What really matters in retirement? After the spreadsheets are done, the portfolio’s in place, and the paycheque has stopped, what's left?

In this powerful and deeply human conversation, I sit down with Fritz Gilbert, author of Keys to a Successful Retirement and founder of The Retirement Manifesto, to explore the non-financial side of life after work. We dive into the real questions: How do you stay fulfilled? Where do you find purpose? And how do you avoid the emotional pitfalls so many retirees never see coming?

Fritz shares his “10 Commandments of Retirement”, a personal code he created before stepping away from corporate life and how each one has guided his journey. From “Make No Obligations” to “Keep Eternity in Mind,” these principles offer a practical, heartfelt framework for anyone who wants to retire with intention, freedom, and joy.

• Why mindset matters more than money in retirement

• How to create your own guiding principles for life after work

• The 90/10 Rule: Why most people focus on the wrong things before retiring

• How Fritz skipped the “retirement depression” so many experience

• Why giving yourself space and grace in your first year can change everything

• How to find (or rediscover) your purpose in the second half of life

• The surprising power of legacy, contribution, and shared purpose

• Fritz’s “10 Commandments of Retirement” and how they’ve held up over time

• The emotional challenges many retirees face and how to prepare for them

• What it means to shift from saving to spending, from doing to being

• The founding story of Freedom for Fido and how it brought deeper meaning to retirement

• The role of mindset, curiosity, and experimentation in building a rich post-career life

• Why “retirement planning” must include much more than your finances

• How to craft your own post-career mission, values, and personal compass

• The Retirement Manifesto Blog

• Keys to a Successful Retirement by Fritz Gilbert – Buy on Amazon

• Fritz’s article: The 10 Commandments of Retirement

• Freedom for Fido Charity

Want to retire well?

Start by writing your own commandments. Define your values, your purpose, and what a great life looks like before you leave work.

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