Ep88: Retirement Planning Secrets: Building Your Paycheck & Finding Fullfillment with Fritz Gilbert

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money « »

1M ago 39:30

Μοίρασέ το

Το περιεχόμενο παρέχεται από το Dr. Disha Spath, MD, and FACP. Όλο το περιεχόμενο podcast, συμπεριλαμβανομένων των επεισοδίων, των γραφικών και των περιγραφών podcast, μεταφορτώνεται και παρέχεται απευθείας από τον Dr. Disha Spath, MD, and FACP ή τον συνεργάτη της πλατφόρμας podcast. Εάν πιστεύετε ότι κάποιος χρησιμοποιεί το έργο σας που προστατεύεται από πνευματικά δικαιώματα χωρίς την άδειά σας, μπορείτε να ακολουθήσετε τη διαδικασία που περιγράφεται εδώ https://el.player.fm/legal.

In this episode of Finding Financial Freedom Podcast, Dr. Disha Spath sits down with Fritz Gilbert, founder of The Retirement Manifesto and award-winning blogger, to uncover the secrets of a successful retirement. Fritz shares how he planned his early retirement, built financial security, and navigated the emotional and relational aspects of this major life transition.

Discover the strategies behind his three-year cash cushion, the bucket system for managing retirement spending, and how he handled investments during market downturns. Plus, get insights on Roth IRA conversions, the 72(t) rule, and why non-financial aspects of retirement are just as important as the numbers.

Key Topics Covered:

1. Preparing for Early Retirement

What inspired Fritz to retire early and how he planned for it.

2. Building a Three-Year Cash Cushion

How cash reserves provide security in retirement.

3. Estimating Retirement Spending

Using cash buckets to create a sustainable withdrawal strategy.

4. Investment Strategy During Market Downturns

Did Fritz pause withdrawals during COVID? The 72(t) Rule Explained

5. How it allows penalty-free early retirement withdrawals.

Roth IRA ConversionsTax-efficient strategies for long-term wealth.

6. Beyond Money The Emotional Side of Retirement

Why relationships and purpose matter just as much as finances.

7. Avoiding Common Retirement Planning Mistakes

Lessons from Fritz’s experience.

Resources Mentioned:

Listener Takeaways:

Build a cash cushion to weather market downturns in retirement.
Structure your retirement paycheck with a clear spending and withdrawal plan.
Understand the key tax strategies, like Roth conversions and the 72(t) rule.
Plan beyond finances—focus on relationships, purpose, and fulfillment.

Connect with Us:

Host: Dr. Disha Spath, The Frugal Physician

Guest: Fritz Gilbert: Founder of The Retirement Manifesto

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is also sponsored by

FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

92 επεισόδια