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Don't Retire...Graduate!

Don't Retire...Graduate!

Auteur(s): Eric Brotman
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Don’t Retire… Graduate! is the podcast that invites you to rethink what retirement really means. Hosted by Certified Financial Planner Practitioner Eric Brotman, we’re here to guide you in transforming the traditional concept of retirement into an exciting and enriching graduation—a time to embark on new adventures, embrace lifelong passions, and define what success and happiness look like in this new chapter of life. Retirement isn’t just about stepping away from a career; it’s about stepping into a life filled with purpose, joy, and fulfillment. Whether you're on the brink of retirement or just starting to think about it, this podcast will help you discover what it takes to not just survive, but thrive in your post-career years. We’ll explore how to live a fun, productive, and meaningful life by setting new goals, pursuing passions that light you up, and building a legacy that truly reflects who you are. Each episode features in-depth conversations with a diverse range of guests—from award-winning authors and financial experts to influencers and everyday people with remarkable money stories. Together, we’ll uncover strategies for reaching financial independence, managing your wealth, and making informed decisions that support your dreams. You’ll learn practical tips on everything from saving money and paying down debt to raising financially literate children and growing your wealth at any age. From personal finance and investing to retirement readiness, taxes, and more, we’re here to provide the knowledge and tools you need to confidently step into this exciting new phase of life. Topics include everything from budgeting, credit, and debt to health savings accounts, insurance, social security, the FIRE movement, and the latest in fintech and finance apps. But we don’t stop at finances. Don’t Retire… Graduate! also dives deep into the emotional and psychological aspects of retirement. We’ll discuss how to maintain your mental and physical health, nurture relationships, and stay connected to your community. You’ll gain insights on how to design a lifestyle that keeps you engaged, curious, and excited about the future. Our mission is to help you figure out what you want to be when you grow up—even if you’re already grown. We believe that work should become optional, not just because you've reached a certain age, but because you’ve achieved the freedom to choose how you spend your time and energy. Whether it’s volunteering, starting a new hobby, traveling the world, or launching a second career, this podcast is your guide to creating a retirement that’s anything but retiring. In addition to full episodes, we offer bonus content every other week where you get to meet the team of financial advisors at BFG Financial Advisors and hear their real stories from the frontlines of financial planning. Retirement is not the absence of work, but the absence of needing to work. So why not graduate into a life of purpose, passion, and financial freedom? Tune in to Don’t Retire… Graduate! and let’s make your retirement the best years of your life.All Rights Reserved 2022-25 Finances personnelles Économie
Épisodes
  • Healing Through Art: How Dr. Vasu Tolia Transformed Her Life and Career
    Jun 26 2025

    Welcome back to Don’t Retire… Graduate! Today’s episode is one that speaks directly to the heart of reinvention and the pursuit of passion long after the first chapter of your career has closed. I’m thrilled to welcome Dr. Vasu Tolia as my guest—a remarkable individual whose journey from a tenured professor of pediatrics at Wayne State University to a celebrated visual artist in Michigan encapsulates the very essence of what it means to “graduate” into your next act with purpose and joy.

    Vasu’s story is extraordinary. After reaching the apex of her medical career as a physician, educator, and researcher, she faced pivotal crossroads that led her to reevaluate what truly brought fulfillment and happiness into her life. Rather than simply settling or succumbing to burnout, she took the courageous step of exploring entirely new creative avenues. From private practice to art lessons at a local center, what began as tentative experimentation evolved into a full-fledged artistic pursuit that now includes exhibitions, national accolades, and a focus on art’s potential to heal—both herself and others.

    In this episode, Vasu and I discuss what it really takes to make a major life and career pivot—especially after achieving success in a field that most would find hard to walk away from. We delve into the role of family support, rediscovering latent passions, and how her medical background continues to inform and inspire her works of art. Vasu shares how art became a therapeutic outlet during trying times, including the onset of the COVID pandemic, and how her pieces have even been recognized by national publications and the CDC. We touch upon the evolving fields of art therapy and neuroarts, and how creativity—in all its forms—can serve as an indispensable tool for emotional well-being and personal reinvention at any stage of life.

