Retirement: Your 3rd Act

Peter Watts

Retirement isn’t the end – it’s your 3rd Act. Hosted by financial adviser Pete Watts, this podcast explores how retirement has evolved into a time of reinvention, purpose, and personal growth. Through real conversations with those redefining life after work, you’ll discover how to stay financially secure, mentally sharp, socially connected, and physically well. Whether you’re approaching retirement or already in it, tune in for inspiration, practical advice, and a fresh perspective on how to make the most of your next chapter.

Episodes

  1. Steven Caulker: From Premier League Glory to Life Beyond Football | Retirement: Your 3rd Act

    09/25/2025

    Steven Caulker: From Premier League Glory to Life Beyond Football | Retirement: Your 3rd Act

    What happens when the roar of the stadium fades, the cameras switch off, and a football career comes to an end? In this powerful episode of Retirement: Your 3rd Act, host Peter Watts sits down with former England international and Premier League defender Steven Caulker to explore the raw realities of life on and off the pitch — and the journey of reinvention that follows. Steven’s career began with a dream — from playing jumpers-for-goalposts in West London, to signing for Tottenham at 15, to scoring on his England debut. He went on to play alongside superstars such as Gareth Bale, Jermain Defoe, and Luka Modrić, featuring for clubs including Spurs, Swansea, Cardiff, QPR, Liverpool, Southampton, and abroad in Turkey, Scotland, Spain, and Iceland. He also proudly captained Sierra Leone on the international stage. But behind the glamour of top-flight football lay darker battles. Steven speaks with striking honesty about his struggles with addiction, depression, and gambling, sharing the personal mantra that has carried him through: “Down, but never out.” His story isn’t just about sport — it’s about resilience, self-discovery, and learning to rebuild when life knocks you down. Together, Pete and Steven dig deep into: ⚽ The emotional rollercoaster of being scouted, rejected, and signed at a young age. ⚽ What it’s really like in a Premier League dressing room — from ruthless decisions to unforgettable teammates. ⚽ The joy and pressure of scoring for England on his debut. ⚽ Sacrifices families make for young players chasing the dream. ⚽ Mental health struggles, rehab, and the road to recovery. ⚽ Life after football — coaching in Iceland, mentoring, and building Behind the White Lines, his academy for young players facing release. ⚽ How to embrace reinvention, find new identity, and use past struggles as fuel for growth. This conversation is raw, uplifting, and full of lessons not just for footballers, but for anyone navigating big life transitions — whether it’s retirement, career change, or simply asking: what comes next? #Steven Caulker, #Retirement Podcast, #Premier League, #Tottenham Hotspur, #Liverpool FC, #England Football, #Gareth Bale, #Mental Health, #Football Addiction, #Player Transition, #Behind The White Lines, #Life After Football, #Resilience, #Football Retirement, #Coaching Journey, #Sierra Leone Captain, #Reinvention, #Identity Crisis, #Personal Growth, #Down But Never Out, #Sports Mental Health, #Retirement Your 3rd Act, #Peter Watts

    1h 21m
  2. Me Time: Jullian's Thoughtfully Planned 3rd Act

    04/12/2025

    Me Time: Jullian's Thoughtfully Planned 3rd Act

    In this episode of Retirement: Your 3rd Act, Pete chats with Jullian—a former Head of Service at Lloyds Banking Group—who turned what could have felt like a daunting redundancy into a carefully planned and confident transition into early retirement. Jullian shares how he spent time preparing financially and mentally for this phase of life, allowing him to walk away at 55 on his own terms. He talks openly about what he calls Me Time/Family Time—a phrase that perfectly captures his balance between personal freedom and meaningful family connections. We explore: 🔹 How early planning gave Jullian the confidence to take voluntary redundancy 🔹 Why he didn’t rush into another job and chose reflection instead 🔹 How his values shifted from career identity to life balance 🔹 The role financial clarity played in shaping his decisions 🔹 His advice for others navigating the shift from full-time work to something more fulfilling Whether you’re just starting to think about retirement or are already on your journey, Jullian’s story is packed with relatable insights and practical wisdom. 👉 Subscribe for more real-life retirement stories and inspiration for your 3rd Act. Recorded at Echotown Studio just out side of Dorchester, Dorset. https://echotownstudio.com #RetirementPodcast #Your3rdAct #LifeAfterWork #SemiRetirement #FinancialWellness #RetirementPlanning #RedefiningRetirement #retirement #jullianmarshalljames

    33 min

About

Retirement isn’t the end – it’s your 3rd Act. Hosted by financial adviser Pete Watts, this podcast explores how retirement has evolved into a time of reinvention, purpose, and personal growth. Through real conversations with those redefining life after work, you’ll discover how to stay financially secure, mentally sharp, socially connected, and physically well. Whether you’re approaching retirement or already in it, tune in for inspiration, practical advice, and a fresh perspective on how to make the most of your next chapter.