podcasts or these classes is just really helping her form an idea of what her life is going to look like in retirement.
33:41 10/26/20
Section 2 - Practicing for Retirement with Barbara Mock (Barbara's Amazing Retirement Journey)
Barbara and Kathe discuss Barbara's "practice retirement" which is a vacation she took at Priest Lake. For full show notes, go to http://RockYourRetirement.com
47:03 9/28/20
Barbara's Amazing Retirement Journey: Section 1
Barbara Mock is getting ready to retire. Here's what's happening. Follow her journey over the next 12 months.
47:09 8/31/20
New Format: We hope you like it!
Kathe pops in your feed to tell you about the new format of the Rock Your Retirement Show.
02:20 8/27/20
How Multi-Generational Living Will Work Ep 237
If you are living in a multi-generational household or considering it, you must listen to this series. Last week we discussed the pros and cons of multi-generational living. Today, we are talking about tips for living in a multi-generational household. Multi-generational living means a single household that includes family members of several generations, grandparents, parents, and children, all under one roof. Was once a cultural phenomenon, has slowly become a national trend. For some families, it’s about caring for aging parents, others have adult children returning home. Also, for some, it’s a cultural expectation. And others have adult children that haven’t left. Learn to Deal with Conflict It's tough from the spouse’s point of view. For Tae’s part, you can't be as a direct daughter-in-law it's hard for his wife to talk to her father-in-law like, “Hey you two you need to clean this up.” Time’s a little bit different, all of us have to contribute in a multi-generational household. To avoid any kind of conflict down the line, Tae would rather do the work upfront. Tae’s wife is not living with her parents, she's living with his parents. So, it's very important to recognize, appreciate, listen to her concerns about a multigenerational household, without being judgmental but just kind of hear her out. Set Boundaries Tae’s family shares a community fridge. Everyone shops at their own timeline and then everybody was just kind of stuff their own things in different sections of the refrigerator. There was this time when Tae’s wife was going to cook and couldn’t find the carrots that they just bought. This is one of those items where you know it keeps coming up. So what they did to fix this problem was they labeled parts of the refrigerator saying, okay this my section, this is the grandma section. We don't go into each other’s sections and everyone's got their own section. We have come up with the system of separating parts of the refrigerator and then just reinforce it on a regular basis. Even Though You're In a Multi-Generational Living, You Still Need to Prioritize Privacy It is recognizing that everyone has their own personal space in the house and one of the things that helped out was having separate spaces within the house. Tae’s family has their own little community area where they can have their television and just sit on their couch. They lay out the things that they want, not getting into each other’s space as regards to like who left the newspaper here or who left tissues here. It’s a place where we can create our own mess, they can create their own mess, and we're not getting into each other’s space. That was very important for them. Split Expenses, Where Possible When Tae’s family decided to cohabitate, Tae would take over the mortgage a majority of the utility expense. His parents thankfully said they would take care of the electric bill and the phone bill. So, to clear things up, they said they would take care of the gas bill, the water bill, the mortgage, and then you guys can get take care of the phone bill and the electric bill. Food is a little interesting because they don't have clear agreements. Tae and his wife would go and do their own shopping at Costco for what they want and then for his parents they would purchase what they want. In a Multi-Generational Living, Going with the Flow Conflicts are going to happen on a weekly basis just because when you have four adults living in the house.
24:42 7/13/20
Is Multi-Generational Living for You? – Ep 235
Are you living in a multi-generational household or considering having your parents move in? Do you take care of aging parents as well as your own children? Do you know someone who is having challenges with caring for their parents? If any of these situations are yours, then this series is for you. If you’re asked to picture a typical American home, you’ll probably imagine a single-family dwelling holding a mom, dad, kids, and maybe a family pet. That picture isn’t as typical as it once was. Today’s family home may also house grandparents or a young adult or two. Multi-generational living is a term used to describe households in which there are at least two adult generations in residence. Two types of multi-generational living are becoming more common in recent years; two-generation households, where adult children live with parents, and three-generation homes, where there are adult children, parents, and grandparents living under the same roof.
