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In this short podcast episode, Susan shares a simple but important message Making money online is a profession, not a gimmick For many people over 50, the idea of building income online still feels uncomfortable Years of hype, exaggeration, and empty promises have created understandable scepticism But as Susan explains, the problem isn’t the model it’s the way it’s often presented Before moving online we were self‑employed professionals living with the familiar feast‑or‑famine reality and no pension safety net What they were looking for wasn’t a shortcut, but something legitimate, ethical, and sustainable In the episode, Susan talks about why so many capable people feel stuck online not because they lack effort, but because they’re overwhelmed by conflicting advice and too many options Confusion, not laziness, is usually the real barrier The solution is clarity and structure. Just like any other profession, building income online works best when you learn real skills, follow a clear framework, and stay consistent long enough for progress to compound Susan also shares why education, community, and support matter especially for people who’ve tried before or are starting later in life and why approaching this professionally can create more freedom, flexibility, and peace of mind around the future 🎧 Listen to the full audio episode above and take a few minutes to reflect on whether the next chapter of your life deserves a more intentional approach No hype. No pressure. Just perspective so you can decide for yourself Thanks for listening Resources : The Home Business Academy : Click Here Our Story : Click Here Talk To Us : Click Here

In our last newsletter, we mentioned that today we’d be sharing something important… Something designed to help you build your freedom faster So let’s get straight to the point Over the past few weeks, we’ve focused on reflection, mindset, principles, and clarity Because before action comes readiness But there comes a moment when preparation must turn into a decision Before we share what’s new today, we want to pause and acknowledge something important Over the past few weeks, we haven’t just been sending emails We’ve been intentionally sharing mindset shifts, principles, and reminders – both here and across our social media – to help you prepare for 2026 Each day, we’ve been posting one of our personal principles for success because freedom isn’t built on motivation alone It’s built on how you think, what you focus on, and the actions you take consistently One principle in particular has been sitting with us this week Vision into Action Because dreams stay dreams without action Freedom isn’t built in one big leap – it’s built in small, daily steps that align with a clear vision And progress will always beat perfection We were thinking about this just yesterday, walking home along the beach at sunset 🏖️ wishing that more of the people who tell us about their dreams would believe in themselves enough to know they can make them real As Gary Vaynerchuk says so powerfully We couldn’t agree more Why This Matters Now If you’re over 50 and thinking seriously about your future, you already know this truth Time matters Health matters Financial security matters And relying on a single income stream or hoping things will somehow “work out” simply isn’t a strategy That’s why we recommend what the Home Business Academy has created – their Triple Residual Formula Rather than sending people off to search for different residual income streams on their own, HBA brings everything together in one place The education, the systems, and the multiple income components designed to work side by side It’s the framework we personally use and trust because it simplifies the process and removes so much of the guesswork, especially for people starting later in life who want clarity, not complexity Today, for the first time, we’re inviting you to explore it properly ⭐ Something New (and Very Powerful) We’ve just launched a brand new page that explains everything clearly and transparently – and here’s the part we love most It includes a built-in AI Chat That means you don’t have to guess You don’t have to rely on sales pressure You can simply ask questions – as many as you like – and decide for yourself if this is a good fit We’ve tested it extensively ourselves, and it’s genuinely brilliant How we suggest you use it Read the page fully Listen carefully to the testimonials (especially this part – real voices matter) You’ll even hear Susan sharing why this has become our home business home and why we’re so confident recommending it This isn’t about convincing you It’s about giving you the space and tools to decide Both informed and empowered Open up Sage our AI chat 💬and ask anything that’s on your mind Test it for yourself (we did) At the heart of this (in case you are new to our newsletter)  is the Home Business Academy (HBA)  The education, community, and systems we personally use and trust It’s been a cornerstone of how we’ve built our residual income, flexibility and a lifestyle business that supports life (not the other way around) And now, with the Triple Residual Formula, the path is clearer and faster than ever We want you to have what we’ve got and build your escape from whatever is currently holding you back  👉 Explore the page and ask your questions here If you’ve been waiting for a sign… If you’ve felt that nudge to do something different… If you don’t want to look back on 2026 wishing you’d acted sooner… This might be that moment No pressure No hype Just information, transparency, and a chance to choose FOR YOURSELF We’ll leave you to test out our new page and ask your questions Do let us know how you got on  Chris & Susan

