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Ready To Retire!

Danette Lowe CFP®

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Planning for retirement is a big deal, and it does take some time, strategy, and intentional action, especially if you’re in or nearing your fifties! Unfortunately, most people spend more time planning their yearly 1-2 week vacations than they do their 30+ year retirement. Then, the “How much money do you need to retire?” question starts to feel overwhelming and confusing. It doesn’t have to be that way. With Danette Lowe and the Ready to Retire podcast, you can take small, simple steps now ...
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Stress, anxiety, and overwhelm are incredibly time-consuming. As we agonize over the whys and hows of the things happening in our lives, it simply takes a tremendous amount of time. I like to say, “It takes more time to be stressed out than blessed out.” I suffered from debilitating panic attacks and anxiety, and the “medication” did nothing to prevent the panic attacks from happening. After years of anxiety, I began to think about not being alive anymore – I just couldn’t take it. It was ti ...
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Retirement isn’t the end—it’s the beginning of a new adventure! In this episode, we explore how to bring passion and purpose into your next chapter. Learn six practical tips to stay engaged, turn interests into meaningful activities, and create a fulfilling retirement on your terms. Whether you're nearing retirement or already there, these strategi…
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Balancing work and family can feel overwhelming, but small, intentional changes can make a big difference. In this episode, I share six practical ways to create harmony between your career and personal life—without feeling pulled in every direction. From setting boundaries to making time for yourself, these strategies will help you find balance and…
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Budgeting for retirement doesn’t have to feel overwhelming! In this episode of Ready to Retire!, I’m sharing practical strategies to help you manage your income in retirement—without sacrificing the lifestyle you’ve worked so hard to build. Many retirees worry about living on a “fixed income,” but I encourage you to think of it as a flexible income…
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Do your mornings feel stressed, rushed, or downright chaotic? Imagine starting each day feeling grounded, energized, and ready to take on the world! In this episode, I’m sharing how I transformed my own hectic mornings into a ritual that I truly love—and how you can do the same. From my early career days of racing to work (including the morning I f…
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Losing both parents is a challenging time, and managing the family estate as the successor trustee can feel overwhelming—especially when sibling tensions arise. In this episode, Danette shares a step-by-step guide to settling an estate, from obtaining death certificates to distributing assets, and offers five practical strategies to ease sibling co…
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Are you looking for fresh ways to boost your income before retirement? In this episode, we explore five fun, practical ways to add to your cash flow without taking on the weight of a second job. Whether you’re saving to retire early, dreaming of shifting into a passion project, or just want a bit more financial freedom, these tips can help you get …
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In this episode of the Shine First Today podcast, we're diving into Part 2 of our "Speak Positive" series: Elevate Your Relationships with Kind Words. This time, we focus on how we can use kind words and positive thoughts to improve our relationships, even with those who might frustrate or trigger us. By shifting our mindset and choosing to focus o…
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We are happiest when we are “In the Flow,” time stands still, stress and anxiety melt away. This episode shares practical strategies for achieving and sustaining a flow state, which amplifies focus, creativity, and efficiency both at work and in personal activities. This episode is ideal for professionals who are stressed out and overwhelmed and lo…
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Learn how a three-week stress detox can lead to remarkable personal transformation, including weight loss, increased leisure time, and reduced work stress. This episode offers five actionable, free tips to help you regain balance and joy in your life. The morning meditation by Dr. Joe Dispenza: https://youtu.be/sCnSbROZN-s?si=P6r4HANVHtTRkbWb Books…
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Today we dive into the crucial topic of retirement planning for married couples. With the challenge of harmonizing two different perspectives on retirement, this episode offers valuable strategies to increase savings and ensure a comfortable retirement… Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.tru…
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This episode is a must-listen for all the incredible women professionals out there who are juggling their career and family. I share a straightforward, four-step method to transform your goal-achievement process, literally accelerating how fast you can achieve your goals. Link to the Launchpad to Success Worksheet: ► https://bit.ly/Launchpad-Worksh…
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In this New Year episode, I’m so excited to share nine of my favorite life hacks that streamline and enhance daily life. These “Life-Hacks” are easy to adopt and will save you time and money in 2024! Please share your favorite Life-Hacks in the Comments! Automated Bill Payments: Simplifying finances by setting up all bills on autopay, ensuring time…
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I'm excited to share with you five quick and effective stress-busting techniques that you can use in high-pressure situations. Drawing from my recent experience of giving a public speech to colleagues, I explore how stress, particularly in demanding scenarios like public speaking, affects us all. Focused Breathing: I begin with two breathing exerci…
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After being charmed by a delightful seasonal film where the lead character seeks a sign, I felt inspired to revisit some of our family's cherished holiday movies. To my amazement, I discovered an abundance of profound messages nestled within these beloved holiday favorites. In this exploration, I dive into four iconic films: "Home Alone" "Jingle Al…
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Discover the profound insights from 'Co-Creation at its Best: A Conversation Between Master Teachers,' featuring Dr. Wayne Dyer and Esther Hicks. Danette explores the intriguing dialogues between Dyer and Abraham (channeled by Hicks), focusing on topics like the law of attraction, spiritual connectivity, and personal growth… Books on Amazon: Co-Cre…
