Vol. 01 · Issue 04

The Smart Money — Weekly personal finance dispatches

Personal finance for people who want to be great with money — written by the friend who already is.

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Joining soonThe Retirement Coach

Linda Park

Spent a career helping people navigate the five years on either side of retirement. The most under-planned decade of most lives.

Retirement DeskFamily Finance Desk

About Linda

Linda writes about the human side of retirement — the identity shift, the spending recalibration, the Medicare maze, and the conversations most couples never quite have until it's late.

Her lane on the Retirement Desk is the softer stuff that has hard financial consequences: the go-go years, health care, housing decisions, and where to actually live.

In their own words

Retirement is a project, not a finish line.

Linda Park, The Retirement Coach

The money story

Linda spent her early career in HR benefits before pivoting to retirement transition coaching. Watched too many people hit 65 with a plan for the money and no plan for the life. Now she writes about both, because you can't separate them.

Signature playbook

The Five-Year Runway

The two-and-a-half years before and after retirement are the most consequential of the decade. Treat them as a distinct planning phase.

  1. 1

    Year -2: Test Drive

    Live for a year on projected retirement income. Find the gaps before they matter.

  2. 2

    Year -1: Health Setup

    Sort Medicare timing, supplemental coverage, and long-term care before the last paycheck.

  3. 3

    Year 0: The Handoff

    The identity shift. The calendar shift. The relationship shift. Named, planned, discussed.

  4. 4

    Year +1: The Recalibration

    First full year of actual spending, compared to plan. Adjust before habits set.

  5. 5

    Year +2: The Go-Go Plan

    The next ten years of health and energy get spent on purpose, or they get spent by accident.

A taste of the beat

Sample headlines from Linda's desk.

  • The five conversations every couple should have before one of them retires.
  • Medicare enrollment: the six-month window most people fumble.
  • The 'go-go, slow-go, no-go' spending model — and why the first phase is worth funding.

Rules I won't break

The non-negotiables — the things Linda refuses to recommend, no matter how good the pitch.

  • Never retire without a written weekly schedule for the first ninety days.
  • Never assume your spouse wants the same retirement you do.
  • Never delay long-term care planning past 60.

The weekly dispatch

One email.
Sunday morning.

The kind of financial advice you'd get from a friend who's already figured it out. No hot takes, no leaderboards, no affiliate hustle.

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