The Retirement Café Podcast

Justin King
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The transition into retirement isn't purely a financial event, it's so much more. It's one of those life-changing events that requires you to plan and to adapt. Full of information, tips and guidance, The Retirement Café personal finance Podcast helps you address the challenges and opportunities that arise so you can live a fulfilling retirement. Your host is Justin King, a Chartered Financial Planner and Accredited Later Life Adviser. Contact Justin at hello@theretirementcafe.co.uk with any comments or questions or get in touch on Twitter @JustinKingCFP.

  1. NOV 11

    195: Carl Richards on Money, Meaning, and the Art of Actively Doing Nothing

    I was excited to chat once again with Behavior Gap author and financial storyteller Carl Richards about the ideas behind his brand-new book, Your Money and 101 Other Things That Matter.   Carl's famous hand-drawn sketches have helped millions simplify complex financial concepts — but beneath the simplicity lies profound wisdom about living a meaningful, values-driven life. Together, we explore how our relationship with money shapes our happiness, the tension between working hard and letting go, and why sometimes the bravest thing we can do as investors is nothing at all.   In this episode we discuss:   ·      Carl's journey from financial planner to New York Times columnist and author of the beloved "Sketch Guy" series. ·      The power of simple visuals to create clarity and spark real conversations about money. ·      "Actively doing nothing" — why patient investing and staying the course is one of the hardest (and most valuable) disciplines. ·      The spending practice — connecting your money to what you truly care about, and how everyday spending can become a reflection of your values. ·      "Spend the money" — why many retirees need permission to stop deferring joy and start living now. ·      Days or decades — tuning out the noise, avoiding anxiety-driven media, and focusing on what genuinely matters in the long term.   Carl Richards is a Certified Financial Planner™, author, and creator of The Behavior Gap and The Sketch Guy column for The New York Times, where his hand-drawn sketches made complex financial ideas beautifully simple. Through his work at behaviorgap.com, Carl helps people and advisors worldwide have better conversations about money, decisions, and what truly matters most.   🙌 Connect with Carl: 📘 Buy Carl's latest book, Your Money and 101 Other Things That Matter https://amzn.to/4ojvIqO 📘📘 Place a bulk order of Carl's book and save an additional 5% by using the code YourMoney5 at checkout: https://bulkbooks.com/products/your-money-reimagining-wealth-in-simple-sketches  🎓 The Behavior Gap website: https://behaviorgap.com/  Linkedin: https://www.linkedin.com/in/thinkingcarl/ X: https://x.com/behaviorgap  Instagram: https://instagram.com/behaviorgap   Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.   CONNECT WITH ME  ✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448   📕 Buy my book, The Retirement Café Handbook: https://amzn.to/3ZwjIbj   👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/   ⚠️ This podcast is for information and entertainment only. Nothing on this channel constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

    35 min

  2. JUN 17

    194: Pete Matthew's Meaningful Money Retirement Guide

    I always love catching up with my good friend and fellow financial planner Pete Matthew—especially when we get to record it for The Retirement Café Podcast. You may have heard Pete on the podcast before (this is his third appearance!) or seen him on his hugely popular Meaningful Money YouTube channel. We've even swapped mics—I've joined his show twice too! We both share a mission: helping people retire with clarity, confidence, and purpose. This time, Pete's back to talk about his brand-new book The Meaningful Retirement Guide. It's packed with straightforward guidance on how to organise your finances in retirement—so you can get on with living the life you've worked hard for. In our conversation, we cover: The biggest mistake people make when planning their retirement Why Pete has no plans to stop working—ever! How one man turned volunteering into a paid role that transformed his retirement plan The shift from saving to spending (and why it's harder than it sounds) What your money is really for As always, I hope it gives you a helpful nudge toward the kind of retirement you truly want.  For those who want to go further, Pete offers a self-paced Retirement Planning Course through his Meaningful Money Academy. The course includes video lessons, downloadable tools, access to financial planning software, and a supportive online community. Use the code PODCAST for a discount. USEFUL LINKS   📘 Buy Pete's latest book, The Meaningful Money Retirement Guide: https://amzn.to/440BpkP  🎓 Explore the Meaningful Money Academy: https://meaningfulacademy.com/  Connect with Pete: YouTube: https://www.youtube.com/@MeaningfulMoney  LinkedIn: https://www.linkedin.com/in/petematthew/    Thanks for checking out my podcast - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.   CONNECT WITH ME   ✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1    🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448    📘 Download the first 3 chapters of The Retirement Café Handbook:  https://keap.page/wb198/rch-download-chs-1-3-lp.html    👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/   ⚠️ This podcast is for information and entertainment only. Nothing on this channel constitutes financial advice. Please do not make any decisions based on the contents of my videos; seek professional independent financial advice first!

