Advised | with Rick Luchini

Hosted by Rick Luchini

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Nov 2025

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About the show

The Advised podcast is hosted by Financial Planner and entrepreneur Rick Luchini. On this podcast you’ll find interviews and insights on a wide range of financial topics. Rick’s mission is to lift the veil on personal finance and help you make better decisions.

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45 recent

November 13, 2025Episode 4548 min

How To Build Wealth Without Hating Your Life

Build wealth without hating your life. In this guest appearance, Rick explains why the fastest path to real wealth for Gen Z and Millennials is starting something—a side business from 5 to 9—and using money to buy time and options, not just toys. We cover living within your means without living miserably, beating lifestyle creep, investing in human capital, and using a simple cash-flow system to enjoy life now without wrecking your future. What you’ll learn Why “start something” beats waiting for the perfect idea The 5-to-9 strategy: keep your job, build your business after hours Freedom vs fortune: use money to buy options and time The simple budget that actually works: pay yourself first, spend the rest Lifestyle creep: how it sneaks up and how to stop it Human capital > index funds in your 20s and 30s Experiences over optics: return on life, not just return on investment Credit: This conversation originally aired on Growing Money with Sean Trace. Big thanks to Sean for the invite.

November 5, 2025Episode 4433 min

Sex, Marriage & Connection | How To Build Healthy Relationships Before And After Retirement

THIS ONE IS A MUST LISTEN FOR ALL AGES!! Healthy retirement is not just money and calendars. It is connection. In this conversation, Rick talks with Dr. Tina Schermer Sellers about sex, marriage, and why emotional and physical intimacy deserve attention long before you retire. They cover how couples lose connection over the years, practical ways to rebuild it, the health benefits of safe and loving touch, and how to communicate without turning every talk into a logistics meeting. There is also a simple framework you can use this week to start moving from roommates back to partners. What you will learn Why sex and intimacy belong in your health and retirement plan How busy seasons turn marriages into logistics and how to reverse it A simple monthly rhythm to protect your relationship Health benefits of safe, loving touch and strong relationships A practical communication model you can use today

October 28, 2025Episode 4330 min

Legends Don’t Retire | What Every Business Owner Needs to Hear

What happens when you finally sell the business you’ve built your whole life around? In this episode, Rick sits down with Kyle Gabhart, author of Legends Don’t Retire and Neither Should You, to talk about life after the business, identity, purpose, succession planning, and how to build a company that thrives without you. Whether you’re a small-business owner, entrepreneur, or advisor, this episode will help you think beyond the exit. You’ll learn how to separate your identity from your work, create systems that make your business more valuable, and find a second act that still fuels your drive, without burning you out. Topics Covered: How to prepare emotionally and financially for life after business ownership Turning your company into a true asset, not just a job Designing a phased succession or “partial exit” strategy Creating liquidity before you sell Finding new purpose once you step back

October 21, 2025Episode 4228 min

Reinvention Beats Retirement: The New Model for Life After 50

What if retirement isn’t the goal, but the beginning? In this episode of The Advised Podcast, Rick sits down with Scott Jagodzinski, author of Harder to Kill and founder of Argent Alpha, to talk about why traditional retirement is broken and how men over 50 can design a more meaningful second act. Scott explains why the old model ofwork hard, save money, then stop working, leads to decline and disconnection, not fulfillment. He shares how reinvention can become the new standard by focusing on curiosity, growth, and purpose instead of withdrawal and comfort. Together, Rick and Scott explore what it means to build a life that stays relevant and rewarding after the paycheck ends. They talk about health, mindset, and how to start small with new challenges that keep you learning and engaged. If you are approaching retirement or already there, this conversation will help you rethink what comes next and how to live with strength, meaning, and forward momentum. 🎧 Listen now and start your reinvention journey.

October 14, 2025Episode 4130 min

Harder to Kill: Why Men Over 50 Must Take Back Their Health

What does it really mean to be Harder to Kill? In this episode, Rick sits down with Scott Jagodzinski, author of Harder to Kill and founder of Argent Alpha , to talk about why men over 50 can’t afford to coast on autopilot when it comes to their health. Scott led companies through nine-figure exits and corporate turnarounds before redirecting that same intensity toward optimizing life after 50. Together, he and Rick unpack the mindset, structure, and daily disciplines that build strength, resilience, and purpose, not decline. They dig into Scott’s “Alpha Triad” framework: Future Self — defining who you want to become Alpha 5 — daily standards for mindset, sleep, nutrition, fitness, and hydration R.A.D. — recurring accountability that outlasts willpower Whether you’re approaching retirement or just ready to reclaim energy and confidence, this conversation shows you how to build the foundation for a longer, better life, not just more years on the clock. 📘 Learn more at hardertokillbook.com 🎧 Listen to Advised wherever you get your podcasts.

