Derek Coburn
Appearances
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
So I got a question for you. Hit me. And we can talk later if you don't have time. So do you think, this is relative to your TED Talk, what you've been going through in your life, what I've been going through in my life in a similar way. This is like an existential question that I've been pondering for a while.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And if we were to take a step back and say, you know what, like I'm going to make sure I sleep more and the quality of my sleep is going to be better. I'm going to make sure that I'm eating a gram of protein per pound of body weight and I'm going to make sure that I'm getting exercise every single day. Yes, it means I have less time that I can work.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
in my business, but now this is a different version of me, a version of me that I'm really not entirely familiar with, that maybe I should give that version of me a shot to be even more productive and to get more things done and create better work done in a shorter amount of time.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
You know, for me, you know, I caught my eye to went through a bit of a period. You know, I'm probably oversimplifying it by calling it a midlife crisis, but that's probably what it was for me for about a year and a half. And I kind of shook up the snow globe. Marriage, you know, got rough for the first time. In almost 20 years, I was becoming more short-tempered.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
I realized that I found myself saying a lot of things like, I need to have sex with my wife in order to be the best version of me.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
Yeah. Not the sex part of my wife, but worked on the relationship there. But like everything else, like quit cold turkey. And I and and it became really difficult, really hard, you know, for several months. But I started a meditation practice because like you had never worked for me. And it finally clicked. I started using like Joe Dispenza's meditations and those work really well for me.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And I just was able to think about, you know, patterns and why was I constantly needing something to feel a certain way. And one of the things that emerged for me that I don't think would have emerged if I was constantly just feeding into my uncomfortable feelings with coping mechanisms.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
is I just thought back to when I was younger, man, you know, I thought back to, and I know you shared some of this in your story and your Ted talk. Um, but when I was in seventh grade, you know, I had an entire classroom of kids chanting, who do we hate? We hate Derek. And, you know, I had teachers telling me that I wasn't going to be successful because I wasn't getting a good grades.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And I had girls shooting me down and telling me that like, I was never going to have a girlfriend. And I just realized observing this energy in me that my entire life became one big giant, like, You don't think I can do something. Watch me. And, and, and I don't want to throw the baby out with the bathwater because that energy got me a lot of like amazing things.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
Like I really do have, I'm married to an incredible woman. Our relationship is in an amazing place right now. I've got great kids. I have more friends than most adults I know. But I was still like feeling that energy and it was still like, It was almost like every day I was waking up and my body was like, who are we going to start something with today?
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
Because in order to prove someone wrong, you need an adversary. And and so I've been like working and still am working to unwind that a little bit so that I can show up and create from not from a place of like wanting to get even with somebody, but from a place of like just creating because it's what I want to do on my terms and for my reasons.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
Great question. So I think, look, I will say that I now feel just incredibly liberated knowing that I don't really need anything from anybody or any substance in order to feel the way that I want to feel. Like, I'm going on walks with my... with my family some nights and, you know, completely sober. And it feels like I'm on drugs. I mean, it just feels like really good.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And, and when, again, when, when I, for me, when I was, when I needed wine or weed or, or nicotine or these other things in order to feel a certain way, I was basically saying I couldn't feel that way without them. So being able to start feeling these things now has been, has been really empowering.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
Um, look, I, there's a, there's a, a parable, there's a story in the Bible and I'm not going to get religious right now, but I will share this story because it's been really helpful to me. It's called the parable of the sower. And essentially it's about a seed that falls down from the sky and the seed is synonymous with connection to God.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And feel free to call this like connection to the highest version of you. Um, there's four different examples of a seed falling from the sky. And in three of the four examples, um, It lands in the wrong place. It doesn't have the ideal situations to grow, and it basically does nothing.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
One out of four times, it lands in fertile soil and produces 100-fold, is exactly what it says, 100-fold what was intended. So I kind of got in this rhythm where I said a year, year and a half ago, if I want to connect with God, with Source, with the highest version of me, I want to become very good at the soil optimization game. I want to be very good at taking great care of myself.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
I want to sleep well. I want to eat well. I want to feel well. I want to see how this version is guided. And look, man, this is a big part of the way this book came to be. Like this book really feels like I was channeling something from something much bigger than me. It wasn't difficult to produce once I got back into it. It flowed really easily. And look, I'm resisting goals.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
My publisher's upset about this, but I'm resisting goals in terms of number of books sold. I'm resisting goals in terms of number of speaking events that I do because I just want to be open to where this thing could go. And my main goals are to show up well. When my book gets launched, I want to be in the best shape I've ever been in.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