We’re back from a wonderful 4-day city break in Lisbon Portugal – a few days of walking, talking, exploring, eating well, and simply enjoying a change of scenery And it reminded us (again) why we designed our business the way we did While we intentionally stepped away from day-to-day work, our business didn’t stop… People joined our business and commissions continued to come in…Not because we were “working harder,” but because the foundations were already in place In fact, all we really did was share a little of what we were enjoying in Lisbon on social media each day and that’s exactly how our business is designed to run And yes we did get to see the famous #28 Tram that runs around the centre of Lisbon as well as many other fun things  That’s what freedom looks like to us Not doing nothing — but having choice. And choice doesn’t happen by accident It’s built on decisions, habits, and principles repeated over time Which brings us to something we wanted to share with you today We recently watched a video by Dean Graziosi called “Your 10 Personal Principles for a Successful 2026” ➡️ Watch the video here After you’ve watched it here’s a recap of these principles… Principles that apply whether you’re building an online business, planning retirement, or simply wanting more from this next chapter of life 10 Personal Principles for a Successful 2026 (Dean Graziosi–inspired) 1. Take 100% Responsibility for Your Life No blaming. No excuses. Every choice you make shapes what comes next. 2. Protect Your Mind and Focus What you allow into your attention determines your results. Guard it wisely. 3. Surround Yourself with the Right People Your environment matters. Choose people who encourage growth and possibility. 4. Set a Vision – Then Act Daily Big goals only work when they’re translated into small, consistent actions. 5. Take Bold, Uncomfortable Action Growth lives just outside your comfort zone. Waiting costs more than trying. 6. Be Solution-Focused, Not Problem-Focused Ask better questions: How do I move forward from here? 7. Persist Until You Succeed Progress beats perfection. Every step counts if you refuse to quit. 8. Say No to What Doesn’t Serve Your Growth Your time and energy are valuable — protect them. 9. Build Discipline in the Small Things Daily habits around health, focus, and consistency compound over time. 10. Think Big — Daily Success isn’t one decision. It’s a mindset you choose every day Reading through these, we were struck by how closely they align with what we’ve experienced over the last 15+ years Freedom – whether that’s travel, flexibility, better health, or financial security is rarely about one big leap It’s about living by principles that support the life you want, day after day And this is exactly what we encourage you to do too… Build something that supports your life – not one that traps you in it! Because mindset and principles are the foundation of every successful lifestyle business and every fulfilling next chapter To help you set those all important goals and prepare you each day for a better life check out the app we use daily here In our next newsletter we have some exciting news for you to help you build your freedom faster!

There was a simple line we saw recently on a poster outside HolaBank here in Spain and it stopped us in our tracks and made us smile Two people were standing on a beach and it said… “If you have someone with you, everything is possible” We’re lucky 🍀we have each other and worked with each other most of our married life The more we’ve thought about it, the more we’ve realised just how true that is especially at this stage of life So many people we speak with are over 50, experienced, capable, and full of stories… And yet what they’re often missing isn’t motivation, intelligence, or effort It’s someone to walk alongside them We see this pattern often  People who’ve already taken action, shared their story, and inspired others but feel unsure about the next step Not because they lack ability But because they’re asking a very human question “How do I turn what I’m doing into something that truly helps people and actually works?” And that’s where guidance, structure, and having someone with you changes everything This time of year, when goal setting is front of mind, the first step isn’t pressure or perfection it’s clarity And one simple reminder from a recent training really stayed with us Have fun this year We love 🩷 that Because growth doesn’t have to feel heavy especially when you’re not doing it alone And this is exactly why we do what we do… This Friday, we’re off to Lisbon in Portugal for a short city break a few days to see a musical (our daughter got Susan tickets to Cats for her 70th birthday)  We’re meeting our digital nomad friends who live in Portugal and will do some fun things like a city tour on a motorcycle and sidecar and take a tram ride Travel and experiences are always on our mind Not as an “escape”, but as a reminder of the freedom we’ve intentionally built Our business continues to run while we’re away, with very little required beyond staying lightly connected and sharing what we’re up to  That flexibility didn’t happen by accident it was a choice And it’s exactly the kind of lifestyle business we encourage you to create too Because we only get one life…  And it deserves to be lived – not postponed As always we want to give you something to help you get your year off to a good start So here’s something that we believe is so important  🎯 How To Shape Not Just Goals But Direction for 2026   We recently went through a powerful training that asks some simple but crucial questions… The kind that help you shape not just goals, but direction for 2026 We’d like to share it with you here because clarity comes first And we often need a little help with that… To reflect, decide and move forward with intention especially if you’re building (or considering building) an online business as part of your retirement lifestyle  You can watch it here Join us for our next newsletter where we’ll share Your 10 Personal Principles For A Successful 20206 And talk about our trip to Lisbon Until then…

