When the f**k did I become old?

Kev gets brutally honest about retirement, what it actually means, whether you can afford it and what to do if you can't. With guest Richard Squire of My Finance Future, they dig into the financial realities facing people in their 50s & 60s: from FIRE movements to the PLSA's benchmark figures, legacy planning and why your first retirement budget will probably be laughed at. Spoiler: Jo laughed at Kev's.

Key Takeaways
• Second & third careers, partial work & financial independence
• FIRE movement (Financial Independence, Retire Early) is reshaping how people think about work & money
• The PLSA estimates that a comfortable retirement in UK £60K pa after tax
• Build your retirement budget from the bottom up.
• Keeping mentally active matters
• Helping kids is a newer, growing part of strategy
• Start checking your pension now

Timestamps
• 00:45 — 4 stages of retirement, what it brought up for Kev
• 02:20 — Mortality reality check: losing parents, becoming head of family
• 03:10 — Triggers: empty nest, mortgage renewal, the oldest at work
• 04:30 — Introducing Richard Squire
• 04:59 — What does retirement mean today
• 06:09 — FIRE movement: Financial Independence, Retire Early explained
• 07:15 — Final salary pensions vs. modern approaches
• 08:09 — Keeping your brain active, why Kev worries about doing sod all
• 09:08 — Leaving a legacy vs spending it all
• 12:04 — Pension briefings at work
• 12:38 — Kev's 1st retirement budget, Jo's verdict: f**king ridiculous
• 13:39 — PLSA figures: what a comfortable retirement actually costs
• 15:00 — Why bottom-up personal budgeting beats mythical averages
• 16:38 – The go-go, slow-go and no-go years of retirement explained
• 18:30 – 3 approaches to planning: advisor, coach or DIY
• 22:25 – Kev's experience trying to move money out of a defined benefit pension
• 23:40 – The British Steelworkers DB scandal
• 24:30 – Where to start if you want to take control • 26:46 – Why getting pension decisions right first time matters
• 27:53 – What Richard's cashflow forecasting tool does
• 30:04 – Treat retirement planning like project management




https://myfinancefuture.com/learn-more
MyFinanceFuture: https://www.youtube.com/watch?v=u3tke_J8HrY

Inspired by the Winter Olympics, we dive into whether it's ever too late to hit the slopes and what to do when your partner just isn't that into it.
Kev is a seasoned snowboarder heading to Méribel in his 60s. Jo learned to ski at 57... under protest. We share our honest, sometimes hilarious experiences, plus practical advice for midlifers considering winter sports for the first time (or for the first time in a while).
Key Takeaways
· Why the 2025 Winter Olympics felt so inspiring for older viewers
· The 2030 Winter Olympics in France: 7 centres including Nice, Courchevel & Méribel
· Why the average age of a new ski school student in Canada is 45
· The real reason older beginners struggle; it's psychological, not physical
· The physical and social benefits of skiing and boarding in midlife
· Ski trips designed specifically for the over-50s
· What to do when one partner loves it and the other... really doesn't
· The rules: never teach your partner yourself
· How to sweeten the deal and find the right resort for mixed-ability couples
· Jo's ongoing negotiations about whether she'll ever ski again
Coming up: Jo talks to a coach who specialises in helping women over 45 rebuild their confidence on the slopes.
TIMESTAMPS:
00:44 – The Winter Olympics were inspiring
03:15 – What makes the 2026 Milan-Cortina Olympics different; multiple locations
04:25 – The 2030 Winter Olympics in France: 7-centre breakdown
07:00 – Kev heads to Méribel; two men over 60 on the mountain
08:00 – Jo's ski history (it's not pretty)
10:05 – The family Christmas ski trip to Méribel
11:20 – Jo learns to ski at 57 (under duress)
12:22 – Stats: average age of new skiers is 45 and cognitive ability at 50+
13:10 – The fear of falling problem
14:01 – Physical & social benefits of skiing in midlife
15:22 – Jo admits her fears of falling and her blocks
16:28 – Over-50s ski organisations & group holidays
19:00 – Club Med do social skiing for adults in term time, could this be the answer?
20:33 – Options when partners have different enthusiasm and skill levels
21:55 – Choices for going to a ski resort, rules and Golden rules: don't teach your partner; be back for après
25:25 – The infamous lost children incident in Méribel
28:45 – Will Jo ever ski again? Watch this space
RESOURCES MENTIONED: The Ski Gathering | Snow Camps Europe | Ski World Over 50s | Ski Club of Great Britain – Fresh Tracks (over 60s) | AARP 50+ Ski Club | Club Med social skiing

