WEBVTT - 12-13-25 Donna D's Relationship Radio 0:00:01.600 --> 0:00:06.560 Oh, there we go. I thought it was me. Okay, 0:00:07.320 --> 0:00:08.080 no problem. 0:00:08.080 --> 0:00:13.520 It's Saturday night on a wintery, blistery, cold, slushy, snowy, 0:00:14.000 --> 0:00:18.320 traffic y night. But we're all here, Donnade with Sterling. 0:00:18.360 --> 0:00:20.800 Sterling is actually staying with me until midnight. 0:00:22.040 --> 0:00:26.920 Yep, what are you gonna do? Exactly? Parking lot that's 0:00:26.920 --> 0:00:29.520 wide open, if I could find one, I'll be all right. 0:00:29.600 --> 0:00:30.760 I'm so happy you're here. 0:00:31.160 --> 0:00:33.400 We've been on air for the last three hours and 0:00:33.440 --> 0:00:36.640 hopefully people aren't so sick of us tonight. We have 0:00:36.760 --> 0:00:40.000 in the studio braved the roads to get here. 0:00:40.120 --> 0:00:41.199 I can't even believe it. 0:00:41.560 --> 0:00:44.559 I guess you can call this an emergency, but I 0:00:44.640 --> 0:00:47.840 am very happy to that you're here. My buddy, Lisa Riker, 0:00:47.880 --> 0:00:52.239 we've been friends for over thirty years. Yea, Oh my gosh, 0:00:52.280 --> 0:00:55.640 I cannot believe it. She's been a buddy of mine 0:00:55.680 --> 0:00:59.160 forever and ever. And we're talking about a topic that 0:00:59.440 --> 0:01:04.600 is that's affected both of us because you retired this 0:01:04.720 --> 0:01:08.880 year I did, and we also have in the studio 0:01:09.440 --> 0:01:16.039 Nate Young, former retired Cincinnati police officer that's very passionate 0:01:16.040 --> 0:01:19.039 about this subject on retirement. I wanted you both to 0:01:19.080 --> 0:01:22.000 come in to talk about it. Nate, you've been retired? 0:01:22.440 --> 0:01:25.800 Has it been two years? How come we can hear? 0:01:27.400 --> 0:01:30.679 Well, there you go December twenty three. There you go. 0:01:31.160 --> 0:01:35.520 Okay, So yeah, two years it's been so okay. And Lisa, 0:01:35.640 --> 0:01:37.679 you just retired this year, and I know you don't 0:01:37.720 --> 0:01:39.640 like that word, and we're going to get into why 0:01:39.800 --> 0:01:42.000 you don't like that word. But first of all, how 0:01:42.040 --> 0:01:46.880 has your year been? And what was the scariest part 0:01:47.080 --> 0:01:48.160 of retiring? 0:01:48.440 --> 0:01:49.600 Oh? I love that question. 0:01:49.960 --> 0:01:51.960 First of all, I have to comment on what you 0:01:52.640 --> 0:01:55.960 said when you just introduced me that we've both gone 0:01:56.000 --> 0:02:00.440 through it, because it's true. I feel like I've drug 0:02:00.520 --> 0:02:03.280 my group of friends through this whole process with me, 0:02:03.680 --> 0:02:06.800 and it's a journey actually, and a fun one that 0:02:06.840 --> 0:02:10.280 we've been on together. All the highs and lows that 0:02:10.320 --> 0:02:14.119 you've gone through with me. The year has been fantastic, 0:02:14.200 --> 0:02:16.760 I have to say. I mean, I've had unfortunately a 0:02:16.760 --> 0:02:19.799 little hiccup with a little shoulder surgery I had to have, 0:02:19.880 --> 0:02:23.040 so that kind of like held back some of the 0:02:23.080 --> 0:02:26.800 travel that I wanted to do. But it's been a 0:02:26.880 --> 0:02:31.280 fantastic year and I think that it's because of how 0:02:31.360 --> 0:02:36.960 I approached looking at retirement that it wasn't something that 0:02:37.080 --> 0:02:42.240 was ending. It's a beginning. It's a new adventure that 0:02:42.320 --> 0:02:45.480 I'm embarking on. I look at it as hey, I'm 0:02:45.520 --> 0:02:48.079 in my third act. You've got this one ride around 0:02:48.080 --> 0:02:51.200 the sun, and let's go what are we going to 0:02:51.240 --> 0:02:51.680 do with it? 0:02:52.680 --> 0:02:53.080 Sterlinge. 