133 episodes

Don’t Retire… Graduate! Is the podcast that asks what you want to be when you grow up so you can graduate into retirement with a passion and a purpose.

Hosted by Certified Financial Planner Practitioner, Eric Brotman, this show will explore different methods for saving money, paying down debt, raising financially literate children, growing your wealth, and reaching financial independence–whether you’re 35 or 65.

Retirement is not the absence of work, but the absence of needing to work. So join us while we talk to award-winning, best-selling authors, finance experts, influencers, and people with amazing money stories to help you set and reach financial goals, discover your passions, and make a plan for what you want to be when you reach the point where work becomes optional.

Plus, between full episodes we’ll answer listener questions about personal finance, investing, retirement readiness, taxes, and more.

Topics covered include: budgets, credit, debt, emergency funds, balancing expenses, health savings accounts, insurance and risk management, financial advisors, mortgages, retirement savings, social security, money management, spending, fintech and finance apps, employee benefits, and the FIRE movement.

Don't Retire...Graduate Podcast Eric Brotman

    • Business
    • 5.0 • 34 Ratings

Don’t Retire… Graduate! Is the podcast that asks what you want to be when you grow up so you can graduate into retirement with a passion and a purpose.

Hosted by Certified Financial Planner Practitioner, Eric Brotman, this show will explore different methods for saving money, paying down debt, raising financially literate children, growing your wealth, and reaching financial independence–whether you’re 35 or 65.

Retirement is not the absence of work, but the absence of needing to work. So join us while we talk to award-winning, best-selling authors, finance experts, influencers, and people with amazing money stories to help you set and reach financial goals, discover your passions, and make a plan for what you want to be when you reach the point where work becomes optional.

Plus, between full episodes we’ll answer listener questions about personal finance, investing, retirement readiness, taxes, and more.

Topics covered include: budgets, credit, debt, emergency funds, balancing expenses, health savings accounts, insurance and risk management, financial advisors, mortgages, retirement savings, social security, money management, spending, fintech and finance apps, employee benefits, and the FIRE movement.

    How Much Money Should You Have in an Emergency Fund?

    How Much Money Should You Have in an Emergency Fund?

    In today’s Office Hours, Eric answers Jenna's question: “how much should I have in an emergency fund?”
    This can vary based on a lot of factors, and emergency funds don't need to just be in the form of savings accounts. Eric explores the different layers that can make up your emergency fund and the rules of thumb for how much money is safe. 
    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!

    • 6 min
    The Behavioral Investor: How Our Minds and Emotions Can Ruin Our Investment Portfolios with Dr. Daniel Crosby

    The Behavioral Investor: How Our Minds and Emotions Can Ruin Our Investment Portfolios with Dr. Daniel Crosby

    Welcome to the season four finale of Don’t Retire... Graduate! We’ve had amazing guests this season and couldn’t be more excited to finish with today’s guest. Dr. Daniel Crosby is a psychologist and behavioral finance expert who helps organizations understand the intersection of mind and markets and explores the way our brains affect our choices when it comes to money. He is here to talk about the way mental biases can affect our decision making and make us uniquely stupid when it comes to money (his words, not ours). 
    In this episode we’ll talk about:
    •Behavioral finance and looking at the role psychology plays in our financial lives 
    •How people are uniquely stupid when it comes to money and how the brain reacts when thinking about money
    •The biases we all can fall victim to that can negatively affect our investments 
    •Decision making styles applied to money versus everywhere else in our lives
    •The performance of Amazon stock over the past twenty years
    •Day trading and how active investors tend to underperform 
    •Action bias, confirmation bias, investing alongside your political party, investing alongside your morals, loss aversion, the house money effect, and mental accounting and how they all affect our financial choices 
    •The value of a financial advisor versus doing it yourself 
    •Results of studies on financial advising, including investors working with advisors accumulating far more wealth than those without advisors 
    •The meaning of the term fiduciary and how it applies to finance and psychology 
    •Giving up on dreams of professional sports careers
    •Positive psychology, PERMA, and Dr. Martin Seligman’s contribution 
      
    Visit dontretiregraduate.com for a full transcript of this episode.
    Dr. Crosby's Book 
    About Daniel Crosby
    Dr. Daniel Crosby is a psychologist and behavioral finance expert who helps organizations understand the intersection of mind and markets. Dr. Crosby's first book, Personal Benchmark: Integrating Behavioral Finance and Investment Management, was a New York Times bestseller. His second book, The Laws of Wealth, was named the best investment book of 2017 by the Axiom Business Book Awards and has been translated into 7 languages. His latest work, The Behavioral Investor, is a comprehensive look at the neurology, physiology and psychology of sound financial decision-making.  
    https://www.standarddeviationspod.com

    • 33 min
    Financial Planning for the Do-It-Yourselfer

    Financial Planning for the Do-It-Yourselfer

    In today’s Office Hours, Eric answers Jason's question: “what are a few basic aspects of a financial plan that I can create myself?” The truth is, you can do it all yourself or with the help of a few vendors. A financial planner is not necessarily needed. But which way is right for you?
    Have a question? Post it in the comments, tweet it to us at @BrotmanPlanning, or post it on our Facebook and it may be used in a future episode of Office Hours!
    Visit dontretiregraduate.com for a full transcript of this episode.

