道格豪斯:
从意图 & 同事工作室, 这不合适, 一个面向企业家的管理和金融服务播客, tenured business leaders and others who are ready to look beyond the suit and tie culture for meaningful measurable results. 我是道格·豪瑟. 在这个每周的播客中, thought leaders and business professionals break down complicated and mundane topics and give you the tips and insight you actually need to grow your business. 如果你还没有, 请点击订阅按钮，这样你就不会错过未来的剧集了, 如果你想获得更多的信息, 显示注释和独家内容, 请访问我们的网站WWW.reacpa.登录播客.com，并注册更新.
道格:
A wise yet fictional character once said, "Life is like a box of chocolates. 你永远不知道你会得到什么.“嗯，退休也是一样. 在某种程度上, you can 计划 and strategize and 计划 some more right up until the day you receive your last paycheck and still be shocked by how different your expectations were from reality.
今天, 我们要去追不合适的传奇, 戴夫·该隐, to learn what he's been up to since retiring from 意图 and the 播客 and find out if he could go back, 他会做什么不同的退休准备? 欢迎回到《安全的赌博软件》，戴夫.
戴夫·该隐:
Hey 道格, thanks for having us here, and I guess, congratulations for you. 这是你的第100集. 我听到了吗??
道格:
是的, my 100th as host and you were obviously the legend in this chair before me. 所以我们总共有将近300个. It's hard to believe, and that looking back on almost close to six years run here for this thing. 疯了,
戴夫:
这很好. 这个东西是... 我还记得写剧本的那天. 那是在都柏林的一个酒吧里. 我们认为这可能行得通, 但也可能不是, 300集之后, 你仍然很强壮. 干得好.
道格:
是啊，很难相信，而且还在不断发展. And obviously we've had to adapt through COVID here and we're going to be getting back to in-person here shortly, 这是我们都期待的. 你到底怎么了? How did you imagine your life once you walked out of the office here and what's it been like for you?
戴夫:
好吧, 我知道我的目标, on my list was I wanted to play a lot of golf and I wanted to play golf all year round. 所以我现在能够做到这一点. 我没说打得好，但打得好. 所以这是一件大事，退休也很酷. 我不得不说很酷. 当然, 我很想念雷亚的人, but 意图 was a tremendous springboard for me and maybe I can share some thoughts as I went into retirement. 我仍然在使用我从意图导师那里得到的一些培训.
道格:
好，好，像，如? 让我们来听听.
戴夫:
好吧, I would tell you that what made it very easy for me to go into retirement is I worked for a great company. 从一开始，意图就是一家很棒的公司. I spent 40 years there and that was certainly my goal to stay with one company and the leadership at 意图 gave me every opportunity to try different things, 从盒子里出来, 可以这么说，建立我的职业生涯，永远感激这些领导者. 我记得很清楚, 我不确定, 当然是和自己约会, 但在80年代, I still remember the meeting when 意图 introduced the 401k to the team 当然, 那时候没人知道401k是什么.
戴夫:
我觉得听起来挺酷的, 当然, 他们说, “看, 你在储蓄账户里存了一些钱. 我们会匹配一些, 这笔钱将在递延税中增加复利, 这听起来很不错. I took advantage of that, and I think that was one of the things way back... 我根本没想过退休的事, but just that benefit with that kind of company and the leaders had the forethought to put that benefit in for the employees was fantastic. 从我的理解，仍然走强，意图有很大的好处.
道格:
是的. 1986年的税收改革法案
戴夫:
我记得.
道格:
是啊，我也在和自己约会. 我也有同样的感觉, 戴夫，因为几周前我们在这里开了个合伙人会议, and one of my colleagues mentioned how she was with somebody professionally, at meeting and how t嘿 commented about their age and this individual graduated from college that same year this individual was born, 这个合作伙伴. I looked at her and I said, I won't name her name, but I said I was born that same year.