0:02:53.160 --> 0:02:55.200 Let's be honest, we're all in the back night well, 0:02:55.400 --> 0:02:57.880 and in this group, we're all in the back nine year. 0:02:58.240 --> 0:02:59.720 So I don't like the way that sounds at all. 0:03:01.200 --> 0:03:04.119 Back nine well, at least in the mid fifties, that's 0:03:04.160 --> 0:03:05.440 your back nine run. 0:03:05.520 --> 0:03:07.720 The like what would we call it? The door I'm 0:03:07.760 --> 0:03:10.239 not going to get a likelihood of hitting one hundreds rare, 0:03:10.280 --> 0:03:16.120 is what you're saying. Well, yeah, that's exactly what I'm das. 0:03:16.160 --> 0:03:17.160 Probably not helping me. 0:03:17.280 --> 0:03:19.200 You're right, Nate, I want you to I want you 0:03:19.280 --> 0:03:21.680 to jump in here because I know you're passionate about it. 0:03:22.000 --> 0:03:25.200 What is the first thing people should know if they're 0:03:25.280 --> 0:03:28.920 thinking about retiring or maybe what do you wish you 0:03:29.000 --> 0:03:32.240 knew before you went on this journey of retirement? Because 0:03:32.280 --> 0:03:35.240 there are people that are very afraid to retire. There's 0:03:35.280 --> 0:03:37.720 a lot of fear around it, and there's also people 0:03:37.760 --> 0:03:41.280 that can't absolutely can't wait for the day to retire. 0:03:42.320 --> 0:03:44.000 Well, for the record, I was in the category you 0:03:44.240 --> 0:03:47.120 cannot wait for retirement. Okay, I was built for retirement, 0:03:47.280 --> 0:03:48.760 is what I told people when they ask me. 0:03:49.040 --> 0:03:50.560 Is it because of your profession? 0:03:50.680 --> 0:03:54.440 Because it's so stressful, I'm guessing because you're a former 0:03:54.480 --> 0:03:55.800 Cincinnati police officer. 0:03:56.000 --> 0:03:59.640 I think there's yeah, some of that is definitely packaged 0:03:59.640 --> 0:04:02.680 in there. I think we all have stressors in our profession. 0:04:03.040 --> 0:04:05.560 I don't think that first responders are unique to that, 0:04:06.280 --> 0:04:09.000 so I would like to acknowledge that that everybody has 0:04:09.040 --> 0:04:10.120 that in their profession. 0:04:10.240 --> 0:04:11.440 So I don't know. 0:04:11.560 --> 0:04:15.960 I feel like, somewhere along the line, as it was 0:04:16.000 --> 0:04:17.960 clear what was going to happen I was going to retire, 0:04:18.520 --> 0:04:22.599 I challenged myself to reset mentally and start trying to 0:04:22.600 --> 0:04:25.000 wrap my mind around that and kind of figure out 0:04:25.120 --> 0:04:29.360 how that's going to look for me. And yeah, so 0:04:29.400 --> 0:04:31.800 I felt like I paid that path. I was the 0:04:31.800 --> 0:04:33.960 first one of my friend group to retire. And so 0:04:34.040 --> 0:04:36.440 now I'm looking back at my friends and kind of 0:04:36.440 --> 0:04:38.720 trying to give them some ideas about what it looked 0:04:38.720 --> 0:04:40.640 like for me and the trip. The trip wires that 0:04:40.680 --> 0:04:43.800 I stumbled across and things that were different and difficult 0:04:43.839 --> 0:04:46.320 for me and try to you know, help it, I guess, 0:04:46.360 --> 0:04:47.960 flatten the curve for them and get them in a 0:04:48.000 --> 0:04:51.679 better place earlier, probably before you retire. It would be awesome. 0:04:51.920 --> 0:04:54.320 Rather than get in that better place after you retire. 