In this solo episode of The Retirement Fiduciary, Adam Koós, CFP®, CMT, CFTe, CEPA sets the markets, the models, and the planning talk aside for a day and digs into the one resource none of us can buy more of: time. It started with a Thanksgiving morning joke about picking up "more thyme" at the store, and it turned into the presentation he now closes every live event with. Adam walks through the research on how people actually spend their days after they stop working, why television quietly becomes the biggest line item in a retiree's schedule, and what the numbers say about the time we have left with our parents, our kids, and our friends. It is not a doom and gloom episode. It is a wake up call with a purpose: if you can see the math, you can change how you spend the years in front of you. Episode Timestamps 00:00 Why this episode skips the financial stuff 01:00 The Thanksgiving morning "more thyme" story 02:00 Two quotes that frame the whole conversation 04:00 Why retirement is the black belt, not the destination 06:00 Money as a unit of choice 08:00 The words people use to describe retirement 09:00 What retirees actually do with their days 10:00 How many hours a day people 65 and over spend alone 11:00 Minutes per day: workers vs. retirees 13:00 Time with a partner, family, and friends by age 15:00 The 93% stat about time with your kids 16:00 A 90 year life, mapped out in months 17:00 Life expectancy and what is really left 20:00 19 Super Bowls, 5 elections, 133 visits 22:00 It is okay to be alone. It is not okay to drift. 23:00 Adam's own time audit with his dad and his boys 25:00 "If but you don't act, then you don't know" Key Takeaways 💡 You can always make more money. You can never make more time. Most of us plan hard for the first one and almost never for the second. 💡 Retirement is not the finish line. It is the starting line. The saving and planning were the training. 💡 Television use nearly doubles in retirement, from about 2.8 hours a day while working to roughly 4.5 hours a day after. Reading, socializing, and hobbies barely move. 💡 People 65 and over spend around 5 hours a day alone when a spouse or partner is in the home, and closer to 10 hours a day alone when there is not. 💡 By the time a child turns 18, roughly 93% of the time you will ever spend with them has already happened. 💡 At age 60 and average life expectancy, you are looking at about 19 more Super Bowls, 8 or 9 Olympic Games, 5 more elections, and somewhere around 133 more visits with your kids and grandkids. 💡 Money is not the point. Money is a unit of choice, and choices are what let you spend the time you have left on the people who matter. Key Quotes 🗣 "You can always make more money. You can never buy more time." 🗣 "Money's not the root of all evil. Money is a unit of choice. The more units you have, the more choices you have." 🗣 "If but you don't act, then you don't know. And all I'm suggesting is, now you know." Connect With Libertas Wealth Management Facebook: https://facebook.com/libertaswealth Instagram: https://www.instagram.com/libertas.wealth Threads: https://www.threads.com/@libertas.wealth LinkedIn: https://www.linkedin.com/company/libertas-wealth/ Twitter / X: https://x.com/LibertasWM TikTok: https://www.tiktok.com/@libertaswealthmanagement YouTube: https://www.youtube.com/@libertaswealth Podcast YouTube Playlist: https://www.youtube.com/playlist?list=PLhkYzW1XyJA0Ef_Hf7nUCMGLSlmfHt43v Spotify: https://open.spotify.com/show/29Jrqu0MV1VrpRGqgm6seV Apple: https://podcasts.apple.com/us/podcast/the-retirement-fiduciary-podcast/id1029927148 Website: https://www.libertaswealth.com Email: info@libertaswealth.com Phone: 614-543-1350 Connect with Adam Koós: Adam Koós, CFP®, CMT, CFTe, CEPA LinkedIn: https://www.linkedin.com/in/adamkoos Website: https://www.libertaswealth.com
