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Jewish Money Matters episode 389, minisode Reframing Retirement.

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You're listening to Jewish Money Matters, the podcast

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where Jewish wisdom and spirituality meet your money

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and your business. Money is a means to

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serve God in this world with joy, to

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build a life that leaves an imprint way

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beyond our time in this world.

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I want you to discover the secrets to

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Jewish wealth, to gain practical and spiritual tools

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to break free from the shackles of financial

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worry,

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to design the joyful,

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rich life that your soul desires. Welcome to

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Jewish Money Matters. I'm Yael Trush, and I'm

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so glad you're here. Hey, guys. This is

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Yael. Welcome to Jewish Money Matters. Welcome to

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another minisode. I wanna give you a boost

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of inspiration, of confidence, of trust, of momentum.

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I wanna be with you multiple times a

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week. So here we go. I hope you

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enjoy this minisode.

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You're listening to Jewish Mind Matters. I'm Yeltra,

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your host. Welcome to the show. We're starting

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the week off with a minisode on a

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topic that not too many like to talk

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about, retirement. And I don't blame them. It's

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kind of scary. But we're not getting into

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the weeds of retirement per se today.

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In fact, if you wanna get into the

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weeds of it, I suggest you tune into

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episode 305

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with Emily Guy Birkin. We did an entire

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episode just in retirement tackling

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your questions on the topic or, you know,

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the audience's questions, and you're more than welcome

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to send me more. I'm gonna put the

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link to that episode on the show notes.

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But today, we're zooming out for a few

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minutes and reframing the concept of retirement, this

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idea, something that we probably should do before

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we even start talking about retirement,

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which, like I said, for some for some

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people, it is an anxiety laden topic, then

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we first need to make sure that we're

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very clear

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on the Jewish

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on work and making livelihood as this is

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going to inform how we view and approach

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retirement, hopefully, in a healthier,

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less anxiety inducing way. Take a listen. The

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Jewish view on

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retirement.

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And I guess before I talk about retirement

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per se, we should take a zoom out,

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take a step back, and think about the

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Jewish perspective on work and making a livelihood.

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This is very, very important before we even

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talk about the word retirement. Right? So let's

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do it very, very briefly.

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Society turn turns to look at work

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as a necessary evil, something that we have

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to do because

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we have to make a living. By the

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way, we Jews don't use such a word.

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We there's no such thing as making a

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living. We make a livelihood. We make a

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parnessa. We don't make a living.

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Right? So we understand that

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in Judaism, we understand that every part of

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our life is purposeful,

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including our career.

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Our work and our financial successes

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are much more than necessary evils.

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Right?

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They're

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they're not something that we do because

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they're a means to obtaining,

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a livelihood

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so that then we can do other more

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elevated

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pursuits or achievements.

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No. No. No. No. No. In fact,

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they, in and of itself,

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work

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our.

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It has an inherent value and purpose.

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And by the way, this is irrespective

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of the person's line of work. Okay?

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So we have to we have to understand,

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okay, how do Jews think about work? Okay?

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And and and we we have to remember

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that the ultimate purpose of our

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existence, our being here in this world, is

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to make this world

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into a

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dwelling place for God, a habitable place, this

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physical for the divine, this physical reality transparent

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to

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inner the inner divinity that it holds, right,

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to make the world shine

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with the holiness of Hashem. That's that's our

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mission, and if every every each and every

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one of us does it in an individual

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way. Right? And what is the most profound

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way

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that we do this? It's by engaging in

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the world.

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Yeah? We're when we are part of the

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material,

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and sometimes we can even say crass world,

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like, it is. Right? What are we doing?

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We're able to bring God into this mundane

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reality that seems antithetical to godliness. Right?

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And achieve the peak achievement of a Jew

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which is making a Dhiabit Avrahamim until we

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this is done so so much that we

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achieve Moshiach, right, we get there. Right? We're

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creating a home for God in this world.

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So now,

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we understand even when we look at our

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work

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time or space, if you wanna call it,

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we know that God structured

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our natural reality in a way that actually

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reflects that. Most of our time is spent

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on mundane activities.

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Right? Most of and and even in our

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week, we understand that we work 6 days

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and then we're there's one day that's Shabbos.

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Even our day, we're engaged in Torah study

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and in prayer for a portion of our

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day, and the majority of the day is

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again immersed in this mundane

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activities of being in the world, okay? Why?

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Because again, this is part and parcel of

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what God wants, our purpose in creation,

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okay?

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So that is our approach. Now most people,

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the way they see it is, well, you

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know, they have to work to make a

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livelihood.

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Right?

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It's a means to that end. It doesn't

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have an inherent purpose in and of itself

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the way we look at it, And they

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struck most people will say, well, you know

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what? My whole career trajectory

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is actually formed around

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my retirement plan. Right?

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This point where I can be financially

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secure

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for the rest of my life. Financial secure

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actually should have air quotes here.

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Right?

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For the rest of my life without working,

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and it seemingly makes sense to then, you

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know, retire and enjoy

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life. Go play golf.

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Now, is that the Jewish approach?

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Absolutely not. There is not not

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there isn't such a concept in Judaism.

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We don't retire.

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We don't get to a place where now

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we can stop being productive and we go

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play golf or go travel.

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There's no retirement

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in Judaism.

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Okay?

