Take Back Retirement

You’re a woman on the cusp of “retirement” naturally feeling some anxiety. We are two financial planners who take this subject seriously (but ourselves less so). We will help you feel more confident about your choices by cutting through the myths and mysteries. Through conversations and interviews with both subject-experts and women who have gone through what you are approaching, you will have the correct information and motivation to be in control of your future.

124: Leap Smart: Career Transitions and Financial Strategies for Midlife Women with Tabatha Jones 11/18/2025

124: Leap Smart: Career Transitions and Financial Strategies for Midlife Women with Tabatha Jones "It is never too late to start something new and to put your energy into something that you’ve loved your whole life, but you’ve never had time to focus on." Our hosts, Stephanie McCullough and Kevin Gaines, explore the strategic path to entrepreneurship in midlife with the Corporate Escape Sherpa herself, Tabatha Jones! After 30 years in corporate tech leadership, Tabatha made her leap at age 50 and now guides women through building profitable businesses before they leave their steady paychecks behind. "If it's not on your calendar, if it's not something you are focused on doing, it just becomes a someday, which becomes a never, which becomes regret." Tabatha's approach challenges the typical entrepreneurial narrative. Rather than dramatic leaps of faith, she advocates for methodical preparation while your corporate job finances your dream. She saved three years of expenses before leaving, far beyond the typical 6-12 months, and systematically eliminated debt, paid off her house, and even installed solar panels to reduce future living costs. Her "Freedom Framework" starts with the crucial question of "why", and she insists on going at least five layers deep. "When you stay at that surface level why... it's not enough to keep you going," Tabatha explains. From there, entrepreneurs identify their "what" (skills and gifts), "who" (ideal clients), and finally "how" (the business model). In that order! Chances are, you need a financial reality check as a prerequisite to creating your freedom plan. Tabatha has clients highlight every expense on their credit card statements, hunting for "money leaks" like forgotten subscriptions. One client discovered three gym memberships she'd forgotten about. Another realized her pricing meant she'd need 100 clients monthly just to break even! Most powerfully, Tabatha reminds us that midlife career changes require different strategies than younger transitions. While thirty-somethings can "dip their toe" in entrepreneurship and return to corporate easily, the job search for midlifers now takes 8-12 months. Building your business foundation while employed isn't just smart. It's essential! Key Topics The Corporate Escape Sherpa Philosophy (02:17) Tabatha's Journey Through 2020 Pandemic Pivot (03:30) The Freedom Framework (08:44) Why Midlife Transitions Need Different Strategies (09:49) Finding Money Leaks and Financial Planning (19:18) Client Success Story: Travel Agency Launch (30:37) Celebrating Wins and Managing Entrepreneurial Mindset (32:48) Stephanie and Kevin's Takeaways (38:10) Resources: · · · If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/39073345

123: Making Your Own Story: Finding Meaning After 50 with Diane Gansauer 10/31/2025

123: Making Your Own Story: Finding Meaning After 50 with Diane Gansauer “You don’t build courage by avoiding what you’re afraid of. You build courage by moving through it.” -Diane Gansauer Our hosts, Stephanie McCullough and Kevin Gaines, explore an extraordinary midlife reinvention with Diane Gansauer, who traded a high-profile government position for one of the few full-time funeral celebrant roles in the United States. Her transformation proves that stepping away from prestige can lead to real personal fulfillment! "I became more effective and a happier person," Diane reflects on leaving her role as deputy director of a Colorado state agency overseeing multimillion-dollar conservation grants. The political pressures and visibility of managing programs for Great Outdoors Colorado had worn thin. "What I liked best was really the work one-on-one with families,” she says. Her journey to funeral celebrancy began serendipitously when a wealthy philanthropist, whose ranch had received conservation grants, learned about her occasional memorial officiating. This connection led to a position with North America's largest funeral services provider, where she ultimately celebrated over 400 lives. The role required mastering the art of storytelling. Working with grieving families, she learned to capture the essence of lives lived. That’s a skill that demands deep listening and authentic connection. This was intimate work that stood in stark contrast to her previous bureaucratic responsibilities. But Diane’s reinvention didn't stop there. Upon retirement, she embarked on the Continental Divide Trail, completing 3,100 miles from the Mexico border to Canada. "It doesn't matter what other people are doing, it's between you and the mountain." Her experiences culminated in her book "The Waypoints," in which she weaves together insights from honoring 400 lives and conquering thousands of miles of trail. Midlife transitions aren't about climbing higher on conventional ladders. Sometimes they're about finding entirely different mountains to climb, ones that align with who we're becoming rather than who we thought we should be! Key Topics ● Career Transition from State Government (3:45) ● Becoming a Funeral Celebrant (6:00) ● Learning the Art of Life Stories (9:53) ● Diane’s Process of Working with Clients (17:57) ● Why Diane Wrote Her Book (23:24) ● Continental Divide Trail Challenge (28:15) ● Kevin and Stephanie's Wrap Up (46:58) Resources: • (book) • If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/38856250

122: Redefining Retirement: Finding Your Creative Voice Through Comedy with Lynn Harris 10/15/2025

122: Redefining Retirement: Finding Your Creative Voice Through Comedy with Lynn Harris "Comedy is power because when you make people laugh, you make people listen." -Lynn Harris Our hosts, Stephanie McCullough and Kevin Gaines, explore the unexpected world of midlife comedy careers with Lynn Harris! She’s the founder of Gold Comedy, a comedy school and professional network specifically designed for women and non-binary creators seeking to build comedy careers or creative side hustles. Lynn's journey from journalist and standup comic is proof that midlife transitions can be moments of opportunity and not just crisis. She describes a "very vocal, powerful, creative, awesome cohort" of women in their forties, fifties, and better who arrive at Gold Comedy with a clear message: "I'm doing this." These aren't bucket-list dabblers. They're women like Rocky, a retired high school art teacher who came saying, "I know I'm funny, but I don't know how to write a joke." Three years later, she's touring with her half-hour solo show and writing for a sketch team. Or Billie from Portland, whose pilot "Batshit Debbie" is now in development with a well-known comedian attached. Lynn tells us that comedy serves as more than entertainment. “Humor,” she says, “inspires trust.” When a comic takes you through a setup to an unexpected punchline, everyone’s connected. "You all who got that joke have something in common," Harris explains. Technology has democratized access to comedy education. No longer must aspiring comics brave potentially hostile open mics or relocate to major cities. Through Zoom classes and social media, women can develop their craft from home, finding their unique voice without geographic or social barriers. Most importantly, Harris reminds us that while natural talent helps, comedy is learnable. It requires practice, understanding the science of humor, and most crucially, developing your unique perspective. That’s something midlife women already possess in abundance! Key Topics: Gold Comedy's Mission and Midlife Students (3:04) Empty Nest as Creative Catalyst (6:24) Rocky's Journey from Art Teacher to Touring Comic (11:01) Can Anyone Learn to Be Funny? (13:42) Women Still Facing One-Woman-Per-Show Reality (18:27) How Comedy Builds Trust and Connection (27:18) Remote Comedy Education Breaking Down Barriers (32:59) Stephanie and Kevin's Wrap Up (39:05) Resources: Classes, events, and info at (DM and mention that you heard Lynn on this episode for a 10% discount!) If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/38594325

