They’ve done the hard part — worked, saved, and built a sizeable nest egg. So why are so many retirees paralysed when it comes to spending their own money?

In this episode of Juggling Mind & Money, Steve and Jess dive into the strange reality of retirement underspending — where even millionaires struggle to loosen the purse strings. It’s not about maths; it’s about mindset.

We explore the psychological blocks that stop people enjoying what they’ve earned:

- fear of running out,

- guilt around indulgence,

- and the deep identity built around saving, not spending.

Steve shares how financial planning can create “permission to spend” through smart strategies like simulated income and stress testing, while Jess explains why no amount of money calms anxiety if the brain still thinks it’s broke.

Whether you’re approaching retirement or advising someone who is, this episode is your guide to turning wealth into well-being — before it’s too late to enjoy it.

Is retirement a recipe for relaxation—or social isolation?

In this episode of Juggling Mind and Money, Steve and Jess dive into the less talked about side of retirement: losing the social buzz that comes with the 9-to-5.

From awkward silences to watercooler withdrawals, we explore why making friends as an adult is harder than it sounds—and what you can actually do about it. Plus, how money plays a role in staying connected and why a solid financial plan might just buy you more than security… it could buy you happiness (or at least some decent company).

Expect wit, wisdom, and a few confessions about lonely weeks and dodgy TV habits.

Whether you’re nearing retirement, already there, or just curious about what’s beyond the payslip, this one’s for you.

You’ve clocked out for the last time, said goodbye to spreadsheets and staff meetings… but now what? In this episode of Juggling Mind & Money, Steve and Jess unpack the surprisingly tricky reality of retirement – and the sneaky sense of purposelessness that can creep in when the calendar’s wide open.

Steve shares his own post-retirement slump, while Jess diagnoses the deeper issue: a lack of purpose. Together, they explore how meaning—not money—is often the real currency of a happy retirement.

Expect laughs, lightbulb moments, and practical ideas that go beyond “just keep busy” — from mentoring your dog (yes, really) to planning a pilgrimage to every pub older than 200 years. If you’re approaching retirement or already in it and wondering “Is this it?”, this one’s for you.