How to Retire with Christine Benz
Retirement Answer Man
Roger Whitney, CFP®, CIMA®, RMA, CPWA®
4.7 • 1.1K Ratings
🗓️ 4 December 2024
⏱️ 62 minutes
🧾️ Download transcript
Summary
Join us for a special episode as we welcome Christine Benz to discuss her new book, "How to Retire." In a captivating conversation at the Rock Retirement Club, we dive into topics like long-term care, the 4% rule, investing strategies, and simplification. Featuring insights from Fritz Gilbert, a member of the club and contributor to Christine's book, this episode offers a holistic view of retirement planning. Discover how to balance financial and non-financial aspects for a fulfilling retirement journey.
INTERVIEW WITH CHRISTINE BENZ
(01:26) Rock Retirement Club welcomes Christine Benz to chat about her new book, How to Retire
(02:40) Roger asks about the goal for the readers of this book.
(04:00) Christine: The goal was to cover retirement in a really holistic way and include as much non-financial as financial information on retirement planning.
(05:09) Roger: I was surprised that you did the book in the interview style, I think it helped make the book more approachable.
(07:24) Roger: Did you have any big insights that were unexpected?
(10:18) Fritz: I give Christine serious kudos for the approach she took and the amount of homework she did.
(11:47) Christine to Fritz: I love your methodical approach to dealing with the years leading up to retirement
(13:19) Marla asks Christine if she would change anything if she was writing this book today to accommodate the 2024 election results and also asks about managing portfolios on Morningstar.
(17:28) Roger: When it comes to portfolio construction, it's easy to overcomplicate things
(20:30) Larry asks Christine what challenges her or confounds her most about her own retirement planning.
(22:53) Larry asks “Are you concerned that we may not find people to provide long term care?”
(30:11) Kevin Lyles asks about asset allocation when you retire
(30:47) Christine: My chapter on asset allocation addresses the bucket approach, which I do find very customizable.
(36:56) Laura asks: When you talk about high quality bond portfolios, do bond funds work?
(41:06) One question I have when we're talking about indexes is about broad diversification.
(43:42) Roger: Now someone had a comment related to some of the research on small cap value. Do you have any view on that research on having a more diversified small cap value tilt?
(47:19) Eric asks “what is the argument for using tips for retirees?”
(50:24) Roger asks Fritz if he has been simplifying his portfolio or working more on optimization since retiring in 2018.
(52:50) Roger: The optimization part sometimes dominates the conversation.
(53:38) Roger asks Christine: Have you found, even in your own life, a balance between making sure you don’t get too complicated in investments?
(56:45) Biranna asks after 20 interviews, what question now rests in your mind?
(57:40) Christine: I've been thinking more about whether the concept of retirement is flawed
(58:59) We're going to share a link with members offering a discount to Morningstar.
(59:55) Next week on the show, we're going to chat about with Michael Easter about Gear vs Stuff
BONUS
(01:00:30) Roger reads an excerpt from his grandfather's WWII journal
REFERENCES
The Retirement Manifest- Fritz Gilbert
BOOKS
How to Retire: 20 lessons for a happy, successful, and wealthy retirement- Christine Benz
Being Mortal: Medicine and What Matters in the End- Atul Gawande
Keys to a Successful Retirement: Staying Happy, Active, and Productive in Your Retired Years- Fritz Gilbert
Rock Retirement: A Simple Guide to Help You Take Control and Be More Optimistic About the Future- Roger Whitney
Show notes created by https://headliner.app
Transcript
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| 0:00.0 | The show is a proud member of the Retirement Podcast Network. |
| 0:04.2 | The more I know about investing, the more boring vanilla and minimalist I get. |
| 0:10.4 | Christine Benz. |
| 0:14.4 | Oh yeah, welcome to the show. |
| 0:16.9 | Dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it. |
| 0:23.3 | I don't know why I got so. |
| 0:25.8 | Oh yeah. |
| 0:27.3 | Anyway, welcome to the show. |
| 0:28.9 | It is December. |
| 0:30.1 | Today is a little bit of a special episode. |
| 0:31.9 | The entire episode is going to be about an hour long is a conversation with Christine Benz on her new book, How to Retire. She came |
| 0:42.7 | into the Rock Retirement Club. We have had an hour long meetup where I got to ask her some questions. |
| 0:48.2 | Some of the members asked her questions and we talk about long-term care. We talk about the 4% |
| 0:53.1 | rule. We talk about investing. And we also talk about long-term care, we talk about the 4% rule, we talk about investing, |
| 0:55.5 | and we also talk about simplification. |
| 0:58.5 | In addition to Christine, we had Fritz Gilbert in there, who is a member of the club. |
| 1:04.1 | He came on and shared some of his thoughts on his retirement journey, |
| 1:07.7 | because he was featured in a chapter of Christine's book, |
| 1:10.1 | and Christine Gilbert from the Retirement retirement manifesto is a long friend of the show and a wonderful man. |
| 1:16.9 | So we are going to focus this episode on chatting with Christine Benz. |
| 1:26.2 | All right, everybody, welcome to a special meetup with a special guest, Christine Bens. How are you, Christine? |
| 1:34.1 | And Roger, I'm great. Thank you so much for having me here. Thanks for coming into the Rock Retirement Club to chat about your book. And we have Fritz Gilbert here, who has a chapter in that book as well. |
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