0:04:55.480 --> 0:04:58.440 Let's not sacrifice seven, eight, nine, ten years of our 0:04:58.480 --> 0:05:00.880 life as we approached retire and wait to get to 0:05:00.920 --> 0:05:04.840 retirement to have you know, that that mental change and 0:05:05.279 --> 0:05:08.360 really reset, so to speak. And that's that's what I'm 0:05:08.400 --> 0:05:10.520 very passionate about. I've got a couple of friends that 0:05:10.600 --> 0:05:13.880 are approaching retirement. One that thinks he's retired but isn't. 0:05:15.440 --> 0:05:18.120 Dear my one of my best friends in the world, 0:05:18.200 --> 0:05:20.760 my younger brother, he's getting ready to retire and just 0:05:20.800 --> 0:05:23.440 trying to you know, like to pass on things to 0:05:23.480 --> 0:05:25.000 make it easier for them and get them into a 0:05:25.000 --> 0:05:27.919 place where I'm at now two years after I retired, 0:05:28.240 --> 0:05:29.680 before they retire earlier. 0:05:30.120 --> 0:05:33.919 So the what I witnessed from other people is not 0:05:34.120 --> 0:05:40.760 having a purpose or a reason and seemingly stressful and 0:05:40.800 --> 0:05:44.000 maybe even depressing in some cases once they've gotten to 0:05:44.000 --> 0:05:46.040 the point of where they think they've reached, you know, oh, 0:05:46.200 --> 0:05:48.839 freedom now, and then then they do that trip around 0:05:48.880 --> 0:05:50.719 the you know, the world, They go to Australia wherever 0:05:50.720 --> 0:05:52.240 it is, and they come home and they're like, now, 0:05:52.279 --> 0:05:54.960 what did you have a plan and an idea and 0:05:55.120 --> 0:05:57.320 understanding of what you wanted to do and a purpose 0:05:57.360 --> 0:06:00.919 and a reason? Because that after having aside from the 0:06:00.920 --> 0:06:03.520 stressful nature of the job as a first responder and 0:06:03.520 --> 0:06:07.120 seeing people on their best day rarely often their worst day, 0:06:07.200 --> 0:06:10.640 sometimes that's a lot of carrying a burden for you emotionally. 0:06:10.640 --> 0:06:12.320 A lot of times it's hard to show that the 0:06:12.360 --> 0:06:15.520 decompressing of that period after has got to be something 0:06:15.560 --> 0:06:18.520 difficult for some I don't know, some people maybe navigated differently. 0:06:18.760 --> 0:06:21.080 But how did you figure that out? Or have you 0:06:21.120 --> 0:06:23.440 figured it out? Aside from the fact that your buddies 0:06:23.480 --> 0:06:25.479 are now watching you as you're saying, trying to help 0:06:25.520 --> 0:06:30.080 them walk to it, Wow, you're pushing all the buttons tonight. Yeah, 0:06:30.120 --> 0:06:36.160 so welcome to my Yeah. 0:06:36.200 --> 0:06:39.640 So you know, I felt like in my prime of 0:06:39.720 --> 0:06:42.800 my career, I was probably handling the stress. There's stressors 0:06:42.800 --> 0:06:46.560 of law enforcement first responders at a out of a ten, 0:06:46.680 --> 0:06:49.240 ten being perfect like a seven and a half maybe 0:06:49.240 --> 0:06:51.880 an eight. Once I was removed from the job, I 0:06:51.920 --> 0:06:55.120 realized I was probably operating at like a four. Thank goodness, 0:06:55.240 --> 0:06:58.200 my wife is a rock star, and she was just 0:06:59.640 --> 0:07:02.680 you know, dealing with all the bs that I was 0:07:02.960 --> 0:07:07.040 dealing with. You know that came out in short temperedness 0:07:07.040 --> 0:07:11.400 and cynicism and just grumpy and detached from wanting to 0:07:11.440 --> 0:07:13.840 do things. You know, there's still some things that linger. Like, 0:07:14.320 --> 0:07:16.480 you know, I don't ask her to go to her 0:07:17.000 --> 0:07:19.520 place of employment for a Friday air Saturday night. Don't 0:07:19.520 --> 0:07:21.280 ask me to go downtown and hang out on a 0:07:21.280 --> 0:07:23.160 Friday air Saturday night, because that was my office, that's 0:07:23.200 --> 0:07:25.480 where I worked, That's where I did my work. So yeah, 0:07:25.560 --> 0:07:29.640 I feel like, yeah, it took me probably the better 0:07:29.640 --> 0:07:32.400 part of a year to realize that, yeah, I wasn't 0:07:32.440 --> 0:07:35.120 operating at the high level of managing all of that 0:07:35.120 --> 0:07:39.920 that I thought I