"Go-Go" Years
Carl Landau | April 08, 2025
While we all may be taking a pause right now due to the economic uncertainty, at some point you to need to focus on YOUR own (un)retirement plan.
The fact is I'm spending more money at this stage of life. Specifically, I mean that I am spending more than I probably should according to the target "100% success rate" of my retirement financial plan. My current spending level means that as of today, there is only about a 70% chance I will still have money at age 92. But I still think these are pretty good odds. I want to do all the things in life I've worked hard for and dreamed of while I have the time and energy. Yes, I want to enjoy it all while I'm healthy, which means TODAY. I don't know what my future health situation is going to be.
What about you?
Personally, I'm not spending my money on things. I'm spending my money on experiences. For my wife Diana and me, our passion is travel. We're taking a couple of international trips and many in the U.S. Ideally, we want to experience new countries, new cultures, new experiences all over the world while physically fit. I know that at some point, we're not going to be able to do all this traveling. So, I'm taking full advantage of the opportunity now.
Go figure out what you have a passion for and do it NOW! For you, it can be something totally different from travel, but don't waste this special time of your life. One of the saddest things to watch are these soon to be or retired people depriving themselves of all the fun things they can be doing and instead are fixated on the amount of savings they have. They say, "I'll do all those fun things when I'm older". Really? How much older? Why not have amazing experiences now when you can fully experience your life's bucket list? Plus, then when you really are older, you'll have those memories to savor much longer.
My wife hates when I (occasionally) talk about how long I have to live. To me, it's a good reminder to fully live out my (un)retirement years. I encourage everyone to look at a life expectancy calculator based on your age and your current health. In my case my life expectancy is about age 84 That's 16 years for me! Trust me that I'm doing my best to live a long and healthy life. But that statistic doesn't scare me, it motivates me! And let's get real. Our travel expenses will drop considerably when we're in our 80's and 90's, so that's why I'm spending and doing NOW!
Note: I do have a budget set aside for any future health stuff.
What do you think? What's your plan for your Go-Go years?
50+ Community -- Pro or Con?
Carl Landau | March 11, 2025
I've always been pretty negative about living in a 50+ community. I'm not sure exactly sure why. I think to me it meant that I'm officially old. Why would I want to be surrounded by a bunch of old people?
I think the first time I ever heard about an "active" 50+ community was way back in the late 1990's, when negative headlines about The Villages in Florida came out. It was about all these old people running around having STDs. They drove around in golf carts everywhere. And they had political shouting matches with each other. I remember late night comedians having a field day at these people's expense.
The fact of the matter is that I personally have visited some friends in an active adult community for a grand total of ONE TIME. They seemed really happy with their community. Most recently, a good friend of mine invited me to play pickleball at his brand new 50+ community that just opened. It was incredibly nice! The club house was like like being in a fancy club or spa. The pickleball courts were amazing. My friend told me there's a fun activity on the calendar almost every night. The average age so far for this new community is early 60's. Huh! Half the people living there still work. Every person I met was friendly. There was a real sense of community there.
I checked with my financial advisor, who has a lot of clients in these communities and he said that in general, the properties are a good value. Plus his clients really like living in them. So I wonder why I've been so negative? Did I feel superior because I don't need everything provided for me? I have had my eyes opened and my opinion is now totally turned around. Today's 50+ communities have come a long way since Del Webb started building in the 50's.
I'm not sure if I'll ever live in one of these communities or not. But I learned not to be so judgemental about it all.
What are your thoughts about 50+ communities?
Carl's Top 6 NOT Retirement Tips
Carl Landau | February 13, 2025
1. **Retire earlier than you think you should.**
I've interviewed over 90 guests on "I Used to be Somebody" and almost all say they wished they had ended their careers earlier. This includes me. Honestly, think about your Sunday nights or Monday mornings. Do you have the same enthusiasm to get to work that you used to have? My last 3 or 4 years of work, it felt more like a grind, but I ignored it. I wish I had listened to my "Monday gut" and I would have created an exit strategy earlier.
2. **Stop calling it retirement!**
I hate that "R" word. To me that means "You're done, you have nothing else relevant to contribute to the world." Which is why I call the phase after your primary career (un)retirement. It's a time of brand new possibility and personal reinvention! It's a time to explore new interests and fulfill new dreams.
3. **Figure out the money thing.**
Figuring out if you have enough money to stop working full- time is pretty important. I talked to my financial advisor 5 years in advance. Don't be afraid to start figuring out your new life ahead of time. And although I know you're super-smart and everything, hire a certified pro. Plus, you can go into most financial planners and get an initial financial evaluation for free.
4. **Think about your future.**
If you retire in your 60's and you're in reasonable health, chances are you're going to live for decades more. Give some deep thought in ADVANCE about what you want to do next. Most people spend more time planning a 10-day vacation than how they want to live for the next 20+ years.
5. **Don't jump off a cliff.**
One of the worst things you can do is have this hard-driving career for 25++ years and then just stop one day into the retirement abyss, telling yourself you'll be able to figure it all out when you have more time. DISASTER ALERT! It truly takes some serious commitment to figure out who you are outside of your career. But you're worth it!
6. **Try the gentle slope idea.**
If you're in the corporate world, maybe discuss with management about working into a part-time or consulting position. If you're an entrepreneur, go ahead and start off-loading responsibilities to staff. Or hire a consultant to figure out what part of your operation is more profitable and get rid of the part of the company that isn't successful. Do more mentoring and less "working."
I know my tips probably seem like added work when you're contemplating retirement. It's a big decision to end a career you've had for a long time. It might even feel kinda scary. But these tips are inspired by my discussions with over 90 successful people who have taken the time to do (un)retirement right!
