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Balancing Finances in Life, Career, and Retirement

RL190 – Balancing Finances in Life, Career, and Retirement

In this episode of the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson go through the key investing tips for the different stages of life. They cover ways to balance finances in all stages of life, how to get the most out of your peak earning years, and what to do to guarantee a comfortable retirement. Listen now to learn all about Balancing Finances in Life, Career, and Retirement.

[00:00] Introduction

[01:35] Key Investing Tips For Different Stages of Life

[03:18] How to Invest When You Start Making Money

[06:42] Why You Should Invest In Yourself 

[10:13] How to Build a Strong Investing Foundation

[12:05] Getting the Most Out of Your Peak Earning Years

[15:23] Understand That Everybody’s Situation is Different

[17:57] Investing in the Pre-Retirement Stage 

[21:51] The Benefits of Consistently Reviewing Your Portfolio

[23:00] The Retirement Stage 

[26:43] Why is Retirement Planning so Important?

[30:08] Parting Thoughts

For more links and the full show notes keep scrolling down!

Roshan Loungani can be reached at or at 202-536-4468.

Erik Olson can be reached at or 815-940-4652.

Adrian Nicholson can be reached at or at 703-915-8905.

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Full Show Notes:

How to Invest at Different Stages of Life


When You Start Making Money

When young people start making money, investing is usually the last thing on their minds. However, the sooner you start investing, the better. It doesn’t matter how much money you make; just start. You’re young, so you have the greatest resource as an investor: time and compound interest. 


Your Peak Earning Years

Your 40s will be your peak earning years. By this time, you probably have solid financial goals, are invested in retirement accounts, and have some money set aside for a rainy day. The big question at this stage is whether you’ve done enough for retirement. For most people, the short answer is probably not. The good news is that you’re in your peak earning years, so you can start making up for lost time and opportunities. 



The stage when retirement becomes a reality. You only have a few working years left, and if you were a smart investor, most of your needs have been taken care of. According to Roshan, you should decrease the risks your portfolio may be exposed to at this stage. You need as much money in your retirement accounts, and taking more risks this close to retirement could be catastrophic. So adjust and re-balance your portfolio and ensure you’re all set for the next phase of your investment life: distribution.


You’re finally here! It’s now time to enjoy the fruits of your hard work. It is the stage that you have spent all your life preparing for. Adrian explains that it would be best to retain your wealth in low-risk products to guarantee your investments last for as long as you live. 

Listen now to learn all about Balancing Finances in Life, Career, and Retirement.

Links and Resources: Art of Investing Podcast

All opinions expressed by podcast hosts and guests are solely their own. While based on information that they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only, and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

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