I want the relationships that I have with my kids and my wife, my friends and God to be in a better place than they've ever been in. And I just keep working on making sure that this is as optimized as possible. And I'm having really good results so far. So I'm doubling down and I'm going to see where this, you know, how far I can take it.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
Do you think it is possible to play a different game than the game that most people are playing without winning the primary game first? And I got we had money in the bank. We had like time.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
Yeah, so look, it's funny you mention this because the third chapter of my book is called Happiness Versus Meaning. And I break down a lot of, and I share a lot of research around people that are pursuing happiness versus people who are pursuing meaning as it relates to retirement, but it applies in all areas of life. And so essentially there was some research done where they took a lot of people
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
Half of them said, I'm prioritizing personal happiness. The other 50% said, I'm prioritizing purpose and meaning and contribution beyond myself. And what they found was the people that prioritized happiness had a reaction in their body.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
Their body's response was the same response that a body has when it's dealing with chronic adversity, like the loss of a loved one, the loss of a job, inflammation markers went through the roof. Immunity went down. These people were much more likely to get sick and die. This is why you hear a lot of stories about people when they retire, they die two or three years later. They lose their purpose.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
The people that prioritize purpose, they're here for something bigger than just themselves, bigger than sitting on a beach and drinking fruity alcoholic beverages every single day, which I'm sure can be great for a week or two, but at some point, I don't think that anyone is going to get lasting happiness from that. Their inflammation was low. Their immunity was high.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
They were not here for the party. They were here to really continue to make a difference. And so ironically enough, pursuing happiness is a really bad way to achieve happiness. And if you want to be happy... the data shows us like, we just need to keep focusing on these things that go beyond us and our personal gain.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And that, that is what's going to unlock, you know, feeling of bliss and happiness in our own lives.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And you were getting a third of your income from Social Security, a third of your income from pension plans, which don't really exist anymore. And you had to supplement a third of your income for like six years. That's all you needed.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
We were never meant to come here to do something that we don't enjoy doing for 30 years, to earn the right to sit around and do nothing at all after that for another 30 years.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
So, you know...
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
Look, I want to, uh, another good question. I want to double down and I have something else to add there, but I want to double down on the whole, like, look, um,
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
if you're tired, if you haven't been working out, if you're not eating well, if there's just a lot of stress in your life, I don't think that you should be calling upon this current version of yourself to be making important long-term decisions about the future of the type of work that you're going to do and where you're going to live or who you're going to spend your time with.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
So I would really encourage people to spend a couple weeks. I mean, I think that's all it takes to really make a big difference of committing to getting good sleep and eating well and let that version of you guide you in terms of how do I want to come at this? How do I want to approach it? But look, ultimately, I would say that if you can find some work to do that is big P purpose, that's great.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And for some of us, we get to keep finding things to focus on and contribute and the work that we do to earn a living and it lights us up and it's, and it's how we want to spend our time. I don't, I think that like, I don't think everyone needs that. I think that that what everyone needs is to not be doing something that sucks their soul to that, that they don't hate doing.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
But if you could find something, like I share a story about my brother-in-law has a friend who's got a job at a software company and he likes to work fine. Like he thinks it's pretty good and he likes his coworkers, you know, He thinks that they're cool people. They have an incredible vacation policy that allows him to see fish in concert 30 times a year. Right.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
So going to these concerts is his passion. And he found work that allows him to do that. Right. And now he might not continue to do what he's doing now, but he'll probably do something else as he gets older that will allow him to continue to spend his time there.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
and his energy and his efforts on things that light him up like i know people that their passion is they want to plan and organize the amazing two trips that all the friends take every single year or all the all the the big parties in the neighborhood or and look if you can find work that allows you to live out your your passion in some other area that's great um but ultimately you
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
there's gonna be a lot of flexibility here. I think by the year 2027, depending on where you get your information, over 45% of the workers in the United States are gonna be freelancers. There's gonna be a lot of companies, if you have talents, if you have skills, and you're willing to offer them, they're gonna let you do it on your terms. So if you say, look, I wanna work
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
four days a week, but I need all Friday, Saturday, Sunday. I don't want to work summers. I'm going to take a two year sabbatical and then come back at some point. Like you're going to have these opportunities.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And during the, during that time away, during that time off, you know, there's masterclasses, there's Udemy, there's all these other places, courses that you can go and learn new skills and learn different skills and, I think that there's so many jobs that are going to exist because of AI in 10, 15, 20 years that don't exist now.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