道格:
我也开始有这种感觉了. 经验带来智慧. 我们在讨论演出前的事, 我想是40多岁吧, 你开始真正意识到并铭记于心, all of the things that you've learned and you start to absorb that and really put it into practice. 至少对我来说是这样, 我总是觉得我不知道我要去哪里, 到处都在想不同的事情, 尝试不同的东西. You sort of get to a point where you care less about maybe about what others around you feel about you personally, 你只是, 我会说更透明, 真实而诚实, 至少我是这么觉得的. 在你的职业生涯中，你发现了吗
戴夫:
哦，当然. 我在此与大家分享一些故事. One of my favorite 意图 folks of all time is Chris Axene tax partner and he would always teach and coach us to do the 计划ning. The 计划ning was way more important than anything you could ever do because when you get in the 11th hour, 计划是一个小小的挑战. 所以我仔细考虑了一下, 大概是我职业生涯的最后十年吧, as I started to look to the future and whether I wanted to retire and it was 计划, 计划, 计划. It sounds like that's rather textbook, but it was actually pretty easy to put that in play. 当然, I've always surrounded myself with good advisors and that still exists today. 事实上, 我用的是意图搭档, 佩吉Minnig, and 秘鲁首都利马 to do my tax return and we currently use investment partners and 道格 Feller financial 计划ning, 我们在退休前已经做了好几年了.
戴夫:
沿着这条线, one of the things that I thought was pretty critical is that I'd introduced my wife, 黛比对那些顾问们说. 当然，我整个职业生涯都认识他们. 她不认识他们. 我想，我得做个介绍. So that was probably one of the first things we did as far as 计划ning is... 做这些介绍. So she k现在s a lot of the resources within the 意图 network that she can reach out if something would ever happen or we need advice. 我们仍然使用意图，暂时我们将继续使用Ray.
道格:
是啊，太好了. 步入退休后，什么让你感到惊讶? 人 give you all these lessons and you think, "Okay, I'm going to have all this free time. 我想确保我一直很忙，等等.“但是当你进入退休阶段时，最让你惊讶的是什么?
戴夫:
好吧, 我和很多人聊过很多朋友, 他们说, “哦,人, 你会觉得无聊的. 你只会觉得很无聊.“我发现我并没有感到无聊. 我总有事情要忙，不管是... 我大概抓了两三次高尔夫球杆. 当你觉得无聊的时候，你就去抓住那个司机. 所以我做到了，我喜欢上了烹饪，买了一个新的烤架. 当然, the pandemic, you're at home so you got to do a lot of things differently. 但我发现只是看看, I've done some things I'd never even thought we would do and boredom hasn't been part of the equation.
道格:
好. 这对你有好处. 你能出去旅行吗，能见到一些家人吗, 等等, 在这里度过温暖的冬天?
戴夫:
我们当然有，当然有, 这是计划的一部分, and the goal that we set up both financially and from a calendar standpoint is that we didn't want to travel. 当然, COVID took care of some of that, but we were still able to do it safely. We certainly didn't get see to our family members as much as we wanted to, but we would... 我不会说我们在急速前进. We had a lot of FaceTime time with them and got it together from a distance but we worked through that looking at day, 还不错. 没那么糟. 所以我们很享受，当然，温暖的天气也很好. 我们做一个温暖天气的活动.
道格:
好. 对你有好处.
戴夫:
当然, I always have a tendency to text some of the folks at 意图 right about April 13th. 告诉他们我不是在沙滩上就是在准备开球. 当然，我没有收到他们的太多消息. 我得到了一些表情符号，可能不是最令人愉快的表情符号, 但我一定会提醒他们, 我们和他们一起欢笑
道格:
这很好. 那么精神方面呢, 因为我知道这一点，因为我看到了这个企业主, 客户, 等等, 这是精神方面的问题, 当你突然离开你的生意或事业时, 你有心理准备吗? 我在这里当然有点涉及个人隐私, but can you share how you've tackled that and what that felt like for you just emotionally?
戴夫:
是的. 一开始在精神上离开是一个挑战. 我有很多朋友, whether t嘿 be employees or 客户 that you no longer got to see or talk to. 当然, 你可以给他们发邮件和短信, 这很困难，因为这是注册会计师业务的全部内容, 这些关系. 我想念那些最初在精神上造成伤害的人, 但我找到了与他们保持联系并关注他们的方法, 不管它是否开启, 并不是说我是Facebook的粉丝, 但我们会跟着生意走. 我们会顺道拜访. 这是精神上的部分. But I did have to work out of that because in the CPA business, you're always working deadlines. 每件事都有最后期限. 现在突然之间，你没有最后期限了. 很酷, 但是,嘿, 我的最后期限是, I had to have a lawn mowed by Wednesday at two o'clock and meals done by 5:30. 只是不同的截止日期，不同的事情.
