Do you remember your high school sweetheart?  I remember.....all of them. Young "love" is exciting how often does it turn into true love, that lasts into retirement?  I found my true love, Shauna, in college. This year, we'll celebrate our 25th anniversary. When did you meet your true love?

In this week's journey to retirement story, we hear from true high school sweethearts, John and Patti.

Lessons Learned

• Your story matters. It’s great to hear couples have conversations based on the stories you share on this podcast.
• Retirement is more about having flexibility in what you do than simply not working.
• Fixing things yourself can save a lot of money and keep you engaged.
• Not knowing when retirement is possible and what it could look like is a central issues people struggle with.
• You and your retirement goals will evolve over time. It's important you have a nimble process to help you make good retirement decisions along the way.

John and Patti

• Patti age early 50’s and has worked for the same company of 28 years
• John works in the technical field
• They've dated since age 17 (how sweet is that??)
• Two grown Daughters
• Gearing up for retirement

What Does Retirement mean to you?

• Patti:  Retirement means doing a lot more things, doing the things I want to do. I don’t think I could not do something. It’s flexibility at an age when you can still enjoy it.
• John:  I’m kind of a do it your selfer. There’s really a lot of money to be saved by fixing things yourself. Retirement for me is going to be doing the things I want to do, on my terms. That in a nutshell is what I’m hoping for. I’ve got a laundry list of things I want to do.

What are you most excited about?

• John:  Right now I commute an hour each way. I’ll have 2 hours my day back just like that. There are some things I’ll probably be doing in my 70’s that I could never think I would do.
• Patti:  Moving to a warmer climate in the winter. Maybe downsizing our main home.

What are you most worried about?

John: Do I have enough money. Am I going to run out of money. That kind of thing.  I have a lot of things I’m planning on doing. Am I going to be able to do them?  Is my health going to be okay?

Patti: The worry for me would be managing the money properly so we have enough. We always worry about the health care costs. I think that will be a major cost that’s hard to predict.

How do you think your doing?

Based on the calculators we’ve run, I guess, we’re not panicking. We’re doing the best we can. If it means working longer that’s what we’ll do. If it means retiring earlier, that’s what we’ll do.

Do You Use a Financial Planner?

• We do a lot ourself.
• What I’m looking for is someone to help me with a plan to move forward, give us recommendation and Patti and I execute them.
• A lot of the places say we need to transfer all our money to this financial institution in order for them to manage it.

What is the worst financial decision you’ve ever made?

John: Before we got married…I read a book on penny stocks and I proved that book wrong.

What are some of the things you have to deal with personally when your managing your finances?

John: I think the biggest thing is…it’s (financial planning) not exciting. You can see it’s important but it’s not urgent so it doesn’t get the attention it desereves.

Patti: The budget part. John wants to stick to it more than I do. He wants it all documented whereas I know more of what I spent and what I didn’t.

What is the one resource that has had the most impact on your lives?

Patti: My parents. I think being brought up in a modest home and working at a young age…has made me into a conscientious spending adult.

How do you want to be remembered?

Patti: I’d like to be remembered for helping others and being a core part of the family.

John: For the positive experiences we’ve had together.

Have a question or want to share your story? Click Here.

You'd never intentionally make a stupid investment for your retirement. Yet, most of us do everyday. We invest or should I say digest horrible things into our body. Over time these bad "investments" rob us of the most important thing in retirement, our health, and potentially give us a huge negative return in the form of high health care expenses. Luckily, there are some simple things you can do now to create a healthy retirement.

Simple Investments to Create a Healthier Retirement.

Pharmacist, Phil Carson of carsonnatural.com has counseled patients for years on medications to treat their health problems. Over those years, he's seen the long-term effects of treating symptoms and not the causes of common health issues.

In this episode he shares his simple advice to create a healthier retirement.

Highlights From Our Conversation

 "I want to help those that are half living to learn that they can live fully alive."

"You get to that point when your retired and you don’t want to end up spending all of your money on health care. You have this nice nest egg and they start to see it dwindle away because they have to spend so much on healthcare because they didn’t do what was necessary before hand."

"Be proactive. Don’t wait until your dealing with a health issue like high blood pressure or cholesterol ."

"What I see a lot are people at retirement age that have been working to build up that nest egg, waiting to retire. When they finally retire and then they get sick because they’ve pushed themselves so hard. They failed to stop to thing and be proactive in taking care of their body."

"When your talking about health and being proactive and taking care of your body, I look at that as an investment in your future."

"It’s not just about the quantity of life, you’ve got to think about the quality."

"A lot of medications are designed to just treat symptoms. They’re not designed to treat the underlying cause."

Don’t just look at treating symptoms, treat the cause."

"The majority of people with high chlorestorol issues, its because of their lifestyle problems"

5 Simple Health Investments to Make Now

• DRINK WATER (one half your body weight in ounces).
• Get source minerals from spring water or supplements.
• Replace electrolytes.
• Eat more food instead of food products.
• Exercise.

Diagnosed with Diabetes or Pre-Diabetes?

Facts From Dr. Phil Carson

• 29 million diagnosed with diabetes
• 86 million diagnosed with pre-diabetes
• Statistics show that if within 5 years, these folks don’t make some type of lifestyle changes they will be in a diabetic state.
• Making lifestyle modifications can help turn things around for most that have been diagnosed with pre-diabietes.
• A health coach can make all the difference in helping you make lifestyle habits.
• A lot of times we need that person to come along side us to give us that nudge and help keep us on track.

Find More From Phil Carson Here