I heard Gary Vee the other day saying, and I agree, he's like, there's going to be a business in five or 10 years where people will pay you to go on walks with them. You have a certain topic of interest that they share, they want to hear your opinion on it, and they're going to pay you 20 bucks to walk with them.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
You know, you haven't been laid in two years. Yeah, you know, it's interesting. And we're thinking in our current situation, the way that we're currently showing up, that these things are going to be really difficult. And at first they are. But like for sleep, for example, I wake up now most mornings. And the way I feel, I didn't know that feeling was on the menu a couple of years ago.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
I didn't know it was possible to feel that good. And so for me personally, Like avoiding a glass of wine or two at night now, it's less about, oh, I know this is really bad for me. And it's more about I sort of traded one addiction for another. Like I'm more addicted to waking up and feeling amazing in the morning than I am from the feeling I'll get from having a glass or two of wine.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
Even like I'll show my age a little bit now. I'm 48 now. I went out last night with my family to a concert. It's 11 o'clock at night, and there's a great pizza joint right by the 930 Club in Washington, D.C., and they all wanted pizza. And, like, I love the pizza, and it's really good, but I also knew that I have, like, this conversation with you today.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
You know, I started writing the book. I had the idea to write the book in 2017, and that sort of just stemmed from, like, I've been a financial advisor for almost 27 years.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
I've got a few other things that I need to do. And so it was just my body, my mind, my spirit, my soul, they were helping me in the moment. To make it not a difficult choice to avoid doing that. Right. And so kudos to you for the advice that you gave that guy, man. And again, like I think all of these things are totally fine.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
But the more you do them, like the more you get your health right, the more you get your diet right and the way that you feel in your body, how good that feels. At least for me, man, like I don't want to I don't want to disrupt that. And it's almost like if I if I go on one of these benders and if I do drink a lot or if I do eat a lot of crappy food, then I'm going to feel like crap.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And so so it's helpful to be reminded in my body of why I might not want to do those things.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
I sold my practice to a private equity company in 2019, had an earn-out, have my clients, handful of clients I've been working with for a long time that I want to continue to work with, but I'm not really looking to grow my practice anymore. And when I started writing the book, None of that was on the table. And I was like, I want to write a book as a way to attract more clients for my practice.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
What I'll say is that the closer that you get to that rock star version of you, though, the less it's acting as if and the more it's actually just acting because that's how that person and how that version of you acts in those situations.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
Thanks, Ryan. Yes. So the book is out June 3rd. It'll be everywhere. You can get books for the most part. I'm giving away some bonuses, some preorder bonuses on my website, Derek Coburn dot com. And I'm already starting just to share and write a lot more even beyond the ideas in the book. It feels really nice to be in a place where. I don't really have anything to sell.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
I just get to write and share and contribute. And I mean, maybe I will at some point. But but for now, I just like being in a position of being able to give a lot of the wisdom, the ideas, the knowledge that I've been able to pick up over thinking about this topic for 20, you know, 20 some years.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
So I would love to connect with any or all of you over there and can't wait for my book to get out in the world and for, you know, hopefully some of the ripple effects it will create.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And it was going to be written for people that have, like, you know, minimal investable assets of, you know, $5 million and more. And then I was approached out of nowhere about selling the practice. Then COVID happened and my father got sick in the meantime.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And because I got some money and I got some space and I got to really kind of take a step back and look at my life, I was like, oh, I don't need more clients. I don't want more clients.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
I get to come back to this book and focus on writing it for a broader audience in a way that will hopefully be helpful to a lot more people than if I would have just plugged along and tried to write a book that was going to be a fancy business card to grow my practice. Yeah. But I was having these conversations with clients since 2005, 2010.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
We had, you know, things that we had on our side that allowed us to sort of like go through all that shit to emerge on the other side, like wanting to do something different that I don't know that like a single dad with a 96 job probably couldn't have done it the way that I did it.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
I always thought it was very interesting that when people meet with a financial advisor, financial advisors don't say, do you want to retire? They say, what age do you want to retire? We're automatically opted into this thing. And most people say, I don't really know. And they say, well, why don't we just go with 65? Because that's what everyone else picks and people say, sure.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And then they get this number that feels really big and unattainable. It stresses them out. It causes them to skip workouts and skip family dinners and have less sleep and really take them away from where they want to be. And what we're seeing is that a lot of people are getting there. They're finding this retirement thing is not what they were promised it would be.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