戴夫:
我开始做一些我以前从未做过的不同的阅读. 当然，当你在做注册会计师的时候, 专业的东西, you're always reading journals and technology stuff and to step away from that and read other periodicals and stories and things that you hadn't studied before was neat. 我和我妻子都是... she retired a few years before I did, but we try to work on our health and our fitness. So we would do a lot of exercising together and listening to the music together just to relax and get the mental part into the retirement stage versus thinking back.
道格:
是的. 这是一个挑战. 听你这么说我很高兴, 但是,是的, 我可以考虑一下, 这不仅仅是你在工作的时间, 我们这些人, 显然在会计师事务所这样的职业中, 都是些技术问题, 商业方面的东西, all the other things that you try to absorb really outside of the office that are a part of what you do and who you are as well and to all of a sudden take some of that away too, 为自己的求知欲找到另一个出口是件好事, 可以这么说.
戴夫:
正确的. 再说一次，我们的很多朋友在我之前就退休了. 所以当我退休时, 他们已经在周二晚上出去玩，并且熬夜了, 我以前做不到的事情. 当我说要熬夜的时候，9点半，10点.
道格:
当然，[相声00:14:10]我完全理解.
戴夫:
是的. 我工作的时候，他们会说:“你得退休了. 我们可以做这个，这个和这个.“我会说，等一下. I can't do that until I'll retire, but I have some good friends that helped me get through it. In all honesty, 道格, after the first three months, it was pretty easy to adjust. 当然，我们一直很忙. Even today, I still go back and think about the financial aspects of retirement. And that's where an advisor like 道格 Feller has really helped us out to see a clear path and relax and not look at the market, 每天想出一些不同的策略. 他当然教我们研究我们的消费. 就像注册会计师业务一样，很多都很简单. Then you learn how much money you spend when you're going out to dinner or DoorDash or on your hobbies and stuff like that, 或者高尔夫. 打高尔夫有点贵
道格:
是的,绝对. 相声00:15:25 -
戴夫:
是的. 为了能打高尔夫球，我们关掉了电源. 但是道格，到目前为止，这是一个非常棒的资源. I guess you'd be remiss if you didn't step into retirement and worry about the financial part of it-
道格:
确定. 这很自然，对吧?
戴夫:
是的. 这就是为什么我之前提到401k对我们来说是天赐之物, and I don't k现在 where along the line that we decided we were going to commit to that, 但那是我职业生涯的早期. 再一次。, 我想是回到我和雷亚的导师那里, 我说这是一个很好的财务决定. 当然, both of our parents, my wife's parents and my parents outlived their savings. 我们都看到了，当然, 这对我们俩来说都有点粗暴，我们决定, “看, 我们不会尽我们所能去做. We're going to go have a good time, enjoy things but due diligence on our finances."
道格:
是的. 只是压力很大. 即使是我们这些从事金融服务行业的人, 不管你是谁, you can't help but think about it and you see situations like you mentioned, 我的家族里也有这样的人. 这与你有关，你想确定一下, 嘿, I'm doing the right things for our family and we want to make sure we can enjoy ourselves, 但你永远不会知道. 所以你试着在你身边找明智的顾问, as you suggested and not get into group think and make sure you're getting different perspective and just make the best decision for you.
戴夫:
是的. 沿着这条线, 我从一个好朋友那里得到的最好的建议之一是, 在我们退休前的几个月, 我们去找我们的法律顾问只是为了重做所有的文件, 遗嘱. Not that the will was a big deal, but the power of attorneys and the healthcare issues just in case. 完成之后，我松了一口气. 我必须告诉你, I think that was probably the one big relief is making sure that the beneficiaries are right on. 你的文件，养老金之类的东西, 当我为退休做准备的时候，这真是一大解脱.
