Shows
2026-02-0118 minHappiness in RetirementWhat if Happiness is just a Dog, A Walk, A Book, and Good Friends?SummaryIn this episode of the Happiness in Retirement podcast, host Bill DelSette shares his personal journey and insights on the relationship between money and happiness. Drawing from his experiences growing up in foster care and working various jobs from a young age, he emphasizes the importance of work ethic and the simple joys of life. Bill reflects on how, despite achieving financial success, he found that true happiness stemmed from meaningful relationships and engaging in activities he loves, rather than the accumulation of wealth. He discusses the paradox of wealth, noting that while money can provide...
2026-01-1819 minHappiness in RetirementFinding Happiness - Insights with Pending Retiree and Retirement Planner Glen Allen, CFP®In this episode of the Happiness in Retirement podcast, I had the pleasure of interviewing Glen Allen, a valued member of Del Sette Capital Management, who is on the cusp of retirement. As the host, I wanted to explore the multifaceted nature of retirement, especially from the perspective of someone who has dedicated years to the financial industry and is now preparing to transition into this new phase of life.We kicked off the conversation by discussing Glen's feelings about retirement. He expressed a sense of readiness, thanks to his extensive financial preparation and the solid benefits...
2026-01-0939 minHappiness in RetirementBeyond the Hype: Timeless Investing PrinciplesWelcome to this special episode of the Happiness in Retirement podcast! Today we’re diving into a topic that we haven’t explored in depth before on the podcast: investing. While we often focus on lifestyle tips and financial planning strategies, I believe it’s crucial to discuss our investment philosophies at Del-Sette Capital Management, especially as they relate to achieving a fulfilling retirement.In this episode, I share our core investment principles, emphasizing that investing is not merely a spectator sport. It’s an integral part of a comprehensive financial plan, and as fiduciaries, we are committe...
2025-09-1019 minHappiness in RetirementMore Than Money: Why Time is Your Greatest AssetIn this episode of the Happiness in Retirement podcast, I delve into the concept of "time affluence" versus "time poverty." We explore how the quality of our lives in retirement is not solely determined by financial wealth but also by how we perceive and manage our time.I share a thought-provoking parable about a Mexican fisherman and an American investment banker, illustrating the contrast between living a fulfilling life and chasing after wealth at the expense of time. The discussion highlights that many people, even in wealthy countries, experience time poverty, which can lead to decreased happiness...
2025-09-0215 minHappiness in RetirementMaking Sense of Life Insurance - Term, Whole or Both?In this episode of the Happiness in Retirement podcast, I delve into the critical topic of life insurance, specifically focusing on the differences between term insurance and whole life insurance. Building on our previous discussion about the four risks to retirement, I emphasize the importance of having adequate life insurance to protect your family from the financial impact of dying too soon.I explain the concept of economic life value, which highlights that your ability to earn income is your most significant asset, especially when you're young. This understanding helps determine the appropriate amount of life insurance...
2025-08-2320 minHappiness in RetirementRetirement at Risk: The Four Threats You Can't IgnoreEpisode Synopsis: Understanding the Four Core Financial Risks in RetirementWelcome back to the Happiness in Retirement podcast! I’m your host, Bill Del-Sette, founder of Del-Sette Capital Management. After a refreshing summer hiatus, we’re excited to dive back into the essential topics that can help you secure a fulfilling retirement. In this episode, we tackle a subject that often gets overlooked: the four core financial risks that everyone should be aware of as they plan for retirement.As we transition into the final weeks of summer, I reflect on the fleeting natu...
2025-08-2022 minHappiness in RetirementBook Review - Flourish by Martin SeligmanIn this episode of the Happiness in Retirement podcast, I delve into the profound question of what constitutes a good life, particularly in the context of retirement. Let's explore whether happiness is the ultimate goal, or if there are deeper elements that contribute to a fulfilling life.