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Discover the benefits of positive self-talk and mental makeovers in this insightful podcast episode. Learn practical strategies to combat negative self-perception and foster a mindset of self-compassion. With tips on mindfulness, gratitude journaling, and cognitive reframing, this episode guides you towards a more positive and confident outlook, en…
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Discover how creating space in your life can lead to surprising benefits, from enhanced mental clarity to improved physical health and new opportunities. I share my personal journey, 8 practical decluttering tips, and inspiring insights, guiding you on a path to a more organized, fulfilling life… Download your FREE guide: 3 Steps to Build Self-Care…
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Just five weeks ago, I embarked on a journey with a modest start of a little over $100, and now, I'm thrilled to share that I've added over $2100 towards realizing my dream of exploring four uncharted destinations… Featured products from this episode: 🎥 Aochuan Smart X Pro Smartphone Gimbal Stabilizer Compatible for iPhone 14 13 12 11 Pro/Max, Andr…
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In this episode, I incorporate a workshop style format as we dive into the art of strategic goal setting, steering away from traditional SMART goals. I discuss a transformative approach to setting three distinct types of goals - dealing with personal challenges, inner development, and external ambitions - while emphasizing the importance of positiv…
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90 Day Planner: Thriving in the Fast Lane: 90 Days to Set, Plan, and Achieve Your Goals! Get your copy here: https://amzn.to/3ROZEOu Do you have ambitious goals, but struggle to turn them into reality? Imagine a world where you not only set your sights on inspiring success but also have a clear roadmap to get there. This 90-day productivity planner…
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Thriving in the Fast Lane: 90 Days to Set, Plan, and Achieve Your Goals! Get your copy here: https://amzn.to/3ROZEOu Do you have ambitious goals, but struggle to turn them into reality? Imagine a world where you not only set your sights on inspiring success but also have a clear roadmap to get there. This 90-day productivity planner is meticulously…
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Thriving in the Fast Lane: 90 Days to Set, Plan, and Achieve Your Goals! Do you have ambitious goals, but struggle to turn them into reality? Imagine a world where you not only set your sights on inspiring success but also have a clear roadmap to get there. This 90-day productivity planner is meticulously crafted for those who are ready to take cha…
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Traditional IRA vs. Roth IRA – Which one is better? In this episode, Danette explores the decision between investing in a Traditional IRA, which offers immediate tax deductions but taxes gains upon withdrawal, and a Roth IRA, which doesn't provide tax deductions on contributions, but offers tax-free gains. Click here to Download Your FREE “3 Steps”…
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Thriving in the Fast Lane: 90 Days to Set, Plan, and Achieve Your Goals! Do you have ambitious goals, but struggle to turn them into reality? Imagine a world where you not only set your sights on inspiring success but also have a clear roadmap to get there. This 90-day productivity planner is meticulously crafted for those who are ready to take cha…
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In this episode, we explore practical strategies to alleviate the financial strain that often accompanies five major life transitions: Relocating to new places Navigating career or job changes Managing finances through relationship shifts Coping with unexpected health events Finding stability during times of loss or grief. Tune in to discover exper…
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Exploring the magic of Micro Goals – super Small Goals that you can easily achieve will turn into Habits helping you achieve… Our FREE Mini-Course: Fall Asleep Fast is NOW AVAILABLE: Click here for instant access: https://bit.ly/Fall-Asleep-Fast-Course-Sign-Up Easy Progress: Discover how tackling tiny goals creates a ripple effect. You'll start sma…
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Don't miss out on these easy steps that can make a big difference in your financial journey. Uncover practical strategies, in our 1 YEAR Anniversary Episode, that can boost your wealth while fitting into your busy schedule. The episode explores hidden wealth-building gems to help you achieve prosperity. Click here to Download Your FREE “3 Steps” to…
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Learn a fresh new way to set goals, making them more exciting and motivating, so you can achieve things that truly fill your cup and bring you energy… Our FREE Mini-Course: Fall Asleep Fast is NOW AVAILABLE: Click here for instant access: https://bit.ly/Fall-Asleep-Fast-Course-Sign-Up Danette challenges the conventional SMART goals framework and in…
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1:35 Meditation Starts – Recommend 3 – 4 times a day for a quick stress relief meditation exercise. This is based on the Heart-Mind Coherence Meditation that I learned from Gregg Braden at a Celebrate Your Life spiritual conference. This is perfect if you’re feeling stressed out and need just a moment to gather yourself together. You can watch the …
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In this exciting episode, we'll be delving deep into the risks of long-term investing and equipping you with eight powerful strategies to reduce them. Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.trunorthwealth.com/newsletter-signup What’s included: 3 Steps to Planning an EPIC Retirement Step 1: How w…
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In this episode of the Ready to Retire! podcast, host Danette Lowe CFP®, shares crucial tips to maximize your Social Security benefits and ensure a financially secure retirement. Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.trunorthwealth.com/newsletter-signup What’s included: 3 Steps to Planning an E…
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Download your FREE guide: 3 Steps to Build Self-Care into a Busy Schedule https://bit.ly/3-ways-self-care Check out our Live and Online Courses: https://shinefirsttoday.com/courses Discover the power of embracing change and learn valuable strategies to reduce stress and anxiety in our latest episode of Shine First Today. I reveal five essential tip…
