ChooseFI · Monday, October 26, 2026
Gilbert discusses Dr. Riley Moynes' four phases of retirement, noting that 85% of retirees experience phase two, known as loss and lost. To avoid this disorienting transition, he argues that pre-retirees must experiment early with side ventures, hobbies, and Dan Halet's four Cs: contribution, creation, curiosity, and connection.
“Phase two is called loss and lost. And 85% of retirees go through that phase. And that phase is basically when you start feeling disoriented because all those other things you got from work besides the paycheck – You haven't thought about your relationships.”
“His four C's are contribution, creation, curiosity, there's that word again, and connection. And his argument in this article was if you focus on these four things, It will exponentially improve your retirement.”