    42 min

  3. APR 1

    193: New Tax Rules Ahead - How to Safeguard Your Estate Now

    Are you worried about the future of your wealth? You're not alone. Sweeping reforms to pensions, inheritance tax, business relief, and agricultural relief are coming in 2026 and 2027 — and they could have a major impact on your estate and the legacy you leave behind. In this must-listen episode of The Retirement Café Podcast, I'm joined by Lucy Obrey, Partner and Head of Private Client at Higgs LLP, to break down what these proposed changes really mean for business owners, landowners, and pension holders — in other words, most of us. You'll learn: 🔍 Why these reforms mean it's time to urgently review your estate plan 🛡️ How to safeguard your assets with trusts, life cover, and strategic planning 🧾 What you need to know about inherited pensions — and why pension consolidation could simplify your legacy 💰 How to ensure your beneficiaries have liquidity to cover tax bills, without sacrificing your wealth We wrap up with steps to take now to maximise planning opportunities before the rules change. Listen now to learn how to protect your wealth and legacy. USEFUL LINKS Higgs LLP website: https://www.higgsllp.co.uk/  Connect with Lucy on LinkedIn https://www.linkedin.com/in/lucy-obrey-70a35133/  ✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1  🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448  CONNECT WITH ME Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully. 📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl 👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP  ⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

    47 min

  4. 11/05/2024

    192: The Soul of Wealth, with Daniel Crosby

    Dr. Daniel Crosby is a psychologist, behavioural finance expert, and New York Times bestselling author, who joins me to discuss his latest book, The Soul of Wealth.  Dr. Crosby, known for his groundbreaking insights into how psychological factors influence financial decisions, shares how his book explores the balance between monetary wealth and what he calls "soulful wealth"—the richness found in relationships, health, and personal fulfilment. With 50 short, actionable essays, The Soul of Wealth serves as a practical guide for those looking to rethink their relationship with money and align their finances with what truly matters in life. During our conversation, Daniel discusses key insights from his previous books, showing how behavioural finance helps retirees make smarter, goal-driven decisions. We explore how emotions can undermine financial success and how understanding our behaviour leads to better choices in retirement planning. From mastering delayed gratification to spending in ways that boost happiness, Daniel shares practical advice for redefining wealth beyond just pounds and pence. USEFUL LINKS Standard Deviations Website: https://www.standarddeviationspod.com/ Standard Deviations Podcast: https://www.standarddeviationspod.com/episodes  Daniel's YouTube Channel: http://www.youtube.com/@drdanielcrosby Buy Daniel's books: The Laws of Wealth - https://amzn.to/3YqmrCW  The Behavioral Investor - https://amzn.to/3UaRgJq  The Soul of Wealth - https://amzn.to/3Ud0dSx  Connect with Daniel on LinkedIn https://www.linkedin.com/in/danielcrosby/ ✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1  🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448  CONNECT WITH ME Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully. 📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl 👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP  ⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

    33 min

  5. 09/10/2024

    191: The Three Domains of Freedom - A Deep Dive with George Kinder

    George Kinder is a friend, mentor and widely recognised as the Father of the Financial Life Planning movement. For over 30 years, George has trained thousands of financial advisers from 30 countries in life planning, which enables them to help deliver freedom into their clients' lives. George has published seven books, and central to most is this concept of freedom. His most recent book The Three Domains of Freedom sets out to empower readers to experience profound freedoms in their own lives and bring about positive change to our civilisation as a result. In our conversation we explore the book's three core concepts, delve into the challenges of balancing mindfulness with future planning, the feeling of insignificance in a chaotic world, and the potential impact retirees can have on society. George also shares his vision for a more just and sustainable world and the practical steps he suggests for making that vision a reality. USEFUL LINKS George's website: https://www.georgekinder.com/  The Kinder Institute of Life Planning: https://www.kinderinstitute.com/  George's books: The Three Domains of Freedom: https://amzn.to/3Xu1I0H  A Golden Civilisation: https://amzn.to/47cXgGJ  Transforming Suffering into Wisdom: Mindfulness and the Art of Inner Listening: https://amzn.to/3TbKB13  Life Planning for You: https://amzn.to/4g7RNoM  The Seven Stages of Money Maturity: https://amzn.to/4cOjGzk  Lighting the Torch: https://amzn.to/4e8D7nC   CONNECT WITH ME Thanks for checking out my podcast - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully. 📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl 👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP  ⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