Think retirement is all about having enough money saved? Think again. In this eye-opening conversation, retirement coach Dawn Marcotte reveals the hidden challenges that hit six months after you leave work - the anxiety, the boredom, the loss of identity. Dawn breaks down the four stages of retirement and shares practical strategies for building a fulfilling post-work life, from creating your "curiosity list" to joining industry associations where your expertise still matters. This episode tackles the emotional and social aspects of retirement that nobody prepares you for, with honest discussion about depression and invisibility. disappear.
KEY TAKEAWAYS
· Retirement coaching focuses on the emotional, social, and psychological changes - not finances
· The first 6 months feel amazing, then many people experience anxiety and depression
· Without planning, it takes 2 years on average to figure out retirement happiness
· The four stages: Honeymoon → Lost → Exploration → Reinvention
· You need to replace: routine, intellectual stimulation, purpose and social connections
· Create a "curiosity list" of things to explore without judging if you'll be good at them
· Join industry associations to mentor others
· Quality of relationships is the #1 predictor of happiness
· Society tells retirees to "be small"
TIMESTAMPS
00:52 - What is a Retirement Coach? Dawn explains the non-financial side of retirement coaching and why it's needed
01:40 - Why the first six months of retirement feel fantastic
02:03 - The "Now What?" Moment. When boredom and anxiety set in
03:13 – Why am I not having the time of my life?
04:02 - Key Elements for Retirement Success
04:33 - Dawn compares retirement boredom to the end of summer holidays as a kid
05:40 - DIY Jo discusses people who think they'll paint the house repeatedly (the Severn Bridge analogy)
06:45 - Most people feel lost 6 months to a year after retiring
07:56 - The Four Stages of Retirement
08:22 - The Reinvention Stage
08:43 - Giving Back Through Your Passions
09:44 - Why some people never reach the reinvention stage
10:02 - When grandchildren grow up and don't need you anymore - then what?
11:45 - UK retirement age is rising to 67-70, meaning 15-20 years to fill
13:00 - How removing structure without replacement can cause depression
14:20 - Baby Boomers & The Retirement Crisis
15:04 - The Introvert-Extrovert Marriage Challenge
16:00 - Why men particularly struggle when all their friends were at work
16:44 - Kev's Retirement Plans, he is considering snowboard instructor training to manage the transition
18:32 - The Need for Intellectual Stimulation
19:09 - Dawn's coaching technique: brainstorm things you're curious about
19:42 - Using your career expertise to mentor others after retirement
22:00 - Dawn recommends public speaking to share expertise
23:45 - Culture "be small" in retirement
24:17 - Tony Robbins' Six Human Needs
25:19 - Research shows relationship quality is the #1 indicator of happiness at any age
27:19 - Joining Organizations, finding people who enjoy what you enjoy to build new social connections
28:09 - Dawn's Book: "Filling the Blank Page"- practical guide to building a retirement of passion and purpose
30:00 - New Website Launch dawnmarcotte.com
30:30 - Dawn offers to help UK listeners find coaches i

When your adult children get married, you're not just gaining an in-law you're potentially entering a minefield of power struggles, boundary conflicts and family drama. This week, we unpack "brat-ults (privileged young adults publicly cancelling parents) through the lens of celebrity wedding wars, then dig into what happens when your first child ties the knot. From Brooklyn Beckham's 6 page Instagram manifesto to the universal challenges of dealing with your kids' partners, wedding ceremonies and prenup conversation.

KEY TAKEAWAYS
The "Brat-ult" Phenomenon: Privileged young adults publicly cancelling parents
Entitlement vs. Legitimate Conflict: The difference between healthy boundaries and entitled behaviour
1st Marriage Milestone: Parents in their mid-50s/early-60s typically experience their first child's wedding
The Partner Question: Do you express concerns about your child's relationship
Power Struggles Are Real: Wedding planning can become a battleground between families
"Us" Matters: Supporting your adult child's relationship means accepting their partner is their priority
Prenup: Best done when couples are in love and with wealth inequality
Grandchildren Pressure: Being obsessive about grandchildren
Independence Is Healthy: Teaching children self-sufficiency early creates better boundaries
The Divorce Reality: With a 48% divorce rate, statistical concerns about marriage are valid but tricky
Let Them Make Mistakes: Adult children need to make their own choices

