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Tom Pendergast's avatar

I really enjoyed that video, more so now that I've "exited" Phase 2 and am actively thrashing around in Phase 3. In my experience, his phases are spot on.

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Mmerikani (Swahili & English)'s avatar

Dear Yi Xue. Thank you for your Substack! I had not thought what retirement planning might be from an immigrant's/newer-generation American viewpoint. I listened to the Dr. Riley TedTalk you recommended--we have some psychological changes to expect! Lol.

I am not yet in the unpaid phase of life, but have been planning for it and feel happy and excited about what I might be able contribute to the world once I have a free schedule. Is that Phase Four? Lol. May we both find our calling. Best wishes!

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