Retirement planning is often reduced to two questions: How much do I need? and When can I retire?

But what if your money has more than one job?

In this solo episode of Built to Radiate, Nicki explores a more personal way to think about retirement planning—one that considers not only how long your money may need to last, but what you actually want it to make possible throughout the different seasons of your life.

TUNE IN HERE

A recent experience with someone close to her facing a serious health issue prompted Nicki to reflect on how quickly our assumptions about time can change. The trips, creative pursuits, family experiences, generosity, and dreams we imagine for “someday” may deserve a more intentional place in the financial planning conversation today.

Nicki walks through four different jobs your money may have over the course of your life:

Life now — supporting the experiences, flexibility, creativity, relationships, and priorities that matter in your present life.

Early retirement — creating resources for the years when you may have more time, energy, mobility, and freedom to travel, explore, learn, and enjoy what you worked to build.

Later-life security — thoughtfully preparing for ongoing living expenses, healthcare needs, longevity, and the possibility of additional care or support later in life.

Legacy — considering not only what you may leave behind financially, but also the generosity, opportunities, experiences, and memories you may choose to create while you are still here to participate in them.

Throughout the episode, Nicki invites you to think beyond the idea of one retirement number and instead consider the purpose, timing, and meaning behind different portions of your financial resources.

Because a thoughtful financial plan isn’t only about preserving money. It can also be about creating optionality—giving yourself more room to make intentional choices throughout the decades ahead.

One question to sit with after listening:

What do I want my money to make possible while I’m here to enjoy it?

This episode is for you if you’re thinking about retirement, navigating midlife, reconsidering what “enough” means, or simply wondering how your financial life can better support the experiences and relationships you value most.

Disclosure: Built to Radiate is presented by Radiant Wealth Advisory, LLC, a state-registered investment adviser. This content is for general educational and informational purposes only and should not be interpreted as individualized financial, investment, tax, legal, accounting, medical, mental health, therapeutic, or business advice. Listening to this podcast or engaging with related content does not create an advisory relationship with Radiant Wealth Advisory, LLC. Advisory services are provided only pursuant to a written agreement. Investing involves risk, including possible loss of principal, and no outcome is guaranteed.