Five Regrets And The Choices We Still Get To Make As we step into the very first newsletter of 2026, we want to begin with something that feels grounding, honest, and important Time passes quickly We’re reminded of that more and more with each year and perhaps you are too That’s why a book that’s been on our minds again is The Five Regrets of the Dying by Bronnie Ware, based on a blog post she wrote years ago that went on to reach more than 8 million readers In her work caring for people at the end of their lives, five themes came up again and again I wish I’d had the courage to live a life true to myself, not the life others expected of me I wish I hadn’t worked so hard I wish I’d had the courage to express my feelings I wish I had stayed in touch with my friends I wish I had let myself be happier  They’re simple words As we begin 2026 – a fresh chapter… It feels like a powerful reminder that none of us want to look back with regret, wondering why we didn’t make different choices when we still had time For us, this is why we’ve always talked about both health and financial stability Because without health, freedom loses its meaning And without financial security, choice quietly disappears Over the past 15+ years (we’re now beginning our 16th year online), we’ve seen how the right support, skills, and mindset can completely change what later life looks like Not overnight But steadily, intentionally, and with purpose This is also why we’re so careful about what we recommend We’re also now sharing these newsletters as short audio episodes and blog summaries, so you can engage in whatever way suits you best ⭐ Recommended Resources (Only what we know, use, and trust ourselves) 💻 Home Business Academy (HBA) HBA is where we learned and continue to refine the skills of online business and affiliate marketing Why we recommend it Because financial wellness matters This is the education that helped us create residual income, flexibility, and choices – especially important as we move through our later-life chapters Explore Home Business Academy here 🧠 Amare Global – The Mental Wellness Company Amare focuses on mental wellness, gut health, and emotional resilience – areas often overlooked, but absolutely foundational The pandemic opened up a ‘pandora’s box‘ and much of the world woke up to taking better care of their mental and physical wellness Why we recommend it Because staying well physically and mentally is just as important as staying financially secure And for those who choose, it also offers a way to earn alongside using products we genuinely love Explore Amare here We genuinely feel they go hand in hand because what is wealth without health! If you want to change your life change your mind! Before you leave pick up a copy of our book The Hybrid Retirement Blueprint How to build A Predictable $3000-$5000 Monthly Residual Income (even if you think it’s too late) – blending purpose, leisure and freedom for your perfect hybrid Retirement

Join us for our final Living The Retirement Lifestyle newsletter of 2025 As we sign off on the final newsletter of 2025, we just wanted to pause and wish you a very heartfelt Happy New Year  Feliz Año Nuevo  Hand on heart  2025 has been a year of ups and downs, twists and turns But through it all, we’ve stayed positive, never let go of our dreams, and learnt a lot If there’s one lesson that stands out, it’s this Time is our most precious asset  So as you step into 2026, our wish for you is simple Don’t waste your time Be intentional with your time Choose to spend it with people who genuinely care about your growth, who value your experience and who want to help you move forward not keep you stuck Because later life isn’t about going it alone It’s about learning, growing, and building alongside people who truly understand where you are and where you want to go We believe 2026 is going to be an important year So step into this new year with the mindset of success Trying something new Taking a risk Developing skills Making memories while life is still a little messy Because your life doesn’t shape itself You do We’re signing out from our home  in Spain It’s a little chilly today, but there are glimpses of blue sky and we have our traditional grapes  ready for when the clock chimes midnight  Whatever 2026 holds for you, we hope it’s filled with health, freedom, meaningful work and people who truly matter Here’s to the very best chapter yet Cheers   Chris & Susan Because this felt like one of those messages that mattered, so we’ve done something new If you’d prefer to listen rather than read, Susan recorded an audio version of this email in her own voice –  just as if we were chatting together We hope it feels like a warm send-off into 2026 It’s what you are listening to here

Join us for the first podcast of 2025 celebrating our new life in Spain on the beautiful Costa del Sol. After Mum passed away in 2022 and our caring responsibilities ended and all our children having left the nest we decided it was our time and this year we received our visa to live and work in Spain Retired but not retired 🤣 because we can never see ourselves doing nothing if we’re honest Today we have what we’ve called The Hybrid Retirement – we work because we love what we do but we also have an enjoyable and fun life exploring new hobbies and sports we never had time for And if you can incorporate the 5 Pillars of Life After 50 you can have a pretty amazing life A little introduction first if we have not yet met Chris and I have been showing people 50+ in or approaching retirement how to make money online for 15 years and we’re passionate about better health and wellness alongside being financially secure and creating a lifestyle