was. And going back to the 0:07:39.960 --> 0:07:42.520 conversation just a few minutes ago, I want that to 0:07:42.560 --> 0:07:45.240 be different for the people that I care about. One 0:07:45.280 --> 0:07:47.600 of my good friends, my one of my my probably 0:07:47.640 --> 0:07:50.320 my best friend, my brother and my other brothers getting 0:07:50.320 --> 0:07:52.000 ready to retire, to two of my best friends, and 0:07:52.040 --> 0:07:53.920 so I just wanted to be different for them, and 0:07:53.920 --> 0:07:56.040 that's kind of how do I do that? Well, hopefully 0:07:56.080 --> 0:07:57.600 you guys got some answers about that tonight. 0:07:57.640 --> 0:07:58.240 A lot time. 0:07:58.320 --> 0:08:01.480 We're talking about it right now, Dona d was Sterling 0:08:02.000 --> 0:08:06.400 talking to Nate Young, retired Cincinnati police officer, my buddy 0:08:06.440 --> 0:08:09.560 Lisa of thirty years. We're talking about retirement because this 0:08:09.640 --> 0:08:11.400 is coming up a lot, a lot for me, A 0:08:11.440 --> 0:08:13.360 lot of my friends are doing it. Lisa is one 0:08:13.400 --> 0:08:16.680 of them who just retired. I think you haven't even 0:08:16.680 --> 0:08:19.200 been a year, has it, Lisa? No, it's just the 0:08:19.200 --> 0:08:19.960 beginning of March. 0:08:20.120 --> 0:08:22.760 The beginning of March. So it's been a journey. Yeah, 0:08:22.880 --> 0:08:24.679 nine ten months, it has been a journey. 0:08:25.280 --> 0:08:28.360 Three five one, three seven, four nine seven one, eight hundred, 0:08:28.360 --> 0:08:28.760 the big one. 0:08:28.800 --> 0:08:31.120 Have you been thinking about retiring? 0:08:31.520 --> 0:08:35.720 What is the scariest thing about retiring for you? 0:08:36.080 --> 0:08:37.439 For me, I'm like. 0:08:37.440 --> 0:08:40.959 Willie Nelson, who's still on the road at ninety two, right. 0:08:40.920 --> 0:08:42.760 He's like, what do I have to retire from? 0:08:43.000 --> 0:08:45.720 I'm playing music with my friends, I'm going out and chilling, 0:08:45.800 --> 0:08:49.480 and you know, I'm kind of like, all right, Sterling, we. 0:08:49.000 --> 0:08:52.720 We love our job. Here. It's let's be honest. What 0:08:52.720 --> 0:08:54.480 are we going to drive? It was what they paid 0:08:54.480 --> 0:08:57.240 me for tonight. All right, this is free. It's all 0:08:57.280 --> 0:08:59.800 the preparation for it. Well, and that's the thing. I 0:09:00.160 --> 0:09:02.839 have friends that are getting close to it, and I 0:09:03.280 --> 0:09:06.800 can't imagine not doing this or something like it. And 0:09:06.840 --> 0:09:08.600 there's a lot of different things to be able to 0:09:08.640 --> 0:09:12.280 do in this realm as far as communication or you know, 0:09:12.360 --> 0:09:14.160 I don't know being a creative. I don't know about that. 0:09:14.200 --> 0:09:16.560 This week, Oh you're a creator, I guess I don't 0:09:16.559 --> 0:09:21.079 know what I'm creating really trouble sometimes, But I've seen 0:09:21.120 --> 0:09:23.920 what happens with a couple of my friend's fathers who 0:09:23.920 --> 0:09:27.000 when they retired, they did not have a purpose, and 0:09:27.240 --> 0:09:30.960 you could tell it was brutal on them. I do 0:09:31.000 --> 0:09:33.720 not want to be in that situation where I don't 0:09:33.720 --> 0:09:36.680 have a reason. I don't have a purpose. I you know, 0:09:36.720 --> 0:09:38.599 I talked to me, Oh, I'm bored, and as a 0:09:38.679 --> 0:09:40.559 kid growing up this, well, you have no imagination. How 0:09:40.559 --> 0:09:43.000 can you possibly be bored? I don't want to be bored. 0:09:43.280 --> 0:09:45.520 And I find it difficult to imagine that I'm ever 0:09:45.559 --> 0:09:48.680 going to be in a place where I don't have 0:09:48.840 --> 0:09:51.400 a reason. If I do, then I've done something wrong. 