121: Radical Transparency: Diane di Costanzo’s Real Retirement Story 09/30/2025

121: Radical Transparency: Diane di Costanzo’s Real Retirement Story “Stop stopping. If something is stopping you from doing this thing you know you should do, just stop stopping.” - Diane di Costanzo Former Chief Content Officer and Financial Journalist Diane di Costanzo proves it's never too late to take control of your financial future! Our hosts, Stephanie McCullough and Kevin Gaines, chat with her in this inspiring episode of Take Back Retirement. At 48, she had saved just $28,000 for retirement. It’s a number that felt shamefully inadequate against the backdrop of million-dollar retirement commercials. Yet eighteen years later, she successfully retired and embarked on a four-and-a-half-month adventure across Asia and East Africa. Diane was awarded Content Marketer of the Year in 2022 by the Content Marketing Institute and served as Chief Content Officer at Foundry 360, part of Dotdash Meredith. Her transformation began with a simple conversation with a financial advisor who reframed her situation: she had no debt and some savings. Her philosophy of "radical transparency" about money emerged from her work editing Millie, a financial magazine for women, where she discovered that not talking about money perpetuates inequality and ignorance. She practices what she preaches, openly sharing specific numbers about her savings and even publishing her daughter's wedding budget in a magazine article. The key to her success wasn't complex financial wizardry but consistent action. She maximized employer 401(k) matches, utilized catch-up contributions after 50, and became an evangelist for Health Savings Accounts. This account offers "quadruple tax-free" benefits when contributed through payroll deduction by avoiding federal income tax, FICA taxes, while providing tax-free growth and tax-free withdrawals for medical expenses. Her mantra "stop stopping," captures the paralysis many feel about retirement planning. As Diane tells us, small amounts invested consistently over time create meaningful wealth, finding the right financial advisor is about personality fit as much as expertise, and retirement timing isn't always perfect. Key Topics Travel Adventures and Retirement Celebration (04:43) Radical Transparency About Money (08:08) Starting Retirement Savings at 48 (11:00) “Stop Stopping” Philosophy (15:30) Health Savings Accounts Benefits (17:08) Sequence of Return Risk Discussion (24:11) Finding the Right Financial Advisor (29:06) Stephanie and Kevin’s Wrap Up (37:06) Resources: If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/38425410

120: Women, Retirement, and the Lessons of Behavioral Finance (rerun) 09/15/2025

119: Redefining Success and Identity After 50 with Deborah Heiser 08/29/2025

119: Redefining Success and Identity After 50 with Deborah Heiser “Generativity. Think of it as generating something from yourself and putting it into the world.” Our hosts, Stephanie McCullough and Kevin Gaines, explore the positive side of aging with Dr. Deborah Heiser, an applied developmental psychologist who pivoted from studying depression and Alzheimer's to researching what we actually have to look forward to as we age. "You can run faster than me, but I'm happier than you." Dr. Heiser's transformation began at a dinner party when someone challenged her: "What do we have to look forward to as we age? You are studying everything that scares us." This moment sparked her journey into understanding generativity—an emotional developmental milestone we reach in midlife where we feel compelled to give back and make our mark on the world. The conversation reveals a powerful truth: we're biologically programmed to become happier and more fulfilled as we age. This isn't the superficial happiness of opening presents, but the deep satisfaction of asking "Did I matter?" and finding ways to generate impact. Whether through podcasting, volunteering, or passing down family recipes on grandmother's index cards, we're all engaging in mentorship, often without realizing it. Dr. Heiser makes a crucial distinction between doing your job and true mentoring. A teacher advising students is working; mentoring happens outside the classroom, through voluntary emotional connections. Her book "The Mentorship Edge" helps readers recognize and quantify their impact, filling what she calls their "impact bank." Most importantly, she reminds us that midlife identity shifts aren't crises but opportunities to pull forgotten aspects of ourselves from the back of the closet and engage parts of our identity we've neglected while surviving our earlier years. Key Topics: Why We Get Happier as We Age (03:08) Understanding Generativity and the Difference Between Generous and Generative (11:07) Identity Shifts in Midlife (17:11) Family Traditions as Mentorship (22:53) Mentorship vs. Doing Your Job (23:30) Reframing Negative Perspectives on Aging (25:46) Stephanie and Kevin’s Wrap-Up (36:30) Resources: If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/38005755

118: Reclaiming Life: Lessons from a Gray Divorce Survivor with Pat Fenner 08/15/2025

118: Reclaiming Life: Lessons from a Gray Divorce Survivor with Pat Fenner "What I really was grieving was the loss of what I'd hoped my marriage would have been." – Pat Fenner Our hosts, Stephanie McCullough and Kevin Gaines, sit down with author and podcaster Pat Fenner, who shares her powerful journey through "gray divorce"—divorce that happens to women over 50, typically after a decade or more of marriage. After 37 years of marriage, Pat found herself having to start over at an age when most couples are planning retirement together. Her story brings to light the unique challenges facing women in gray divorce, from employment gaps that make renting an apartment nearly impossible to the crushing blow to self-worth that comes with feeling "unemployable" after decades focused on family. Pat's transformation from feeling like she'd "end up being a greeter at Walmart" to building a successful podcast production business offers hope and practical wisdom. Her journey highlights hidden skills many women possess but don't recognize—skills developed through years of unpaid but invaluable work managing households, raising children, and caring for aging parents. Perhaps most powerfully, Pat discusses reclaiming her identity and becoming what she calls the family "matriarch,” which is not someone who controls, but someone who serves by sharing hard-won wisdom. Her advice to women in similar situations is to take inventory of your skills, involve yourself in family finances before you have to, and remember that "being a grown ass woman" isn't selfish. It’s actually inspiring! Key Topics “What the Heck is Gray Divorce?” (03:46) Employment and Housing Challenges (05:44) The Emotional Toll and Self-Image Impact (06:17) Discovering Hidden Skills and New Purpose (18:59) Overcoming Financial Shame (22:58) Redefining Retirement Goals (25:17) Embracing the Role of Matriarch (31:20) Stephanie and Kevin's WrapUp (35:49) Resources: If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/37832505

