Retire Your Bad Health Habits w/ Kevin English + a Question on Medicare Enrollment While Working

A sound financial plan is only one part of living a better retirement. Another huge part is maintaining good health and it's extremely difficult to "retire better" if you don't feel better. On this episode, Kevin English, a health and wellness expert specializing in helping those over 50 years of age, joins Joe Allaria to share a few simple keys to improving your health even after age 50, including:

• How to eat better without going on an extreme fad diet
• How to maintain muscle with a simple workout routine
• How to maintain your overall health with good lifestyle decisions

But first, we answered a very common question about enrolling in Medicare.  Laura asks "I’m 65 and wondering if I need to enroll in Medicare. I’m still working and have coverage through work. Some people are saying I need to enroll, but others say I don’t until I retire. Which is it? Thank you for your help."

About Our Guest
Kevin English is the Founder and CEO of The Silver Edge, an online personal training and nutrition coaching company. He's also the creator and host of the Over 50 Health & Wellness podcast. Kevin's mission is to counter the narrative that it's "all downhill" after 50, and draws from his own personal experience with a health scare as motivation to help others live a healthier life, even after age 50.

Resources mentioned in the show

• When can I sign up for Medicare QUIZ (via Medicare.gov)
• Access to Kevin's free guides on nutrition, working out, and overall health
• Access to your very own FREE retirement assessment

Submit Your Questions
To submit a listener question, visit our website HERE and enter the details of your question.

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Transcript

Speaker: 0:02

Welcome to the Retirement Power Hour Podcast, where you'll hear direct financial insights from financial planner, writer, and consultant Joe Alaria, as he and his guests uncover key wealth management strategies to help listeners invest wiser and retire better. Now, here's your host, Joe Aleria.