2025-05-1818 minHappiness in RetirementThe curve ahead: What the Science Says About Aging, Happiness and SpendingIn this episode of the Happiness in Retirement podcast, I, Bill Del Sette, delve into two fascinating concepts that can significantly impact your retirement experience: the U-bend of happiness and the retirement income smile.We begin by exploring the U-bend of happiness, a pattern observed in life satisfaction that shows people tend to be happiest in their youth and later years, with a dip in happiness during midlife, typically in the 40s and early 50s. This phenomenon is backed by extensive research, revealing that many individuals feel unfulfilled during this period due to various pressures and expectations...
2025-05-1115 minHappiness in RetirementWarren Buffet and Thoughts on Modern RetirementIn this episode of the Happiness in Retirement podcast, I delve into the multifaceted topic of retirement, sparked by the recent announcement of Warren Buffett's retirement at the age of 94. I reflect on the reasons why people choose to retire or continue working, drawing from my 30 years of experience as a retirement planner.We begin by exploring the historical context of retirement, tracing its origins back to agrarian societies where the concept was virtually nonexistent. I discuss how the introduction of pensions by figures like Otto von Bismarck and the establishment of the Social Security system by...
2025-05-0420 minHappiness in RetirementCommon Retiree Investment Mistakes That Can Sink Your PlanIn this episode of the Happiness in Retirement podcast, I delve into the critical mistakes that individuals often make when transitioning from the growth or accumulation phase of their financial lives to the enjoyment or distribution phase of retirement. As we approach the magical age of financial independence, it’s essential to shift our mindset and strategies regarding investments, and I highlight the common pitfalls that can jeopardize a secure retirement.The first mistake I discuss is the tendency to become overly conservative with investments. Many retirees believe they should drastically reduce their exposure to stocks and in...
2025-03-1319 minHappiness in RetirementMoney Mindset MasteryIn this episode of the Happiness in Retirement podcast, I, delve into the crucial relationship between your money mindset and your overall life context. We explore how your core beliefs and attitudes about money significantly influence your financial decisions and success. Drawing on concepts from Werner Erhard and Stephen Covey, I emphasize the importance of having an empowering context for your life, which can help you maintain a positive money mindset, even in challenging circumstances.I introduce the Stockdale Paradox, highlighting Admiral Jim Stockdale's experience as a POW, where he maintained faith in a positive outcome while...
2025-03-0919 minHappiness in RetirementSmart Withdrawals: Maximizing Your Retirement Income Without Running OutIn this episode of the Happiness in Retirement podcast, I delve into the crucial topic of determining a safe withdrawal rate from your retirement portfolio. We explore the complexities of retirement planning in the real world, where factors like inflation, taxes, market volatility, and longevity risk come into play.I begin by painting a hypothetical scenario where everything is perfect—no inflation, no taxes, and guaranteed returns—before transitioning to the realities we face. We discuss the concept of sequence of return risk and how it can significantly impact your retirement savings.I introduce four diff...
2025-02-2020 minHappiness in RetirementPassing the Torch: Creating a Smooth Transition for Your WealthEpisode Synopsis: Seamless Wealth SuccessionIn this episode of the Happiness in Retirement Program podcast, we delve into the critical topic of estate planning and asset protection, wrapping up a series of discussions we've had over the past few weeks. We begin by highlighting the importance of having a solid estate plan, using the example of the late musician Prince, who famously died without a will. This lack of planning can lead to the government deciding how your assets are distributed, which may not align with your wishes.We explore the staggering statistic...
2025-02-0724 minHappiness in RetirementSwedish Death Cleaning: Declutter Your Life, Embrace What MattersIn this episode of the Happiness in Retirement podcast, I delve into the concept of "Swedish death cleaning," a mindful decluttering process that emphasizes the importance of keeping only those possessions that hold true meaning for us and our loved ones. I begin by discussing the hedonistic treadmill, where the pursuit of material possessions often leads to fleeting moments of happiness, leaving us in a cycle of constant consumption without true fulfillment.As we explore the theme of estate and legacy planning, I share insights from Margareta Magnusson's book, "The Gentle Art of Swedish Death Cleaning," which...