0:09:51.559 --> 0:09:54.480 At least I say that. Now we'll find out, however 0:09:54.520 --> 0:09:57.040 long it takes. Sometimes they retire when you don't want to. 0:09:58.440 --> 0:10:01.000 Lisa, what do you think the hard part is about 0:10:01.000 --> 0:10:04.560 stepping away? I mean, you stopped making the money that 0:10:04.600 --> 0:10:06.760 you were making. You had a pretty good job, and 0:10:07.480 --> 0:10:09.840 you know, the health insurance was a big deal for you. 0:10:09.920 --> 0:10:12.520 We talked about that a lot since March. What do 0:10:12.559 --> 0:10:14.000 you think the biggest thing is? 0:10:15.080 --> 0:10:18.400 You know, the biggest thing is financial, I think, but 0:10:18.520 --> 0:10:20.800 you can prepare for that. And I will say this, 0:10:21.280 --> 0:10:23.840 like in my early fifties, you've heard this story, Donna, 0:10:24.600 --> 0:10:26.920 the CPA that I was working with at the time 0:10:27.040 --> 0:10:30.160 is the one that really changed my life and said, 0:10:30.200 --> 0:10:32.440 what the heck are you doing? You're traveling, you're working 0:10:32.520 --> 0:10:34.600 all these different places. You got a home here, you've 0:10:34.600 --> 0:10:36.560 got a home there. You know, what are you doing? 0:10:37.360 --> 0:10:39.680 You know what's your plan? I'm like, well, I guess 0:10:39.679 --> 0:10:43.480 I don't really have one. And when I put that 0:10:43.520 --> 0:10:48.760 plan in place financially, by the time I arrived at retirement, 0:10:49.160 --> 0:10:51.480 I was prepared for it and it gave me the 0:10:51.520 --> 0:10:54.120 freedom to make the choices that I wanted to make. 0:10:54.960 --> 0:10:58.720 And as far as like sterling, what you were talking about, 0:10:58.760 --> 0:11:00.960 like what am I going to do to have a purpose? 0:11:01.920 --> 0:11:04.200 I left knowing that there's going to be something else 0:11:04.320 --> 0:11:04.800 out there. 0:11:05.120 --> 0:11:05.880 You know. I had an. 0:11:05.800 --> 0:11:07.920 Idea of what the day to day because to your point, 0:11:08.320 --> 0:11:10.760 you're not always traveling the world. You got to come 0:11:10.800 --> 0:11:13.000 home at some point and then what does your day 0:11:13.040 --> 0:11:13.400 look like. 0:11:13.760 --> 0:11:15.960 I actually thought that's what you were going to say. 0:11:16.000 --> 0:11:17.520 That's why I asked you that question. 0:11:17.640 --> 0:11:19.760 I thought it was going to be not having a purpose, 0:11:19.840 --> 0:11:22.800 because that would be mine. That would be the hardest 0:11:22.800 --> 0:11:25.480 thing for me to retire, would be not having a purpose. 0:11:25.720 --> 0:11:28.080 Yeah, well, I guess I've always known in the back 0:11:28.080 --> 0:11:30.080 of my mind that I was going to go on 0:11:30.200 --> 0:11:31.960 to do something else. And that's why I call it 0:11:32.000 --> 0:11:35.320 the third act. I'm not retired. I'm just going on 0:11:35.360 --> 0:11:38.160 to the next thing. I'm retired from the corporate world, 0:11:38.280 --> 0:11:42.319 right and that high pressure sales quota hanging over my head. 0:11:42.559 --> 0:11:45.520 It's been nice to have some relief from that. I mean, 0:11:45.559 --> 0:11:48.040 I love my mornings now when I go get that 0:11:48.200 --> 0:11:51.960 cup of coffee, my espresso, I'm like just chilling with 0:11:52.000 --> 0:11:54.240 my dog. I go for a walk, and I'm like, 0:11:54.600 --> 0:11:57.160 all those other suckers are out there trying to make 0:11:57.160 --> 0:11:58.040 their number. 0:11:58.080 --> 0:12:00.600 But I please, I don't have time to talk. I 0:12:00.640 --> 0:12:05.480 have four zooms. Today. She's like whatever, i'ven't seen her. 0:12:06.280 --> 0:12:07.720 She's been wild and free. 0:12:08.080 --> 0:12:11.240 Tell me about the first morning after retirement. 