117: The Power of Presence: Supporting Those in Grief with Paula Harris 07/31/2025

117: The Power of Presence: Supporting Those in Grief with Paula Harris “‘Let me know if you need anything’ is one of the most useless things you can say.” –Paula Harris Our hosts, Stephanie McCullough and Kevin Gaines, sit down with financial advisor and author Paula Harris, who shares practical insights on how to support someone grieving the loss of a spouse. Drawing on years of experience working with widowed clients and her own faith-rooted perspective, Paula shares thoughtful, actionable ways to be present during what can be one of life’s most isolating seasons. Drawing from her publications Rise Up: A Widow’s Journal and A Grief Journal, Paula offers a unique blend of guided writing, storytelling, and actionable tools to help people process grief on their own timeline. She urges those within a widow or widower’s circle to move beyond clichés like “let me know if you need anything.” Instead, she offers specific, compassionate actions—from hanging Christmas lights to making a weekly check-in call. Paula also explains the dangers of isolation, the risks of financial exploitation, and how a personal touch in your condolences can go a long way. She reminds us, above all, that grief manifests differently for each and every person. And so, dealing with it requires a great deal of tact and empathy. “Show up,” she says. “Be Present.” Ask gentle questions. And never underestimate the healing power of presence, story, and a handwritten note. Key Topics · Why Casseroles and Flowers Aren’t Enough (05:15) · Better Ways to Show Up for a Grieving Friend (06:59) · How Grief Evolves Over Time (20:38) · “Don’t Be a Purse”: Financial Boundaries for Widows (21:38) · The Power of Handwritten Notes and Storytelling (28:42) · How Advisors Can Ethically Support the Bereaved (35:27) · Stephanie and Kevin’s Wrap Up (39:25) Resources: · · · (YouTube Channel) If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/37624065

116: Reimagining Your Next Chapter: Longevity, Intention, and the Power of Yes with Allison Davis 07/15/2025

116: Reimagining Your Next Chapter: Longevity, Intention, and the Power of Yes with Allison Davis “Body work, brain work, and world work - all longevity habits fit into those three categories.” -Allison Davis When author and naturopath Allison Davis turned 60, she didn't accept it as the “gateway to old age”—she saw it as a turning point. Our hosts, Stephanie McCullough and Kevin Gaines, talk with Allison about her transformative journey and her new book, Sixty Is a Good Start: A Powerful Body, A Purposeful Life, and a Plan to Make It Happen. Allison recounts a yearlong period of reflection that led to saying “yes” to new challenges, most notably, the intense 75 Hard program. But her real insight lies in making change sustainable through what she calls the “self-perpetuating circle of purpose”: small, habit-based practices in three categories—Body Work, Brain Work, and World Work. Drawing on research from Blue Zones and longevity science, she outlines a holistic strategy grounded in baby steps, accountability, and environment. Whether it’s putting fruit at eye level in the fridge or walking with a group of friends every (or nearly every) morning, Allison makes the case that aging well isn’t about an overhaul, but intention. Allison’s ultimate goal is to help us reimagine our next chapter—not as a slow fade, but as a season of vitality, purpose, and community. Key Topics: Allison’s Turning Point at age 60 (03:12) The Power of Saying Yes and the Misogi Method (05:42) Completing 75 Hard and the Role of Community (07:37) Introducing the Body/Brain/World Framework (15:34) Blue Zones, Longevity, and Daily Habits (17:21) How Environment Shapes Behavior (20:07) The Power of Baby Steps and Planning (21:36) Optimism, Accountability, and Positive Aging (29:48) Key Takeaways (35:25) Resources: If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/37432940

115: Financial Therapy: The Intersection of Money and Emotions with Wendy Wright 06/30/2025

115: Financial Therapy: The Intersection of Money and Emotions with Wendy Wright “There is not good or bad with money” Our hosts, Stephanie McCullough and Kevin Gaines, sit down with financial therapist Wendy Wright to unpack the emotional complexities that often underlie our financial behaviors. Wendy believes that money issues aren’t just math problems—they’re emotional ones too! Rather than focusing on dollars and cents alone, Wendy helps her clients understand why they avoid budgeting, overspend in emotional moments, or feel incapable of managing money. Her mantra? “Abundant, compassionate curiosity and zero judgment.” Wendy discusses common patterns like the belief of being “bad with money,” the influence of childhood messages, and the emotional burden of debt. She advocates for intentionality, self-awareness, and sustainability over perfection, as well as financial journaling and identifying emotional triggers to help people rewrite their “money stories” and build healthier, more resilient habits. “Nothing's going to work for you if it’s not sustainable.” Healing your relationship with money begins with something as small as a $10 weekly savings goal. It’s totally unhelpful to label yourself as “good” or “bad” with money. Personal finance is a deeply personal journey that benefits from reflection, not just spreadsheets. Whether you're confronting debt, struggling with avoidance, or simply seeking a more peaceful relationship with money, give yourself permission to start exactly where you are—with grace. Key Topics: Wendy’s Financial Therapy Framework (03:20) Avoidance and Emotional Burdens (08:39) The “Bad with Money” Myth (10:45) Algorithmic Influences on Money Shame (13:22) Debt, Shame, and Sustainability (15:10) Money as a Tool, Not a Goal (31:28) Where to Begin: Curiosity, Not Judgment (34:14) Resources: If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/37254490

114: Child-free Estate Planning: Picking the Right People for Key Roles - and What to do if You are Picked! with Patricia De Fonte 06/15/2025

114: Child-free Estate Planning: Picking the Right People for Key Roles - and What to do if You are Picked! with Patricia De Fonte “Usually, people are not trying to kill you or keep you alive for nefarious reasons, unless you're very old and very rich and very mean.” -Patricia De Fonte When most people think of estate planning, they imagine dividing assets among children or a spouse—but Patricia De Fonte, founder of De Fonte Law, offers a broader and deeper perspective. Our hosts, Stephanie McCullough and Kevin Gaines, sit down with Patricia to explore what “estate planning with heart” really means, especially for those without children or partners. People often name child-free individuals as caretakers without their consent, adding invisible burdens. To anybody in this situation, Patricia urges taking ownership: ask questions, know what’s expected, and ensure fair compensation. Far from dry legal jargon, Patricia’s approach to estate planning is a refreshing blending of emotional realism with practical wisdom. The stories she shares—from hospital disputes to posthumous family rifts—tell us just how crucial it is to name the right people, update our documents, and make our values explicit. She encourages everyone to assemble a personal and professional support team, use tools like detailed healthcare directives, and even consider gifts for healthcare proxies as acts of compassion. Plan not just for assets, but for relationships and peace of mind. Key Topics: Patricia’s Philosophy on Estate Planning (03:38) Burden of the Unasked Role (05:11) The Dangers of Safe Deposit Boxes (07:04) Healthcare Directives and Family Conflict (08:59) The Reality of Fiduciary Roles (15:17) “What do You Mean by Liability?” (32:33) Updating Documents and Avoiding DIY Pitfalls (39:16) Stephanie and Kevin’s Wrap-Up (49:43) Resources: If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/37045930