道格:
它也帮助了你的家人, 因为他们知道, 你一直在想这件事, thinking about them and that it's less painful for everybody when the time comes certainly.
戴夫:
确定. We wanted to make all those decisions where we were both able to, and we took it out of their hands. 这就是我们的目标，我们做到了. 在那之后，我想我们就开始了. I'm still trying to get a match with some of the 意图 partners, golf match. 我认为,
道格:
我在.
戴夫:
你知道阿塞尼，我觉得他在躲起来. [相声00:18:40]我知道他在躲藏. 我记得上次我们和他们玩的时候, 我想我们把他们烤焦了一点，我想他们已经离开了. 他们一直保持距离.
道格:
我看看能不能把它们点燃一点.
戴夫:
祝你好运.
道格:
是的，我们会尽力的. 很高兴听到一切都很顺利. 所以我总是喜欢问这个问题. 很难相信你看起来棒极了, 你听起来很棒，你很享受这一切, 但如果你能回顾过去，做任何一件不同的事, 当你准备好了, 比如说你离开之前的五年, 你会做一些稍微不同或不那么不同的事情吗?
戴夫:
我不这么想。. 我一直在问自己，我们应该搬家吗? 比如，我们偶尔回首... 我们已经做了一些决定, 不, we're fine or I guess maybe put a little more money aside for that travel budget because we really want to start traveling again. 我们取消了一些东西, 但我什么都没看到, 回到规划概念, 在决定退休之前，我们试图检查所有的条件. 所以，我不这么认为. 我不认为有一件事我会做得不同.
道格:
我很感激, and I can certainly tell from being here and overlapping a bit with your time that you always had the best attitude and I always admired that. I think that shows 现在 that you've transitioned to retirement, you always had a... I think a good balance and a good outlook on spending time with people and making sure you did things beyond just the basics of the job let's say, 这很重要
戴夫:
正确的. 我想确保我试着回答你的问题，我会回去... From a career perspective and this is kind of where 意图 is at 现在 with the migrate and choose and be a specialist, 如果我能让时光倒流那么久, I probably would have picked more of a specialty than a general practitioner. Although again, my coaches and mentors is that that's the specialty as a generalist. 但我可能想要更专业一点. 这将是唯一的一件事，这甚至不是什么大不了的事. 我不会因此而失眠的. 这么说吧.
道格:
正确的. 对你有好处. 你不应该. 绝对. 戴夫，很感谢你能抽空跟我们聊聊. Every day that we're here doing the 播客, we think about you and you were legend in this seat. In terms of the 播客 world, I think you go by one name and that's Cain. 你就像王子或share. 你只有一个名字. 这就是你所需要的.
戴夫:
我需要一个符号.
道格:
是的. 你做. 你需要一个符号来配合，就像王子一样
戴夫:
谢谢，道格，当然，我想对雷亚人说一声. 我还是用“我们”，而不是“雷亚”
道格:
是的，你是.
戴夫:
事实上，我看到我们现在是全国第80大公司
道格:
是啊，很难相信.
戴夫:
这是神奇的. That's certainly a tribute to all the people at 意图 from top to bottom, and I miss the culture. 我想念那个品牌. 我从不错过截止日期. 我不怀念新的税法，但我怀念那里的文化. 这句话会伴随我的余生, 我还有雷亚之路, 市场部想要还给我们的一张小卡片, 老的[相声00:22:41]可能是90年代的. I still have the 意图 Way and I still try to follow that each and every day.
道格:
是的,绝对. 伟大的东西. 再次感谢你，戴夫和
戴夫:
欣赏它.
道格:
我期待着不久能在一起，一起去高尔夫球场. 听起来很有趣.
戴夫:
伟大的.
道格:
如果你想要更多的商业技巧和见解, 或者去听《安全的赌博软件》的前几集, 请访问我们的播客页面WWW.chinaqinyu.com/播客. 当你在那里的时候，注册独家内容和节目笔记. 感谢收听本周的节目. 一定要订阅苹果播客上的《安全的赌博软件》, 谷歌播客, 不管你现在在听我们说话, 包括YouTube. 我是道格·豪瑟. Join us next week for another Unsuitable interview from an industry profession.
