Happiness in Retirement

In this episode of the Happiness in Retirement podcast, We explore the essential mindset shifts necessary for a fulfilling retirement, drawing insights from the book "The Tools" by Phil Stutz and Barry Michaels. I emphasize that financial success is less about numbers and more about our mindset, particularly in relation to three constants in life: work, uncertainty, and pain.

Welcome to another enlightening episode of the Happiness in Retirement Podcast! I’m your host, Bill Del-Sette, a certified financial planner and registered life planner. In this episode, we delve deep into the often-overlooked aspects of retirement planning that go beyond just financial security. As I reflect on my early career, I share a pivotal realization: while many of my clients achieved fina...

Navigating Emotional Triggers in Retirement: Strategies for Financial Peace From Fear to Freedom: Managing Market Volatility in Your Golden Years The Three Emotional Triggers of Retirement: How to Overcome Them Finding Meaning Beyond Money: Crafting Your Retirement Identity Guardrails for a Secure Retirement: Balancing Emotions and Investments Welcome to this episode of the Happiness in Retirement...

Welcome to this episode of the Happiness in Retirement podcast! I'm your host, Bill Del Sette, and today we're diving into a crucial topic: planning for happiness in retirement, regardless of the uncertainties life may throw your way. In this episode, I challenge the common assumption that the future will align perfectly with our plans. Many of us believe that if we can predict how long we will li...

Summary In this episode of the Happiness in Retirement podcast, host Bill DelSette shares his personal journey and insights on the relationship between money and happiness. Drawing from his experiences growing up in foster care and working various jobs from a young age, he emphasizes the importance of work ethic and the simple joys of life. Bill reflects on how, despite achieving financial success...

In this episode of the Happiness in Retirement podcast, I had the pleasure of interviewing Glen Allen, a valued member of Del Sette Capital Management, who is on the cusp of retirement. As the host, I wanted to explore the multifaceted nature of retirement, especially from the perspective of someone who has dedicated years to the financial industry and is now preparing to transition into this new...

Welcome to this special episode of the Happiness in Retirement podcast! Today we’re diving into a topic that we haven’t explored in depth before on the podcast: investing. While we often focus on lifestyle tips and financial planning strategies, I believe it’s crucial to discuss our investment philosophies at Del-Sette Capital Management, especially as they relate to achieving a fulfilling retirem...

In this episode of the Happiness in Retirement podcast, I delve into the concept of "time affluence" versus "time poverty." We explore how the quality of our lives in retirement is not solely determined by financial wealth but also by how we perceive and manage our time. I share a thought-provoking parable about a Mexican fisherman and an American investment banker, illustrating the contrast betwe...

In this episode of the Happiness in Retirement podcast, I delve into the critical topic of life insurance, specifically focusing on the differences between term insurance and whole life insurance. Building on our previous discussion about the four risks to retirement, I emphasize the importance of having adequate life insurance to protect your family from the financial impact of dying too soon. I...

Episode Synopsis: Understanding the Four Core Financial Risks in Retirement Welcome back to the Happiness in Retirement podcast! I’m your host, Bill Del-Sette, founder of Del-Sette Capital Management. After a refreshing summer hiatus, we’re excited to dive back into the essential topics that can help you secure a fulfilling retirement. In this episode, we tackle a subject that often gets overlooke...

In this episode of the Happiness in Retirement podcast, I delve into the profound question of what constitutes a good life, particularly in the context of retirement. Let's explore whether happiness is the ultimate goal, or if there are deeper elements that contribute to a fulfilling life.

In this episode of the Happiness in Retirement podcast, I, Bill Del Sette, delve into two fascinating concepts that can significantly impact your retirement experience: the U-bend of happiness and the retirement income smile. We begin by exploring the U-bend of happiness, a pattern observed in life satisfaction that shows people tend to be happiest in their youth and later years, with a dip in hap...

In this episode of the Happiness in Retirement podcast, I delve into the multifaceted topic of retirement, sparked by the recent announcement of Warren Buffett's retirement at the age of 94. I reflect on the reasons why people choose to retire or continue working, drawing from my 30 years of experience as a retirement planner. We begin by exploring the historical context of retirement, tracing its...

In this episode of the Happiness in Retirement podcast, I delve into the critical mistakes that individuals often make when transitioning from the growth or accumulation phase of their financial lives to the enjoyment or distribution phase of retirement. As we approach the magical age of financial independence, it’s essential to shift our mindset and strategies regarding investments, and I highlig...

In this episode of the Happiness in Retirement podcast, I, delve into the crucial relationship between your money mindset and your overall life context. We explore how your core beliefs and attitudes about money significantly influence your financial decisions and success. Drawing on concepts from Werner Erhard and Stephen Covey, I emphasize the importance of having an empowering context for your...

In this episode of the Happiness in Retirement podcast, I delve into the crucial topic of determining a safe withdrawal rate from your retirement portfolio. We explore the complexities of retirement planning in the real world, where factors like inflation, taxes, market volatility, and longevity risk come into play. I begin by painting a hypothetical scenario where everything is perfect—no inflati...

Episode Synopsis: Seamless Wealth Succession In this episode of the Happiness in Retirement Program podcast, we delve into the critical topic of estate planning and asset protection, wrapping up a series of discussions we've had over the past few weeks. We begin by highlighting the importance of having a solid estate plan, using the example of the late musician Prince, who famously died without a...

In this episode of the Happiness in Retirement podcast, I delve into the concept of "Swedish death cleaning," a mindful decluttering process that emphasizes the importance of keeping only those possessions that hold true meaning for us and our loved ones. I begin by discussing the hedonistic treadmill, where the pursuit of material possessions often leads to fleeting moments of happiness, leaving...

In this episode of the Happiness in Retirement Program, I delve into two powerful charitable giving strategies: Qualifying Charitable Donations (QCDs) and Donor Advised Funds (DAFs). We start by discussing the current tax landscape, particularly the impact of the 2017 Tax Cut and Jobs Act, which significantly increased the standard deduction and limited itemized deductions, leading to a decline in...

Plan Your Digital Estate Now In an increasingly digital world, the assets we accumulate are not just physical items; they often reside in the intangible realm of the internet. From social media accounts to cryptocurrencies, these digital assets can hold significant sentimental and monetary value. However, many individuals remain unaware of the importance of planning for the distribution and manage...

The Go-Go years of retirement are when you are healthy, have free-time, and can enjoy the fruits of your labor.  Sooner or later, you will slow down because of health related issues.  But what if you could increase your healthy retirement years?   Tune in to find out more.

How do you choose between contributing to a traditional, tax deferred 401K   or a Roth 401K?  Are you just guessing when you choose between contributing to one or the other?  Watch this episode of the Happiness in Retirement Webcast to help you make the best choice.

Step one of the financial planning process is to create goals around what matters most to you.  Check-out this episode to learn three ways to get inspired about your future and to create targets that you will be motivated to act on in your plan.      

Their are four steps to crafting your financial plan, and if you miss any of them, it could derail your financial future.  Tune-in to learn the the four steps and why you should follow them in a certain order to maximize your chances of success.