113: Side Hustle or Second Career? Navigating Midlife Entrepreneurship with Shannon Russell 05/30/2025

113: Side Hustle or Second Career? Navigating Midlife Entrepreneurship with Shannon Russell “Do your research. Do your planning yourself until you get that confidence to project it to the world, and whatever they say will bounce off your armor because you know you’re doing the right thing.” -Shannon Russell Thinking about trading your day job for a business of your own? You’re not alone—and you’re not crazy. Our hosts, Stephanie McCullough and Kevin Gaines, talk with Shannon Russell, a career transition coach who specializes in helping women reinvent themselves through entrepreneurship. Shannon shares her journey from TV producer to franchise owner to business coach, along with insights from her new book, Start Your Second Act. They dive into everything from identifying whether your passion project can really become a business to managing financial risks, exploring different business models, and handling the emotional side of career reinvention. Shannon emphasizes the importance of doing your homework—researching the market, testing ideas on a small scale, and being honest about your needs and goals. Whether you’re chasing flexibility, meaning, or a new income stream in your second act, Shannon’s here to offer your encouragement and practical advice for building something that truly fits your next chapter! Key Topics: Shannon Russell’s Story (04:32) Hobby vs Business (06:43) “If It Were a Job, I Wouldn’t Enjoy It As Much” (11:10) “It’s Not Gonna Be an Overnight Success” (16:45) Adding Extra Streams of Revenue (20:54) The Importance of Having a Mentor or Accountability Group (24:33) About Shannon’s Upcoming Book (30:20) What Shannon Would Do Differently in Business (33:30) Overcoming Potential Identity Crises When Entering Your Second Act (35:34) Getting Clear On Your “Why” (40:00) Takeaways (42:07) Resources: If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/36772825

112: Navigating Family Wealth Transfers: Emotional Intelligence and Effective Communication with Jill and Sean Maher 05/15/2025

112: Navigating Family Wealth Transfers: Emotional Intelligence and Effective Communication with Jill and Sean Maher “We’re talking about giving space to practice. Not only practice the relationships but also practice managing money.” -Sean Maher Most people plan their estate down to the last dollar, but forget to prepare for the emotional fallout that almost always comes from a lack of proper communication between family members. Our hosts, Stephanie McCullough and Kevin Gaines, sit down with husband and wife team Sean and Jill Maher to talk about their book The Greatest Gift: 9 Principles for the Transfer of Your Legacy Along with Your Wealth, which journeys into the emotional side of passing down wealth and family legacy. The idea for the book came after Sean, a financial advisor, saw a well-planned inheritance fall apart when a family started fighting after their parents passed. He brought the issue home to Jill, a mental health counselor, who pointed out that what he was really seeing wasn’t a planning problem—it was grief. Together, they’ve come up with nine key principles that help families avoid drama and stay connected regarding inheritance. The big takeaway? It’s not just about the money. No matter how much (or little) you're passing on, what matters most is communication, shared values, and emotional safety. Jill and Sean suggest families start having small, low-pressure meetings early, while everyone’s still around to talk things through. It’s about creating space for honest conversations, building trust, and setting expectations. Their advice blends practical planning with emotional wisdom, encouraging people to treat legacy as a relationship, not just a transaction. At the heart of it all, their message is simple: don’t avoid the tough conversations—have them, and carry them out with love. Key Topics: Why Sean and Jill Wrote The Greatest Gift (03:52) “You’re Passing on Not Just Money, But Also Legacy” (05:23) How to Set Up and Facilitate the Inheritance Conversation with a Family (09:59) Setting Expectations Upfront to Nip Objections in the Bud (20:55) Why Sharing Your Story is So Critical (27:54) Nurturing Independence (33:26) Creating a Safe Environment for Your Children (43:23) Resources: USE COUPON CODE: takebackretirement for $5 off and free shipping! If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/36552815

111: From My Way to Our Way: Financial Planning for Blended Families with Donna Kendrick 04/30/2025

111: From My Way to Our Way: Financial Planning for Blended Families with Donna Kendrick "In a blended family, fairness and mutual understanding are key, especially when navigating the complexities of prenuptial and postnuptial agreements.” -Donna Kendrick Navigating love after loss or divorce comes with a host of emotional and financial complexities, especially when blending families. Our hosts, Stephanie McCullough and Kevin Gaines, speak with Donna Kendrick, a financial planner who has lived through these transitions herself. After losing her husband unexpectedly, Donna rebuilt her life and career with a mission to help families in flux—widows, divorcées, and newly blended households. She shares how combining lives means combining financial baggage too, from income disparities and home equity dilemmas to prenups, life insurance, and estate planning. Donna’s candid story highlights the power of transparency and empathy in financial conversations, especially when trust has been tested. Her advice? Begin with individual clarity—define your needs, wants, and non-negotiables—then collaborate with your partner. Donna emphasizes the importance of communication, fairness, and ongoing adjustment as life evolves. Her blend of financial savvy and emotional wisdom offers a powerful reminder: managing money in remarriage is less about spreadsheets and more about mutual understanding. Key Topics: Donna Kendrick’s Story (00:00) Reprioritizing Your Beneficiaries in a Blended Family (12:30) Why Donna Decided to Remarry (16:01) Letting Your Kids Know About Their Future Financial Realities (21:16) Factors When Considering Remarriage (27:28) What Donna Did Wrong During the Process (and What She Did Right) (32:18) Key Takeaways (37:31) Resources: : Remarriage & Money: Janice Guinn Joins the Conversation on Love, Legalities, and Life Planning If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/36366230

110: Navigating the Complexities of Aging: Proactive Planning for Seniors and Families with Jill and Steve Marshall 04/15/2025

