By | December 18, 2019

When you last crunched your retirement numbers, did you find a huge, unsurmountable deficit that made you wish you could hide your head in the sand?

Do you know without a doubt that your ducks are in a row and ready for retirement?

Do you wish you leave your job now and have no fear of running out of money before you die?

If you answered “Yes” to any of the above questions, keep reading. Time is of the essence.

You are about to hear about our big, hairy audacious goal of helping folks who have reached as high as they are going in their career path, who would love to escape the rat race, to do just that by building a financial bridge to a satisfying, rewarding retirement.

For action takers, we’ll also show you how to get a free hour of our consulting time.

For a moment, picture yourself on a cliff looking at your destination on the other side of a ravine. How do you get to the other side? A bridge would be nice. Imagine this is your life, and your retirement is on the other side of the ravine. You need to design a bridge and build it to get to the other side. We are going to show you how and help you bridge the gap between where you are and the retirement you seek. 

You may or may not be familiar with our own retirement story. We left our jobs of 30+ years. David had been a pastor and Dana was a paralegal. David tells his story beautifully in our retirement webinar. Our next webinar should be coming soon. Be sure to be on the Wait List HERE. We retired to Mexico in 2016, as our own solution for bridging the gap, and now help others with their own transitions in life.

There are many of the baby-boom generation, maybe even you, nearing the end of your careers yet without the resources to retire at the age or in the manner you had expected.  Some of you may have even been down-sized or find yourself contemplating your job security in light of the economic downturn.

Even if you’ve got the resources for retirement, everyone should do a retirement analysis and be clear on the answers to these questions:

  • What kind of retirement will I be able to afford?
  • Will I be able to retire at all?

We believe that you can bridge the gap to an enjoyable, rewarding retirement.

~ David & Dana

Where are You on the Retirement Pyramid?

On the bottom of the pyramid are folks who haven’t given retirement a thought. They are clueless.

The next group is wondering will I ever be able to retire, and they are FEARFUL.

A third group feels a bit more confident of being able to retire, but still wonder what that retirement will look like … what they’ll be able to afford. It’s possible they’ll have to settle for something less than their dream.

Finally, on top are those folks who have prepared well, and have more than enough money, generational wealth that’s called. They’ll be leaving a legacy for their kids and grandkids. (If that’s you – you probably don’t need to read this article any farther. But feel free to share it with anyone you know that may not have the certainty you do about your financial health.)

You can move from oblivion to carefree if you follow a simple 3-phase process: Surveying Your Situation, Designing Your Bridge, Building Your Bridge.

We talk about all of these phases in our Your Bridge to Retirement webinar. Get on our WAIT LIST HERE for the next upcoming session.

The 3 Phases of Your Bridge to Retirement


Picture your destination.  We have a free gift for you HERE which is our Ideal Retirement worksheet. You will answer questions about your ideal retirement. You must survey the situation and determine what you want your retirement to look like. That’s a critical first step, so don’t rush through it. Questions like:

  • Where would you like to live?
  • Will you need to travel in order to see family and friends? How often?
  • What new experiences you dream of having? 
  • What projects will you pursue? And many others.

If you’re married, be sure each spouse completes a questionnaire individually. Then compare to build a common vision of your retirement.

Once you have an idea of what it will look like, determine what this will cost you. What ongoing expenses will you have? Be sure to account for additional travel and increased medical costs.

Review Your Current Financial Reality

You need now to get clear on your starting point, your current financial reality. You’ll need this to help you figure out what your own bridge to retirement will look like.

  • Check with Social Security and get an up-to-date copy of your yearly contributions and what income you can anticipate
  • If it fits for you, determine best strategy for when to take Social Security. We used the calculator developed by Larry Kotlicoff, Prof of Economics at Boston University, which knows all the rules and compares thousands of collection strategies; but there are several similar calculators available.
  • Do a complete audit of your current assets: investments, real property, pension funds, etc.
  • Similarly, do an audit of any liabilities you have: mortgages, car loans, credit cards, outstanding bills, etc.
  • Check with your financial advisor. Based on the above resources, determine what monthly income you can safely count on to fund your retirement.

Measure Your Financial Gap 

It’s time for a mindset check. What are you thinking now that you see where you are and where you want to be? Is it a big bridge you need to build? Are you thinking a small, footbridge type construction will suffice? It’s here you need to find clarity and let your positive attitude be your biggest asset. Simply put, do you see this world as rigged against you, filled with risk, a place with scarce resources? Or are you someone who see a world of abundance, filled with opportunities which call forth generosity?