    41 min

  6. 08/27/2024

    190: A Retirement Well Spent - Lessons from 4,000 Weeks with Oliver Burkeman

    I'm thrilled to have with us a guest whose work has profoundly shaped the way we think about time, productivity, and living a meaningful life. Oliver Burkeman is a renowned British journalist, author, and former columnist for The Guardian, best known for his groundbreaking book 4,000 Weeks, Time Management for Mortals. I loved this book and am honoured that Oliver joined me to share his story and research, and to introduce his latest book, Meditations for Mortals - Four Weeks to Embrace Your Limitations and Make More Time for What Counts, which has sparked a global conversation about the finite nature of our lives and how we can make the most of our limited time, especially as we enter the later stages of life. We chat about how life's too short to wait for the "right" moment, especially for retirees and soon to be retirees, and Oliver urges us to live meaningfully now—not later. After all, time is finite. USEFUL LINKS Oliver's website: https://www.oliverburkeman.com/ Oliver on LinkedIn: https://www.linkedin.com/in/oliver-burkeman-51651b21a/  Oliver on X/Twitter: https://x.com/oliverburkeman  Meditations for Mortals - Four Weeks to Embrace Your Limitations and Make More Time for What Counts book on Amazon: https://amzn.to/46Xa1oY  ✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1  🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448  CONNECT WITH ME Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully. 📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl 👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP  ⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

    36 min

  7. 08/13/2024

    189: Embrace ageing with the Retirement Rebel

    Approaching retirement and frustrated with her job, Siobhan Daniels made a big decision: to start living life on her own terms. Rather than feeling broken, voiceless and hiding from life's challenges, she took early retirement, swapped her possessions for a motorhome, and drove off to find them. Since that day five years ago, Siobhan has published a book she called Retirement Rebel: One woman, one motorhome, one great big adventure - an honest and uplifting story of how one woman stepped off the merry-go-round of life. Through her podcast, public speaking and book Siobhan is keen to show older women they can have their adventures and age positively. USEFUL LINKS Siobhan's website: https://www.shuvonshuvoff.co.uk/ Retirement Rebel book on Amazon: https://amzn.to/467OitL Retirement Rebel podcast: https://podcasts.apple.com/gb/podcast/retirement-rebel/id1727857729  The Armchair Adventure Festival 2024: https://www.armchairadventurefestival.com/  ✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1  🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448  CONNECT WITH ME Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully. 📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl 👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP  ⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

    27 min

  8. 06/25/2024

    188: Annuities Unpacked - Securing Your Retirement in Today's Economy

    Today, we're diving into the perplexing topic of why more people don't buy annuities to provide a guaranteed income in retirement, and who better to have this conversation with than Billy Burrows. 
 Billy is a highly regarded financial adviser with over 30 years' experience and founder of the Retirement Planning Project which aims to make it easier for people to get information and help on all aspects of retirement planning. 

In our conversation Billy and I explore some of the reasons that deter potential annuity buyers from securing their retirement income, explain mortality drag and mortality cross subsidy, plus why buying annuities in stages can be beneficial. We also discuss the impact future government policies could have upon pensions and annuities – in light of the upcoming general election.   USEFUL LINKS Find out more about Billy: www.williamburrows.com  Billy on Twitter / X: https://x.com/BillyBurrows Billy on LinkedIn: https://www.linkedin.com/in/billy-burrows-6ab1521a/   Billy's previous episodes on the podcast: Pension freedoms: https://www.theretirementcafe.co.uk/episodes/pension-freedoms  Annuities: https://www.theretirementcafe.co.uk/episodes/william-burrows  Pension income options – annuity versus drawdown: https://www.theretirementcafe.co.uk/episodes/179-annuity-billy-burrows  ✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1   🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 CONNECT WITH ME Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully. 📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl 👉 Get my weekly newsletter: https://bit.ly/MFPNews  👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/  👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/  👉 Twitter: https://twitter.com/JustinKingCFP   ⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

    38 min
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4.6
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About

The transition into retirement isn't purely a financial event, it's so much more. It's one of those life-changing events that requires you to plan and to adapt. Full of information, tips and guidance, The Retirement Café personal finance Podcast helps you address the challenges and opportunities that arise so you can live a fulfilling retirement. Your host is Justin King, a Chartered Financial Planner and Accredited Later Life Adviser. Contact Justin at hello@theretirementcafe.co.uk with any comments or questions or get in touch on Twitter @JustinKingCFP.

Information

  • Creator
    Justin King
  • Years Active
    2018 - 2025
  • Episodes
    195
  • Rating
    Clean
  • Copyright
    © Copyright: My Financial Planner Limited. All rights reserved.
  • Show Website
    The Retirement Café Podcast

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