Is Working Into Retirement Good for Your Brain? – Dawn Carr
the book The Rabbit Effect provides research-based advice on wellness and healthy aging
The Rabbit Effect: Live Longer, Happier & Healthier with the Groundbreaking Science of Kindness

Do Your Retirement Strategies Account for 6 Stages & Community? – Ted Carr

In this edition of our retirement podcast our guest is Ted Carr, a thoughtful and interesting blogger and podcaster on early retirement who we enjoy following. People often think of retirement as a single phase of life, but Ted describes how there are 6 distinct phases of retirement. He shares his personal experiences with the different phases after he retired early from a career in Silicon Valley. You’ll come away with an appreciation of why your retirement strategies should take the different phases into account if you want to retire smarter.

One of the big questions people face in retirement is where should I retire to? And that decision is often not a ‘one and done’ type of call as needs, and priorities change over the life course. Ted discusses the decision that he and his wife recently made to move to a retirement community and the key factors that led to their decision. Our conversation shifts to the importance of community in retirement and the risks of isolation.

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Wise Quotes:

On Retirement as a Stressful Life Event

“So, I think back to the time before I retired – the pre-retirement stage. What I found is that it’s really, really essential that you have a detailed retirement plan and that it includes not only a financial plan, but also the non-financial side of retirement. And as we’ve alluded to already, the adjustment to retirement can be difficult. Now there’s something that I’ve come across, I’m sure you’ve heard of it too. It’s called the Holmes and Rahe Stress Scale. And on that stress scale, retirement comes in as the 10th most stressful event on that scale. Now, if that wasn’t stressful enough, the other stressors that are on the top 10, shall we say, can occur at the same time as retirement – which only exacerbates the challenges around adjusting to retirement – and some of those things where you have divorce, separation, illness, loss of jobs.”


On Planning to Move in Retirement

“So, us being inveterate planners said, well, you know, we need to be intentional about our future old age. And so, we looked at some of these options and after looking at the CCRC model, we decided that that probably wasn’t for us…And we’re not near that age and the entering cost of buying into a CCRC is very expensive. And so, we just said there are other options that are coming down the road. Maybe we should take a timeout from thinking that way and look at something different. So my wife, who’s extremely social, came up with the idea to look into a 55 plus community because her feeling, and I concur, is that where we live today, there’s really not a sense of belonging. Like I say, she just doesn’t feel that she’s made enough friends over the course of nine years and she doesn’t want to see the next nine to 10 years be equally as frustrating. So, we started looking at 55 plus communities.”


Resources Mentioned on this Retirement Podcast Episode:

The Holmes & Rahe Stress Inventory

What’s Your Retirement Personality Type?   by Dave Hughes


Related Retirement Podcast Episodes:


You Can Learn a Lot From the Principles of FIRE – Chris Mamula

Are You Ready to Follow Your Own Path in Retirement? – Bob Lowry



Tools You Can Use

Tap into free retirement tools you can use, including a quiz on retirement readiness on the non-financial side, retirement calculators, a longevity calculator and a free e-book at

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