You work too hard to not optimize your income in retirement.

Let me explain what that really means in English.

So someone came to me and they said, I want you to help me, make sure I don't run out of money. I said, great, easy solution. Work till you're 100. They go, yeah, stop being coy here. Like, I want to retire, but I just want to make sure I do it right. I said, great, retire right now. They're like, hey, are you just trying to be funny or something because this is not funny?

I said, no, seriously.

Like, you should retire now.

They're like, hey, are you just trying to be funny or something because this is not funny?

I said, no, seriously.

Like, you should retire now. They're like, uh, okay. That's kind of not what I was expecting from this conversation. I said, you could retire now. I'm not sure you could spend exactly what you want. I definitely don't want you to work until you're 85, 90, 100, or even 60. but I just don't want you to retire too early, run the risk of running out,

or retire too late and go, ah, why didn't I retire earlier?

I had my energy and my health that.

That's a fine balance.

So the title of this episode is how do I invest to optimize my income?

That's my role.

Sometimes optimizing your income is telling you to stop working earlier because $20,000 a month, that's not needed for you to enjoy your retirement. I have other clients. This is me being nice, okay? Just so you all know, I joke that I'm the meanest advisor, but I'm not actually mean. I don't think so, at least. You guys can tell me. I try to be transparent. And I have certain

clients that want to spend 30,000 a month or they're like, why am I retiring? I can't even do anything I want to do. So there's a wide range of people. Now, not right and not wrong. Just kidding, it's wrong. No, it's not wrong. Okay. I'm just trying to be fun here. Here's my point. there's a line when you start to go,

I don't know if I need to work longer.

And it's my job to There's a line when you start to go,

I don't know if I need to work longer. And it's my job to help my clients figure out what is that line? Where is that spot where they can truly make work optional? That's what everything I do is all about. I just want you to know the earliest time work is optional where you're going, look, I'm working because I want to, not because I have to.

I find a lot

of my clients actually enjoy their work they just think they don't because they're there on obligation

it's very different to work when you want to work so with that being said today's episode is

going to be about optimizing income now as always this will be on the podcast app So you can certainly go ahead and listen to today's episode there.

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