Joe Allaria: 0:23

Welcome everyone to the Retirement Power Hour. My name is Joe Allaria , and this is episode 11. Today, we are going to be talking about how to retire your bad health habits. I'm going to be joined in just a bit by Kevin English, who's the founder and CEO of The Silver Edge, an online personal training and nutrition coaching company. And he's also the creator and host of the Over 50 Health and Wellness Podcast. And I'm so excited to have this discussion with Kevin because on this show, we not only want to talk about things that can help you listeners invest wiser, but we also talk about how to retire better. And part of retiring better is feeling better, having a higher quality of life, maintaining your health and improving your health even after you hit retirement. And that's part of Kevin's mission is to fight the notion that once you hit retirement, it's all downhill from here. So he's going to share some important keys with us in just a bit on how to live a healthier retirement. We also have a question today about Medicare and if you need to enroll in Medicare, if you're still working in turning 65. But first, did you know if you go to retirement powerhour podcast.com, you can listen to all of our past shows and access all of the resources that we shared on each show. Just go to the website, search whatever show interests you. Make sure you look in that description because that's where you'll see all the links, all the guides that we discuss every single episode. Also, you can go to Carsonalaria.com where you can view all of our blog posts. There are over 80 different blog posts dedicated to helping you invest wiser and retire better. Lots of different financial strategies, lots of interesting ideas to think about if you are 50 years of age and older. So check out those resources. Again, go to retirement powerhour podcast.com. And you can also submit a question there as well. And we will potentially feature your question on a future show. So with that, I want to get into today's question, and it comes from Laura, who is 65. She says, Hi, I'm 65 and wondering if I need to enroll in Medicare. I'm still working and have coverage through work. Some people are saying I need to enroll, but others say I don't need to until I retire. Which is it? Thank you for your help. Well, Laura, thank you for your question. And this is a common question. I've probably run into this four or five times in the last year. Do I need to enroll? Do I not? This is talking about if you are still working and you have group coverage, do you need to enroll in Medicare? Well, I'm going to get to the to the answer to that question, but I first want to share a resource with you, which is offered through Medicare.gov. You just have to go to Medicare.gov. You can search, do I need to enroll in Medicare? And a link will come up, and there's basically a quiz you can take that tells you if you need to enroll or not. So I'll go through this with you, Laura. And the first question is Do you have health insurance now? The answer would be yes. The next question, select the type of health insurance that you have. I'm guessing you would say insurance from my job. Are you still working for the employer that provides your health insurance? That answer would be yes. Now, here's the biggest question that people aren't aware of. And one of the biggest determining factors in if you need to enroll or not. Does the employer that provides your health insurance coverage have 20 or more employees? So if the answer to that question is yes, then your answer is you don't need to enroll in Medicare, you just have to do it within eight months after you stop working. Just within eight months after you stop working. One of the biggest concerns is that if you don't enroll in Medicare, you could have late enrollment penalties. But if you are still under a group health plan and you go straight from your group health plan to Medicare, what we talked about on episode eight with Joanne Giardini Russell, you are not going to see a late enrollment penalty for your Part B coverage. But there is a bigger issue at hand if you don't enroll when you need to enroll. If your employer has less than 20 employees, you do need to enroll in Medicare when you become Medicare eligible. And here is the reason: it has to do with who is the primary payer and who is the secondary payer. And if your insurance company is not acting as the primary payer, you may have a claim, you may turn that claim in, and they may look at it and say, Well, here's what we're estimating that Medicare is going to pay, so we will pay the remainder. And you might respond and say, Well, I'm not on Medicare, I don't have Medicare. And they'll say to you, Well, you should, you're eligible for Medicare, and they should be acting as your primary insurer. And that's where it could really come back to bite you if you don't enroll in Medicare. Again, if your company, if your business has less than 20 employees. If you have 20 or more, as it says here, you don't need to enroll. So that's what I see as the biggest risk. And Laura, that's a question that you'll have to ask. Does my employer have 20 or more employees? If the answer is yes, you don't need to enroll right now. If the answer is no, then you will need to enroll as soon as you are 65, which it sounds like you already are. So something you may want to look into sooner than later. I hope that answer was helpful for you. Again, for everyone else, go to retirement powerhour podcast.com and you can click the button to submit your question, and we will potentially feature it on an upcoming show. With that, I want to move into the next segment of our show where we're going to be talking with Kevin English. Again, Kevin is the founder and CEO of the Silver Edge online personal training and nutrition coaching company. Kevin focuses mainly on people that are over the age of 50, just like we educate people that are within five to 10 years of retirement. Most of the time, those are people that are 50 years of age and older as well. And so I thought there would be a lot of synergies to have Kevin on the show. And what an amazing thing to talk about when it comes to your health. Your health absolutely affects your finances. It absolutely affects your quality of life in retirement. It absolutely affects your level of retirement satisfaction. So Kevin is going to give us some of those key tips to help us all live a better retirement. Here is my conversation with Kevin English. Enjoy. Kevin, welcome to the show.

Kevin English: 6:59

Yeah, Joe, I'm really excited to be here. Thanks for inviting me.

Joe Allaria: 7:01

So this is a little bit of a change up, Kevin, from what we usually talk about when we're talking about money. But as I said in the intro, you help people focus on their physical fitness and specifically people that are 50 years in age and older. And we focus on helping people with their finances, but not necessarily everyone, mostly people that are 50 years of age and older, getting close to retirement. And I just thought, I saw your podcast, what what better topic than than to talk about on the retirement power hour than how to retire better from a physical standpoint? Because your health impacts your retirement well-being. It can even impact your financial picture. We'll talk about that in a bit. But I thought it'd be fun to talk about. And I also wondered what made you focus in on that 50 plus demographic.

Kevin English: 7:51

Yeah. So I had my own health and fitness journey. I had a health scare a little over a decade ago. I was in my mid-40s. I thought I was having a heart attack. It turns out I wasn't. But I just let myself get so incredibly unhealthy. And I kind of looked around and said, this can't be, this can't be as good as it gets in in my 40s, right? At the time, I was overweight. I was eating like crap. I was drinking. My stress was through the roof. You know, my kids were still in the house. And from the outside, it seemed like things were going pretty good. I was very successful in my career and I had a nice house and a nice car and all that good stuff. But just my health had really hit rock bottom. And I decided, okay, I want to do something about this. And that really set me off on this journey. Fast forward a few years later, and I found myself over all those years of experimenting and researching and trying to figure out what I should eat, what, how should I work out? What's the best way? And I found myself rolling into my 50s as fit and as healthy and as strong and as capable as I've ever been in my entire life. And of course, that's that's pretty motivating, right? I I it's just a complete opposite from where I was in my 40s. And I thought, okay, where's my tribe? Where's my community? Where are these other men and women over 50 that are fit and strong and in fact in the best shapes of their lives? And in my little local community, I didn't really, I didn't see that. I didn't have that community. So, you know, I decided, hey, let me look on the web basically. It's just kind of have that larger pool of folks. Turns out there's tons of people in their 50s, 60s, 70s that are very strong, very fit, very into fitness in general. And I just wanted to connect with that community. So that's why I started a couple of years ago, over a couple of years ago now, my my podcast, because I really wanted to talk to other people that were excited about that. So that's kind of how I got to so passionate about this particular audience and doing what I'm doing today.