0:12:11.280 --> 0:12:12.360 What was that like? 0:12:12.840 --> 0:12:15.920 Well, your twin gave me a coffee mug that said 0:12:15.960 --> 0:12:18.680 retirement on it and it said I can do. The 0:12:18.760 --> 0:12:22.680 checklist was I can do whatever the hell I want. 0:12:24.679 --> 0:12:27.200 Boom, And that was the start of my day. 0:12:27.559 --> 0:12:30.480 I think I probably sent you guys photos with everything 0:12:30.480 --> 0:12:33.040 that I was doing that day that had nothing. 0:12:32.760 --> 0:12:36.000 To do with work. Probably took a walk, I mean 0:12:36.080 --> 0:12:39.200 the relief. Actually, you know what, I packed up my car. 0:12:39.280 --> 0:12:40.480 That's right. I forgot about this. 0:12:40.559 --> 0:12:42.920 I packed up my car and I went to visit 0:12:42.920 --> 0:12:46.160 my friends in Tampa for about three weeks and stayed 0:12:46.200 --> 0:12:49.679 in a condo, you know, walked along the beach, walked 0:12:49.720 --> 0:12:53.080 along the bay, visited with friends and kind of checked out. 0:12:53.800 --> 0:12:55.480 I was ready to come back because I had all 0:12:55.559 --> 0:12:57.720 kinds of projects, you know, that I wanted to do 0:12:57.800 --> 0:13:01.200 around the house and that kind of thing, and was 0:13:01.240 --> 0:13:02.280 looking forward to that. 0:13:03.720 --> 0:13:06.520 But I'm loving having the space. I'm reading. 0:13:07.080 --> 0:13:10.920 I got out my watercolors. I attempted guitar. I nea 0:13:11.040 --> 0:13:15.680 Donna to help me with that. Oh and I bought 0:13:15.720 --> 0:13:16.480 the turntable. 0:13:16.679 --> 0:13:19.280 That's right, she's a new DJ. She's the old DJ. 0:13:19.520 --> 0:13:22.640 We used to be sterling with two turntables and a microphone. 0:13:22.920 --> 0:13:25.440 Yeah really, yeah, yeah kidding. 0:13:25.520 --> 0:13:28.800 I'm so excited about it, trying all these vintage albums, 0:13:28.880 --> 0:13:31.640 and you know, all of a sudden, when you have space, 0:13:32.080 --> 0:13:36.240 the creativity creeps in and the ideas creep in, and 0:13:36.600 --> 0:13:40.480 I would say this, you really want to check it 0:13:40.520 --> 0:13:42.920 all out, you know, and then you figure out where 0:13:42.960 --> 0:13:45.240 you're going to land. So I've just created that space 0:13:45.240 --> 0:13:50.760 for myself to have the adventure and know what it's 0:13:50.800 --> 0:13:52.480 going to look like, you know, figure out what it's 0:13:52.480 --> 0:13:54.760 going to look like. It's kind of calming. It's forming 0:13:55.120 --> 0:13:57.480 right now as far as what's going to happen in 0:13:57.520 --> 0:13:58.400 twenty twenty six. 0:13:58.800 --> 0:14:02.520 And what's interesting is that our parents and the generations 0:14:02.559 --> 0:14:06.160 before them, it was usually one act and that the career, 0:14:06.320 --> 0:14:08.400 and then we didn't live as long, we did not 0:14:08.440 --> 0:14:10.680 live as well, and we had a different view. And 0:14:10.720 --> 0:14:13.160 now people our age and younger, it's two or three 0:14:13.400 --> 0:14:16.839 different careers. Like you say, the next thing, a third 0:14:16.880 --> 0:14:20.120 act is what you said to Nate. And the fact is, 0:14:20.160 --> 0:14:22.840 you know, you may do a couple of part time 0:14:22.880 --> 0:14:24.800 things that end up being a full thing. You follow 0:14:24.840 --> 0:14:26.560 your passion or whatever it is. You know, you want 0:14:26.600 --> 0:14:28.560 to get that money first, whatever. You know, Hopefully you 0:14:28.600 --> 0:14:30.520 wake up and want to go. You want to you know, 0:14:30.680 --> 0:14:33.320 stay there when you're there, and hopefully you're not leaving going. 