2025-01-2416 minHappiness in RetirementSmart Giving: Unlocking the Power of Qualified Charitable Donations and Donor-Advised FundsIn this episode of the Happiness in Retirement Program, I delve into two powerful charitable giving strategies: Qualifying Charitable Donations (QCDs) and Donor Advised Funds (DAFs). We start by discussing the current tax landscape, particularly the impact of the 2017 Tax Cut and Jobs Act, which significantly increased the standard deduction and limited itemized deductions, leading to a decline in charitable giving.I explain how QCDs allow individuals over 70 and a half to donate directly from their IRAs to charities, satisfying required minimum distributions (RMDs) without incurring taxes on the withdrawn amount. This strategy not only helps reduce...
2025-01-1819 minHappiness in RetirementDigital Afterlife: Securing Your Online LegacyPlan Your Digital Estate NowIn an increasingly digital world, the assets we accumulate are not just physical items; they often reside in the intangible realm of the internet. From social media accounts to cryptocurrencies, these digital assets can hold significant sentimental and monetary value. However, many individuals remain unaware of the importance of planning for the distribution and management of these assets after death or incapacitation. Continue reading for actionable steps to ensure that your digital legacy is preserved and managed according to your wishes.Let’s sta...
2025-01-1022 minHappiness in RetirementHow to put more smile in your retirement income smileThe Go-Go years of retirement are when you are healthy, have free-time, and can enjoy the fruits of your labor. Sooner or later, you will slow down because of health related issues. But what if you could increase your healthy retirement years? Tune in to find out more.
2024-12-0828 minHappiness in RetirementTo Roth or Not to Roth?How do you choose between contributing to a traditional, tax deferred 401K or a Roth 401K? Are you just guessing when you choose between contributing to one or the other? Watch this episode of the Happiness in Retirement Webcast to help you make the best choice.
2024-12-0125 minHappiness in RetirementThree ways to set goals that will motivate and inspire you to act on your financial planStep one of the financial planning process is to create goals around what matters most to you. Check-out this episode to learn three ways to get inspired about your future and to create targets that you will be motivated to act on in your plan.
2024-11-2423 minHappiness in RetirementThe Four Steps to Craft your Financial Plan - and why They Should be Followed in This OrderTheir are four steps to crafting your financial plan, and if you miss any of them, it could derail your financial future. Tune-in to learn the the four steps and why you should follow them in a certain order to maximize your chances of success.
2024-11-1721 minHappiness in RetirementThe Miracle of Compound Interest Creates the Headache of Compound TaxYou probably learned about the miracle of compound interest in grade school, but they probably didn't teach you about the ever increasing, compound tax it can create. In this episode of the Happiness in Retirement podcast, I'll illustrate and present some potential solutions.
2024-11-1024 minHappiness in RetirementWhat's the Economically Correct Amount of Life Insurance you Should Have on Your Life?Many people use a needs based approach to figuring out how much life insurance they need, but it leaves them woefully underinsured. Tune-in to learn how to use replacement value and economic life value to determine the real loss experienced if you pass away too soon.
2024-11-0320 minHappiness in RetirementWhat's Your Money Mindset - Ant or Grasshopper?In this episode of the Happiness and Retirement Program podcast, host Bill Del Sette draws insights from an Aesop's Fable to illustrate two distinct types of people when it comes to money management—those who save and plan (the ants) and those who spend impulsively (the grasshoppers). Del Sette explores the motivations behind these financial behaviors and sets the stage for future discussions on how to approach retirement with a focus on happiness and fulfillment. Tune in to discover how to navigate your financial journey with purpose and joy![00:02:03] Ants vs. Grasshoppers: Financial Mindsets.[00:06:20] Planned sp...
2024-10-2421 minHappiness in RetirementIntroducing the Happiness in Retirement PodcastThe happiness in retirement podcast is a holistic financial planning show that teaches you how to maximize your wealth and your happiness, and its for anyone who wants to squeeze all the juice out of their life - and their money.