business that gives us choices for our retirement – what we call our Hybrid Retirement Lifestyle We love all things digital marketing and sharing what works with our clients, friends and followers Midlife is a new adventure after all! https://vimeo.com/1098503088 We hope you will enjoy this and our future podcast episodes as we we share stories, tips and strategies for starting an online business after 50 – meet our friends and mentors who have been our guides and inspired us over the years and helped us help thousands of others seek a successful life after 50 and into retirement Let us share with you our 5 Pillars For Life After 50 Financial Security Not Financial Stress Be Healthy Both Physically & Mentally To Travel & Have Life Experiences Look Good & Feel Good About Ourselves And Our Future Help Others Achieve The Same Now of course not everyone wants to be an entrepreneur so of course we’re only speaking to those of you who have that spark 💥 in you to do something that lights your fire and a joyful next chapter. If that’s you welcome to the podcast that champions you Please share this with your friends and fellow entrepreneurs who like many we meet think they are too old or it’s too late… Because it never is 😀

Meet our guest on today’s Living The Retirement Lifestyle Podcast – Billy Schwer – long time friend, former world boxing champion and now author, international speaker, entrepreneur and advocate for mental health and wellness. We first met Billy during our years as management consultants before we became online entrepreneurs and remember it well as he had Susan learning how to box🥊 Friendships are forever and we can truly say that about Billy Let’s say that today’s podcast is both entertaining and inspirational and we hope will think about your life after 50, retirement and what’s possible… How he’s taken his experiences in the ring and in life and is now helping people with their mental health Who Is Billy? https://vimeo.com/1000761856?share=copy He’s a former boxing world champion, he’s headlined at the MGM Grand in Las Vegas, The Royal Albert Hall London where at 23 he won the British and Commonwealth Titles and at finally at his fourth attempt to become World Champion claimed the coveted title But as he says life doesn’t always go according to plan does it? And in defending his title and getting badly injured he made the toughest decision of his career Life as a boxer was over! He was going to retire But as he shares, life changing decisions are tough but then life is very very short too and he shares how the transition from ‘Billy the Boxer‘ to life in the real world after ‘retirement’ he found very difficult He struggled with his mental health and depression coping with bankrupcy and losing everything he had worked for… even having suicidal thoughts and admits it took him 15 years to sort himself out But he did And he now volunteers for The Samaritans because having had suicidal thoughts he really understands the conversation going on in the heads of those desparate enough to call in for help “The words ‘Mental’ & ‘Boxing’ came together on a very stressful afternoon when I was in the midst of a depressive episode. I knew others were suffering like me and I wanted to find an answer, a solution for all of us. How could I win the mental boxing match that I was having with the voice in my head? It was giving me a good hiding and beating the shit out of me. Having been a fighter – a winner – all my life (I’m a former world boxing champion, just in case you didn’t know), I was used to fighting, but this fight that I was having was a different kind of fight altogether and one that I was losing, badly. I was getting close to being knocked out… for good. Since those dark days (the lost years) I’ve been on a journey of discovery about what it takes to win this fight, to win at this thing called life – and I’m really happy to say I’ve figured something out and I’m happier, more fulfilled and satisfied with my life now than ever before. I want you punching above your weight, winning more often, experiencing more success and looking great while you’re at it” The stresses people are subject to today are almost unimaginable in a modern world where they shouldn’t exist How could Billy the champion in the ring be Billy who failed in life? This is the kind of question many of us are asking as we get towards retirement when our careers are ended and “what next” Not failure per se as Billy explains but what happens when we reach that momentous day when we’re presented with our long service reward (usually a clock as in our parents or grandparents day) What will we do? Will we still want to work in some capacity or maybe give our time to a good cause or charity as Billy Just remember as you read this you have knowledge and life experiences that could well be what someone is waiting for That’s why this podcast and blog is all about helping you reach your full potential when that time comes Thanks for watching / listening or reading and hope Billy’s story has given you a glimmer of hope for what comes next… Because we have many more years of life and much to do once we’ve escaped the 9-5! We love these inspiring words from Billy and hope you will too You can find out more about Billy here Website : Click Here Wikipedia : Click Here Facebook : Click Here Linkedin : Click Here Thank you for joining us and any questions for us or Billy do reach out to us