September 23, 2025Episode 4011 min

Purpose After Paycheck | What Are You Retiring To?

Retirement isn’t just about leaving your job behind, it’s about discovering what you’re retiring to. Too many people treat retirement like a permanent vacation, but without purpose, structure, and identity, those years can quickly turn into burnout, anxiety, or boredom. In this episode, we dive into how to prepare for life after the paycheck, why finding meaning matters more than money, and practical ways retirees can build a purposeful lifestyle. What you’ll learn in this episode: Why identity and career are so intertwined, and how to separate them The danger of treating retirement like an endless vacation How to uncover your “bucket list” and build around it Ways to retire to something, not just from work How to find purpose in volunteering, family, health, and community

September 18, 2025Episode 3926 min

How Your Home Shapes Energy, Stress, and Retirement

Discover how your home environment influences your health, mindset, and even your retirement transition. Download the Free Guide to Your Personal Energy: https://courses.elementalclarity.com/feng-shui In this episode of The Advised Podcast, I step outside the financial world to talk with Jeannette Ciezykowski, a personal life specialist and feng shui expert. We explore how your surroundings influence success, health, and fulfillment, especially when you’re stepping into retirement. You’ll learn: Why your space matters more than you think,at work, at home, and outdoors The surprising connection between clutter, energy, and stress Simple, practical feng shui changes you can make today How couples with different personalities can find balance in their shared space Ways to transition your home from a “time capsule” of the past to a supportive environment for new retirement memories 👉 Connect with Jeannette: Instagram & YouTube @ElementalClarity 👉 More retirement planning resources: @RickLuchini

September 16, 2025Episode 3816 min

When Saving Becomes a Prison: Why Retirees Struggle to Spend and How to Break Free

Are you afraid to spend money in retirement — even though you’ve saved diligently for decades? You’re not alone. Many retirees face a surprising challenge: shifting from saver to spender. In this episode of The Advised Podcast, Rick Luchini unpacks the psychology behind why it feels so hard to enjoy your money after years of disciplined saving. We talk about: Why the “middle-class millionaire” often struggles the most with spending The mindset shift needed to confidently move from accumulation to distribution How to balance enjoying bucket-list experiences with the fear of running out If you’ve ever worried about spending “too much” in retirement, this conversation will help you reframe your thinking and find the confidence to use your money with purpose.

September 9, 2025Episode 3719 min

Best Account to Save for Kids Explained

When it comes to saving for your kids’ future, the options can feel overwhelming—529 plans, UTMA accounts, taxable brokerage accounts, or just keeping the money in your own name. Which is best? And how do new tax law changes (like the SECURE Act 2.0 and the “Big Beautiful Bill”) change the conversation? In this episode, we break down: The pros and cons of 529 college savings plans (and how new rules make them more flexible than ever) Why UTMA/UGMA custodial accounts can be powerful—but also risky once kids gain control at 18 or 21 The case for simply saving in your own brokerage account and gifting later How grandparents, aunts, and uncles should think about gifting strategies for education The tax angles that make each option more or less attractive Whether you’re a new parent, soon-to-be grandparent, or just trying to figure out the smartest way to support your kids’ future, this conversation cuts through the confusion. 👉 Don’t just default to a 529 plan because Google says so. Understand the trade-offs, the flexibility, and the long-term tax impact.

September 2, 2025Episode 3610 min

Tax Accountant or Planner | Why Every Retiree Needs Both

When it comes to taxes in retirement, most people only think about last year’s return. But focusing only on history can cost you tens of thousands of dollars over your lifetime. In this episode, we break down the critical difference between a tax accountant (historian) and a tax planner, and why you may need both. You’ll learn why accountants often focus on minimizing taxes this year, while planners look decades ahead, helping you avoid April surprises, create flexibility, and reduce your lifetime tax bill. We’ll share real examples of clients who avoided five-figure tax shocks by planning just one to two years ahead—and why “no surprises” is one of the most valuable gifts in retirement planning. If you want to understand how proactive planning can save you stress, money, and headaches, this episode is for you.