23:29 7/6/20
Challenges for the Sandwich Generation -Ep 234
Are you living in a multigenerational household or are you considering having your parents move in? Do you take care of aging parents as well as your own children? Do you know someone who is having challenges with caring for their parents? If any of these situations are yours, then this series is for you. In other countries, the sandwich generation is a cultural thing, and it has been passed on from generation to generation. Therefore, it’s a given. But is it necessarily a bad thing? There is nothing wrong with caring for family members. In last week’s episode, we spoke about what the sandwich generation is and what issues you may face if you are taking care of both your parents and your own children. Today, we’re talking about six lessons for the Sandwich Generation. Now Tae and I didn't get through all six of the lessons in our conversation but they are all listed below Get to Know Everybody’s Finances Growing up as an immigrant family, Tae’s parents didn't know anything about retirement savings, and money wasn't discussed in his household. Tae said when his parents moved in they didn't have a formal sit down but he does have a sense of his parent's financial situation. His father has a small business where he generates a little money from that, but both of his parent's main source of income is Social Security.  He also knew that whatever money that had saved was really the down payment that they had for this home. So his parent's offer was we will help you with the down payment for your home bu you know, that we come with the house and you guys take care of the majority of the overall expenses. The conversation of finances can be tricky because there is a fine line between knowing everything about your parent's financial situation and still respecting his parent’s independence and their decision making. So, definitely, by living together, they were able to have more natural organic conversations where he learns more a little at a time. But he doesn’t know if he could sit down with that and be like ‘alright, let's learn everything'. Understand whose money it is Just because you are responsible for paying all the bills doesn’t mean it’s “your money.” If you can have your parents make some of the financial decisions that is the best way to go. Also, if you have children living with you, make them pay their fair share for certain things. Even if you are able to afford to shoulder the cost alone. Many experts suggest that grown-up children who return to the nest post-college should pay their parents for a portion of the household expenses. “Otherwise, they don’t grow up to be independent. Seek out the right professionals and organizations for help You don't have to do it alone! Unless you’re a financial and legal wiz — and an ace social worker to boot — there’s no way you can manage the myriad affairs of your life, let alone your parents’ lives. If you haven’t already, you’ll want to consider working with a financial adviser for everything from retirement to college planning. You’d also be surprised how much direct help you can get — or referrals to professionals — through government programs or nonprofit organizations. (Best of all: A lot of these resources are free.) A great place to start is your local Area Agency on Aging (these are programs funded through the federal government Find good care If your aging parents need extra care, get help! In the article, the author writes: If there’s a single professional who’s made the greatest difference in my life — and my father’s life — in the past couple of years, it’s the caregiver who spends about 35 hours a week with him.
24:31 6/29/20
The Sandwich Generation – Episode 233
Adults in their 30s - 50s have parents' age 65 and older and are either raising a young child or financially supporting a grown child. With an aging population and a generation of young adults struggling to achieve financial independence, this stress takes a toll not only on personal relationships but also affects the relationship with their spouse, children, and family. But living in a sandwich generation can also provide you with benefits. If you're living in a multi-generational household, you must listen to this series. In today's episode, we'll talk about what exactly is the sandwich generation and what issues are you going to face if you're taking care of both your parents and your own children. My guest today, Tae Kim, is a blogger. He writes about navigating the intersection between personal finance and being part of the sandwich generation. Tae and his wife live with their aging parents while raising their own children and building their careers.
29:28 6/22/20
Baby Boomers Retiring in Mexico- Episode 232
Some baby boomers are moving to and retiring in Mexico. They are doing this not just to save money, but to have a better retirement lifestyle. I talked with Travis Scott Luther who wrote a book called The Fun Side of the Wall: Baby Boomer Retirement in Mexico. Travis completed a thesis in 2010 about baby boomers retiring in Mexico. He received a lot of inquiries about the subject so he decided he would write a book. Unexpected Findings From 2007 through 2009 we were going through that global financial crisis. It was during that time Travis has found this small group of expats in Mexico. What he was most curious about is why anyone would want to leave the United States.  After all, the United States was the best country in the world with the best of everything. His gut told him that perhaps people who might be struggling financially in the US would consider retiring in Mexico to stretch their budget. Maybe they could live more comfortably in Mexico. What he found, was quite to the contrary. The person most likely to move to Mexico was actually a high-income earner. Upper middle class if not upper class. Also highly educated. So what he found was that it wasn't people who were low income but rather people who thought more about their money and some who wanted to even retire early. Baby Boomers who move to Mexico retiring on average 5 years earlier than their US counterparts What about Medical Care when you are Retiring in Mexico? One of the reasons Les and I did not move out of the country and live abroad is because Les was concerned about medical care. Since beginning this podcast, I have talked with many people who live in the US but who go to other countries, including Mexico, to have certain medical procedures done. Travis talks with people who are living in the US and wanting information on retiring in Mexico.  He says that medical care is a very common question and concern people have.  