The Evolve Podcast

Simon Bocko

The road to success is a bumpy one. It involves navigating new challenges, learning quickly and seeking help from others who have been there before. The Evolve Podcast’s mission is to help make that journey to success just that little bit easier. Each week, our host, Simon Bocko, interviews successful people who talk openly and honestly about the journey they have been on to become the person they are today; sharing stories, insights, tips and anecdotes along the way. It’s a great opportunity to learn from entrepreneurs, business leaders, creatives and technologists who have all taken very different paths to success. Hosted by Simon Bocko, Founder and CEO of leading growth consultancy, Evolve (goevolve.co.uk).

  1. S4 / Episode #9, Beyond the $1–2M myth: Planning for a purpose-driven retirement

    10/08/2025

    S4 / Episode #9, Beyond the $1–2M myth: Planning for a purpose-driven retirement

    What if everything you've been told about retirement planning is wrong? After 39 years on Wall Street, investor coach Ira Work is debunking the scary "$1-2 million retirement myth" and revealing why most people are approaching their financial future completely backwards. In this eye-opening episode, Ira challenges the generic retirement targets that keep people up at night. Using the 4% rule as his foundation - where $1 million generates about $40,000 annually - he shows how to build retirement goals from your actual income needs, not arbitrary numbers. His approach? Start with purpose, understand why you work, then design a personalised portfolio and timeline. In this episode, Ira outlines the behavioural traps that destroy investor returns, including how people consistently buy high and sell low due to recency and confirmation bias. He reveals why the average investor underperforms the S&P 500 by 3-4% annually and shares his shift from commission-driven product pushing to academic, risk-measured portfolio construction. The conversation covers everything from proper diversification across asset classes to the importance of working with financial advisors who have your best interests at heart – not their own. Ready to revolutionise your retirement planning? Listen to discover the truth about building sustainable wealth. Key takeouts: The “you need $1–2M” headline is misleading — retirement is better framed around income needs and safe-withdrawal rules (e.g., 4%), not an arbitrary lump sumYou can materially protect retirement goals by designing risk‑measured, diversified portfolios, rebalancing regularly, and dialling back equities as you near retirement, not by chasing returnsMany advisors push commission‑driven products and market timing that hurt outcomes; fee‑based financial planning is a surprisingly more reliable path

    57 min
  2. S4 / Episode #2, pay off your mortgage in just 4 years with the Shred Method - Adam Carroll

    08/19/2025

    S4 / Episode #2, pay off your mortgage in just 4 years with the Shred Method - Adam Carroll

    Learn how to manage your money better and be debt-free in record time! In this episode you will learn: The importance of efficiency over frugality - it's not just about cutting costs, it’s about making your money work harder. The Shred Method focuses on optimising cash flow by eliminating inefficiencies, not just pinching pennies Behaviour drives wealth - your financial future is more about mindset and behaviour than income level. Early money beliefs and spending habits shape long-term outcomes, and they can be changed.You need a good offense and defence - true financial freedom comes from earning more and spending smarter. Entrepreneurs need to grow their income while strategically reducing unnecessary expenses to build equity and liquidity fastFinancial freedom comes from focused strategy, not just hard work - spreading money thinly across debts, saving inefficiently, or blindly following traditional investment advice keeps people stuck. Entrepreneurs can accelerate wealth by using intentional, optimised methods like the Shred Method to eliminate debt quickly and redirect cash flow to build real wealthMoney decisions are emotional. Understand the “why” behind your spending - many financial behaviours are rooted in childhood beliefs or emotional wounds. Recognising these patterns is the first step to changing them. True financial transformation starts with emotional awareness and aligning money habits with your values and long-term vision.

    38 min

About

The road to success is a bumpy one. It involves navigating new challenges, learning quickly and seeking help from others who have been there before. The Evolve Podcast’s mission is to help make that journey to success just that little bit easier. Each week, our host, Simon Bocko, interviews successful people who talk openly and honestly about the journey they have been on to become the person they are today; sharing stories, insights, tips and anecdotes along the way. It’s a great opportunity to learn from entrepreneurs, business leaders, creatives and technologists who have all taken very different paths to success. Hosted by Simon Bocko, Founder and CEO of leading growth consultancy, Evolve (goevolve.co.uk).