All July long, we’re featuring a special replay series of standout episodes—and this week is no exception.Join us for a special episode as we welcome Christine Benz to discuss her book, "How to Retire." In a captivating conversation in the Rock Retirement Club, we dive into topics like long-term care, the 4% rule, investing strategies, and simplification. Featuring insights from Fritz Gilbert, a member of the club and contributor to Christine's book, this episode offers a holistic view of retirement planning. Discover how to balance financial and non-financial aspects for a fulfilling retirement journey.*Episode Originally Aired December 4, 2024*OUTLINE OF THIS EPISODE OF RETIREMENT ANSWER MAN<ul><li>(00:55) We are going to play some past impactful episodes for the whole month of July </li></ul>INTERVIEW WITH CHRISTINE BENZ<ul><li>(01:28) Today we start off the month with a replay of our interview with Christine Benz.</li><li>(03:17) Roger asks about the goal for the readers of this book.</li><li>(04:48) Christine: The goal was to cover retirement in a really holistic way and include as much non-financial as financial information on retirement planning.</li><li>(06:10) Roger thinks the interview style of the book helped make it more approachable.</li><li>(08:13) Roger asks Christine about any big, unexpected insights that came up when she was writing her book.</li><li>(11:12) Fritz Gilbert says I give Christine serious kudos for the approach she took and the amount of homework she did.</li><li>(12:35) Christine tells Fritz that she loves his methodical approach to dealing with the years leading up to retirement.</li><li>(14:16) Marla asks Christine if she would change anything if she was writing this book today to accommodate the 2024 election results and also asks about managing portfolios on Morningstar.</li><li>(18:15) Roger says when it comes to portfolio construction, it's easy to overcomplicate things</li><li>(21:14) Larry asks Christine what challenges her or confounds her most about her own retirement planning.</li><li>(23:35) Larry asks “Are you concerned that we may not find people to provide long term care?”</li><li>(31:08) Kevin Lyles asks Christine about asset allocation in retirement.</li><li>(37:55) Laura asks: When talking about high quality bond portfolios, do bond funds work?</li><li>(42:00) Roger asks about indexes and broad diversification. </li><li>(44:37) Roger says someone had a comment related to some of the research on small cap value and asks Christine her view on having a more diversified small cap value tilt?</li><li>(48:19) Eric asks “what is the argument for using TIPS (Treasury Inflation-Protected Securities)  for retirees?” </li><li>(51:28) Roger asks Fritz if he has been simplifying his portfolio or working more on optimization since retiring in 2018.</li><li>(53:52) Roger says the optimization part of retirement sometimes dominates the conversation.</li><li>(54:44) Roger asks Christine: Have you found in your own life a balance between making sure you don’t get too complicated in investments?</li><li>(57:55) Brianna asks Christine what question she has been reflecting on after the 20 interviews?</li><li>(58:45) Christine she’s been thinking more about whether the concept of retirement is flawed.