2024-10-2401 min
W3b TodayW3b Today del 10.10.20237. La capoeconomista di LinkedIn analizza le competenze lavorative utili nell'era dell'Intelligenza Artificiale. Stando al CEO di LinkedIn l'avanzamento dell'Intelligenza Artificiale genera un cambiamento nelle richieste delle competenze da parte dei datori di lavoro. I dati dimostrano che circa il 25% delle competenze richieste per i ruoli lavorativi è cambiato negli ultimi sette o otto anni, principalmente nelle competenze digitali. La capoeconomista di LinkedIn ci tiene a sottolineare l'importanza di comprendere l'uso della tecnologia come strumento collaborativo e l'evoluzione continua delle competenze, combinando abilità tecniche con capacità umane come creatività e etica, indipendentemente dalla professione. 6. Intelligenza Artificiale: una valutazione dell'opportunità di inves...
2023-11-2306 min
W3b TodayW3b Today del 16.05.20237. Il rapporto tra l'intelligenza artificiale e le banche. Anche il mondo delle banche ha aperto le sue porte all'intelligenza artificiale, perché quest'ultima risponde tramite un chatbot quando si prova a contattare la propria banca online o invia una risposta automatica quando si prova a chiamare. L'intelligenza artificiale, inoltre, viene utilizzata dalle banche per tenere traccia delle spese e avvisare automaticamente le persone quando spendono o raggiungono un livello specifico nel loro conto. 6. NewsGuard: 49 siti di notizie scritti dall'intelligenza artificiale. Nell'aprile 2023 NewsGuard ha identificato ben 49 siti di notizie e informazioni scritti con l'intelligenza artificiale, in ben sette lingue: il t...
2023-06-0103 min
The Eye News ItaliaEye News del 24.04.20237. Strabismo infantile: colpito il 3% dei bambini. Lo strabismo, un difetto visivo determinato dal malfunzionamento dei muscoli oculari estrinseci dell'occhio, è una condizione molto frequente tra adulti e bambini ed è naturale nei neonati sotto i 6 mesi di età. Esistono diversi tipi di strabismo, tra cui quello verticale (quando l'occhio devia verso il basso o verso l'alto), lo strabismo convergente (quando un occhio devia verso l'interno) e quello divergente (quando un occhio devia verso l'esterno). 6. Oculistica: creata l'app per fare le diagnosi ai bambini piccoli, anche da casa. Uno studio eseguito da ricercatori cinesi ha permesso di creare un'applicazione basata sull'intelligenza art...
2023-05-0304 min
Beauty Good News ItaliaBeauty Good News del 15.11.20227. Chirurgia estetica intima: quante donne si sottopongono alla chirurgia estetica dei genitali? La chirurgia estetica intima femminile è in crescita da tanto tempo, anche in Italia, e a confermarlo è un'indagine della Federazione italiana di sessuologia scientifica. Tra dolore fisico e psicologico principalmente si pensa al ringiovanimento della vagina e alla labioplastica, cioè alla chirurgia delle piccole labbra. 6. 24° Congresso Agorà 2022: le frontiere della chirurgia e della medicina estetica nel 2023. Si è svolto qualche giorno fa il 24° Congresso Agorà 2022, dedicato alle nuove frontiere della medicina estetica, quest'anno atta ad esaltare la femminilità con consapevolezza, naturalezza e senza eccessi. Le soluzioni più innovative sono i peelin...
2022-11-1803 min
Beauty Good News ItaliaBeauty Good News del 22.03.20227. Donatella Versace: la moda e la chirurgia estetica. Quello di Versace è uno dei brand più amati e conosciuti della moda italiana; anche Donatella Versace ha assunto un ruolo molto importante nella sua azienda ma, nel corso degli anni, la sua immagine è stata sottoposta anche a molte critiche: la donna, infatti, è ricorsa ripetutamente e in maniera eccessiva a interventi di chirurgia estetica, che alla fine le hanno completamente trasfigurato il volto, rendendola irriconoscibile. 6. Fox Eyes: si sottopone all'intervento della seduzione ma ottiene solo un paio di corna. Sottoporsi alla chirurgia estetica può essere di grande aiuto ma altre volte può rive...
