Your retirement anxiety is lying to you.

A new study shows Americans expect to delay retirement by four years as the cost of living rises…and 4 in 10 aren't confident they'll have enough money to last. If that sent you into a spiral, this episode is your permission to exhale. Historian, real estate investor, and early retiree Joseph S. Moore, PhD, spent years stress-testing three centuries of American financial advice, and what he found will reframe the way you think about retirement. His new book, How to Get Rich in American History: 300 Years of Financial Advice That Worked (and Didn't), makes the case that retirement anxiety is nothing new, and that every generation that's felt it has ended up being fine. Chapters: 00:00 — Inflation didn't exist for 100 years 00:59 — Welcome & episode intro 02:14 — How a humanities professor retired a multimillionaire 03:28 — The financial wake-up call that changed everything 04:18 — What 10 years of researching American wealth revealed 05:56 — Is retirement anxiety actually new? 06:43 — The 1980s book that said Boomers would never retire 08:23 — Why today is the least risky time to build wealth 10:11 — Why Americans are now more risk-averse than ever 11:37 — Financial wisdom that felt ironclad — then failed completely 13:34 — Every modern money idea was invented between 1912–1920 15:13 — The "retirement stacking" strategy from history 16:38 — Why you don't need to diversify when you're young 18:44 — The case for rehabilitating annuities 20:33 — "Stocks always go up in the long run" — the problem with that 23:38 — Should you claim Social Security at 62? 26:04 — The FIRE movement's 300-year-old origins 29:25 — Be careful what you believe about early retirement 31:45 — His core message: you can still get ahead in America 33:41 — Book recommendation & wrap-up Resources & Links: 📖 Ready to turn your savings into a paycheck that lasts a lifetime? Pre-order Jean's new book, The Forever Paycheck, out September 9th: https://www.penguinrandomhouse.com/bo... 🧠 Join the HerMoney InvestingFixx Club: https://join.investingfixx.com/ 💬 Got a question for our next mailbag? Email us at [email protected] 🎧 Listen to the full episode on Apple Podcasts, Spotify, or wherever you get your podcasts: https://pod.link/1098802558 ❤️ Liked this episode? Give it a thumbs up and share with a friend who needs to hear it.