Meet our friend Hui Hui Lek from Singapore who became a very special friend during the Pandemic when our lives and businesses had been curtailed overnight. Life virtually became our new everday and social media became our lifeline. We were both taking part in a virtual challenge with the iconic Tony Robbins and Dean Graziosi with a focus on using our skills, talents and passions into a business Hui Hui had lost her retail business overnight as her business relied on importing from China and all borders were closed and she was unable to fulfil orders It was a pretty stressful and challenging time but as we know from personal experience sometimes it’s those challenges and obstacles that become a springboard to something new and exciting Tune in and listen to her story as she takes you through what happened next It’s truly inspiring and proof that with the right mindset, belief and mentorship anything is possible https://vimeo.com/951868599?share=copy We hope that you picked up from her story that when she began her online business she had zero influence and zero audience but what she did have in bucket loads was courage and using a skill she had mastered from the past in illustration After every training she put together what she learned into picture form and shared it with people for free never realising that as she did so she was creating an audience… An audience that has since helped propel her into an amazing business and life We feel very honoured to have met her during the covid years and she gave us inspiration and the motivation to carry on when things looked bleak for us… And likewise inspired by the BIG MAN himslef 3 Things Tony Robbins Said That Changed Her Life If you’ve ever been in a position where you were challenged and thought you couldn’t do something or that someone left you feeling you were not good enough or wouldn’t be able to do something let us share what happened to Hui Hui (remember she told us her name made Tony Robbins happy 😀) how the words of Tony Robbins gave her strength and courage to keep going even though she had never met him until this year. We can totally resonate with that and we were lucky enough to meet him many years ago She say “he switches my mindset every time I’ve had a huge setback in business.” A 6-figure coach told her she wouldn’t make it and was in a state of depression, Tony’s voice ring in her ears, “I can’t therefore I must!” When she was in a daze the second day after she started her coaching business and got a call that her Dad was very sick and hospitalised but she remembered Tony’s words, “Things are happening FOR you, not to you.” It gave her the courage and strength to continue… And made her think what must she do so that it’s happening for me? That incident became her biggest motivation to succeed as a coach. Sprinting from zero to 2MM in 2 years. She then I had a meltdown in her 3rd month stumbling over speaking coherently in English even after lots of practice. She recalled Tony’ voice saying, “Believe it will be worth it in the end.” At that time, she hadn’t even met Tony in person and he already had had a huge influence on her We truly hope that hearing her story and the challenges she overcame from losing everything she and her partner had worked for to where she is today actually meeting Tony Robbins and sharing her story with him… That you too will be motivated to put aside all those little voices in your head that Chris calls “fruit salad“ And make the leap into the unknown and make a life and an income for yourself that you truly deserve You can read the rest of her story as it unfolds on her social media below and we hope we will meet you in this year’s free challenge called “The Game Has Changed“ We’ll be there alongside Hui Hui and thousands of others ready to make a change in their life We’ll leave you with a favourite quote from Hui Hui “Failures Are The Stepping Stones To Success” Connect With Hui Hui Here Facebook Instagram Linkedin YouTube Thank you for joining us and any questions do reach out to us

Join us with our guest Jo Barnes on Living The Retirement Lifestyle Podcast as we talk about how running an online business has changed over the 13 years we’ve all been online and how easy it is today to make money online in so many different ways and fulfilling a life without limits… How anything from $500 a month to $2000 can make all the difference to someone’s quality of life https://vimeo.com/861953500?share=copy A bit of backstory We and Jo started in 2010 post the recession of 2008 when the internet was in it’s infancy with no fancy tools like we have today yet we faced the fear and did it. We neither of us knew if it would work but somehow we just knew it would and we had to try. For Jo it all began one day when feeling stuck and miserable they agreed to house sit for a friend in Cyprus who was involved in something called “internet marketing” With no income and not a lot of savings, they knew they had to start earning fast and this is her story Fast forward to 2013, Jo has been location independent running a 6 figure online businesses for well over a decade now just as we have… her husband too! Their daughter was 4 when they packed up everything and moved to Cyprus and finally arrived in Phuket in Thailand (they’ve lived and travelled to 40 countries!) where they settled so she could get through her higher education years but today they’re ready to get the backpacks out again We talked about reaching 50 – that all important milestone in our lives (we started our online business in our mid 50’s) and about “unretirement” – that time when you want to get the absolute best out of the second half of life. How it’s very possible to grow a location independent lifestyle business doing something you love that gives you the freedom to work and live anywhere in the world. And it needn’t be complicated… Nor does everyone want to be a multi-millionaire even… They just want to be comfortable and not have to worry about money and be able to do the things they dreamed of doing As Jo says, most people can quite easily start a side hustle today and generate some money selling stuff they don’t want for example It’s one of the things Gary Vaynerchuk talks about in his videos too It’s a start and then the thought of other ways of making money kicks in Building a lifestyle business isn’t just about breaking financial barriers, it’s about designing a life that literally makes you leap out of bed each morning.  