    5 Key Takeaways:

    1. Reinvention is Possible at Any Age or Career Stage: Vasu’s journey from medicine to art illustrates that it is never too late to follow your creative instincts, pursue new passions, or find fulfillment in unexpected places.
    2. The Importance of Family and Community Support: Family played a crucial role in supporting Vasu’s pivot, reminding her that success is not always measured financially but through personal fulfillment and impact.
    3. Art as Therapy and Healing: Creating and viewing art can serve as powerful emotional outlets—helping to process change, relieve stress, and provide solace during challenging times, as evidenced by Vasu’s work during the COVID-19 pandemic.
    4. Your Identity is More Than a Job Title: We discussed the tendency to conflate who we are with what we do, and how embracing all facets of ourselves—including new talents and interests—can lead to a more authentic and rewarding sense of self.
    5. Bringing Purpose to the Next Chapter: Rather than simply retiring, Vasu is committed to spreading a message of healing and empowering others through art and creativity, seeing this as her next legacy.

    Join us as we explore how embracing change, creativity, and self-discovery can lead to a vibrant, impactful life—no matter when you start. Don’t forget to subscribe, rate, and share this episode with anyone who might need a little encouragement to chase a new dream or reinvent themselves with purpose and passion!

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    30 min
  • The Realities of Becoming a Financial Advisor: Career Lessons from Cody Niedermeier
    Jun 19 2025
    Welcome back to Don’t Retire… Graduate! In today’s episode, we’re pulling back the curtain on what it means to grow—personally and professionally—within the world of financial advising. I’m joined by Cody Niedermeier, who returns for his second visit to our “Diary of a Financial Advisor” segment. Cody’s journey is one for the books: he began his career at BFG Financial Advisors in investment operations back in 2019, transitioned to the advisory team by 2020, became an advisor in 2023, and recently took the bold step of becoming a shareholder in 2025. Cody’s passion for guiding individuals and families through all stages of life shines through, both in his commitment to financial planning and his role as a leader. A proud graduate of the University of Maryland and former captain of the soccer team, Cody brings both team spirit and perseverance to his professional journey. In our discussion, we explore what it takes to go from an entry-level role to company ownership—and the crucial decisions, sacrifices, and mindset shifts required along the way. In our conversation, Cody shares the reality of apprenticeship and gradual career growth, contrasting it with the allure of instant gratification so common in today’s workforce. We talk candidly about the financial and emotional considerations of becoming a company shareholder—“it's a mortgage,” as Cody puts it—and the support and tough love provided by those closest to us during major decisions. Cody opens up about the added responsibilities and pressures that come with being a leader and owner, the importance of mentoring others, and the privilege of helping both colleagues and clients achieve their goals. We also touch on industry trends—such as the push for rapid growth and private equity buyouts—and why we believe in cultivating a firm with a close-knit culture and opportunities for meaningful, long-term advancement. Finally, Cody offers advice for recent grads and young professionals navigating their first job offers, including the importance of culture fit, patience, and seeking guidance from trusted friends and family. 5 Key Takeaways:
    1. Apprenticeship Matters: Cody’s journey from investment operations to advisor and eventually shareholder underscores the value of learning the business from the ground up, even when it means being patient and resisting the urge for immediate advancement.
    2. Ownership Is a Big Commitment: Becoming a shareholder in a financial advisory firm is a major undertaking—financially and personally. It requires careful deliberation, family discussions, and a firm belief in the firm’s mission.
    3. Leadership Beyond Management: Moving into ownership is not just about management; it’s about genuine leadership—inspiring others, setting an example, and mentoring the next generation of advisors.
    4. The “Tortoise and the Hare” Career Path: Choosing the slower, steadier growth path—one that offers room for advancement and aligns with personal values—can yield far greater long-term rewards than chasing the quick buck.
    5. Find Your Fit & Use Your Network: Cody emphasizes the importance of finding the right cultural fit in a workplace, using your network, and seeking advice from loved ones, rather than accepting the first appealing offer that comes along.