</li></ul>BONUS<ul><li>(01:01:26) Roger reads an excerpt from his grandfather's WWII journal</li></ul>Resources Mentioned In This Episode<a href="https://www.wadepfau.com/">Wade Pfau</a><a href="https://www.morningstar.com/">Morningstar</a> <a href="https://www.theretirementmanifesto.com/">The Retirement Manifest- Fritz Gilbert</a><a href="http://daughterhood.org/">Daughterhood.org</a><a href="https://www.morningstar.com/people/christine-benz">Christine Benz</a><a href="https://www.rogerwhitney.com/6-shot-saturday">Six Shot Saturday</a>BOOKS<a href="https://www.amazon.com/How-Retire-lessons-successful-retirement/dp/1804090697/ref=sr_1_1?adgrpid=1343603866275084&dib=eyJ2IjoiMSJ9.W0GBsXl4MKBIp1wIkyVVtIzCnYZV26XGk8yDelMZBmQxyJ5hqTiRTDmzCFM7x4ppv1-PzJ507LNMVJFLz8_mwRd2LKxxcUFXPssiMcArjStxhi8L14zSkJKZUf0k1cBCpJ5I_sgvj_9JKBlH7XN1_F4j6uhGcacw2htqzhg9cI8VIYyfb69O7irRtu8XFEFk5XkDYPgUULWq78sKqjvScNwrPnUj3Q5UpAo_KtE69dE.S0WHa3DA9jsrigsqLrh_69FYuseUss01fiA3Sl5O0Do&dib_tag=se&hvadid=83975328479738&hvbmt=be&hvdev=c&hvlocphy=65739&hvnetw=o&hvqmt=e&hvtargid=kwd-83975677404224%3Aloc-190&hydadcr=21873_10483756&keywords=christine+benz&msclkid=b95e32b45587118e08d655fb00a6cd37&qid=1733252390&sr=8-1">How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement</a> - Christine Benz<a href="https://www.amazon.com/Being-Mortal-Medicine-What-Matters-ebook/dp/B00JCW0BCY/ref=sr_1_1?adgrpid=1335907203317941&dib=eyJ2IjoiMSJ9.O8nlroT8DDaFjJHaURYYZz7WXn2CazLIwsfHbvbz9ymJebUbYWRN4SFXMb01P5GiPdJ-g8oOlRlLqRnVa_9Pcshk1gkgQDY0QQ_g4wvc0vMvj4IZa2Ihu-YwjvLvcoJokPvXMVQmQ97kNuUYBiFF7rZAJNHCSZ4VLSl9-fEGDV-mA1dyBSfCZypVZu_Ft7V9iUgf0GzvWseaJv09_SkrazkBQfzzK_yeY5GY0JlDn0w.9lQEF4DOFByEXBQQdDfpo1QRB7slwsG8RndSUC_JmGE&dib_tag=se&hvadid=83494273122553&hvbmt=be&hvdev=c&hvlocphy=65739&hvnetw=o&hvqmt=e&hvtargid=kwd-83494568629993%3Aloc-190&hydadcr=22631_10477820&keywords=being+mortal+medicine+and+what+matters+in+the+end&msclkid=91319d60450b157826dcfa2f10be91fc&qid=1733252537&sr=8-1">Being Mortal: Medicine and What Matters in the End</a> - Atul Gawande<a href="https://www.amazon.com/Keys-Successful-Retirement-Staying-Productive/dp/164611339X/ref=sr_1_1?crid=1OZO8GAQGF2OE&dib=eyJ2IjoiMSJ9.f5AwFxDExSHCFCBQmsPbQRUyuxQgO1z-5L2P4JIQApMTt4R-qNv4scgteFfh_dY92L1bqJincSHcvaZYioIvnv4mMLUI5m3reVoiuunaEjKEewRy58QOJTH73Ld6FHZ0RlLGobG-UH0iR7lckLwPqM4Wkv08UXZx5m4YbjRKxcUAi344-7UlFNujKjH45i8lyRIryZH2jkSrr7ehmAl6ezDmnjP3crZ9lOrFeZUeNoI.evAcVsD1zANvQ7d77Hvrrut3ueX5QD7tWhxWqKdVw88&dib_tag=se&keywords=fritz+gilbert&qid=1733252693&sprefix=fritz+gil%2Caps%2C172&sr=8-1">Keys to a Successful Retirement: Staying Happy, Active, and Productive in Your Retired Years</a> - Fritz Gilbert<a href="https://www.amazon.com/Rock-Retirement-Simple-Control-Optimistic-ebook/dp/B075SS8V7X/ref=sr_1_1?crid=1ATB8V0H6Q3J8&dib=eyJ2IjoiMSJ9.i48_T6tj3iY2anVDLCXBN-21BjmhZ55jYKlL7Lcnt_KcDgDpWRhyjx11wj6vfUg10muv5_dpIyT7-nSDp4Kxhi4TifKq-kPHUl1H3gC47M2Na2_nYRmiK2i1lL31e51hZu-A3KokWieF-vmKsA0BgIr2D0r1RxMWrPnMMSqqC2n97YN4hVKBwXbC6lEShagT7NnWplIz5kK5RCL-cRl8stNVqnuyHJLlr0QLvN3pglw.3n2owiVJJHfaM5Rrl_SVoRl4j6_vVjaQTkiGpNVaV-M&dib_tag=se&keywords=roger+whitney&qid=1733252762&sprefix=roger+whitney%2Caps%2C155&sr=8-1">Rock Retirement: A Simple Guide to Help You Take Control and Be More Optimistic About the Future</a> - Roger Whitney

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