110: Navigating the Complexities of Aging: Proactive Planning for Seniors and Families with Jill and Steve Marshall Our hosts Stephanie McCullough and Kevin Gaines sit down with Steve and Jill Marshall of Silver Path Consulting to discuss all things future care, from housing, to finance, to family support. Jill and Steve lament the current lack of societal preparedness for a growing senior population, often referred to as a “silver tsunami” that’s growing bigger each year. They stress the importance of starting early discussions about aging within families, the benefits and drawbacks of different living arrangements, and an effective way to handle comprehensive information and resource management between the adult children of aging parents. The Marshalls also discuss essential legal documents like wills, durable power of attorney, and healthcare power of attorney. Drawing from the recent tragic situation around the passing of Gene Hackman and his wife, they also discuss some technological solutions that adult children can use to facilitate elder care and the value of expert consultation to provide neutral, third-party advice that can ease family tensions. Key Topics: Preparing for the Silver Tsunami (04:47) How to Talk About Future Living Arrangements with Your Aging Parents (10:39) Discussing the Costs of Future Care (17:00) Role Modeling to Your Children the Right Way to Prepare for Future Care (23:07) What Most People Overlook (28:06) Ensuring Everyone in the Family Has a Role (32:30) The Gene Hackman Case (38:53) Steps You Can Take Today to Secure Your Aging Parents’ Future (45:12) Resources: : Taking Charge: Carol Marak’s Strategy for Solo Aging and Retirement Planning : Combatting Fraud and Protecting Your Financial Future with AARP’s Kathy Stokes If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/36184265

109: Remarriage & Money: Janice Guinn Joins the Conversation on Love, Legalities, and Life Planning 03/31/2025

109: Remarriage & Money: Janice Guinn Joins the Conversation on Love, Legalities, and Life Planning Congratulations on your remarriage! How do you ensure that your finances are in order as you step into this next phase of your life? Our hosts Stephanie McCullough and Kevin Gaines explore the vital legal and financial considerations of remarriage, from beneficiary designations to tax implications, with guidance from fellow Financial Planner at Sofia Financial, Janice Guinn! There are legal considerations aplenty when deciding between cohabitation and remarriage. Money talks can often be the elephant in the room, but they're essential for maintaining harmony in marriage. A partner's reluctance to engage in these conversations could be a red flag. Financial transparency is key to building a healthy and lasting partnership. Our hosts also get into the nitty-gritty on taxes and retirement plans, trusts and long-term care, as well as pre and post-nuptial agreements! Key Topics: The Most Important Step: Discussing Your Goals and Expectations (03:53) Financial Obligations to Children and Parents When Remarrying (08:26) Joint or Separate Bank Accounts? (13:42) Long-Term Care as You Age (20:08) Estate Planning and Pre/Post-Nuptial Agreements (23:21) How Remarriage Impacts Your Taxes (31:37) “If You Are Under 60, Think Twice About Getting Remarried.” (34:18) Retirement Plans and Beneficiaries (38:04) To Marry or Cohabit? (40:31) What About Trusts? (42:42) Resources: : Transform Your Relationship with Money: Lessons from Bari Tessler : The Psychology of Money and Marriage with Special Guest Ed Coambs : What the Heck is a Trust, and Why Might I Need One? If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/36001405

108: Retire on Your Own Terms – Or Don’t! (rerun) 03/14/2025

107: Exploring the Psychology of Retirement with Dr. Meir Statman 02/28/2025

107: Exploring the Psychology of Retirement with Dr. Meir Statman “It's nice to get millions when you're 65, but wouldn't it be better if you gave [your children], say, 10s of 1000s when they are in their 20s and 30s?” -Meir Statman Our hosts, Stephanie McCullough and Kevin Gaines, are joined by world-renowned behavioral finance expert Dr. Meir Statman to explore the intricate dance between human behavior and financial decision-making! Dr. Statman is a pioneer in the world of behavioral finance, currently serving as a professor and researcher at Santa Clara University. He attempts to understand how people make financial choices and how those choices are reflected in financial markets. Listen in as Dr. Statman unpacks the cognitive and emotional shortcuts we often take when making financial decisions, and challenges the traditional economic views that advocate for purely rational financial choices. He also introduces his latest book, "A Wealth of Wellbeing," which offers a human-centered approach to finance, and shares his personal journey from traditional to behavioral research–complete with anecdotes that bring his theories to life! “Spend money, don’t waste it.” Dr. Statman explores the link between our money mindset and wellbeing, drawing insights from sociology, psychology, and economics. He explains how we can align our aspirations with present realities, encouraging thoughtful sacrifices today for financial independence tomorrow. From pursuing your vocation, to engaging in meaningful philanthropy, to striking that elusive balance between saving and spending, Dr. Statman traces the path to a life well lived–not just in the quantity of years, but in their quality! Key Topics: Why Dr. Statman Wrote His New Book (04:52) Dividends Versus Capital Appreciation (07:17) The Connection Between Finance and Wellbeing (19:37) The Problem with Oversaving (26:39) How Much Self-Control Is Too Much? (34:08) “How About Our Four-Legged Friends?” (37:32) Addressing the Fear of Your Kids Dying Before You (40:54) How Society’s Attitude Towards Money Has Changed Over the Decades (46:49) Stephanie and Kevin's Takeaways (52:07) Resources: If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/35534475

106: What Women Need to Know About Bitcoin with Marianne Borneman 02/15/2025

106: What Women Need to Know About Bitcoin with Marianne Borneman Picture a world where your money isn't controlled by any government, but rather exists in the form of digital code. That's the idea behind Bitcoin and cryptocurrency, where freedom meets cryptography, and transactions are recorded transparently on a blockchain. But we get it–to those looking to add cryptocurrency to their portfolio, the subject of decentralized finance can be pretty intimidating. Our hosts, Stephanie McCullough and Kevin Gaines break it down with special guest Marianne Borneman, founder of Access Tax Solutions, the home of Real Clear Tax Advice. They look into how Bitcoin differs from traditional money, dissecting its digital nature and the security measures you need to protect your assets. From choosing reputable digital wallets to setting up complex passwords, they guide us through safeguarding your investments in this new financial frontier. Understanding the tax implications of your Bitcoin transactions is essential to avoid unwanted surprises. Our hosts and Marianne share practical scenarios illustrating the importance of documenting every purchase and sale, and how using Bitcoin as a gift or payment can impact your tax obligations. Whether you hold physical assets or prefer investing through ETFs, they explain how these choices affect your tax strategy and what to watch out for in terms of legal and security challenges. Ever wondered what it takes to mine Bitcoin or why it's often compared to gold? They dive into all that, including where it actually derives value from. They explore the concept of scarcity and how collective belief underpins currency value, drawing parallels between Bitcoin and precious metals like gold. In wrapping, they discuss the most common frauds and scams to watch out for as you navigate the world of crypto! Key Topics: “What the Heck is Bitcoin?” (03:55) How Safe is Crypto? (10:05) How to Use Cryptocurrency (11:25) Crypto and Taxes (17:52) Owning Physical Assets Versus ETFs (29:32) Common Crypto Scams (33:07) Bitcoin Mining (45:49) When Does a Crypto Transaction Qualify as a Taxable Event? (52:09) Where Does Bitcoin Derive Value From? (55:46) Resources: : Combatting Fraud and Protecting Your Financial Future with AARP’s Kathy Stokes If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/35367585

