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06-26-2011, 06:00 AM
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#1
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Thinks s/he gets paid by the post
Join Date: Sep 2010
Location: midwestern city
Posts: 4,061
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My Next Phase
__________________
Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
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06-26-2011, 06:34 AM
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#2
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Feb 2007
Posts: 5,072
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No.... I am a DIYer. It's cheaper! Should come as not surprise... with the people who frequent this forum. 
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06-26-2011, 07:41 AM
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#3
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gone traveling
Join Date: Apr 2009
Location: Eastern PA
Posts: 3,851
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"My Next Phase will reveal meaningful personal insights by first measuring the seven personality traits which influence how you handle decisions and transitions. Further, the process will actually adjust to your personality, so you can better plan a retirement that meets your individual needs."
Sorry - I can think for myself, TYVM  ...
Disclaimer: I don't belong to the Church of Scientology...
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06-26-2011, 08:42 AM
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#4
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 21,304
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I'm also a DIYer, but I looked at 'How it Works' on the Next Phase website. Hard to tell what value you'd get since they don't reveal much unless you pay (and that's a red flag to me to begin with), but I'd suggest you first read (free at your local library if you don't want to buy any of them): - Work Less, Live More by Bob Clyatt
- How to Retire Happy, Wild & Free by Ernie Zelinski
- Encore: Finding Work that Matters in the Second Half of Life by Marc Freedman
And I am sure there are others equally good. I'd be surprised if these don't answer the questions the Next Phase websites poses.
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57
Target AA: 50% equity funds / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
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06-26-2011, 08:53 AM
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#5
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gone traveling
Join Date: Sep 2003
Location: DFW
Posts: 7,586
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Isn't that what ERF provides?
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06-26-2011, 12:48 PM
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#6
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2007
Location: New Orleans
Posts: 47,500
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To me, it looks like a rip-off.
I feel as though I already know myself pretty well - - after all, I have spent 63 years in that endeavor. You probably know yourself pretty well too, by now. I can't imagine that a computer question and answer session would provide any insights that you or I do not already have.
Introspection and self knowledge are very helpful in determining one's goals and realizing them. I don't think there are any shortcuts but this website apparently claims to have one (but you must pay first before you find out if they really do, or not). I seriously doubt that you would get your money's worth.
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities. - - H. Melville, 1851.
Happily retired since 2009, at age 61. Best years of my life by far!
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06-26-2011, 01:27 PM
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#7
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Moderator Emeritus
Join Date: Oct 2007
Location: Portland
Posts: 4,946
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 Quote:
Originally Posted by W2R
To me, it looks like a rip-off.
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Yup. First thing they do is ask for money, with vague handwaves as to what you might get.
"Personality-tailored guidance" you say? For only $895, I can have five half-hour one-on-one sessions with a 'retirement expert'? Why do I get the feeling there's an E-meter, auditing, and engrams involved?
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06-26-2011, 02:08 PM
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#8
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Moderator Emeritus
Join Date: Dec 2002
Location: Oahu
Posts: 26,860
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__________________
*
Co-author (with my daughter) of “Raising Your Money-Savvy Family For Next Generation Financial Independence.”
Author of the book written on E-R.org: "The Military Guide to Financial Independence and Retirement."
I don't spend much time here— please send a PM.
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06-26-2011, 02:39 PM
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#9
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Feb 2007
Posts: 5,072
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06-26-2011, 04:56 PM
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#10
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Thinks s/he gets paid by the post
Join Date: Sep 2009
Location: Hong Kong
Posts: 1,688
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If I was having difficulty adjusting to the non-financial aspects of early retirement, I might consider a life coach, but otherwise I would pass. There is no shortage of free advice available on the Internet and books which cover the issues.
__________________
Budgeting is a skill practised by people who are bad at politics.
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06-26-2011, 05:17 PM
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#11
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2007
Location: New Orleans
Posts: 47,500
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I have always kept the idea of reading Zelinski's "How to Retire Wild, Happy, and Free" in the back of my mind in case I had trouble with the non-financial aspects of retirement. So many people have said on this board that this book is a great help.
Before retiring I feared I would have such trouble, because I had ignored the non-financial aspects. People at work told me I would be bored and bouncing off walls if I had no purpose in life, and that I would feel empty and unfulfilled. One even feared that I would die soon after retiring, due to retiring. As for me, I wondered.
Oddly, I have found retirement to be my paradise. Instead of having problems, all of those fears turned out to be completely groundless in my case. Turns out that doing whatever I want to do all day agrees with me and is not a burden to me. Sleeping whenever I want to sleep is pretty wonderful, too.
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities. - - H. Melville, 1851.
Happily retired since 2009, at age 61. Best years of my life by far!
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06-27-2011, 12:26 PM
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#13
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Thinks s/he gets paid by the post
Join Date: Jun 2005
Posts: 4,391
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Go For It
If you feel that you could benefit from some coaching then go for it.
What's the big downside ? So their fees range from $119 to $895 depending on what you get. In the big scheme of things paying their fees won't make much difference to the nest egg. Yet if it keeps you from having lots of blue days then it would be well worth the money.
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06-27-2011, 01:31 PM
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#14
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Moderator Emeritus
Join Date: Dec 2002
Location: Oahu
Posts: 26,860
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Quote:
Originally Posted by obgyn65
... has anyone tried this program ? Any feedback please ? Thank you.
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Speaking of coaching, a shipmate of my spouse's has just launched her own site:
Oschmann Coaching - Life - Leadership - Transition Coach
I'm not a customer, but I'm a fan of her previous work. She's not "tough love", more like "figuring out the tough questions", but she understands.
__________________
*
Co-author (with my daughter) of “Raising Your Money-Savvy Family For Next Generation Financial Independence.”
Author of the book written on E-R.org: "The Military Guide to Financial Independence and Retirement."
I don't spend much time here— please send a PM.
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06-27-2011, 05:59 PM
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#15
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Thinks s/he gets paid by the post
Join Date: Sep 2010
Location: midwestern city
Posts: 4,061
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I was thinking the same. I may give it a try, but not sure yet.
Quote:
Originally Posted by MasterBlaster
What's the big downside ? So their fees range from $119 to $895 depending on what you get. In the big scheme of things paying their fees won't make much difference to the nest egg.
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__________________
Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
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