Three Essential Questions for Retirement Success | Accessible Finance for Retirement Ep. 89
Mon Oct 27 2025
In this episode, Eric and Rachael Johns answer listener questions and discuss an article from The Retirement Manifesto titled 'Three Questions That Determine 99% of Your Retirement Success.' They delve into the importance of having a reliable cash flow plan, accounting for healthcare and unexpected costs, and how to spend time and stay fulfilled in retirement. The hosts also explore various aspects of retirement planning, including budgeting, healthcare, and the significance of estate planning, providing listeners with valuable insights on achieving a successful and fulfilling retirement.
00:00 Introduction and Listener Questions
01:12 Question 1: Reliable Cash Flow Plan
03:23 Question 2: Healthcare and Unexpected Costs
04:41 Budgeting for Unexpected Expenses
07:36 Planning for Major Purchases
08:58 Tools and Tips for Financial Planning
10:08 The Financial Focus in Retirement
10:22 The Impact of Retirement on Mental Health
10:37 Hobbies and Spending in Retirement
11:42 Social Dynamics in Retirement
12:58 Planning Your Retirement Days
13:38 Retiring to Something vs. From Something
15:09 Strategies for Retirement Income
18:08 Estate Planning and Withdrawal Strategies
19:02 The Importance of Trusted Advisors
20:18 Wrapping Up and Looking Ahead
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In this episode, Eric and Rachael Johns answer listener questions and discuss an article from The Retirement Manifesto titled 'Three Questions That Determine 99% of Your Retirement Success.' They delve into the importance of having a reliable cash flow plan, accounting for healthcare and unexpected costs, and how to spend time and stay fulfilled in retirement. The hosts also explore various aspects of retirement planning, including budgeting, healthcare, and the significance of estate planning, providing listeners with valuable insights on achieving a successful and fulfilling retirement. 00:00 Introduction and Listener Questions 01:12 Question 1: Reliable Cash Flow Plan 03:23 Question 2: Healthcare and Unexpected Costs 04:41 Budgeting for Unexpected Expenses 07:36 Planning for Major Purchases 08:58 Tools and Tips for Financial Planning 10:08 The Financial Focus in Retirement 10:22 The Impact of Retirement on Mental Health 10:37 Hobbies and Spending in Retirement 11:42 Social Dynamics in Retirement 12:58 Planning Your Retirement Days 13:38 Retiring to Something vs. From Something 15:09 Strategies for Retirement Income 18:08 Estate Planning and Withdrawal Strategies 19:02 The Importance of Trusted Advisors 20:18 Wrapping Up and Looking Ahead