TIMESTAMPS
00:30 Brat-ults, cancelling parents and wedding conflicts
00:59 - What are "brat-ults"? Dr. Elizabeth McCain's article on privileged young adults in conflict with their parents
01:53 - Celebrity examples: Brooklyn Beckham and Prince Harry
03:00 - Jo's frustration with Brooklyn’s entitled behaviour and public family feuds
04:38 - The psychology of spoiled children and parental guilt
06:43 - Social media's role in normalising parent cancellation, by the rich and famous
07:08 - The immaturity of public family conflicts
08:22 - Brooklyn Beckham's wedding as the catalyst
09:26 - Plot twist: When did the Spice Girls get old?
09:52 - Parents in their 50s/60s experiencing their first child's wedding
10:24 - Power struggles behind the scenes at the Beckham wedding
10:57 - The new family dynamic: Your kid is no longer a kid
12:06 - Do you like your child's partner? What if you think it won’t last?
13:30 - The importance of "the us" in relationships
14:15 -Jo's take on not being married herself
15:05 - Mother's sense of loss when a child marries
16:43 - Jo's parenting style: Independence from an early age
17:23 - Single parenting and teaching self-sufficiency
18:33 - In-law relationships: Does it really matter if you don't click?
19:20 - Power struggles over the wedding ceremony itself
19:35 - Mumzilla vs. bridezilla: Jo's prom dress experience
20:33 - Making mistakes and learning independence
20:52 - The grandchildren pressure problem
22:11 - Kev's statistical approach to marriage advice for his boys
23:01 - The prenup debate: When does it make sense?
23:47 - Deed of trust: Jo's experience with wealth protection
24:33 - Wealth inequality and prenup timing
25:20 - Kev - Would you tell your child you don't like their partner?
26:06 - Malevolence vs. minor annoyances
27:17 - Wedding planning involvement
28:52 - Final thoughts: Freedom, boundaries and respecting choices

We celebrate our podcast's 1st anniversary on Valentine's Day by diving into dating after 50, relationship maintenance and why this made-up holiday matters more than we thought.
Forget just celebrating Valentine's Day, we're celebrating a full year of podcasting! In this milestone episode, we reflect on our journey from starting with different co-hosts to building an audience (slower than expected!), going viral with 200K views and even getting nominated for a Pro-Ageing Podcast Award.
But the heart of this episode is about love after 50. We explore the three types of people on Valentine's Day (singles, established couples, and newly dating), confess how we nearly let Valentine's Day slide after 8 years together and share what people actually prioritise when dating post-50: intelligence, humour, honesty and kindness.
We get brutally honest about the challenges of dating later in life, the baggage everyone brings, financial compatibility conversations, health considerations and the reality that 35-40 years of habits won't change. From joint bank accounts (we don't have one) to understanding your partner's "money language," we cover the conversations you need to have before fully committing.

KEY TAKEAWAYS
Podcasting reality check: We overestimated Year 1 success and learned listeners dip in and out rather than following.
Valentine's serves as a reminder to invest effort in your relationship, not just celebrate on one specific date.
Post-50 dating priorities shift: Intelligence, humour, honesty and kindness matter most (men add facial attractiveness; women add dependability).
Everyone over 50 has baggage; we think it's actually a red flag if they don't.
The comfort zone trap is real: Cohabitation can lead to taking each other for granted if you're not careful
Money means different things: Safety, control, freedom, or love, understanding your partner's "money language" is crucial
We took 4.5 years before moving in together, there's no rush when you're building something real

TIMESTAMPS
00:27 - Introduction & First Anniversary
01:54 - Year One Highlights and Surprises: Viral Posts & Award Nominations
02:49 – Lessons Learnt from Our First Year
04:10 - The Three Categories of Dating for People over 50 on Valentine's Day
05:41 – The Evolution of Our Valentine’s Day
06:18 - The Comfort Zone Trap: How We Nearly Let Valentine's Slide
10:15 - What People Over 50 Actually Look For in Partners
11:29 - The Baggage Factor: Everyone Has a History
14:07 - Blended Families & Why We Had It Easier
14:55 – Our Primary Motivation When We Started Dating Each Other in Our Mid 50s
16:21 - Health & Wealth: The Delicate Conversations – Do you want to be a nursemaid?
17:19 - It Is Important to do Things Together
19:00 - Financial Compatibility: Joint Accounts vs. Independence
21:21 - Emotional Transparency, Past Relationship Trauma & Understanding Your Own “Money Language”
23:34 - Our Relationship Journey & Philosophies to Dating
25:53 - Our Opinion on Dating post 50

RESOURCES MENTIONED
• Anthony Robbins quote on Year 1 vs. Year 5 expectations
• Sunday papers article on dating characteristics post-50
• Research on financial compatibility in couples
• Love languages and attachment styles theory
• Previous viral episode: Should Adult Children Spend Christmas With Us?

CONNECT WITH US
Available on Apple Podcasts, Spotify, and YouTube Instagram: @whenthefuckdididbecomeold