0:14:33.360 --> 0:14:35.200 I never want to go back to that crab hole 0:14:35.240 --> 0:14:39.200 again or whatever. Right, But multiple acts and living longer, 0:14:39.400 --> 0:14:41.280 and I think that's really the trick. I mean, And 0:14:41.320 --> 0:14:43.400 it sounds like you're enjoying it, Nate. You two, I mean, 0:14:43.440 --> 0:14:45.120 early on in it or otherwise. I mean, you both 0:14:45.160 --> 0:14:46.880 look happy and when you're talking about it, your eyes 0:14:46.960 --> 0:14:48.160 light up, your face is champing. 0:14:48.280 --> 0:14:48.480 Both. 0:14:49.120 --> 0:14:52.360 Yeah, And that's an amazing thing to see because I mean, 0:14:52.400 --> 0:14:54.720 you can't hide that. You can fake a lot of things. 0:14:54.760 --> 0:14:57.480 You can fake intimidation, you can fake confidence. But the 0:14:57.520 --> 0:14:59.440 happiness and the glean in the eye when you start 0:14:59.440 --> 0:15:02.840 talking about that freedom, that's not faking. You can't do that, 0:15:02.880 --> 0:15:04.520 I don't think, or if you can, you're way better 0:15:04.560 --> 0:15:05.600 than I No. 0:15:05.800 --> 0:15:09.400 Uh, yeah, I just it's it's it's been awesome. It's 0:15:09.440 --> 0:15:12.080 just been awesome. I you know, there's a few things 0:15:12.120 --> 0:15:14.320 that come to mind. When Lisa was talking and we 0:15:14.840 --> 0:15:18.160 had had a conversation about Uh, when I got on 0:15:18.160 --> 0:15:21.400 the Cincinative Police Department, I knew that was my that 0:15:21.480 --> 0:15:23.040 was where I was going to retire from. That's just 0:15:23.280 --> 0:15:25.240 your calling. Yeah, I just I don't know if it's 0:15:25.440 --> 0:15:26.680 I just knew it was going to be. Well, I 0:15:26.680 --> 0:15:28.880 was going to retire from these young kids. Now they're 0:15:29.560 --> 0:15:31.160 We're not. I'm not going to make retirement with this 0:15:31.280 --> 0:15:33.600 at this job. I'm going to do something different. I'm like, well, well, 0:15:33.720 --> 0:15:35.440 where do you go with that kind of experience? Where 0:15:35.440 --> 0:15:39.240 does that parlay into the professional work or whatever. So, yeah, 0:15:39.240 --> 0:15:41.320 it's just to your point, it seems that there's a 0:15:41.600 --> 0:15:45.200 people are moving on to various acts throughout their professional career, 0:15:45.600 --> 0:15:47.480 and that kind of is the trend versus when we 0:15:47.520 --> 0:15:49.320 started where we started, That's where we ended for the 0:15:49.320 --> 0:15:49.880 most part. 0:15:49.720 --> 0:15:51.280 Right, I like looking at it that way. 0:15:51.360 --> 0:15:54.080 The third act, when we get back, I do want 0:15:54.080 --> 0:15:56.880 to ask you the hardest part about you stepping away, 0:15:56.880 --> 0:15:58.120 because I want to know what that is. 0:15:58.200 --> 0:15:58.400 Nate. 0:15:58.520 --> 0:16:01.040 Plus, we're going to get into the city gritty on 0:16:01.200 --> 0:16:02.480 how much money. 0:16:03.840 --> 0:16:06.040 Does it take to retire? 0:16:06.200 --> 0:16:09.000 We are going to talk about that five one, three, seven, four, nine, 0:16:09.080 --> 0:16:11.560 seven thousand. If you want to weigh in and talk 0:16:11.600 --> 0:16:14.560 about the scariest thing about retirement for you, or if 0:16:14.600 --> 0:16:17.560 you have any questions for Nate and Lisa's Donna D 0:16:17.760 --> 0:16:22.200 Saturday Night with Sterling, my partner. On this winter blistery, 0:16:22.320 --> 0:16:26.120 cold Cincinnati night, We're going to get news and weather 0:16:26.200 --> 0:16:28.040 coming up and hopefully the snow will stop. 0:16:28.160 --> 0:16:31.240 Don A D seven hundred WLW Cincinnati. 0:16:33.040 --> 0:16:37.000 Welcome back Donna D along with my co host Sterling. 