Joe Allaria: 9:49

Awesome. And like I said, our mission here is to help people invest wiser and retire better. And that retire better part can be financial, but it's really every aspect of your life, every area. And that's why this is so important. And it's so cool to have you on the show because retiring better means you have to feel better. You can't retire better if you don't feel well, if you're not healthy. Yeah. And we're passionate about helping listeners improve their finances, but also improve their entire retirement experience.

Kevin English: 10:20

Yeah. Hey, Joe, I'll I'll jump in there and say, you know, all the wealth building in the world won't buy health, right? So I I feel, I feel like this is a perfect discussion to have because you're you're working with your clients and your audience. Hey, let's be responsible. Let's build this wealth, let's have a retirement plan, right? And I would make this the case that as these people are investing financially for their future, they should also be investing in their physiological future, right? Their health, because that's something that no amount of money is going to buy. Clearly, having access to finances to take care of your health or ill health as it may be as you as you age is important. But doing the preventative things to roll into your 50s, to be healthy, your 60s, your 70s, into that retirement age and to be, again, strong and capable of doing the things you want to do, I think is really important.

Joe Allaria: 11:10

And your mission struck me as well that it doesn't have to be that it's all downhill from here when you retire.

Kevin English: 11:16

100%. Yeah. I've I'm kind of railing against that common narrative that, hey, look, you hit 50, it's just all downhill from here. Just accept that the aches, the pains, the beer belly, the lower libido, you're just not as strong, mobile, fit as you used to be, not buying it.

Joe Allaria: 11:32

So let's just talk about some of this, Kevin. So what does a healthy life look like for someone who's 50 plus? I mean, where do you start in terms of nutrition, in terms of working out? Where does someone start?

Kevin English: 11:43

Yeah, so you know, everybody's unique and you want to meet people where they are. So that's the first thing, right? But I like to think of healthy aging as a three-legged stool, right? And a stool's got to have the three legs in order to be a functioning stool. And that first leg, we could say, is nutrition. And we could, there's so much information around nutrition and diet, which one's the best. And we can really cut through a lot of that clutter with just a couple of very simple basic principles. And that is eat as much whole foods as you can, right? Avoid all the processed crap. Prioritize good, lean, healthy protein. That's very critical, specifically for those folks over 50 for a couple of different reasons. And that second stool is going to be movement, right? So that exercise as we age, you may be familiar with the term sarcopenia that gets thrown around a lot in the news. It's age-related muscle loss and ostopenia. That's that bone density weakening. And these are lifestyle things that we can affect profoundly with strength training. So having some sort of strength training as well as some sort of a walk, you know, a daily movement. Say walking is a great, great daily movement practice to have. So some sort of strength training, some sort of walking ritual. And then that third leg of that stool is going to be your lifestyle factors. And here we're talking about things like managing stress. We all have stress, and in this day and age, we probably have chronic stress, right? And our bodies react to stress in a very unhealthy biological way. So having a way, although we might not be able to control the stress, we can certainly control how we manage it. And also sleep. A lot of people just kind of, especially some of your type A go-getters, they discount the power of sleep, but some really wonderful restorative things happen while we are getting that healthy sleep. So there you go, lifestyle, nutrition, and some sort of movement practice. You get those three dialed in and you're really, you're hitting all the basics.

