About this episode

Bob and Brian discuss the importance of having a fulfilling retirement plan beyond just financial wealth.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian challenge the traditional idea of retirement, exploring why having enough money isn’t the same as having a fulfilling plan for what comes next. Inspired by a powerful real-life story, they discuss “purpose risk,” the dangers of tying your identity solely to your career, and why true financial success is about creating optionality in your life—not just building wealth. They also break down how to turn your savings into a tax-efficient income stream, why rules like the 4% guideline can fall short, how to manage risk and cash flow in retirement, and why your “forever home” might not be as permanent as you think.

People in this episode

Hosts: Bob, Brian

Topics covered

• retirement planning
• purpose risk
• financial success
• tax-efficient income
• risk management
• cash flow in retirement

Keywords

• retirement
• financial planning
• wealth
• purpose risk
• income stream
• 4% guideline
• cash flow

Mentioned in this episode

Organizations: Allworth Financial

More episodes of Simply Money by Allworth Financial

• What the Market Is Really Telling You—and Why Retirement Spending Is So Hard · July 10, 2026 · 38 min
• The 7 Financial Lies That Could Be Costing You Millions · July 3, 2026 · 38 min
• The Hidden Risk in Your “Diversified” Portfolio · June 26, 2026 · 38 min
• The Biggest Threat to Your Retirement Isn't the Stock Market · June 19, 2026 · 38 min

Explore listener stats, chart rankings, contacts and more on the Simply Money by Allworth Financial podcast page.