105: Why Money Conversations are Crucial and How to Have Them, with Kathleen Burns Kingsbury 01/15/2025

105: Why Money Conversations are Crucial and How to Have Them, with Kathleen Burns Kingsbury “It really does cost us in terms of our ability to learn about money, embrace failure, the mistakes that we made and we learn from them, to actually get closer to the people in our lives, whether that is our adult children, whether that's a partner, whether that's a friend. So there's a lot of ways in which money silence kind of keeps us locked up in a way that I don't think is useful.” - Kathleen Burns Kingsbury Our hosts Stephanie McCullough and Kevin Gaines invite Kathleen Burns Kingsbury back to the show. She brings her invaluable expertise as a money mindset coach to discuss societal pressures women typically face regarding finances. With the re-release of her book "Breaking Money Silence," Kathleen offers fresh insights, focused on empowering women to break their silence around money discussions both in the home and the workplace. Kathleen kicks things off by exploring the psychological obstacles to financial empowerment. Roadblocks like guilt, fear of being seen as greedy, and imposter syndrome frequently obstruct the path to confidence for many women–and men. She reminds us that it's important to surround yourself with mentors and peers who respect individual needs and foster an environment free of money shame. It all begins with open and authentic conversations. Kathleen teaches that it’s important to build your own "financial dream team" that prioritizes relationships over sales. She unpacks the art of leveraging each partner’s strengths, in addition to open communication, in order to minimize money arguments and bring couples closer to their financial dreams! Key Topics: Why Kathleen is Re-Releasing “Breaking Money Silence” (04:05) “What is My Relationship with Money?” (7:03) How Do Your Financial Beliefs Serve or Sabotage You? (14:40) The Human Side of Finance (18:49) Building Financial Knowledge (26:01) Managing Money as a Couple (29:10) What About Single Women? (36:02) Resources: Learn more about Kathleen Burns Kingsbury and her services at If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/34918900

104: How to Invest When the World Feels Dangerous 12/16/2024

104: How to Invest When the World Feels Dangerous Volatility and recession and crashes! Oh, my! Today, our hosts Stephanie McCullough and Kevin Gaines give their best strategies for successful investing when the world’s feeling dangerous. They kick things off with some pointers on riding out market ups and downs. It all comes down to sticking to a long-term investment plan, no matter what’s happening around you. Remember the 2008 financial crisis? Stephanie and Kevin talk about how markets always bounce back and why it’s best not to fret over the dramatic headlines. They also discuss ways to manage your wealth during short-term crises. It’s important to keep a nice stash of cash for those “just in case” moments, such as being between jobs or moving to a new city. Knowing your expenses inside and out is a big confidence booster, making you feel more in control when life throws those curveballs. Stephanie and Kevin also detail the importance of having open money talks with your family. Talking through retirement savings and possible inheritances with your loved ones can keep future surprises at bay. Our hosts wrap up by breaking down the difference between market sentiments vis à vis economic realities, hammering home the all-important lesson that investing is a marathon, not a sprint! Key Topics: A Note on Scary Headlines (00:00) The Market as a “Discounting Mechanism” (07:11) Knowing When to Cash Out and When to Reenter the Market (14:28) “How Bad Do You Really Think It’s Going to Get?” (19:19) Preparing for Short-Term Emergencies (22:09) Having Money Conversations with Your Loved Ones (29:45) Resources: : What is Money Insurance? : Transform Your Relationship with Money: Lessons from Bari Tessler If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/34535595

103: Essential Internal Money Healing with Meghan Dwyer 11/30/2024

103: Essential Internal Money Healing with Meghan Dwyer Our hosts Stephanie McCullough and Kevin Gaines discuss the emotional side of money management with Meghan Dwyer, a Certified Financial Planner and the host of the "Money Isn't Scary" Podcast. Meghan's vision-mission is all about challenging societal norms and empowering women to take charge of their finances with confidence. She helps us uncover the hidden emotional influences that shape our financial decisions and shares her insights on moving from a mindset of fear to one of abundance. “How we earn our money is emotional,” says Meghan. “How we spend our money is emotional. How and why we save our money is emotional.” Our hosts and Meghan explore how our feelings around money are often inherited from past generations. Meghan emphasizes the importance of gaining clarity around, and processing, these emotional roots to make more informed money choices. She discusses the societal pressures of consumerism and the lack of financial education that can leave many feeling anxious or ashamed about their financial literacy. “Your relationship with money is parallel with your relationship with yourself.” Self-reflection helps us in aligning our financial decisions with personal values. Through practical exercises, Meghan teaches us how to identify our core values—whether it's family, adventure, or otherwise—and ensure our spending aligns with what truly matters to us. Meghan also stresses the importance of self-compassion, especially when our financial choices don't perfectly align with our values. She encourages us to embrace emotional triggers as tools for growth and to focus on what money can achieve in terms of our values, rather than just its numeric worth. Key Topics: What Stands in Our Way When It Comes to Financial Wellness? (3:34) “Money is Emotional!” (12:12) Minimizing Overwhelm When Beginning Your Money Healing Journey (19:16) The Importance of Knowing Your Values (24:39) Rewriting Our Money Stories and Beliefs (32:21) Avoiding the Comparison Trap (40:20) Stephanie and Kevin’s Key Takeaways (43:00) Resources: If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/34278735

102: What Women Need to Know about Avoiding IRA Nightmare Stories with Denise Appleby 11/15/2024