What he discovered is that there are a number of routes to enroll in Mexico's public health system. You can do it through work or if you're not working, you can enroll through residency. Medical enrollment is actually very easy to acquire versus other countries. He says people who are living in Mexico reported that you might have to wait a bit longer to receive care for a non-emergency standard appointment. However, the standard of care you will receive is comparable to the United States. The Language Barrier Travis found that the baby boomers who moved down there had really dove into the culture and learning the language. In a lot of the communities that he visited there is no shortage of at least one expat happy to help you navigate the language barriers. There are also many English speaking Mexicans who have lived in these communities for generations. They are fluent in both English and Spanish. According to Travis it really isn't hard to get around. No one should be fearful of the language barrier and letting it get in the way of retiring in Mexico. Plus, we all have Google translate now at the tip of our fingers. Retirement Lifestyle in Mexico When Travis first went down to Mexico in 2007 for his research, he discovered that the folks who moved to Mexico usually had some kind of personal relationship with a friend or family member who already lived there. So people were much more likely to move if they have some social ties that already existed. In his more recent research, he found that people were more likely to move to Mexico on their own without knowing a single person. Travis attributes this to Social Media and the internet and our ability to keep in touch and form relationships online now. The people that Travis spoke with told him what initially attracted them to the move was the cost savings. However,
38:22 6/15/20
Finding True Love in Your Senior Years -Ep 231
Love is a complex word, which we will be talking about today, specifically finding love during your senior years. Our guest speaker Dr. Joan Bragar has helped successful women use online dating to find a loving life partner. She wrote the book on it called, “Never too Late for Love: The Successful Women's Guide to Online Dating in the Second Half of Life.” She was certified as a relationship coach and she herself met her husband on Match.com and got married at age 62. So she knows what she's talking about! Meeting Someone Online Dr. Bragar got divorced at 58. She's the kind of person who actually likes to live in companionship and love. That is why she knew for a fact that she wanted to remarry. It was her son who was 32 and single at that time, who encouraged her to meet someone online. She'd never heard of it. Her son encouraged her to just try it and she at least thought she would test the waters and try it. Not knowing the person you are dating is one difficulty you encounter when dating online. It is also more difficult to check them out through other people since you don't belong in the same social circle or community. So the four safety rules must be practiced. You don't give your phone number to anybody; you don't give your whole name out, meet someone in public, and only meet for coffee, not for dinner. Practices in Online Dating: Meeting the Right One in Your Senior Years PRACTICE ONE: SET YOUR INTENTION This practice is more of an internal practice. Set your intention and decide what you really want. This is something you need to do before you go online dating. Some people just want to meet casually and meet lots of different people. Others want to be in a committed relationship. It's important to know what you want first, and this takes a bit of work and reflection. There are questions in the book of Dr. Bragar that you can ask yourself to know what you really want at this time in your life. You don't have to tell the person on the first date what you want, but you need to be clear without telling everything. Dr. Bragar also mentioned not to interview the person on a first date. You are just getting to know somebody and it is important to know if you enjoy talking with this person and if you're comfortable with them. However,  it's also important to get to know someone if you're going to choose to live your life with them. Dr. Bragar was able to meet 40 men in 2 years before meeting the right one. Her husband showed up right before her 60th birthday. She made an intention that she would call him by her 59th birthday but that didn't happen. So she made another plan to call him before her 60th birthday. Joan had had a few dates with two other men that didn't feel right and had she not made the intention to call her current husband before her 60th birthday, it may have never happened. She most likely wouldn't have tried again and probably would have taken a little break from dating after the two men that didn't work out. She checked on the profiles of some men and she tried meeting them because she learned that you couldn’t tell much about people from an online profile. You actually need to meet someone in person to get a really good reading on them. So, as she exchanged one short message with her husband, she agreed right away to meet when he asked her to meet at Starbucks. They both understood that unless they met someone in person, they didn't know anything. PRACTICE TWO: LOVE MUST COME WITHIN YOU If you want to have love in your life,
27:35 6/8/20
Not Exactly Goodbye….
I wanted to let you know what the future is for the Rock Your Retirement Show. If you have listened to the episode where I discussed my traumatic event, you’ll remember that I’m re-evaluating my life. This event was life-changing for me. If you haven’t listened to the episode, and you are interested, just go to Episode 209. Since this traumatic event, I decided I wanted to scale back on some of my workload. I have already announced to my remaining financial planning clients that I’ll be retiring from financial planning on 12/31/2020. Although I partially retired from financial planning in 2015, I continued to work with my favorite clients. With Covid-19 affecting so many of our lives, I’ve had additional time to reflect. In my time of reflection, I have discovered that I need to make some further changes. And those changes affect the show. Since 2016 I have been paying to host the show. Although I’ve added some advertising it has never supported the show. In fact, my affiliate link provider has indicated to me that I’m not getting enough click-throughs, so they want to start charging me as well! So, if I continue to run ads it will actually cost me money!! It has been a tough choice however, I have decided that after we run all the shows we’ve already recorded, I’m going to take a break and we will stop doing our weekly episodes. It costs me about $150 per month to keep the show going, and my revenues are nowhere near that amount. The only way I can continue on a regular basis is to get some listener support. You can support the show at a $3 per month basis if you’d like. If a small percentage of my listeners did this, then I will get the $150 I need to continue weekly episodes beyond 07/06/2020 when our last weekly interview is scheduled to be released. Don’t worry though, even if I don’t get the support I need to continue on a regular basis, I’ll still pop in sporadically to tell you how I am doing. So, stay subscribed so you get the notifications. In case you’re interested in supporting the show, here’s where you can do it: http://RockYourRetirement.com/Support Your friendship over the last few years, and support of the show and me personally, means the world to me. This post of Retirement and Retirement Lifestyle first appeared on http://RockYourRetirement.com
15:09 6/2/20