And, as Gen X or Baby Boomers, our age isn’t a barrier; it’s a goldmine of wisdom and experience that gives our lifestyle businesses their unique edge Talking “unretirement”… And just for fun, Jo shares the famous “unretirement” video of Tom Brady and his NFL friends going back on the pitch – it’s very funny 🤣🤣🤣 but it does make the point. We’ve got years left in us so let’s make the most of it! She says that now it’s her mission to share her experiences and help others build their own lifestyle business that gives them the freedom to live and work from anywhere in the world whether that be your kitchen table or a beach in Fiji She believes (just as we do) that a lifestyle business is your chance to become a master of your own destiny and to generate an income that funds your ideal lifestyle whatever that is to you For anyone wanting to spend the rest of their life and not working in the traditional way (aka for someone else) she’s just launched a brand new course The Solopreneur Success Formula We’ve been through it and know you will enjoy her relaxed style of training and it will get you on the road to creating that lifestyle business you’ve been listening to us both share If there’s one thing we’ve both learnt over the years if you want to do something learn from someone who has already done what you want to do We hope that you will be inspired to face the fear and get out of your comfort zone and have a great second half of life In Jo’s words “be willing to be a bad artist to begin” (we all are) Where to find Jo: On Linkedin On Facebook Her Lifestyle Business Website Her Lifestyle Entrepreneurs Course Thanks for joining us for this episode of Living The Retirement Lifestyle and we’ll see you on the next one

In this episode of Living The Retirement Lifestyle Podcast we talk with medical doctor Luz Marten and hear how a patient at his practice who he was unable to help with traditional medication led him and his wife into the world of holistic medicine and network marketing. You will definitely want to listen to his story and hear some of the challenges he faced on the journey including having to forfeit his medical practice in favour of his belief in natural solutions. How we should all be free to make better choices in life that we believe in. https://vimeo.com/855286083 His career began as a paramedic and later became an anaethetist but after burnout and suffering depression took the decision to re-qualify as a medical doctor proof having realised that money isn’t everything! For a period of time life became much better for him and his wife and he was happy with his lifestyle but yet there was a desire to do and be more… Then one day a patient changed everything for him and his wife. He had been unable to help her with traditional medicine then one day she turned up at his practice and shared with him how she had treated herself holistically and she wanted to share with him her story. That story changed his life and his career He tried the products for himself and many of the afflictions he had went away and he just knew he had to share this with those who needed to find solutions He knew nothing about the world of network marketing that his patient had introduced him to just loved that these products worked and wanted to tell everyone about them What happened next is all too familiar in today’s world unfortunately but there is a happy ending Lutz and his wife now have the means to help people who traditional medicine has not helped and the results as we know too well ourselves are becoming more accepted They have created a business they love and they continue to serve people who have health challenges but in a different way As Lutz says, change is never easy but it’s definitely possible if you are open to doing things differently We have many years ahead of us and be healthy enough to enjoy those years Lutz’s tips to starting a side hustle or trying something new : Find someone you know, like and trust and who have done what you want to do and take advice from them Make sure that what you do will solve a problem for someone Don’t let anyone or anything hold you back Get coaching Face the fear and work on your mindset and personal development Give it a try because if you don’t you will never know Sometimes there are opportunities you don’t even know about – just be open to what is there for you Thank you for joining us and listening to our chat with Lutz Marten and hope his story inspires you to think about your own life and what may lie ahead for you You can find him on Facebook : Lutz Marten We look forward to seeing you on the next Living The Retirement Lifestyle Podcast

In today’s Living The Retirement Lifestyle Podcast we catch up with Adil Amarsi who has created himself a business through his love of copywriting learned from an early age writing stories for his Dad’s business and has gone on to write copy amassing over a billion dollars in revenue for his clients (and he’s only 33!) We first met him after attending an internet marketing event some 10 years ago and listened to him share his passion for copywriting over cocktails in the bar (some of the best moments and friendships are meeting people at events over coffee or in the bar 😂). We didn’t really know what that was back then! Social media allows us to keep in touch and after chatting recently about a course he’s just created we wanted to introduce him to you and for you to hear how you can turn a skill, knowledge (or hobby) that you are insanely passionate about into a business that generates you a full or part time income. Knowledge is in huge demand as people want to know how to do things and you could be harbouring the secret (you’ll hear him share an example