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In this episode, I discuss the often overlooked but crucial aspect of financial planning – conducting a beneficiary checkup. Many people neglect to review and update their beneficiaries listed on various accounts, which can lead to unintended consequences. Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.…
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Download your FREE guide: 3 Steps to Build Self-Care into a Busy Schedule https://bit.ly/3-ways-self-care Check out our Live and Online Courses: https://shinefirsttoday.com/courses Inspired Thinking and the New C.A.L.M. Method Explained In this episode, we explore the transformative power of Inspired Thinking and the four-step C.A.L.M. Method. I sh…
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Discover expert strategies for protecting your retirement plan in times of high inflation, including tips for diversifying your portfolio and building a solid financial plan… Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.trunorthwealth.com/newsletter-signup What’s included: 3 Steps to Planning an EPIC …
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Empower your financial journey by understanding FDIC insurance, protecting your assets, and learning from the past… Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.trunorthwealth.com/newsletter-signup What’s included: 3 Steps to Planning an EPIC Retirement Step 1: How will You Spend Your Time? Step 2: Id…
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Retiring soon? We discuss the 9 most common Financial Planning mistakes and How to AVOID them. Plus, bonus advice on choosing an advisor… Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.trunorthwealth.com/newsletter-signup What’s included: 3 Steps to Planning an EPIC Retirement Step 1: How will You Spend…
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Are you ready to revolutionize your life with a game-changing habit? In this episode we explore the incredible benefits of cultivating a habit of.… Check out our FREE GUIDE: 3 Ways to Build Self-Care into a BUSY Schedule: Click here to download your FREE copy: https://bit.ly/3-ways-self-care Are you ready to revolutionize your life with a game-chan…
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From Stress to Success: Learn about the benefits of adding CREATIVITY into your daily life and how this simple exercise can SOLVE… Check out our FREE GUIDE: 3 Ways to Build Self-Care into a BUSY Schedule: Click here to download your FREE copy: https://bit.ly/3-ways-self-care Shine First Today Podcast: Episode 8 From Stress to Success: Learn about t…
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Discover the 5 benefits of financial planning and follow the 6-step process to achieve financial goals, reduce stress, and secure your future.… Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.trunorthwealth.com/newsletter-signup What’s included: 3 Steps to Planning an EPIC Retirement Step 1: How will You…
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Where are you in your financial journey? Whether you’re just starting to save for retirement or already have your retirement party scheduled, take some time to review how to make the most of where you are right now to avoid future problems. In this episode, I outline four important phases of your financial journey and how to prepare for retirement …
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Danette admits that it's not easy to focus on our own positive traits as we tend to think about what other people like about us. However, taking a minute to write down what we love about ourselves can be so impactful in checking in with our relationship to ourselves. When Danette did the exercise, she found it easy to think about what other people …
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Tax season is fast approaching, so it’s time to ensure your finances are in order. In this episode, I address the common confusion between taxable and tax-deferred accounts as well as 3 income tax blunders you definitely want to avoid. Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.trunorthwealth.com/ne…
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In this episode, you’ll learn four key pieces of information from Secure Act 2.0 and how they are beneficial to you right now, including a significant update to the new IRA Beneficiary rule from Secure Act 1.0. The changes made in this new law greatly impact how you should plan for retirement, so through this episode, I will give you tips on how be…
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"The world is run on the backs of women without boundaries." In this episode, we discuss what boundaries are, how to maintain them and why we also need to respect boundaries put up by others. You can't expect someone else to enforce your boundaries. That gives them undue power over your life. Today we’ll discuss boundaries, why they’re necessary, h…
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Even if your children aren’t set to receive an inheritance, they must be educated about money if you want to increase their chances of becoming a financially successful adult. In this episode, I describe nine strategies parents can use to help kids understand how to get the most value out of their money. Click here to Download Your FREE “3 Steps” t…
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If you’re considering retirement before the age of 60, there are a few key things you must consider to ensure you’re financially prepared. You need to have an understanding of how your age will affect your social security payout, how you plan to pay for health insurance, what penalties you may incur for withdrawing early from an IRA, and what the u…
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Whether you use a digital app or old school pen and paper, journaling can have amazing benefits when it comes to stress. Writing uninterrupted can allow you the time and space to process what’s on your mind, both good and bad, and help you figure out where you might need extra help. In this episode, I share a simple 3-step exercise for journaling t…
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So often when people think about financial goals, they believe money deserves the most attention, but in reality, it’s the end result that’s the center of your goal. Whether that result is a special experience, like traveling to a bucket list destination or visiting family every year, or perhaps something you’ve wanted forever like your dream home …
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In a recent survey, 43% of Americans admitted they simply guess when it comes to how much income they will need in retirement. Rather than leave it to chance, it’s imperative to think about how you want to spend your time in retirement to have a solid understanding of how much money you’ll need in the future. Creating a wealth vision board is an ex…
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