Episode
🧠 Are you *Psychologically* prepared for Retirement? w/ Financial Therapist, John Hankins
- Podcast
- Money Healing Club Podcast
- Published
- Jun 20, 2025
- Duration seconds
- 3059
- Processing state
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Summary
What happens when the thing you've been working toward your entire career—retirement—suddenly feels more terrifying than exciting? In this episode of The Money Healing Club Podcast, Rachel sits down with John Hankins, a 73-year-old financial therapist who's not just studying retirement psychology, he's living it. After 35 years in IT, John reinvented himself as a financial therapist and brings both professional expertise and personal experience to help people navigate the psychological complexities of retirement. They explore the anxiety of managing a larger pile of money than you've ever had to manage before, the identity crisis of "who am I if I'm not working?", and the complicated family dynamics that emerge when adult children are struggling financially while their retired parents sit on retirement savings. 💬 "We viewed our future-selves as strangers... what can we do to improve our relationship with our future self?" - John Hankins Key Takeaways: The 401k generation faces unique psychological challenges compared to the pension generation Moving from "accumulation phase" to "withdrawal phase" requires a complete mental shift Many retirees struggle with identity issues beyond just financial concerns The concept of "future self" can help bridge the gap between present decisions and future needs Intergenerational financial dynamics create complex guilt and boundary issues Guest Info: John Hankins is a licensed clinical social worker and certified financial therapist who specializes in working with people navigating the psychological complexities of retirement. At 73, he brings the unique perspective of someone who has personally experienced the transition from accumulation to de-accumulation phase. You can find him at www.financial-therapy.me ⏰ EPISODE BREAKDOWN 04:30…