of a plumber friend)! Join us for the conversation and hear his story and make sure to stay to the end as he has a fabulous tip for you for starting your very first or next income stream… https://vimeo.com/852389034?share=copy There were so many golden nuggets inside this interview and hope you took notes – we’ve added captions so you can grab those that might help you in considering your next steps or which you can use as you think about starting or pursue your online career. Getting a mentor or finding someone who has done what you want to do is a key takeaway and one we absolutely endorse – without finding a mentor we would not be doing what we are today! The internet is not just for young things as we’ve proved beyond a doubt (and why we created this podcast and blog) and when you consider the skills, talents and experience those reaching their fifties and beyond hold there’s a whole new world of entrepreneurship opening up for them. Think about some of the most successful businesses around today. Chances are, those that came to mind have – or are founded on – strong, simple and easy to understand concepts as Adil mentions referring to Leonardo da Vinci “Simplicity is the ultimate sophistication.” Skipping to the end of the interview we loved Adil’s idea of searching Faceless You Tube Channels and found you a blog so you can check that out for yourself. We’ll definitely be following up on the travel idea and it’s got us thinking of other industries too… If you are looking at Adil’s copywriting we recommend you start here – GreatestCopywriterAlive.com We love the way he writes and if you have ever opened your email account and wished you had someone write like they knew you then you will love ❤️this. That’s definitely how we want people to feel when they open our emails You Can Meet Adil Here On Social Media Facebook He’s got lots of value to share so check out his posts if you want to dig into all things marketing because he knows a lot of people and always willing to share tips and strategies Instagram Best place to contact Adil Blog Check out some of his posts and get to know him Thanks for joining us for our podcast and and if you have any questions for us or Adil do contact us here

In this episode of the Living The Retirement Lifestyle Podcast we have as our guest Greg Aler author of Fire Your Financial Advisor and advocate for change in the world of financial services as it relates to retirement in America today. Greg has a fascinating background as you’ll hear during our chat but it really does put him in a position to share what he knows about the industry and how retirees can fight back (and not just in America). Told though metaphors and recognizable events Greg shares the story inside his book of how the financial industry created a trillion-dollar empire by withholding information while over-charging and under-servicing retirees regarding the real risks of retirement. It was a very entertaining chat and we think you will see from the fact that despite being the CEO of 3 very successful companies he prefers a more relaxed look and can see why his clients would like him. We especially loved his idea that all retirees should have money set aside for fun, travel, hobbies or anything that they enjoy. https://vimeo.com/814682036 With staggering numbers of Americans living far longer than ever before (and no different to any other developed nation) our retirement savings need to go a lot further and take into account long term health care as well as investments and life savings. As we said above, what we liked best was when he said he encourages his clients to set aside money for their fun time as everyone in their retirement needs to enjoy this time of their life and not just be saving for the future. Greg has definitely stirred up a hornets nest but in a good way and highlighted the reason that the advice that your financial advisor might have given you to get to the top of “Retirement Mountain” probably won’t help get you down. That is what most retirees miss – until it’s too late… but no more! We hope you enjoyed the show as much as we did and you maybe go ask the question of your financial advisor 😀 Resources To find out more about Greg you can listen in to his podcast or tune in to his TV show – both known as Expedition Retirement. We’re sure you’re going to enjoy getting to know him and how he operates his business Expedition Retirement Podcast Expedition Retirement TV Show Thanks for tuning in to our podcast and show and it gave you food for thought about what lies ahead in your retirement planning and that you make sure to budget for fun as well as the necessities of life

In this edition of the Living The Retirement Lifestyle Podcast we interview Fazal Ullah as he shares how a chance meeting in 2007 changed his life. It’s especially poignant as that meeting was with us and we finally got to catch up with him and ask him to share his story and what happened next… https://vimeo.com/810092844 It’s not an unusual story as you’ve heard (many people we speak to what to quit the 9-5) but what was different is that Faz was so fed up with the 9-5 rat race and not seeing his kids growing up he made it happen. His family was the thing that provided him with his REASON WHY to make the change. A change that has led him to a better life and creating a way to help others who want a better life too just as we have done. Just imagine as he said if the stars had not aligned on that day – 5 seconds either way and life would have been a very different story BELIEF We asked him next about belief “So you must have had a heck of a lot of belief in yourself, a lot of self-belief to go to that exhibition, learn some things, and then on the Monday morning give up your regular income effectively“ We asked him how he could do that and he said it was having a huge belief what he was doing and