Joe Allaria: 13:42

And again, here we go with that overlap because a lot of times in our financial planning process and our retirement planning, it it does and it can lower that stress level because your finances can be one of the major causes of stress. And when people don't have a financial plan, boom, that stress goes through the roof, especially when you get closer to retirement. So that's great because I'm hearing you say that reducing stress is a major part of living a healthy life. And it's not not all stress is financially related, but a lot of it can come as a result of worrying about your finances. But let's talk about nutrition for a second. It's one of those components of that three-legged stool. And I see in my interactions, I see a lot of trends like an increase in type 2 diabetes, blood pressure, cholesterol issues. And that causes folks to have to take medications, which costs money. And then other times maybe they need to get life insurance, long-term care, and it maybe they can't get approved, or because of their health, they have to pay more premium than the standard rate because maybe because of their weight or their prescriptions. So talk a little bit about when it comes to nutrition.

Kevin English: 14:54

Yeah.

Joe Allaria: 14:55

I think a lot of people think that I don't want to have to do some crazy diet, right, to rehaul my entire diet. But what are some little things that they can do to improve their health in terms of nutrition?

Kevin English: 15:08

Yeah, so there are that's that's a great question. Thanks for asking that. So there are some little things that can make a huge impact. And to your point, there is a financial impact to these lifestyle diseases, right? That's your type 2 diabetes, your a lot of your cholesterol and your high blood pressure, things like that are within your control. We can control those largely through our lifestyle. Again, that's going to be your nutrition, your exercise, and your lifestyle factors. But with the nutrition piece, so there's a couple of really simple things people could take away today. And the first is just drink more water. And a good rule of thumb is to drink half your body weight in ounces every day. And most people might be surprised. So you take a 200-pound guy, that's a hundred ounces of water a day. There you go, got your water there. Don't go anywhere without my water as well. So that's that's a simple one. Everybody can start. Let's get a good hydration practice. Now, along with that, a good rule of thumb is to eliminate or reduce drinking calories. So most of the calories that we drink are garbage calories. So fruit juice is newsflash, it's not healthy, right? You'd be much better served by either eating fruit or drinking water. So trying not to have those sugary drinks or uh alcohol drinks clearly add up to your calorie count. And the other big, big thing we can do is really try and eliminate those really highly ultra-processed foods. These things are just hyper-palatable, meaning they're delicious, right? They're scientifically designed to elicit responses in you, and they have very few nutrients in them typically, and they don't leave you feeling full very long. So figure out ways that you can eat more real whole foods would be the other big tip, I would say, on the nutrition side.

Joe Allaria: 16:55

So I'm the sugar police in my house. That's what my wife calls me because I'm extremely cognizant of how much our two young kids, how much sugar they are taking in, and really everyone. But uh the reason I bring it up is because I think soda is a very common source of a lot of sugar. And when I look at how much sugar is in a soda, it's horrible.

Kevin English: 17:18

Yeah.

Joe Allaria: 17:18

And when I look at how much sugar is in some of these snacks that our kids have, I think the other day there was a candy bar or some sort of protein bar or something that one of our kids was going to eat. And I looked and there was over 50 grams of sugar. Wow.

Kevin English: 17:33

Yeah.

Joe Allaria: 17:33

56 grams of sugar, I believe. And the word that came to mind when I saw that was criminal. It just seems criminal that that sort of kid's snack can have that much sugar in it.

Kevin English: 17:46

Yeah, we hide sugar everywhere. And it's so hard. And again, that's one of the things that you're eliminating or reducing when you move to more whole foods, right? Then you're getting naturally occurring sugar, say in things like fruit. But when you get a soda or even look at a lot of the things that are marketed as healthy power bars, granola, uh, protein bars, a lot of these things are just glorified candy bars and they've got uh just ridiculous amounts of sugar in them.

Joe Allaria: 18:12

So do you ever run into this when you're working with folks that are 50 years in age and older? That mentality of, you know what, I'm getting older, you only live so long. I don't want to be miserable for my entire retirement because I'm not eating the things that I want to eat. I just want to eat what I want to eat, and whatever happens, happens.