    Join us as we dive into the real-life experiences and lessons learned on the path from entry-level to ownership, and the importance of pursuing a career—and a workplace—that supports your growth, your values, and your financial dreams. Don’t forget to subscribe, rate, and share this episode with others who are ready to graduate into their next chapter—one step, and one decision, at a time! [embed]https://youtu.be/PAq4Uyu19UU[/embed] Learn more about Cody here!
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    15 min
  • Breaking Financial Trauma and Building Abundance with Alejandra Rojas
    Jun 12 2025
    Welcome back to Don’t Retire… Graduate! In this episode, we’re diving deep into the intersection of money, mindset, and healing from financial trauma. I’m thrilled to be joined by Alejandra Rojas, an entrepreneur, writer, and founder of the Brown Way to Money platform. As a financial mentor and the host of the Brown Way to Money podcast, Alejandra specializes in helping women—especially women of color—overcome the emotional and psychological barriers that can hold them back from true financial abundance. Alejandra draws from her own story: coming from a finance background with accountant parents, she achieved professional success and a high paycheck but still found herself burned out and battling escalating debt. Her journey led her to uncover the “invisible” forces at play—internalized beliefs, generational experiences, and unhealed trauma around money. She transformed her approach by setting financial boundaries, understanding her triggers, and using practical tools like the snowball method for debt repayment—all while creating a new, more fulfilling lifestyle for herself. Through the Brown Way to Money, she now supports other women of color in not only learning the mechanics of financial health, but also in unraveling the deeper, often overlooked roots of financial anxiety and limitation. In our conversation, Alejandra shares how financial trauma is more than a personal failing—it’s often a legacy, shaped by cultural, gender, and generational barriers. We talk about the pressure to hold on to “good” jobs despite the personal cost, the difficulty of speaking up for what you need, and the unique financial narratives that shape women of color's relationships with money. Alejandra provides insight into actionable steps for healing, crafting out-of-debt plans, and establishing financial independence—not just as a number, but as a state of emotional and mental freedom. She also discusses why traditional financial advice sometimes falls short, and why context matters when creating new paths to wealth and purpose. Here are 5 key takeaways from my conversation with Alejandra Rojas:
    1. Financial Trauma Goes Beyond Numbers: Financial struggles often stem from deep-seated emotional and generational wounds—not just poor habits or lack of information. Understanding your relationship with money is key to breaking free.
    2. Boundaries and Lifestyle Design Are Transformational: You don’t have to quit everything to make substantial change. Small but decisive shifts—like setting boundaries or redefining your social environment—can drastically improve financial and personal health.
    3. The Snowball Method is Not Just Math—It’s Motivation: Alejandra used the snowball method (paying off smallest debts first) as a way to stay motivated and hack her emotional triggers, showing that psychology is as important as strategy in financial recovery.
    4. Financial Independence is More Than a Dollar Figure: True financial independence involves breaking generational patterns, healing inherited beliefs, and gaining mental freedom—not just reaching a certain net worth.
    5. Context and Culture Matter: Alejandra underscores that standard financial advice isn’t one-size-fits-all. Addressing systemic issues, generational trauma, and cultural context is essential for serving women of color and building sustainable financial confidence.

    Join us as we uncover what it really takes to build lasting financial wellbeing—and empower a new generation to graduate into retirement with passion, purpose, and possibility. If Alejandra’s story resonates with you or someone you know, be sure to check out her podcast, Brown Way to Money, and share this episode to inspire others on their journey. Subscribe, rate, and connect with us! Your support helps us bring purposeful conversations to listeners everywhere....
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    33 min

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