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Our involvement in the world, our mission to

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perfect the world does not end at 65.

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Yeah? We know that. Right? But sometimes we

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need to hear it. Okay?

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So

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because, again, a person in business, in the

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workspace,

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right,

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their role is to use their position to

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bring holiness, to bring Torah values into the

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workplace, to inspire other people, to be better.

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Right? To provide charity from all that income

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that we're generating. Right?

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Right? So so

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this this has to be very clear. So

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now with that

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framework, right, to understand, like, oh my god

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goodness. If, like,

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working and wealth

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is not

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just about personal

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comfort, but it's actually part and parcel of

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my personal mission of of my mission as

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a Jew and my duty and obligation and

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responsibility. Am I married as a Jew to

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help others to perfect this world? Well, how

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can we retire?

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To retire is like turning our back on

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Hashem's

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God purpose that he gave us. Right? So

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now now that we have that, now we

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can actually delve into the topic of retirement,

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and maybe we can define it a little

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bit better. Right? As a time where

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I'm not gonna stop working,

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but when perhaps,

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you know, it's not that I'm gonna stop

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working, but maybe my productive endeavors

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might shift.

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Some might intensify.

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Right?

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Whereas

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with some others, the degree to which I'm

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involved in them might decrease. Maybe I do

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more pro bono work. Maybe I volunteer more.

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Maybe

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I don't have,

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maybe I take on businesses or communal projects

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that maybe before I didn't have the flexibility

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to to take on. Right? And and I'd

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like to, like, even speak about it already,

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introduce some personal finance

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language to it. We could say that

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in retirement according to our definition, you know,

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there might be

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a reallocation.

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Right? There might be a diversification.

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There might be some rebalancing,

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but withdrawal?

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We're not withdrawing.

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Right?

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A Jew is never doesn't withdraw from his

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productive endeavors till a 120

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or till Moshiach comes and may that

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whichever one comes sooner, but may Moshiach come

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come even earlier. Right? So now let's actually

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get into it. Okay?

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So one of the things I'm gonna say,

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I use these funny words already, like, with

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the personal finance and and lingo, but I'll

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tell you, like, one of the things that

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holds

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us back a lot from understanding this topic

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is that the financial services industry is notorious

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for

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having this language

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barrier, and it can be a little bit

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frustrating. But I wanna tell you right now,

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if you're gonna really

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be an active manager of this resource that

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God is giving you so that you can

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fulfill your mission of perfecting the world and

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making a dwelling place for Hashem in the

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world, right, one of those resources and a

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very important one is money, then you have

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to

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learn the lingo.

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You have to work within the within this

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this paradigm of nature, and don't let it

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stop you. Don't let all the, you know,

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the buzzwords stop you. This is actually not

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rocket science,

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but it's just familiarity.

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Okay? And in general, and I'm gonna make

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a big note towards the end of our

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our talk here today about financial

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planners, financial advisors. Okay? But in general,

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I want you to be sure that if

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people make you feel intimidated,

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then they are not the person you wanna

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work with. Okay? So if somebody's talking to

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you and it's going over your head, and

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it's all this jargon that's coming out that

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you're not getting any clarity,

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and it's it's making you seem like, okay,

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well, they understand better, they know better. Right?

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No. Okay? You wanna work with someone

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who wants you to understand. This is very,

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very important. I'll say something now that I

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say every time I talk about these type

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of personal finance topics. I want to remind

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you that no one, no one is going

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to care more about

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is gonna care more about your money

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than you. No one is gonna care about

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your money more than you do. That's just

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a fact. Okay? And it's important that you

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do care about it because again, it's such

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an important means for you to fulfill your

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purpose in the world as a Jewish person.

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Okay? Thanks for tuning in, everyone. If you

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have a retirement specific question, please send it

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in via email or DM me on Instagram

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or LinkedIn. My email is yael@yaltrush.com.

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I'll be happy to answer it on Friday.

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In the meantime, do take a listen to

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episode 300 and 5, which is all about

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retirement.

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We also have a lot of Ask Ale

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episodes that there's intermingled questions on retirement, but

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that one's pretty specific just on retirement.

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And then another thing is if you think

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you're ready to have these types of deeper

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conversations and wanna have real hand holding and

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coaching as you plan for retirement

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or as you work towards your savings and

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investment goals and even your business growth goals,

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then my Momentum membership might actually be for

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you. We can talk about it. You can

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DM me on Instagram for the application, or

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you can drop me an email with the

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subject line momentum. Yeah. L@yaltrush.com,

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and I'll quickly

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send you the application. And that is, again,

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if you're curious about how to work with

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me in the most high touch way that

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I have available right now, I'll send you

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the details on the application for you to

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see if it's a good fit. And, also,

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concluding the retirement conversation, I would love to

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know

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where you are in terms of retirement. Is

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it something that you're already investing for? Is

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it something that scares you? Are you totally

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ignoring it? Do you wanna learn more? Let

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me know. I'd really love to know. As

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always, DM me on Instagram or LinkedIn or

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email yael@yaltrash.com.

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Have a great day.

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Hey, guys. I hope you enjoyed this minisode.

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Please leave a review on your Apple Podcasts

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app and share a screenshot of your review

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on your Instagram stories and tag me. I'll

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be sure to respond and re share. I

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hope this was uplifting, inspiring, refreshing, and that

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you have an amazing day.