Kevin English: 18:32

100%. So there's a couple of things to unpack there. And the first is this, and that's that there's this idea that a lot of people say, look, I don't want to be lean, fit, and healthy because I don't want to do what it takes to be that way, or I don't want to do what lean, fit, healthy people do. And people have this impression that people that are fit, lean, healthy just are slaves to the gym. They're in there six, seven days a week spending hours doing that, and they're uh, you know, constantly eating salads and never having ice cream and pizza. And nothing could be further from the truth. I mean, personally, right now where I am today, I work out in a gym three times a week. I walk every morning and I eat reasonably healthy. That's basically my routine right now. Now that changes a little bit. I do from time to time get a little crazier. But so that's the first thing. And the second is people oftentimes mistake the cost of going down the path that they're going. Say, well, I don't, you know, I don't want to exercise and eat healthy because I'm giving things up. And they think that because they've had this experience with dieting that and exercise that that's what it means. I'm a slave to the treadmill and I can only have salads. Well, that sucks. And if my life was like that, I wouldn't do that either. So there's a couple of things. The road to getting from, let's say, obese to lean, fit, and healthy, I'm not going to sugarcoat it. It's a long and sometimes difficult road. However, once a person makes that journey and gets there, maintaining that's actually relatively easy. It's not difficult. So so many of us have had this experience. We've gone on a diet, we've lost some weight, we go off the diet and go figure, we just gain that weight back. And so most people don't have a problem losing weight. They have a problem maintaining that weight. So I think we just need to shift that mentality from, hey, I need to go on a diet or I need to start this exercise routine to I need to take care of myself from a place of self-love. I need to serve myself. I need to have a healthy body in order to enjoy the second half of my life, right? So yeah, I encounter that all the time. People say, Well, you know, that just seems so daunting. I don't want to do all that. Meet yourself where you are, take tiny steps because even tiny steps stacked on top of each other become they have a huge impact on your life.

Joe Allaria: 20:51

Yeah. And again, it it goes back to your mission of trying to fight that narrative against it's all downhill from here. It doesn't have to be right.

Kevin English: 20:59

Yeah, absolutely. Look, I don't skip dessert. I mean, I don't have it every night, but you know what? When it's date night and I go to a nice restaurant and they have they bring out the fancy desserts at the end, I have that. You know, I mean that's it's not like I'm only eating kale smoothies. So I I think that that's part of I think that's part of though the disconnect is that somebody who's unhealthy thinks, oh I don't, that sounds horrible. I don't drink kale smoothies. I never drink kale smoothies.

Joe Allaria: 21:24

Yeah, like I still I know this, but I I see people all the time that are in their mid-50s, late 50s, 60s, 70s. And I know they have a lot more in the tank than than they think from a physical standpoint.

Kevin English: 21:38

Well, look, you had mentioned being 65 and thinking, ha, you know, what the heck? I'm not doing all of that. I interviewed a woman, Shelly Stettner. She's now 71 years old. She was actually retiring and was considering how her life was going to go. And she was starting to look at assisted living facilities for her future when somebody introduced her to a gym, to a barbell of all things. And she's like, I'm a 65-year-old woman. Why would I a barbell? Are you kidding? She's now setting world record powerlifting records, which is for folks that don't know, that's a deadlift, a back squat and a bench press. It's your one rep max at each of those. And she's lifting legitimate weights. I mean, she's deadlifting over 300 pounds. She's 71 years old, considered herself a feeble old lady at 65. So it's never too late to start, right? So I just wanted to kind of bring that out as well. Oh, it is amazing. Yeah, she's an she's an incredible woman.

Joe Allaria: 22:36

Yeah, and I just played around a golf, it was a golf scramble with a client of mine who is 84 years old and will be 85 very soon. And it's just incredible how well she plays. She plays three times a week. She's incredibly consistent, can still swing the club, she can still walk around. I mean, golf's not basketball or soccer where you're running all over the place, but you are walking a lot. You're you're rotating, you're swinging your club, your hips, your shoulders are involved. And being 84 years old and being able to do that is is pretty incredible. So that was another experience for me of wow, you know, again, it doesn't have to be all downhill from here. She's still out there playing at age 84 years old. And not only was she playing, but she's she's playing pretty well. Playing good, yeah, right on. I love it. So from a workout standpoint, we we've talked nutrition, but maybe from a workout standpoint, how about some quick, easy tips? You said you work out three days a week, but but where do you start? Where's that low-hanging fruit?