102: What Women Need to Know about Avoiding IRA Nightmare Stories with Denise Appleby “Prevention is better than cure. Don't feel overwhelmed by all this. Would you remove your own kidney? You would go to a professional to get it done.” -Denise Appleby Renowned IRA and retirement plans expert Denise Appleby joins our hosts Stephanie McCullough and Kevin Gaines for a crucial conversation on managing your retirement accounts effectively, especially as 2024 comes to a close. Having trained thousands of financial, tax, and legal professionals, Denise shares her invaluable insights on year-end retirement planning strategies, covering the complexities of Required Minimum Distributions (RMDs) and the potential pitfalls of rollovers. They talk about the challenges family members face when inheriting IRAs and handling 401(k) withdrawals, including those aged 73 and older. In addition to RMDs, they also cover Roth conversions and Qualified Charitable Distributions (QCDs), giving you much-needed clarity on suitability assessments and precise reporting needs. Denise explains the differences between transfers and rollovers, providing real-life examples of costly mistakes and IRS penalties that typically come from common misunderstandings. By sharing these cautionary tales, Denise demonstrates the importance of consulting knowledgeable financial advisors to guide you through these often-daunting processes, ensuring your retirement plan remains on track! Key Topics: How to Manage Your Retirement Accounts Before the Year Ends (3:28) Navigating IRS Publications and Regulations (10:08) What’s Eligible for a Rollover? (22:24) Understanding Beneficiary IRAs and R&D (26:56) Direct Versus Indirect Roth Conversions (37:52) A Primer on Qualified Charitable Distributions (44:08) Stephanie and Kevin’s Key Takeaways (52:26) Resources: : What Women Need to Know About IRA’s, with Sarah Brenner : Women + Roth IRA’s – What Should You Be Aware Of? : Secure Act 2.0: New Retirement Account Rules, Same Old Message! : The Essential Rules to Know When You Inherit an IRA If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/34072236

101: What Women Need to Know (and Do) About Estate Planning with Your Friend the Lawyer, Pam Starsia 10/30/2024

101: What Women Need to Know (and Do) About Estate Planning with Your Friend the Lawyer, Pam Starsia Our hosts Stephanie McCullough and Kevin Gaines sit down with Pam Starsia, who swapped her corporate lawyer gig for the world of estate planning, and now runs a firm alongside her husband. Once a pro in high-stakes mergers and acquisitions, Pam’s now all about creating personalized, relationship-focused estate plans. Listen in as she takes us through the sometimes-tricky and always-emotional landscape of family legacy planning. “If you have the resources to pay for help, do so. You deserve it.” Pam unpacks the Personal Family Lawyer model she follows, which emphasizes the human side of legal advice to meet a family’s evolving needs. Her insights help us balance the emotional and practical sides of family legacy planning, offering a new take on the whole process beyond just writing a will. When dealing with clients, Pam’s all-in on personal touch. Our hosts and Pam chat about the emotional twists that can pop up, like sibling dynamics and particularly sentimental items. She dishes out practical tips for navigating these situations, reducing conflicts, and making sure everyone in the family gets a say. They also explore some unique aspects of estate planning, like the question of your furry friends, and Pam gives us the lowdown on setting up options like pet trusts to ensure they’re cared for in the future. She reminds us that estate planning isn’t just a one-time deal—it’s an ongoing process that adapts to changing laws, relationships, and life situations. Key Topics: From Corporate Lawyer to Estate Planning Attorney (3:31) The Advantages of the Personal Family Lawyer Model (7:15) Staying Accountable as an Estate Planning Attorney (13:14) Being Thorough with Clients (22:48) The Challenge of Working with the “Sandwich Generation” (27:21) Dealing with Joint Trustees (29:29) Pet Trusts: Making Sure Your Fur Babies Aren’t Forgotten! (33:26) Why It Literally Pays to Plan with an Attorney (40:41) Stephanie and Kevin’s Key Takeaways (43:34) Resources: If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/33683742

100: What GenX Women Need to Know About Retirement 10/15/2024

100: What GenX Women Need to Know About Retirement “We’re nothing if not resourceful. That’s our generation’s superpower.” -Kevin In celebration of the 100th episode of Take Back Retirement, our hosts Stephanie and Kevin Gaines reflect on the defining characteristics of their very own generation–Gen X–and key lessons that women in this age bracket can put into practice today in preparing for retirement. From the seismic shift from pensions to 401(k) plans, to navigating the rollercoaster of financial events like the 1987 Black Monday and the dot-com bubble at the turn of the century, today’s conversation explores the pivotal moments that molded an entire generation's approach to financial planning. Our hosts shed light on the realities of midlife day-to-days in the 2020s, from dealing with the fallout of being the “Sandwich Generation” to considerations around financially supporting family members amid shaky times. At the same time, Stephanie and Kevin celebrate the unique brand of resourcefulness that defines GenX, emphasizing their quest to find “balance, flexibility, and self-determination.” Key Topics: The Defining Characteristics of GenXers (5:00) Why GenXers are More Cautious with Money (10:19) The “Sandwich Generation” (12:34) “How Do We Deal With All This Crap?” (18:06) Accepting That You Can’t Control Everything (22:23) Financially Supporting Family (32:10) Key Takeaways (32:36) Resources: What Women Need to Know About Social Security Getting the Most from Social Security: Smart Strategies for Women with Heather Schreiber Simplifying Medicare: What’s Important For You To Know with Susan Sloan What Women Need to Know About Caregiving and Elder Law with Cathy Sikorski If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/33495832

99: The Challenges and Opportunities of Defining Your Identity in Retirement with Elizabeth Parsons 10/01/2024

99: The Challenges and Opportunities of Defining Your Identity in Retirement with Elizabeth Parsons “Suddenly you've got to create the content of your life, and that's a completely new enterprise for most people we work with, and it's scary until you can get your hands in the clay and feel confident about having a process.” -Elizabeth Parsons How do you deal with the massive shift that comes with stepping away from a high-powered career and into retirement? Our hosts Stephanie McCullough and Kevin Gaines chat with Elizabeth Zelinka Parsons, founder of Encoraco, who has dedicated her life to guiding high achievers through the emotional and psychological challenges of retirement. After leaving behind a prestigious legal career, Elizabeth was left feeling listless and incomplete. It was her relentless drive to rekindle that sense of purpose that led her to found a company that helps men and women just like her experience a “positive and empowered transition” into their post-career life. Listen in as Elizabeth teaches us how to overcome the loss of identity and structural void that often accompany retirement. She discusses the art of designing a Life Mosaic, ways to recognize what's missing from your day-to-day, the importance of grieving the end of a career, and why it’s time for all of us to redefine the traditional notion of retirement! Key Topics: Elizabeth’s Career and Post-Career Journey (3:35) Elizabeth’s Typical Client (09:16) Finding New Ways to Channel Your Professional Skills (19:00) Why it’s Important to “Grieve” The Loss Of Your Career (20:28) Existential versus Categorical Identity (28:02) Consider Navigating Retirement with a Buddy! (32:22) Metrics for Success (36:56) Key Takeaways (41:13) Resources: If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/33282127

98: Conquering Internalized Ageism and Living Your Best Life after 65 with Ande Lyons 09/16/2024

