Hello, world. Welcome to discover your talent, do what you love, number 285. I'm creator and host, Don Hutchison.

Every day, I interview someone from around the world who has discovered

his talents to do work he loves to create a life of success, satisfaction, and freedom.

Once a week, I interview a well-known expert from the fields of personal or business development

who share their experiences, tools, and insights to help our listeners along their journeys.

Today, I'm delighted to bring you our

featured expert, Dr. Thomas O'Grady. Welcome, Thomas. Thank you very much, Don. Glad to be here.

Thank you, sir. Well, you have a podcast, Life Unsettled, which I've enjoyed, and you're an economist.

What are you trying to teach people? It's actually kind of funny.

It worked in reverse in the sense that my wife and I, you know, getting up in years,

decided that I should really start helping us in a sense of, as I said to her one day, gee,

you know, I've helped a lot of people make gobs of money. We're talking about major people and major companies.

Maybe it's time for me to spend a little time on us, to which her response was, duh.

Good.

But as I was doing it, I said, gee, you know, I should be sharing this with other people because it's a major issue and problem today in society. And let me explain that a little bit. Please. Let's assume that

a person's approaching 50 years of age or at 50 years of age. They start thinking in terms,

gee, what am I going to do when I retire? You know, everybody's been thinking in the past of that

retirement age of 65, etc., or something

earlier or something later, but those kinds of things. So they start thinking of where do I want to

live, what do I want to do, et cetera. And quite frankly, the world has changed. It used to be,

an economist, we used to call from 45 to 64 the net savings years. What that means is that your kids are out

of the house, your bills are paid for, you don't have the problems you used to have, and you

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