    • 6 min
    M is for Money: Teaching Personal Finance to Kids in School and at Home with Rob Phelan

    M is for Money: Teaching Personal Finance to Kids in School and at Home with Rob Phelan

    Welcome back to Don’t Retire... Graduate! Today we’re going back to school with Rob Phelan, a high school math and personal finance teacher and author of the children’s book M is for Money. Rob is here, live from his classroom, to talk about money and the roadblocks we’re facing while advocating for personal finance education for kids. 
    In this episode we’ll talk about:
    •The difference between math and personal finance 
    •Why we overestimate our abilities in nearly all aspects, but doubt our abilities to understand and make money
    •Money stories and how we’re shaped to make decisions as children
    •Why it’s so hard to create a formal education in personal finance
    •The struggles teachers face when creating personal finance curriculums
    •Nonprofit organizations that have resources available for schools and students 
    •How kids can start learning about money as early as preschool and how we can teach money concepts at different ages
    •Entrepreneurship, pre-selling a business idea, and crowdfunding
    •Understanding regret and buyer’s remorse as a child
    •The ice cream theory of teaching patience and delayed gratification to toddlers
    Visit www.misformoneybook.com to learn more about Rob's book.
      
    Visit dontretiregraduate.com for a full transcript of this episode.
    About Rob Phelan
    Rob Phelan is a high school math and personal finance teacher in Frederick, Maryland, a Certified Financial Education Instructor, business owner, and author of the recently published children’s book, M is for Money. 
    Rob is a passionate advocate for greater levels of financial education to help our youth make better financial decision moving into their futures. 
    Rob Phelan Facebook
    Rob Phelan Twitter
    Rob Phelan Instagram
    Rob Phelan LinkedIn

    • 32 min
    Paying Over Asking Price For a House: Good or Bad Idea?

    Paying Over Asking Price For a House: Good or Bad Idea?

    In today’s Office Hours, Eric answers Matthew's question: “is it better to pay over the asking price for a house or just rent?"
    There is so much going on in the market right now that is making purchasing a home -- especially your first home -- particularly difficult and expensive. Do you go for it or wait it out?
    Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!
    A full transcript of this episode can be found at dontretiregraduate.com.

    • 7 min
    True Grit: Blazing a Trail from Homelessness to Award-Winning Financial Educator with Sharita Humphrey

    True Grit: Blazing a Trail from Homelessness to Award-Winning Financial Educator with Sharita Humphrey

    Welcome back to Don’t Retire... Graduate! Our guest today did what nobody thought was possible: left Eric speechless. Sharita Humphrey has a remarkable story of grit and resilience. From a homeless mother of two living out of a motel, Sharita promised her sons that she would change their situation and did not rest until she did. The now award-winning financial educator is here to share that story and spread her message that just because you lose things, you can never lose hope. 
    In this episode we’ll talk about:
    • The importance of having money conversations at home 
    • Sharita’s story of becoming a mom early, the feelings of failure that came with losing her home, and her experience living in a motel for close to a year
    • How financial literacy education can change your financial trajectory 
    • How it feels to leave traditional employment and scratch an entrepreneurial itch
    • Keeping experiences as a line item on a budget 
    • Creating a safety net by building an emergency fund 
    • Creating jobs and abundance through agriculture 
    • Seeing your budget as a blueprint to keep you in the driver’s seat 
      
    Visit dontretiregraduate.com for a full transcript of this episode.
    www.sharitamhumphrey.com
    www.changeinmotion.co
    About Sharita M. Humphrey
    Sharita M. Humphrey is a nationally recognized, award-winning finance expert and money mentor. Having previously been broke and homeless herself, Sharita knows first-hand that financial freedom has a blueprint and she’s committed to helping individuals change the financial trajectories of their lives.  
    Sharita is a certified financial educator, speaker, and coach. At her namesake financial consulting company, Sharita helps minority women better understand, manage, and grow their money. Sharita also helps Black and Brown entrepreneurs learn how to accelerate their businesses and secure funding through her other company, Change In Motion, which offers a comprehensive education program.  
    In 2020, Sharita was named National Financial Educator of the Year for her work within her local community and across the country. She is a regular contributor to entrepreneurial publications and has been featured in top-tier media including CNBC, iHeartMedia, Forbes, Yahoo Finance and BBC World News.  
    This year, Sharita and her family set a goal of purchasing hundreds of acres of land over the next few years to build a family-run farm. During their journey, Sharita is teaching minority farmers how to obtain monies to acquire farmland and helping them to retain their land for generations to come.  
    Sharita M. Humphrey Facebook 
    Sharita M. Humphrey Instagram
    Sharita M. Humphrey Linkedin

    • 35 min

Customer Reviews

5.0 out of 5
34 Ratings

34 Ratings

societyhillmom ,

So much knowledge!

I really enjoy listening to Eric, his guests, and all the wisdom they share. I have learned so much since I discovered this podcast and would recommend to anyone!

Jessicat848739924793 ,

Sail into a smooth retirement

Eric leads listeners into a sense of calm when it comes to retirement. No topic is left unturned, so you can walk flawlessly into the best season of your life! Listening to this podcast is like a more joyful and less gruesome version of reading ‘What to Expect When You’re Expecting” but for retirement!

Doreen Downing ,

Practical and Meaningful

Great information both for those of us who are entering a new phase of life. We get tips around money but we are also gifted with deeper conversations about the meaning of life.

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