He advocates for automating savings and investments because it allows people to adjust their lifestyle to live without the money they are setting aside.

“In my experience, over 90% of people who automate their investments do not miss that money after 3 months. And you are not an exception.”

Traditional retirement is an overrated concept because humans are inherently wired to contribute their talents through work until the end of their lives.

“I think it's overrated I think it's bad for your health physically and mentally that's the data it's not my opinion what I would say is I'm okay with you downshifting”

He suggests that retirees should be wary of over-optimizing through strategies like Roth conversions as a way to avoid the stress of retirement transitions.

“I find that a lot of people especially within our community, our way of dealing with stress and anxiety is actually going deeper into the spreadsheet, adding a few more sheets to our spreadsheet of our analysis. And I will say that optimization can actually be a form of procrastination.”