Episode 95: Healthy, Happy & Financially Fit: God’s Blueprint for a Thriving Retirement

In this week’s episode, Jay Peroni, CFP® dives into a powerful theme: building a retirement that is healthy, joyful, purposeful, and financially fit. As Jay reminds listeners, retirement isn’t a finish line, it’s a new starting line. Scripture affirms that “They will still bear fruit in old age” (Psalm 92), and this episode unpacks what it means to thrive in this season.

Jay begins by revealing the biggest mistake many retirees make: separating their physical health from their financial health. Staying healthy reduces medical bills, long-term care costs, and medication expenses, while creating more time and energy for family, ministry, and purpose. Jay shares the story of Dave, a client who improved his health and saved over $120,000 over his retirement simply by adopting healthier habits.

Long-term care planning is another major theme. With 70% of retirees needing some form of care, Jay outlines practical strategies beyond traditional LTC insurance, such as hybrid life policies, annuities with care benefits, and dedicated investment buckets.

Listeners also get an inside look at Jay’s popular Screen & Clean™ process, a values-based review that identifies investments misaligned with biblical principles or hidden financial risks. Jay explains why ethical investing isn’t just spiritual, it reduces litigation risk, improves long-term performance, and brings lasting peace of mind.

In the second half of the episode, Tom and Jay explore retirement identity, routines, hobbies, financial stress, entrepreneurship, and true diversification. Jay emphasizes that purpose, structure, and intentional living are essential to emotional and spiritual health in retirement.

The episode closes with a clear call to action: schedule a FREE Screen & Clean™ portfolio review at faithandretirement.com or call 800-270-7310 to create a retirement plan that supports your health, honors your values, and strengthens your financial future.