{"podcast":{"title":"Stay Wealthy Retirement Podcast","slug":"stay-wealthy-retirement-podcast-958142","podcast_index_feed_id":958142,"rss_url":"https://staywealthysandiego.libsyn.com/rss","website_url":"https://www.youstaywealthy.com/podcast","image_url":"https://static.libsyn.com/p/assets/c/3/f/9/c3f997f69702bee388c4a68c3ddbc4f2/Stay_Wealthy_Retirement_Podcast_Cover.jpeg","author":"Taylor Schulte, CFP®","episode_count":272,"summary":"Retirement is too important to leave to guesswork, headlines, or conflicting advice. The Stay Wealthy Retirement Show is an award-winning retirement podcast designed to help you make smarter decisions with your money, reduce taxes, invest wisely, and create a retirement income plan you can trust. Want to avoid overpaying the IRS in retirement? Prepare for the next stock market downturn? Optimize retirement timing? Turn your investments into reliable income without second-guessing every decision? You're in the right place. I'm Taylor Schulte, a Certified Financial Planner™ and retirement tax planning expert. Each week, I simplify the biggest retirement planning questions so you can feel more informed, more confident, and better prepared to \"stay wealthy\" in retirement.","last_synced_at":"2026-06-30T18:18:09.175720+00:00","page_url":"https://stenobird.com/podcast/stay-wealthy-retirement-podcast-958142"},"episode":{"title":"Why Saving for Your Future Self Won't Buy a Better Retirement (And What Will)","slug":"why-saving-for-your-future-self-won-t-buy-a-better-retirement-and-what-will","published_at":"2026-06-11T08:30:00+00:00","page_url":"https://stenobird.com/podcast/stay-wealthy-retirement-podcast-958142/why-saving-for-your-future-self-won-t-buy-a-better-retirement-and-what-will","show_page_url":"https://stenobird.com/podcast/stay-wealthy-retirement-podcast-958142","url":"https://www.youstaywealthy.com/287","audio_url":"https://traffic.libsyn.com/secure/staywealthysandiego/sw-287-final.mp3?dest-id=513717","summary":"You spend 30 or 40 years protecting your future self. Then you finally retire... and the person you were saving for never quite arrives. There's always an older version down the road who still feels like they need protecting. So you keep saving for tomorrow while postponing the life you could enjoy today. But more money for \"future you\" isn't what makes retirement better. In this episode, Hal Hershfield, Ph.D. — a UCLA professor of Behavioral Decision Making and author of Your Future Self — joins me to explain why. Here's what you'll learn: → Why your brain treats your future self like a stranger (and how that shapes every money decision) → How \"projection bias\" distorts irreversible choices like when to retire or claim Social Security → The \"denominator problem\" that stops retirees from spending + a simple reframe to help The distance we feel from our future selves is real and well-documented. It is also, with the right perspective, something we can learn to close. *** 📆 BOOK A CALL WITH OUR TEAM: Your retirement involves complex, interconnected decisions—taxes, income, healthcare, estate planning, investments. See how they fit together in one coordinated strategy built around your numbers. 👉 Learn More and Book a Call *** EPISODE RESOURCES: → Grab the Episode Show Notes → Join the Stay Wealthy Retirement Newsletter → Learn About the Total Retirement System™","meta_description":"You spend 30 or 40 years protecting your future self. Then you finally retire... and the person you were saving for never quite arrives. There's always an…","key_points":[],"chapters":[],"topics":[],"duration_seconds":2628,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/stay-wealthy-retirement-podcast-958142/episodes/why-saving-for-your-future-self-won-t-buy-a-better-retirement-and-what-will/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/stay-wealthy-retirement-podcast-958142/why-saving-for-your-future-self-won-t-buy-a-better-retirement-and-what-will.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}