488: How To Fix Your Finances So You Don't Have To Work Forever with Bret Johnson
Midlife Conversations with Natalie Jill: Fat Loss, Hormones & Health for Women Over 40
Natalie Jill
4.8 • 635 Ratings
🗓️ 28 October 2025
⏱️ 58 minutes
🧾️ Download transcript
Summary
Is everyone around you planning dream retirements while you're wondering if you'll be working forever? If you're lying awake at night worried about finances, feeling like you're the only one who didn't figure out this money thing, you're not alone, and this episode is your wake-up call + your action plan rolled into one.
I invited my friend, an accomplished investor and financial savvy expert, Bret Johnson to share the exact strategies he used to transform his financial future later in life. From being behind the eight-ball to traveling abundantly and living without money stress, Bret breaks down the no-BS approach to building wealth when you think it's too late.
We dive into the uncomfortable truths about why you're behind (spoiler: you were living life while others were investing), the simple 5-15% rule that changes everything, and why index funds might be your secret weapon for catching up fast. He discusses practical strategies for paying off debt, investing wisely, and building wealth, even if you feel you've started late. From addressing common concerns about feeling financially stuck to providing actionable steps you can take today, Bret's advice is invaluable. Plus, he shares his "stocks are on sale" mindset that transformed market crashes from disasters into opportunities.
Whether you're starting from zero or trying to accelerate what you've already begun, this conversation delivers the practical steps, mindset shifts, and resources you need to stop worrying and start building the retirement you deserve.
Catch the full episode on YOUTUBE HERE: https://bit.ly/MidlifeConversationsYouTube
Learn More About Bret Johnson:
Instagram ➜ https://www.instagram.com/bretjohnson11
Website ➜ https://www.patreon.com/cw/TheChaleneShow
Thank you to our show sponsors!
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Disclaimer: Information provided in the Midlife Conversations podcast is for informational purposes only. This information is NOT intended as a substitute for the advice provided by your physician or other healthcare professional. Do not use the information provided in this podcast for diagnosing or treating a health problem or disease, or prescribing medication or other treatment. Always speak with your physician or other healthcare professional before making any changes to your current regimen.
Information provided in this podcast and the use of any products or services related to this podcast does not create a client-patient relationship between you and the host of Midlife Conversations or you and any doctor or provider interviewed and featured on this show. Information and statements may have not been evaluated by the Food and Drug Administration and are not intended to diagnose, treat, cure, or prevent ANY disease.
Advertising Disclosure: Some episodes of Midlife Conversations may be sponsored by products or services discussed during the show. The host may receive compensation for such advertisements or if you purchase products through affiliate links. Opinions expressed about products or services are those of the host and/or guests and do not necessarily reflect the views of any sponsor. Sponsorship does not imply endorsement of any product or service by healthcare professionals featured on this podcast.
Transcript
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| 0:00.0 | The rule of thumb is like every seven years, if you just keep your money in like a conservative |
| 0:05.4 | S&P index fund, your money's going to double like every seven to eight years, even if you're |
| 0:10.6 | not adding to it. |
| 0:12.7 | Welcome to Midlife Conversations. |
| 0:14.6 | I'm your host, Natalie Gillen. |
| 0:15.9 | I'm passionate about having amazing conversations that matter to us midlife women. |
| 0:20.9 | On this podcast, I do what I do best, taking complicated health topics and breaking them |
| 0:25.6 | down simply so that we can optimize aging together. |
| 0:29.3 | I share actionable steps to help you thrive in what I believe are our best years to come. |
| 0:34.6 | Join me as I interview the most inspiring people living their best midlife years |
| 0:38.7 | and dive into essential topics like hormone changes, health optimization, weight management, |
| 0:43.6 | blood sugar, emotional well-being, relationships, beauty, and so much more. So you're in midlife |
| 0:50.4 | and maybe you are losing sleep lately over finances. This tends to be common. Maybe you didn't |
| 0:58.2 | plan quite as well as you hope to. And you're wondering, do I have to work forever? Is, are things |
| 1:04.9 | ever going to turn around? Am I ever going to be able to enjoy a retirement or be traveling and |
| 1:09.6 | having these really great vacations like I'm |
| 1:12.8 | watching some of my friends do. Today I want to talk all about finances in midlife and what we can |
| 1:19.1 | do to get ourselves back on track, maybe to start being on track, and also to clean up what we |
| 1:25.3 | maybe didn't anticipate for. I asked my friend Brett Johnson to be here. |
| 1:29.6 | I thought he was the perfect person to talk about this. He later in life, he was always great |
| 1:34.7 | with numbers and with money, but later in life really started to figure out the investing game, |
| 1:39.9 | learned a lot about market, housing market, finance market, stock market. Also, I've heard him |
... |
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