They don't feel the way they thought they were going to feel and they're going back to work. And so I'm just trying to get the attention of people well before this point to help them realize that as long as you don't hate what you do, if you can find some work that you enjoy doing, ideally, you're going to do it longer than you think.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And because of that, you don't have to save as much, which means you now have more money and more time that you get to spend right now on the people and things that are most important to you.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
One of my favorite books of all time is called Stumbling on Happiness by a Harvard professor named Daniel Gilbert. This came out 15 years ago, and I don't think he's written anything else since. Essentially, what he's saying is that we all just do a terrible job of predicting what our future selves are going to want.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And if you think about the assumptions that go into planning for retirement, that everything you just mentioned about inflation is true. And that's one component. We also have to accurately predict what the tax rates are gonna be every single year for the next 25 years. What's your pre-retirement rate of return is going to be in your portfolio.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
Each year, probably what your what your post retirement average rate return is going to be, among other things, including what year are you going to die? What year is your spouse going to die? If you're married, are your parents in good financial shape and good health? All of these things that we have, it's akin to like picking a 10 game parlay on Fandle. Right. And yet people are walking around.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
living their lives on a daily basis, like they're going to nail it. And they're making all these choices about how to spend their money and how to spend their time based on all of these things coming true. And we're going to be wrong about every single one of them.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
Yeah, you know, I think I always like to start from the money angle because I think people just really do not understand how much flexibility this frees up for them in the short term. There are so many people walking around that know deep down that they're not going to stop retiring. And there's even people – or stop working. And there's even some people that know that –
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
consciously that they're never gonna stop working, but they're still kind of living their lives based off the idea that they're gonna have this traditional retirement, that they need to save a certain amount of money. Like when they meet with their financial advisor every year, they're not saying, I'm gonna work forever.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
They're just going along with the idea that they have to save this amount of money. So I share a story about a hypothetical guy named Tony in my book. And I say, Tony is 45 years old. He makes $150,000 a year and he has $150,000 saved up for retirement. And if Tony wants to retire at 65, using all of the basic assumptions in our industry, 3% inflation, 7% return.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
on his assets until retirement, 6% after, and have him passing away at 95. If he wants to stop at 65, he has to save $2,400 a month in order to get there, which is about 20% of what he's making, which is a non-starter for most people. If Tony says, I'm going to work until I'm 75 instead of 65, that number goes from $2,400 a month down to $110 per month. It goes down by 96%.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
If Tony says he'll work until he's 75 more years, which is I think likely to happen based on the number of people that we see reentering the workforce after they retire, the number goes down to $600. It goes down by 75%. So once I share that with people and they're like, oh yeah, like I've got this extra time and money, I can think about how I'm going to spend it differently.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
They feel better going to the driving range. They feel better taking the vacation. When I first start working with clients, hardly anyone comes in my office with their hand raised saying, I know I don't want to retire. So I'll humor them. I'll ask them questions that they are expecting to be asked. Like, what are you going to do in retirement? I'm going to travel the world with my spouse.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And I say, great. When was the last time you two went out on a date together? And, you know, nine times out of 10, they just sort of look at each other and they don't really know how to answer that question. Or someone will say, I'm going to play golf five days a week. OK, but you haven't been to the gym in four years and you just had your hip replaced. So when is this going to happen?
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And I think what you probably see is the more time that we make for these things now, the more likely it is we're going to be able to continue to do them. So you go and hit golf balls. that's less time for you to spend on your business, but you come back to your business in a better frame of mind with more clarity, with less stress, you're being more productive there.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And now you're also more likely to continue your golf habit. Well, you know, into your older age.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
Yeah, you know, I think that the last chapter in my book is called Investing in You. And I essentially say hopefully I've made a case for why you're going to be working longer. And if you agree, that means you now have this extra time and money that you get to spend on other things. And, you know, some of the things I mentioned there are taking better care of yourself.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And I think that in our society – We overemphasize the long-term benefits of things like sleep and diet and exercise, and we underemphasize the significance and the impact of these things in the short term. So yes, sleeping well is very good for you in terms of how you're going to feel 20 years from now, but it's also extremely good for you in terms of how you're going to feel 20 hours from now.
The Ryan Hanley Show
The Retirement Fallacy: Embracing Fulfillment Now | Derek Coburn
And I think that the best person for any of us to be getting advice from about anything is the most optimized version of us. And so many of us are are not close to that at all. So we feel like we have to work all these extra hours to overcompensate for the fact that. We're tired. We have brain fog. We're stressed out. We have anxiety. We're not thinking clearly.