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Best of The Long View 2025: Financial Planning and Retirement

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Dec 30, 2025

In this engaging conversation, J.L. Collins shares his 'beer and foam' metaphor for focusing on long-term investing over daily market fluctuation. Charley Ellis emphasizes a holistic view when constructing portfolios, factoring in assets like home values and Social Security. Larry Jacobson highlights that a fulfilling retirement requires more than finances, advocating for planning purposeful activities. Carl Richards suggests practicing meaningful spending to adjust from saving to enjoying life after work, ensuring retirees savor their financial freedom.

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Episode notes

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ADVICE

Transition Gradually And Make A Plan

Transition to retirement gradually and craft a plan for activities and identity.
Kerry Hannon recommends working with a coach and keeping work or volunteer options in your retirement plan.

volunteer_activism

ADVICE

Practice Spending Small To Rewire Habits

Practice spending small amounts to rewire frugal habits before large purchases.
Carl Richards urges starting with tiny, intentional purchases to feel comfortable spending in retirement.

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ANECDOTE

Small Gift, Big Impact

A client gave $10,000 to a struggling relative who used it for prescription glasses.
Dana Anspach uses this story to show meaningful spending can transform lives now.

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Beer vs. Foam: Investing for the Long Term

00:37 • 3min

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Thinking Holistically About Personal Portfolios

03:27 • 2min

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Retirement Is More Than Money

05:12 • 3min

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The Retirement Honeymoon Isn’t Forever

08:10 • 2min

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Gradual Transitions and Purposeful Work

10:24 • 2min

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Practice Spending After a Lifetime of Saving

12:25 • 3min

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Meaningful Giving and 'Die With Zero' Lessons

Frugality Culture and the Bigger Financial Picture

18:23 • 2min

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A Simple Rule for Guilt-Free Spending

20:03 • 2min

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Money Together: Combining Finances as a Team

22:03 • 2min

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Avoid Letting One Partner Handle All Money

23:57 • 2min

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Trusted Contacts and Power of Attorney for Eldercare

25:45 • 2min

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Caregiving’s Hidden Financial Cost for Women

28:04 • 2min

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Relationships as Crucial Wealth

30:22 • 2min

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Hosts’ Closing Wishes

Your Ideal Retirement Planning Workbook

Larry Jacobson

#3843

• Mentioned in 12 episodes

Money Together

How to Find Fairness in Your Relationship and Become an Unstoppable Financial Team

• Mentioned in 74 episodes

Money for Couples

Ramit Sethi

In 'Money for Couples,' Ramit Sethi addresses common money issues in relationships without using traditional budgets or restrictive plans. The book provides practical advice on stopping fights over money, getting both partners involved in finances, reconciling differences between savers and spenders, and taking control of debt. It includes real-world stories and strategies to help couples live a more adventurous, spontaneous, and generous life together.

#220

• Mentioned in 106 episodes

The Simple Path to Wealth

Your Roadmap to Financial Independence and a Rich Free Life

J L Collins

J. L. Collins' "The Simple Path to Wealth" provides a straightforward, easy-to-understand guide to achieving financial independence. The book emphasizes saving a significant portion of income, avoiding debt, and investing in low-cost index funds. It encourages readers to focus on long-term growth and avoid the complexities of market timing or active trading. The book's simple yet effective principles have resonated with millions of readers, making it a highly popular resource for those seeking financial freedom. It's a timeless guide that empowers readers to take control of their financial future.

#889

• Mentioned in 41 episodes

How Not to Invest

The ideas, numbers, and behavior that destroy wealth—and how to avoid them

Barry Ritholtz

#6776

• Mentioned in 7 episodes

Rethinking Investing

A Simple Strategy for Long-Term Wealth

Charles Ellis

In "Rethinking Investing," Charley Ellis provides a comprehensive framework for long-term investment success. He emphasizes the importance of understanding behavioral economics and its impact on investment decisions. The book advocates for a passive investment strategy, particularly index funds and ETFs, as a means of mitigating behavioral biases. Ellis also discusses the limitations of active management and the challenges of outperforming the market. The book offers practical advice for individual investors seeking to build wealth effectively.

#277

• Mentioned in 92 episodes

The Five Types of Wealth

Sahil Bloom

#1007

• Mentioned in 37 episodes

The Wealth Ladder

Nick Maggiuli

#33

• Mentioned in 299 episodes

Die with Zero

Bill Perkins

Die with Zero presents a provocative philosophy and practical guide on how to get the most out of your money and your life. Bill Perkins argues against over-saving and under-living, advocating for investing in experiences early and maximizing positive life experiences. The book introduces concepts like 'time-bucketing,' 'net worth curve,' and 'fulfillment curve' to help readers optimize their life stages and make the most of their resources. Drawing from his own life experiences and insights from psychological science and behavioral finance, Perkins makes a compelling case for living large and accumulating memorable experiences rather than wealth.

#4745

• Mentioned in 10 episodes

My Mother's Money

Beth Pinsker

Hi and welcome to The Long View. I’m Christine Benz, director of personal finance and retirement planning for Morningstar. On this week’s episode, we will feature some of our favorite clips from interviews we have done with financial planners, advisors, and retirement researchers over the past year. It’s a counterpart to a previously released “Best Of” episode that was all about investing. As usual, we delved into the topic of psychology and money, and the importance of tuning out the noise if you’re a long-term investor.

“JL Collins: The (Still) Simple Path to Wealth,” The Long View podcast, Morningstar.com, July 1, 2025.

“Charley Ellis: Indexing Is a Marvelous Gift,” The Long View podcast, Morningstar.com, Aug. 5, 2025.

“Larry Jacobson: ‘The Good Things in Our Life Are What Get in the Way of Great Things,’” The Long View podcast, Morningstar.com, Sept. 16, 2025.

“Dan Haylett: ‘The Retirement You Didn’t See Coming,’” The Long View podcast, Morningstar.com, Nov. 18, 2025.

“Kerry Hannon: What Gen Xers Need to Know About Their Retirement Plans,” The Long View podcast, Morningstar.com, Sept. 30, 2025.

“Carl Richards: The Case for ‘Deeply Human’ Financial Advice,” The Long View podcast, Morningstar.com, Oct. 21, 2025.

“Dana Anspach and Fritz Gilbert: ‘This Is What a Joyful Retirement Could Feel Like,’” The Long View podcast, Morningstar.com, Sept. 23, 2025.

“Barry Ritholtz: ‘How Not to Invest,’” The Long View podcast, Morningstar.com, Oct. 7, 2025.

“Nick Maggiulli: Climbing the Wealth Ladder,” The Long View podcast, Morningstar.com, July 22, 2025.

“Doug and Heather Boneparth: How Couples Can Find Financial Harmony,” The Long View podcast, Morningstar.com, Oct. 28, 2025.

“Ramit Sethi: ‘We Have to Make Money Fun and Connective,’” The Long View podcast, Morningstar.com, March 4, 2025.

“Beth Pinsker: Lessons From ‘My Mother’s Money,’” The Long View podcast, Morningstar.com, Nov. 4, 2025.

“Jean Chatzky: What Women Need to Do Differently With Their Money,” The Long View podcast, Morningstar.com, April 8, 2025.

“Sahil Bloom: ‘Curiosity Is the Fountain of Youth,’” The Long View podcast, Morningstar.com, Feb. 4, 2025.

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