{"id":193948,"date":"2026-06-23T10:19:08","date_gmt":"2026-06-23T15:19:08","guid":{"rendered":"https:\/\/www.artofmanliness.com\/?p=193948"},"modified":"2026-09-06T07:22:57","modified_gmt":"2026-09-06T12:22:57","slug":"podcast-1122-the-retirement-trap-should-you-really-stop-working-at-65","status":"publish","type":"post","link":"https:\/\/www.artofmanliness.com\/finance\/money\/podcast-1122-the-retirement-trap-should-you-really-stop-working-at-65\/","title":{"rendered":"Podcast #1,122: The Retirement Trap \u2014 Should You Really Stop Working at 65?"},"content":{"rendered":"<p>The modern idea of retirement was built on a bet that turned out to be wrong. It assumed people would spend most of their lives working and only a relatively short period of time retired. Instead, many Americans now reach 65 healthy, active, and with an entire third of their life ahead of them. Yet we&#8217;re still using a retirement model designed for a world in which old age was shorter and fewer people expected decades of life after leaving the workforce.<\/p>\n<p>My guest says that outdated assumption creates some unfortunate unintended consequences. It causes people to stress excessively about money, postpone meaningful experiences with family and friends, and sometimes sacrifice the very things that make life worth living in the first place. He argues that by rethinking retirement \u2014 not necessarily eliminating it, but reimagining it \u2014 we can enjoy more of our lives now while actually feeling more secure about the future.<\/p>\n<p>His name is Derek Coburn, and he&#8217;s a financial advisor and the author of <a href=\"https:\/\/amzn.to\/3QESSMK\"><em>Let&#8217;s Retire Retirement<\/em><\/a>. Today on the show, Derek explains why the traditional retirement model came about, why it may no longer make sense for many people, and how working even a few years past 65 can dramatically change the math of retirement planning. We also discuss the surprising psychological challenges many people face after they stop working, why purpose matters more than leisure, and how thinking differently about retirement can free you up to spend more time on what matters most right now \u2014 whether that&#8217;s traveling, strengthening your marriage, or making the most of the limited summers you have left with your kids.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The modern idea of retirement was built on a bet that turned out to be wrong. It assumed people would spend most of their lives working and only a relatively short period of time retired. Instead, many Americans now reach 65 healthy, active, and with an entire third of their life ahead of them. Yet [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":194556,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42377,42395,156],"tags":[],"class_list":["post-193948","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-money","category-podcast"],"featured_image_urls":{"large":"https:\/\/www.artofmanliness.com\/wp-content\/uploads\/2026\/06\/1122-538x280.png","medium_large":"https:\/\/www.artofmanliness.com\/wp-content\/uploads\/2026\/06\/1122-768x432.png","aom":"https:\/\/www.artofmanliness.com\/wp-content\/uploads\/2026\/06\/1122-372x230.png","reactor-320":"https:\/\/www.artofmanliness.com\/wp-content\/uploads\/2026\/06\/1122-320x180.png","reactor-640":"https:\/\/www.artofmanliness.com\/wp-content\/uploads\/2026\/06\/1122-640x360.png"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Podcast #1,122: The Retirement Trap \u2014 Should You Really Stop Working at 65? | The Art of Manliness<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/beta.artofmanliness.com\/finance\/money\/podcast-1122-the-retirement-trap-should-you-really-stop-working-at-65\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Podcast #1,122: The Retirement Trap \u2014 Should You Really Stop Working at 65? | The Art of Manliness\" \/>\n<meta property=\"og:description\" content=\"The modern idea of retirement was built on a bet that turned out to be wrong. It assumed people would spend most of their lives working and only a relatively short period of time retired. Instead, many Americans now reach 65 healthy, active, and with an entire third of their life ahead of them. Yet [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/beta.artofmanliness.com\/finance\/money\/podcast-1122-the-retirement-trap-should-you-really-stop-working-at-65\/\" \/>\n<meta property=\"og:site_name\" content=\"The Art of Manliness\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/facebook.com\/artofmanliness\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-23T15:19:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-06T12:22:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/beta.artofmanliness.com\/wp-content\/uploads\/2026\/06\/1122.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Brett &amp; Kate McKay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@artofmanliness\" \/>\n<meta name=\"twitter:site\" content=\"@artofmanliness\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Brett &amp; Kate McKay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/beta.artofmanliness.com\\\/finance\\\/money\\\/podcast-1122-the-retirement-trap-should-you-really-stop-working-at-65\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/beta.artofmanliness.com\\\/finance\\\/money\\\/podcast-1122-the-retirement-trap-should-you-really-stop-working-at-65\\\/\"},\"author\":{\"name\":\"Brett &amp; Kate McKay\",\"@id\":\"https:\\\/\\\/www.artofmanliness.com\\\/#\\\/schema\\\/person\\\/e4ed6cc1b40b6de48739267a953ef2b3\"},\"headline\":\"Podcast #1,122: The Retirement Trap \u2014 Should You Really Stop Working at 65?\",\"datePublished\":\"2026-06-23T15:19:08+00:00\",\"dateModified\":\"2026-09-06T12:22:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/beta.artofmanliness.com\\\/finance\\\/money\\\/podcast-1122-the-retirement-trap-should-you-really-stop-working-at-65\\\/\"},\"wordCount\":281,\"image\":{\"@id\":\"https:\\\/\\\/beta.artofmanliness.com\\\/finance\\\/money\\\/podcast-1122-the-retirement-trap-should-you-really-stop-working-at-65\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.artofmanliness.com\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/1122.png\",\"articleSection\":[\"Finance\",\"Money\",\"Podcast\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2026\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.artofmanliness.com\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/beta.artofmanliness.com\\\/finance\\\/money\\\/podcast-1122-the-retirement-trap-should-you-really-stop-working-at-65\\\/\",\"url\":\"https:\\\/\\\/beta.artofmanliness.com\\\/finance\\\/money\\\/podcast-1122-the-retirement-trap-should-you-really-stop-working-at-65\\\/\",\"name\":\"Podcast #1,122: The Retirement Trap \u2014 Should You Really Stop Working at 65? 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