Kevin English: 23:33

Yeah. So I would say first, if you don't have a walking practice, it meaning if you're not getting out and walking every day, start there. So a good rule of thumb is a minimum of 30 minutes of walking a day, especially if you're sedentary, if you sit at a desk mostly for your job. And that doesn't have to be 30 solid minutes, right? That could be 10 minutes in the morning, 10 minutes at lunch, and 10 minutes after. And you kind of we'd like to see you build on that, but a minimum of 30 minutes of some kind of walking movement every day. That's just kind of your baseline. If you don't have that today, that's where I'd start. Now, when we talk about aging and age-related muscle loss, once upon a time, I think the research indicated that that's because we saw this phenomenon, right? This correlation. People got older, they lost muscle mass. It seemed like, okay, that seems logical and we're not designed to live forever, right? But it turns out that that's we were inferring causality. We were saying because we were getting old, that's what was making our muscle waste. Turns out that's not true. So we have control over keeping this very valuable type two muscle fiber. I don't want to get too far in the weeds, but it's just a way of saying that you can have this metabolically expensive muscle, meaning you're gonna burn more calories while you're at rest when you build even a modest amount of muscle on your body. So I strongly, strongly encourage folks, especially over 50, to have some sort of a strength training practice. Now, that could be barbells, it doesn't have to be. It could be bands. And again, we're gonna meet people where they are. If you've got some experience weightlifting, that'd be a great place to start. But two to three days a week, 30 to 60 minutes of some sort of strength training program that's properly programmed and as suitable for you, is an ideal, ideal way to start. If you're walking every day and you're working out two to three days a week with some weights, you're way ahead of most of the folks in the over 50 crowd.

Joe Allaria: 25:28

Oh, absolutely. I'm the same. I I try to work out three days a week. I try to be as consistent as I can with that. And I do very simple exercises. A lot of it is body weight. I did spend a lot of time in my past in the weight room, lifting very heavy weights, and I just don't really like that anymore as much. But lately, the more I do these body weight exercises more consistently, I've started to think maybe I will get into those heavier weights again because you start to build up muscle and you need a little bit more of a challenge. But but it's so important to get some basics in place and just get started and build that routine.

Kevin English: 26:03

Yeah, and I think what happens is again, going back to that, well, I don't want to do that. Even two to three days a week at the gym sounds horrible. But what happens is people will, I say, do that for three months. And watch what happens because what will happen, whether you love going to the gym or hate going to the gym, is all of a sudden you're gonna start feeling better. You're gonna be a little less stressed, you're gonna sleep a little better, your libido is going to increase because we're gonna be producing a little bit more, uh stronger hormonal response. We're going to arrange our hormones in a more youthful manner as we start to build muscle. And lo and behold, we start to feel better. Maybe some of that ache and pain that I had in my knee or my hip or my back starts to ease a little bit and we become a little more confident, right? And just life gets a little better. And really, that's what keeps people going on this journey. Because I think we see so many people hitting the gyms January 1st. But anybody, any gym goer knows that we all just have to, just have to suffer through January because guess what? Come February, the gym's gonna be right back to where it was the year before. And that's, you know, that's just kind of a sad, sad state of affairs.

Joe Allaria: 27:07

No, and like I said, I think it's just getting into a habit, making it sustainable. It all comes from what you said, that belief that I gotta take care of myself. Right. It's not committing to a diet or some workout, but I need to take care of myself and try to establish little habits where I can and build upon those over time. But it's hard because it's different for different areas of your life. For some, it may be easy to build good financial habits, but it's more difficult to build good eating habits or good workout habits. But it's so important to build those habits. And like I said, people don't always realize the financial impact of their health decisions and the quality of their health. Life insurance, like I mentioned before, is one. You may not even be able to get approved. Let's say you need coverage, but you you're not healthy enough to get approved or you pay more. Your drug costs is another huge one, depending on what medications you need. And it even translates further into assisted living or the potential need for assisted living or nursing care. It's like the story you shared. That lady was almost about to go into an assisted living facility, but then turned around her lifestyle and now she's incredibly healthy. But it's one of those expenses that can absolutely derail your financial plan if you have to go into an assisted living or nursing facility. But if you're healthy and you're able to take care of yourself at an older age, it is such a big financial boost. And it is literally equal to hundreds of thousands of dollars if you don't have to go into an assisted living facility.