a huge REASON WHY as we’ve said earlier. To build a future for his family, to create a legacy and to create passive income. MINDSET Next we asked Faz about mindset and how he approached all of this because this is a big breakaway from what he was familiar with. Here’s what he said: CHALLENGES, CONNECTIONS & NETWORKING If you have ever had any doubt about the power of challenges, networking and making connections we hope that Faz’s story of how he overcame his challenges, the people he met and those who helped him reach his goals will give you the encouragement you need to face your fears and step over the line. Today Faz has authored books on property, has his own company and mentorship program designed for people looking to do what he’s done and all because of a chance meeting he could have missed by 5 seconds! We asked him for his final words of encouragement and were not surprised to hear him say “Whatever the mind can conceive, it can achieve” And the image from his Facebook just says it all! Faz is a truly humble man and shows much gratitude for the opportunities hard work and connections has given him. We wish him much future success in the world of property. We chose our own favourite from his social media “Today is your opportunity to build the tomorrow you actually want.” It’s a journey worth taking and a goal worth fighting for. We only live once, and if you’re up for it. Let’s see what you’re capable of in the business world. Design your ideal life…” RESOURCES You can get in touch with Faz here to find out more Facebook Instagram LinkedIn YouTube Website Thanks for joining us for How A Chance Meeting Change My Life  

In this edition of Living The Retirement podcast we talk to our good friend and award winning business coach Kylie Anderson. Originally from Australia and now living and working in the UK, we first met her over a decade ago when she entered the world of online entrepreneurship. We knew she had that spark in her and she’s proved us right reaching that milestone birthday (she just turned 50) and running a very successful thriving coaching business But we’ll let Kylie share her story and hope you will be inspired to move out of your comfort zone and know that there is more to life than sticking with what you’ve always done and were good at for fear of what lies beyond! https://vimeo.com/748021151 We so loved that moment where Kylie says her boss came into the office bragging about his travel card and she realised he was still coming into the office in his retirement… one of those pivitol moments that made her know for certain it was her time to do something about building her own business to give her the flexibility to travel and start living a life not centred around work! We remembered her coming to an event we had organised showing people how they could start an online business and was in the front row taking notes and smiling like the proverbial cheshire cat. Kylie shares how she was experimenting with different ways to make money online (which is what most people do to be honest) , found what didn’t work and how not everyone can be trusted but she didn’t ever give up on her dreams and goals She knew that honing her skills would help her reach them and it would take a little time to “find her thing” as she describes it She knew that overnight success and ‘getting rich quick’ was a fallacy and an investment into personal development was extremely important Which all led to her thinking about the ‘missing link‘ as she refers to it. She was an avid consumer of training but wasn’t earning from all that knowledge! How could she change that and provide a service which would bridge the gap for people creating all this training, writing books, producing courses and bring the those all important clients? And a business was born – one that began by helping small businesses get a better presence online and collect those all important leads and learn how to communicate and nurture those those leads until some became their customers or clients. Her next realisation was that there were a lot of successful women making incredible amounts of money using the internet and conversely many were living paycheck to paycheck and had little or no plan for their retirement. Another seed was sown! She shared with us how on a recent economic forum she learnt that something like 60% of the wealth in the UK is going to be owned by women by 2025. It’s a massive market and spotting an opportunity that’s where her focus is today, championing women entrepreneurs. Plus finding ways to grow faster without so much effort and time and harnessing other ways to generate legacy wealth, all of which she can include inside her coaching business. This led to the birth of Iconic Wealth For Women and the focus of her business today. With over 7 years solid business experience, followed by 3 years running an online coaching business.  She’s uniquely positioned with REAL business experience to help her clients leverage their knowledge, develop additional income streams and help them on a journey towards more freedom and more income. Her Advice Don’t stay set in your ways as you get older. The internet is here to stay and there’s so many things you could do with a little help and guidance. If you haven’t made plans for your retirement it’s not too late – get some advice and get started now – every little helps! And her motto “work less and earn more, whilst making an impact and changing other peoples lives” If you want to follow Kylie you can connect with her on her favourite social media platform and website LinkedIn Website We hope you’ve enjoyed listening to Kylie and her plans for the future. We think she’s got her retirement nailed and hope that you got some ideas from it for your own path and that if you need to you that you find ways to add some extra income to give you the retirement you hoped for.