0:16:37.120 --> 0:16:39.960 Normally this is that little crazy show I do on 0:16:40.040 --> 0:16:44.640 Saturday nights about relationship. Sterling, I wanted you to stay, 0:16:44.920 --> 0:16:47.560 not only because you can't get home, but because you're 0:16:47.560 --> 0:16:47.960 forced to. 0:16:47.960 --> 0:16:49.800 Hang out with me on this snowy and if we 0:16:49.880 --> 0:16:51.880 have to walk to us. You make it sound that 0:16:51.960 --> 0:16:55.240 this is not a like a combative. That is combative 0:16:55.240 --> 0:16:58.800 and not like something we appreciate each other's work. 0:16:58.840 --> 0:17:01.520 Again, no, I do in our fourth hour on air 0:17:01.640 --> 0:17:04.000 to long time, I Love you, Love You. 0:17:04.440 --> 0:17:09.080 We also have my buddy for thirty years, Lisa Reikert, 0:17:09.160 --> 0:17:11.560 who we're talking about retirement. This is kind of a 0:17:11.600 --> 0:17:15.800 subject that's been appearing in my life for a long time. 0:17:15.840 --> 0:17:18.879 And it's not only uh. It takes a toll. 0:17:18.760 --> 0:17:24.399 On on on people around you because you change, Lisa, 0:17:24.680 --> 0:17:28.280 when you make the decision to retire, a lot of 0:17:28.359 --> 0:17:30.560 things change in your life. 0:17:30.600 --> 0:17:32.040 What would you say is the biggest? 0:17:32.080 --> 0:17:34.520 And Nate, I want to get to you right after this, 0:17:34.640 --> 0:17:37.200 but what is the biggest thing that changes when you 0:17:37.320 --> 0:17:40.240 decide it's your time to step away? 0:17:40.760 --> 0:17:44.000 Oh geez, you didn't prepare me for this one. I didn't. 0:17:44.040 --> 0:17:45.639 I was going to go right to Nate, and then 0:17:45.680 --> 0:17:48.159 I started talking to you, like for you don't have 0:17:48.240 --> 0:17:49.560 a glass of wine. 0:17:53.400 --> 0:17:56.080 You know, I guess I would say that you don't 0:17:56.119 --> 0:17:57.720 know all the answers you. 0:17:58.000 --> 0:17:58.399 It's like. 0:18:00.400 --> 0:18:02.159 You asked me the hardest part, and I think the 0:18:02.200 --> 0:18:05.320 hardest part is financial. But the biggest thing that happened 0:18:06.200 --> 0:18:08.680 was that I realized I stepped out of the boat 0:18:08.720 --> 0:18:11.280 in the middle of the ocean and I wasn't standing 0:18:11.359 --> 0:18:15.400 on anything, you know, I'm just out here floating, going, oh, okay, 0:18:15.560 --> 0:18:18.920 what is next? But I did that on purpose because 0:18:19.359 --> 0:18:22.320 I wanted to give myself the space to figure out 0:18:22.480 --> 0:18:25.280 what was coming. I had some ideas of what it 0:18:25.320 --> 0:18:27.239 could look like, but I didn't want to be one 0:18:27.280 --> 0:18:30.959 hundred percent. You and I talk about Stephen Bartlett all 0:18:31.000 --> 0:18:34.120 the time in the fifty one percent rule, and it's 0:18:34.200 --> 0:18:36.800 never going to be one hundred percent. When you are 0:18:36.960 --> 0:18:40.679 fifty one percent sure that you're there, you've got to 0:18:40.800 --> 0:18:43.840 take steps in the direction to start getting answers. The 0:18:43.920 --> 0:18:49.040 knowledge comes when you start moving towards something. And I 0:18:49.119 --> 0:18:51.840 knew that I was okay financially to be able to 0:18:51.880 --> 0:18:54.080 take the plunge, and I knew I had an idea 0:18:54.080 --> 0:18:57.520 of what each day could look like, but I was 0:18:57.560 --> 0:19:00.840 okay with not knowing exactly for sure. 0:19:01.480 --> 0:19:05.840 And so it's fun almost. It's fun, is throwing what's 0:19:05.880 --> 0:19:06.840 coming up next? 0:19:06.960 --> 0:19:07.400 Yeah? 0:19:07.480 --> 0:19:10.680 It is, really, It is very fun. And I surprise 0:19:10.800 --> 0:19:16.200 myself about how when you talk about change, I feel 0:19:16.200 --> 0:19:19.960 like I grew in ways that were just really unexpected 0:19:21.800 --> 0:19:27.720