98: Conquering Internalized Ageism and Living Your Best Life after 65 with Ande Lyons “Age is just another journey that we need to learn to love and embrace, and see as the gift it is!” Our hosts Stephanie McCullough and Kevin Gaines are joined by Ande Lyons, host of the Don't Be Caged by Your Age podcast. She’s redefining what it means to thrive after 65, and teaches us how to combat ageism at every level—whether it's institutional, societal, or internalized. Finding and maintaining confidence and a sense of purpose in retirement is seldom easy. Ande gives us tips to stay engaged in later life, as well as essential steps for financial and mental wellness, all in order to ensure a life in retirement that’s worth the journey. Our hosts and Ande also dive deep into the mindset shift that allows us to "age out loud.” Learn how platforms like Meetup.com can help build communities that bridge age gaps, and hear inspiring personal anecdotes about overcoming self-imposed limitations to pursue new passions after 65. As Ande says, by embracing and reframing how we see those golden years, we open ourselves up to the possibility of new beginnings, renewed health and vigor, and exciting adventures that we never would have dreamed of pursuing in pre-retirement! Key Topics: Internalized Ageism… What the Heck Does that Mean? (3:30) Overcoming Internalized Ageism (11:08) Managing your Energy Portfolio and “Aging Out Loud” (21:55) Finding Interest Groups with Meetup.com (27:37) “Ambition is Ageless!” (34:12) Key Takeaways (42:40) Resources: : Combatting Fraud and Protecting Your Financial Future with AARP’s Kathy Stokes If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/33025287

97: Why Do We Avoid Retirement Planning? 08/30/2024

97: Why Do We Avoid Retirement Planning? “Most pre-retirees and retirees need and want help with the critical retirement decisions they face, but they’re not always certain where to find it.” Is your retirement plan only scratching the surface? Our hosts Stephanie McCullough and Kevin Gaines uncover the common pitfalls that have kept retirees unprepared for the realities of their post-work years. Drawing from the groundbreaking Stanford Center on Longevity study entitled Disconnected: Reality Versus Perception in Retirement Planning, Stephanie and Kevin talk about why it’s imperative to envision and plan for all aspects of retirement—beyond just your finances. Learn how to overcome the natural human instincts that cause us to overlook important retirement considerations, and how to find advice specific to your unique life circumstances. Our hosts also explain why retirement is a process rather than a destination, and how embracing flexibility can reduce financial stress and increase peace of mind. They explore how personal stories and periodic reminders can keep you on track, and why working with a real financial planner can provide invaluable holistic guidance. Key Topics: Envisioning Your Later Years (4:56) “Human Beings Are Bad at Money.” (11:02) Overcoming Our Self-Imposed Planning Barriers (12:57) Just Yank the Bandaid Off! (15:20) Implementation Costs (19:30) Finding Advice Specific to You and Minimizing Uncertainty About Your Future (21:30) Which Of These Sentences Makes You Most Inspired to do Retirement Planning? (24:25) Financial Advisor vs “Stock Jockey” (28:45) Planning for Contingencies (30:02) Resources: : Here’s a Secret: We’re Guessing, and That’s OK : Ready to Retire? Here are Five Crucial Questions to Ask Yourself If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/32811057

96: Surviving Financial Infidelity with Jess Bost 08/15/2024

96: Surviving Financial Infidelity with Jess Bost "Financial infidelity is in the category of infidelity and the root of it is a hiding and a lying about the truth." Join our hosts Stephanie McCullough and Kevin Gaines as they chat with Jess Bost, CFP at Lake Avenue Financial. She’s spent over 15 years coaching people to get from where they are to where they want to be. It’s a passion that finds its roots in her inspiring journey to overcome her own financial struggles. For Jess, those struggles revolved around one of the toughest periods in her life: dealing with financial infidelity. Listen in as she opens up about the moment she discovered that her partner had been living a financial double-life–hiding mounting credit card debts, separate bank accounts, and loans that eventually led to their separation. Jess reflects on how the shock of that revelation compelled her to take ownership of her finances, leading her down a path into the world of financial services and, thankfully, eventual reconciliation with her partner. Through Jess’s experiences, you’ll learn why it’s so important to get clear about your strengths and weaknesses around financial management, as well as, if applicable, those of your partner. Jess is a staunch advocate for no-nonsense, transparent dialogue between spouses, especially early on in the relationship. By getting clear about each other’s money management roles in marriage, you’ll be able to nip financial infidelity in the bud! Key Topics: Jess’s Journey to Financial Services (3:56) Dealing with Her Partner’s Financial Infidelity (12:36) What Makes a Great Financial Advisor? (19:01) Defining Financial Infidelity (24:17) Figuring Out Your Own and Your Partner’s Ability to Manage Finances (35:20) Changing Mindsets and Beliefs Around Money through Financial Therapy (41:04) How to Deal with Financial Infidelity (44:07) Stephanie’s and Kevin’s Wrap-Up (49:26) Resources: : Transform Your Relationship with Money: Lessons from Bari Tessler If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/32617302

95: Ready to Retire? Here are Five Crucial Questions to Ask Yourself 07/31/2024

95: Ready to Retire? Here are Five Crucial Questions to Ask Yourself “We believe that a simpler financial life, a less fraught financial life is one where you align your dollars with what's most important to you, with the life you want to lead, with your values.” - Stephanie Have you ever found yourself asking if the perfect moment to retire will ever come? Or whether you’ll even have enough to live on when that moment arrives? These are tough questions that countless people grapple with. Our hosts Stephanie McCullough and Kevin Gaines talk ‘purposeful retirement’ and how you can set goals and navigate your post-work life with flexibility and a foolproof strategy! They introduce five essential questions to help align your financial resources with your desired retirement lifestyle. By understanding why you are retiring, what you want to do, who you are retiring for, where you want to spend your later years, and how things can change going forward, you forge a path that is both fulfilling and financially stable! Stephanie and Kevin show how meaningful planning can prevent the pitfalls of an aimless life in retirement. They introduce the concept of "time bucketing," which helps in making the most of your newly available hours. You’ll also learn how to navigate common obstacles around our limited medical infrastructure and how to find the perfect retirement community. Find out how to pivot with grace and realign your priorities when you’re (inevitably) faced with changes along your retirement journey! Key Topics: Why are you retiring? (4:47) What do you want to do? (11:10) Who are you doing this for? (13:45) Where do you want to do this? (19:07) How can things change? (24:09) Overcoming reluctance to spend your savings (31:18) Resources: : Taking Charge: Carol Marak's Strategy for Solo Aging and Retirement Planning If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com You can find the transcript and more information about this episode at . Follow Stephanie on , , and . Follow Kevin on , , and . /episode/index/show/takebackretirement/id/32368277

Take Back Retirement

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