Skip to main content
Created: June 18, 2023
Modified: February 6, 2025

Episode 97: How Can I Afford My Dream Retirement?

Have your question answered on the Money Wisdom Question Series!

Today’s question is: how can I afford my dream retirement?

Isn’t that what retirement’s all about? Being able to look forward to the time when you can slow the pace of life down and do the things that you want to opposed to the things that you have to do.

Start with the End

When you’re thinking about the dream retirement, the most important thing is to start with the end in mind. This means to think about what you want retirement to look like. It’s not just no longer working; it could be travel, time with family or friends, visiting all the sports stadiums that you’ve never been able to check out, or the golf courses.

Whatever it is, start with the end in mind and understand what that would look like. Also keep in mind that you want it to be sustainable. While visiting the Caribbean might be on your bucket list, going every month isn’t.

Maybe you start with what you want retirement to look like, what frequency you would plan to do these activities, what you will do in between, where you want to live. Allowing yourself to start with the end in mind allows you to pinpoint a goal and then be able to understand how measurable it is financially.

Working with a Financial Advisor

Once you have an idea of how much that is, consider sitting down with a financial planner, somebody who’s going to give you solid financial advice and be able to help you articulate the prices of these items.

As soon as you have those financial and visualized goals, you can start saving for them at the appropriate pace and with the appropriate investment tools. Investments in financial planning should always be within the mind and not just arbitrarily based on how we feel about risk alone.

Download Now

10-Point Retirement Checklist

Here’s a checklist of our most important things you can do, to help you retire strong. 

Information presented here is considered current as of the created date. Over time, some information presented may become stale. We recommend you consult with your Financial Professional before making any changes based on information contained here.

Johnson Brunetti is a marketing name for the businesses of JB Capital and JN Financial.
Investment Advisory Services offered through JB Capital, LLC. Insurance Products offered through JN Financial, LLC.
The guarantees provided by any type of insurance contract are based on the claims-paying ability of the insurance company.

Resources by Topic

10 Point Retirement Checklist


Subscribe to Our YouTube Channel

Share

Related Resources

  • Should I Stay in My Home or Rent in Retirement?

    Most retirees plan to remain homeowners, but it’s worth considering if that’s the right move for you. Whether you should stay in your home or rent in retirement depends on your financial situation…
  • Podcast Episode 473: Why 77% of Americans Aren’t Saving Enough for Retirement

    Prefer to watch? Click here to watch and listen on YouTube. Roughly 77% of Americans surveyed say debt is preventing them from saving adequately for retirement. This is a strong reminder that s…
  • What Tax Moves Should I Consider Before the End of the Year?

    According to a recent study, 46% of Americans say tax season is the most stressful financial time of the year. The good news is that there are several proactive steps you can take before year-end …
  • What’s the Best Way to Leave an Inheritance?

    Leaving an inheritance is about more than transferring wealth. With thoughtful planning, you can help maximize the value of what you leave behind and simplify the process for your loved ones. I…
  • What Are the Best Types of Accounts for Investing?

    Different investment accounts offer different advantages. From tax benefits and contribution limits to withdrawal rules, each account serves a unique purpose. Understanding how these accounts work…
  • I’m Turning 65, Why Do I Need to Stop My HSA Contributions?

    If you’re nearing your mid-60s and actively contribute to a health savings account (HSA), you’ve likely used it to cover qualified medical costs. However, as you get closer to enrolling in Medicar…
  • How Can I Enjoy My Retirement Savings Without Fear of Overspending?

    The fear of running out of money keeps many retirees from truly enjoying their hard-earned savings without worry. After decades of nurturing your nest egg, the thought of seeing your progress slip…
  • Podcast Episode 468: Are You Prepared for the Great Wealth Transfer?

    Prefer to watch? Click here to watch and listen on YouTube. An estimated $105 trillion in assets will pass down from Baby Boomers and the Silent Generation to heirs through 2048. But transferri…
  • Do I Need Life Insurance in Retirement?

    Around 52% of Americans own some type of life insurance policy. But once you retire, some of your biggest financial obligations may be behind you. When you reach this point, you may wonder whether…
  • How Will Social Security Be Funded in the Future?

    Without congressional action, current projections indicate Social Security will pay only 78% of benefits starting in late 2032. This funding gap highlights our growing disparity between workers pa…
    Back to top
    • Richard S.
      Richard S. is a client of Johnson Brunetti and received no compensation for his statement.

      “We have been extremely happy with our advisor and the services offered. We previously had accounts with another advisor. We had no issues, but chose to consolidate everything with Johnson Brunetti. We made a great decision with that.”

      Testimonials received in response to Johnson Brunetti survey conducted in 2024 and in 2026.  Please click each respective year for a description of the respective survey and a summary of the survey results.

    • John & Laura U.
      John & Laura U. are clients of Johnson Brunetti and received no compensation for their statement.

      “We have had nothing but a positive experience.”

      Testimonials received in response to Johnson Brunetti survey conducted in 2024 and in 2026.  Please click each respective year for a description of the respective survey and a summary of the survey results.

    • Joe D.
      Joe D. is a client of Johnson Brunetti and received no compensation for his statement.

      “Your model is working well, continue to keep your focus on your clients. The podcasts are an effective way of communicating information and real life stories. Your business is supporting your clients’ many different real life stories.”

      Testimonials received in response to Johnson Brunetti survey conducted in 2024 and in 2026.  Please click each respective year for a description of the respective survey and a summary of the survey results.

    • Jackie L.
      Jackie L. is a client of Johnson Brunetti and received no compensation for her statement.

      “I love how everyone in the company makes us feel. Like we are one big happy family. I wouldn’t change anything!”

      Testimonials received in response to Johnson Brunetti survey conducted in 2024 and in 2026.  Please click each respective year for a description of the respective survey and a summary of the survey results.

    • Donald & Donna K.
      Donald & Donna K. are clients of Johnson Brunetti and received no compensation for their statement.

      “It’s been one of the best things my wife and I have ever done. The clarity, support, and professionalism have made a real difference for us.”

      Testimonials received in response to Johnson Brunetti survey conducted in 2024 and in 2026.  Please click each respective year for a description of the respective survey and a summary of the survey results.

    • Annette L.
      Annette L. is a client of Johnson Brunetti and received no compensation for her statement.

      “Your services are excellent!”

      Testimonials received in response to Johnson Brunetti survey conducted in 2024 and in 2026.  Please click each respective year for a description of the respective survey and a summary of the survey results.

      Our Locations
      Johnson Brunetti
      Welcome to Our New Website!
      Everything was designed with you in mind, making our retirement planning resources more easily accessible to you.
      Check out your new resource center, where everything can be organized by article type or topic
      Are you ready to speak with a financial advisor?
      Skip to content