Kevin English: 28:41

Yeah. And there's the whole quality of life as well. Which path would you choose as you're getting older, right? As you get into those older years. Do you want to be that 85-year-old out on the golf course enjoying themselves? Or do you want to be, you know, more or less bedbound and sedentary and with a whole bag full of very expensive pharmaceuticals? I mean, there's that's really the two paths we're talking about. And just like investing, of course, the earlier you start the better. But just like investing, it's never too late to start. In fact, if you don't do it at all, today is, in fact, the best day to start, right? So I'm I'm with you on that.

Joe Allaria: 29:16

Yeah, I just I love when clients come in and they tell me that their knees are feeling better, their backs feeling better because they've lost 40, 50, 60 pounds. Yeah. And it's just awesome because I I, you know, I'm I care about them, I want them to feel better, but the the impact on their their joints, you know, if you've got that pain when you're when you're walking around, you it affects you all the time. You go to the kitchen, you go to the bedroom, you go to the bathroom, and every step you take, it's always there. If if you've got that joint pain, you know, that back pain, it affects your think how that's affects your mood.

Kevin English: 29:51

Yeah.

Joe Allaria: 29:51

If you're trying to play with your grandkids, do chores around the house. Pretty common. It's just all with you. It's all intertwined together. Certainly. This is great. And I was excited to talk about this. And I again, it's a little bit of a divergence from those financial strategies that we talk a lot about. But again, it's all about how to live a better retirement. So, Kevin, if someone wants to learn more about you, your programs, Silver Edge, your podcast, how can they go about doing that?

Kevin English: 30:16

Probably the best place to go is silveredgefree.com. So that's silveredgefree.com. And that takes you to a page on my site that's got a bunch of free downloads. So there's guides on nutrition, guides on getting started on exercise and lifestyle. There's a couple of free assessments that you can find there. There's also links out to my social media, podcast, and everything there. So that's probably the best place to start.

Joe Allaria: 30:39

Awesome. So I encourage everyone to go to silveredgefree.com and check out those resources that Kevin has out there. And feel free to contact our show as well. If you have questions or more information about Kevin, want to get connected to him, we can remind you where to go as well. But I'll put those in the show notes for everybody that's listening. You can go to retirement powerhour podcast.com and get all of that information. But Kevin, thank you so much for coming on our show and talking to our audience about all these important things. I enjoyed the discussion so much and I really thought it was helpful.

Kevin English: 31:14

Thanks, Joe. Yeah, I I've really enjoyed being on here.

Joe Allaria: 31:16

Well, for everyone listening, we appreciate you tuning in. And again, you can go to our website, retirement powerhour podcast.com to view all of our past shows. Thank you for listening. Until next time, take care. Hey everyone, Joe Alaria. I hope you enjoyed that interview with Kevin English on how to retire your bad health habits. So important to keep those things in mind if you actually want to live a better retirement. But maybe you've been paying attention to the news lately and you've seen that stocks are down, bonds are down, inflation is up, the Fed is raising rates, and this has started to cause you stress, anxiety, or fear. Maybe you don't have a financial plan or a retirement plan and you've thought about getting one. Well, now is the time to take action on that. And the good news is that it's incredibly easy to get started. Just go to retirement powerhour podcast.com. You can click the tab at the top that says work with me, and you'll see that we will provide you with a free retirement analysis for anyone that's within five to ten years of retirement. And we'll answer some very important questions like can you retire on time? How can you coordinate withdrawals and maximize your retirement income? How can you lower your tax bill now and throughout retirement? And how can your investments be optimized? It's an easy three-step process. And the first step is to simply schedule a 30-minute phone call with me, and I'll begin to explore your situation, ask you some good questions, and see if we can help you. So go to retirement powerhour podcast.com, click the tab that says work with me, and let's get started building that financial plan. I hope you enjoyed this episode of the Retirement Power Hour Podcast, where we help listeners invest wiser and retire better. Take care.

Speaker: 33:01

Thank you for listening to the Retirement Power Hour Podcast. All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss, and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an investment advisor representative of Carson Allaria Wealth Management, a registered investment advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but Carson Allaria area wealth management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.