Perhaps you’ve encountered failures and setbacks that leave you anxious, negative, and fearful.  Or, on the opposite end of the spectrum, you might picture Steve Jobs with his vision of endless possibilities.  Depending on your mindset, you may be raring to go, ready to tackle the gap between your vision and your current situation, or you may be feeling paralyzed and hopeless.  If you are intimidated by the challenge, ask yourself what limiting belief is holding you back.

So, you may need to take time to analyze your own limiting beliefs and replace them with liberating truths.  Then it’s time to start designing a bridge to a better future!

PHASE 2 – Design Your Bridge …

Assess the Skills You Bring.  What do you have to offer?

Design Your Bridge to Retirement

Make a list of your work experience, gifts, hobbies, and interests.  For example, you might have experience in management, enjoy playing guitar, and have an interest in sewing, interior design, or cookie decorating.  List out as many ideas as you can. Don’t limit yourself. Could you work part-time or occasionally doing consulting?  Or maybe build a new business, perhaps working online from home?

Identify the Problem You Solve. 

What problem can you solve? If you can solve a specific problem for someone or some business, you can probably make far more money than by selling your time. For example, could you show someone how to build a website or build a deck?  Or could you offer to do it for them? Could you offer to sew clothes or make alterations?  In an age where more people buy things directly off the rack, those skills are becoming increasingly valuable. 

There are a variety of ways to work “virtually,” that is from a computer in your home – from being a typist, accountant, or virtual assistant to building websites, building a network marketing business, or marketing online.

Discover Who You Can Help. 

To be successful with the foregoing steps, you need to be very clear and be specific in terms of who you are helping, also known as your “target market.”  Consider questions like …

  • How old are they?
  • Are they married or single?
  • Male, female, or couples?
  • Do they have Kids or Grandkids? Ages?
  • What is their Job/Profession?
  • What is their Education Level?
  • What are their Hobbies?
  • What are their hopes and dreams? What do they really want?
  • What are their biggest problems, challenges?

Once you figure out how and whom you can serve, you’ll need to figure out how to market to or attract the people who fit your criteria. Even my marketing friends have to admit that times are really changing due to the internet and our society’s need for instant gratification. That’s why good marketers are very clear on their target market, that is who they will serve.

PHASE 3 – Build Your Bridge

Build your audience

Bridge Construction

Whether you are selling your time, your expertise, or a physical product, you will need to build an audience of prospective clients or customers. In the prior step you identified who they are, now you have to go find them. The days of want-ads and yellow pages are pretty much over.  We, for example, are building our audience via Email, Twitter, Instagram, our Blog, Facebook, FB Messenger, etc. When you are first getting started, pick ONE platform and get really good at it before trying a second and third.

Don’t wait to start building your audience. The tendency is to wait until you have it all figured out, product designed, etc. Better practice is start building relationships with the people you can help. Become attractive to them. Do this from the start.

While you are building in numbers, be certain to engage with them as well. If you made a new friend at a party or at work, you wouldn’t just say hello and then never talk to them again. Start to share your wisdom with them to increase their trust in you.

Promote Your Product, Service, or Affiliate Products

This is a critical step in the bridge building phase. Now, if you already know what product or service you will provide, it’s time to begin promoting your offer. 

On the other hand, if you have no idea what product or service to provide, I’d like to suggest a few advantages of the digital economy and affiliate offers. We have a great article on Affiliate Marketing HERE.

Now I mention affiliate marketing not to suggest that’s the right direction for you, but only to show there are possibilities out there … even if you can’t think of them right off.

Bridge the Gap

You continue to build your bridge according to plans until you have a completed bridge. This process may take months or years depending on the bridge you design and the time you have available to build it. Upon completion, “Congratulations!  You’ve spanned the Gap with Your Bridge to Retirement.”

There you have it. As we said on the webinar you can do this all yourself if you choose. Of course, most people have great intentions, but will never follow through. We have a solution to keep you accountable and lead you through the process of designing Your Bridge to Retirement step-by-step.

If we were to personally escort you through the process, we’d have to charge our coaching fees and it would easily cost several thousand dollars! So, we’ve decided an 8-week group approach is more workable. In just 8 weeks, you can have a Complete Blueprint, Personalized for Your Desires and Your Circumstances!

You’ll remember we said “time was of the essence.” To get registered for our next webinar to get more details and sign up for our next group, add your name to the WAIT LIST HERE.

We’ll see you in the group! Happy Retirement!

David & Dana


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