2022-03-2404 min
The Eye News ItaliaEye News del 10.01.20227. Illusioni ottiche: la più antica e inquietante risale al XVI secolo. Il dipinto risalente al 1533, intitolato "Gli ambasciatori", nasconde una significativa illusione ottica, che offre una riflessione profonda sulla vita. La maggior parte delle persone non riesce a notarla perché guarda il dipinto di fronte, infatti l'illusione ottica può essere rivelata guardando il quadro da destra. Se ci si pone in questa posizione si ha la possibilità di notare un teschio in primo piano. 6. Acqua e lenti a contatto: occhio alla cheratite da Acanthamoeba. Seguire le dovute regole di igiene quando si utilizzano le lenti a contatto è molto important...
2022-01-1304 min
Beauty Good News ItaliaBeauty Good News del 07.12.20217. CoolSculpting: cosa è davvero successo a Linda Evangelista. CoolSculpting è un dispositivo che riduce i cuscinetti agendo direttamente sulle cellule adipose con un processo biologico chiamato criolipolisi. Si tratta di un percorso veloce, non invasivo, senza tempi di recupero, che dà ottimi risultati. Ma cos'è successo, quindi, a Linda Evangelista? Quest'ultima ha sviluppato un'iperplasia adiposa paradossa, un effetto collaterale molto raro e anche grave. Questo evento può essere d'insegnamento per valutare seriamente ogni procedura di medicina estetica. 6. Pochi millimetri e cambia la vita: l'intervento di rinoplastica. La rinoplastica è un intervento che agisce su ossa nasali, setto e punta, con lo scopo di c...
2021-12-0904 min
The Eye News ItaliaEye News del 04.10.20217. Firenze: la rara terapia genica che salva la vista. L’Azienda ospedaliero-universitaria di Firenze è stata fra le prime in Italia ad utilizzare un farmaco genetico per la cura di una rara malattia della retina, una rara forma di retinite pigmentosa, causa di cecità progressiva, su un giovane paziente di 19 anni. La terapia consiste nell’iniettare il farmaco nella parte più profonda dell’occhio, con una sofisticata tecnica microchirurgica. 6. Le illusioni ottiche come grido di libertà per l'ambiente. A New York il grande successo dello street artist spagnolo Pejac è stato raggiunto con due illusioni ottiche che gridano alla libertà mostrando il bi...
2021-10-0603 min
Beauty Good News ItaliaBeauty Good News del 22.06.20217. Magnate dei diamanti si sottopone a un'operazione al pene e muore. Il magnate dei diamanti belga israeliano, noto per aver venduto il diamante più costoso del mondo nel 2015, è morto in Francia durante un intervento per l'allungamento del pene. Nonostante la sua ricchezza, l'uomo soffriva di un complesso legato alla sua statura. Il malore del multimiliardario 65enne è avvenuto quando gli è stata iniettata una sostanza nei genitali, con un successivo attacco di cuore. 6. Jack Johnson: 25mila euro per assomigliare a David Beckham. Il ricorrere alla chirurgia plastica per assomigliare ai personaggi più famosi ormai sta diventando una mania a tutti gli effett...
2021-06-2303 min
LakeShow CornerMamba Moments #14: i sette game-winner di Kobe nel 2009/10 Prosegue il countdown che ripercorre la carriera leggendaria del Black Mamba 🐍. Al #14 il racconto della stagione 2009/10, quando Kobe Bryant realizzò ben 7 game-winner.Per ripercorrere tutto il momento, leggi anche:Mamba Moments #14: i sette game-winner di Kobe nel 2009/10📺 © All clips property of NBA Media Ventures, LLC.🎼 © Just Breathe (Backspacer) Pearl Jam🏀 Dear Basketball © 2019 Believe Entertainment Group, LLCAudio, podcast e mini recap creati dalla redazione di LakeShow Italia e dedicati alla squadra NBA dei Los Angeles Lakers.
2020-05-2510 min