Jordan (Doc G) Grumet Interview: Former Doc Shares How to Live a Regret-Free Life
Diana Landau | December 10, 2024
Want to hear wisdom and insight on finding purpose from a former internal medicine doc who is now a writer, speaker, and podcast host? This week Carl interviews Jordan (Doc G) Grumet has made many significant pivots in his life. After becoming a doctor of internal medicine and practicing for 15 years, Jordan had an "aha" moment where he realized that although his medical career had served him well, he wanted something new, something different, something more meaningful.
Jordan grew up in Evanston, Illinois. His doctor father died suddenly when Jordan was only 7 years old. "I came to this cosmic conclusion that the way to make up for this horrible thing that happened to all of us was for me to become a doctor." Despite learning disabilities, Jordan met obstacles head on and learned to persevere. (Qualities that have helped him throughout his life.) His mother became a CPA and successful in business and remarried. He says both his parents modeled responsible saving.
After 15 years of practicing medicine, he felt totally burnt out. "Medicine served me well financially and gave me a purpose and identity. It worked until it didn't," he tells us. In 2018 he stopped everything and became depressed. The years of building walls around himself to deal with the stress and tragic situations as a doctor took their toll. He realized he had co-opted his father's dream of being a doctor for his own.
Jordan looked at the parts of his life he wanted to keep doing, like hospice care. In addition, he had an "AHA" moment when he attended a conference for writers, bloggers and podcasters. "I immediately felt more connected to them than the doctors I had worked with for years." He read the book "The White Coat Investor" and discovered he could be financially independent enough to pursue other paths that excited him.
Now Jordan is the podcast host of the award-winning "Earn & Invest" podcast, he's a speaker and also the author of two books. His first book, "Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life" is about Jordan's journey, intertwining medical insight and financial wisdom and resonates deeply with those seeing a balanced, meaningful life.
His second book, "The Purpose Code" will be published in January 2025 by Harriman House Press. Jordan also continues to serve as an associate medical director at Unity Hospice. He lives with his family back in Evanston, Illinois where he grew up. Doc G says, "You don't have to change the whole world. You just have to change yourself. Grow and learn!" Wise advice for all of us.
Doc G's (un)retirement tips for self-reflection:
• "It's much easier staying at a job rather than exploring your purpose. I think that's a mistake. We need to re-imagine what purpose is for us, take the time and space to learn what it really looks like."
• "Don't be afraid of (finding a new) purpose. Purpose is abundant. It doesn't have to be difficult to find your "anchors" and build a life of purpose around them. Find a lot of stuff you like and just start doing it."
• "Most of the things that light us up have nothing to do with money.......How do we build a better life without waiting for some financial benchmark?"
Diana Landau is the Content Wrangler for Pickleball Media After 15 years in corporate marketing, in 2012 she pivoted to write and wrangle content for Niche Media's weekly blog. She now manages the "I Used to be Somebody" blog
Stephanie Stuckey Interview: Rebuilding Stuckey's a part of Americana
Diana Landau | June 11, 2024
Carl interviews the unstoppable Stephanie Stuckey, the CEO of Stuckey's. The brand is known by generations as a highway oasis serving up pecan log rolls and kitschy souvenirs. Many Boomers fondly remember family road trips throughout the U.S. when stopping at Stuckey's was a tradition. Reviving her family's company is just the latest in a long list of Stephanie's accomplishments. She's been a Public Defender, a Georgia State Representative, a Director of Sustainability and Resilience for the City of Atlanta and an Adjunct Professor at the University of Georgia School of Law. Stephanie's story has recently been featured in The New York Times, the TODAY Show and the Washington Post.
Stephanie was born in Easton, Georgia and was surrounded by family. "It was a fun childhood!" Her father was a U.S. Congressman, so the family split their time each year between Washington D.C. and Easton. Going back and forth between two very different homes, Stephanie says, "You grow up very resilient and you have to learn those social skills to survive."
After college and law school, Stephanie spent over 14 years as a Public Defender. She then served for 7 years as an elected Representative for the Georgia State Legislature. in 2012 she left politics and became the Executive Director of GreenLaw, an environmentally focused law resource center in Atlanta. (Another one of her passions.)
Stephanie's grandfather sold Stuckey's way back in 1964 for $16 million (the equivalent price in today's value would be $158 million). She purchased back her family's company in 2019 with no prior entrepreneurial experience. "I didn't even know how to read a balance sheet!" she tells us. Stephanie learned what she had to do--and that didn't include upgrading the actual physical stores, which were on the decline. Only a dozen out of 300+ stores were left. Instead, she realized people still wanted to be able to buy their pecan snacks and candies. Undaunted, she found two partners, (one a pecan farmer and one a marketing exec) and the brand now has an online store, a distribution center and just two years later, the company's sales have gone from $2 million to $14 million.
In addition to running the company and raising a family, Stephanie just wrote her memoir, UnStuck: Rebirth of an American Icon this year. In her spare time, Stephanie enjoys traveling by car to explore the backroads of America and pulling over at every boiled peanut stand. She says she follows her grandfather's and father's advice: Work hard, be fair and have fun!"
Stephanie's advice on starting a second (or third) act:
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"You are not alone! I think a lot of times it's very lonely, I know it is, it can be isolating when you're trying to put something out there."
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"Go out there and find your community so you can support each other. Just reach out!"
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"Embrace your weaknesses as opportunities to learn and celebrate your strengths!"

• (Un)Retirement Travel with the Pro Allan Wright, Zephyr Adventures
Diana Landau is the Content Wrangler for Pickleball Media. After 15 years in corporate marketing, in 2012 she pivoted to write and wrangle content for Niche Media's weekly blog. She now manages the "I Used to be Somebody" blog.