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Episode Notes
In this episode, I sit down with Chris Daems, a chartered financial planner and author of "What Happens Next: Ditching the Retirement Cliff for a Life Well Lived." We talk about the client story that changed how he views retirement forever - a man who quit his job the moment he learned he had "enough," only to text two days later asking if he needed to get a life. Chris shares his framework for figuring out what a life well lived actually looks like, practical advice on savings, pensions, and business owner tax strategies, and the origin of his Kindness Project - a podcast he started with his teenage daughter that grew into a bestselling book and raised £62,000 for charity.
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Video Chapters 00:00 - Introduction 00:28 - Comparing his book to Will's, and their shared philosophy 01:20 - The story of Mike: "you need to tell me I've got enough" 02:47 - Mike quits immediately after hearing the good news 03:29 - The model airplane text: "Do I need to get a life?" 04:33 - Realizing financial independence is only one part of a life well lived 05:27 - How Chris got into financial planning by accident 07:13 - What comes first: goals or money? 07:58 - The mistake most people make: picking an arbitrary number 09:14 - The Vonnegut and Heller story: "I know how much is enough" 10:00 - Defining financial independence 11:38 - The most common mistake: not thinking with your heart 13:12 - The Greek philosophers on wellbeing 14:19 - Why "retire" should mean "re-energize" 18:11 - The client who spent 30 years "climbing the wrong ladder" 19:20 - The concept of a North Star 19:57 - The question: "What would you do if you had all the money?" 20:36 - Watching his dad's relationship with money growing up 22:20 - The one piece of advice: just save 10% 23:03 - Making money young, and the "why save when I can earn more" trap 24:21 - Paying your future self first 24:46 - The accelerating savings technique 25:47 - The Automatic Millionaire and building habits that stick 28:21 - Saving for the kids without removing their motivation 29:39 - Using pensions to legitimately mitigate tax as a business owner 32:01 - Getting clear on "enough" as a second key habit 33:16 - Calculating your personal net worth 34:17 - Why your business, not your house, is probably your biggest asset 35:07 - Money as a tool, not a goal 36:16 - The difference between a financial planner and a financial advisor 37:55 - Direction over speed 38:27 - Design Your Life and the "wild card" question 39:37 - Incremental change and experimenting your way forward 40:06 - The ultimate success formula, and Chris's NEXT framework 41:10 - "Everybody's got a plan until they get hit in the face" 41:56 - His podcast "What Happens Next" and its growth 42:17 - What does kindness mean to him? 42:45 - The homeless man encounter that started it all 44:00 - Starting a podcast with his daughter Charlotte 44:56 - The blind app developer who built "Be My Eyes" 47:06 - Hitting rock bottom in 2019 and turning to a cathedral 48:32 - Finding a homeless man outside and getting him help 50:04 - Being resourceful with kindness, even without money 50:28 - The Kindness Calendar 51:03 - Bernadette Russell's marathon day acts of kindness 52:20 - Small, compounding acts of kindness 52:48 - Writing The Kindness Project book 53:16 - Starting with just 6 listeners a week 53:47 - Growing to a top 10 UK habits podcast on Spotify 54:37 - Why he chose to stop the podcast at its peak 55:24 - Donating £62,000 in book profits to charity 55:46 - Running the Brentwood Half Marathon and a charity boxing match 56:29 - How to connect with Chris 57:16 - Final reflection: the most important question to answer 58:09 - What you really want vs. what you think you can get 58:34 - The Five Whys technique explained 59:07 - Closing thoughts
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Relevant Links For the Viewer and Citations Website - https://www.willpolston.com Instagram - https://instagram.com/willpolston Facebook - https://www.facebook.com/willpolstonmih LinkedIn - https://www.linkedin.com/in/willpolston/ Twitter / X - https://x.com/willpolston TikTok - https://www.tiktok.com/@willpolston Check out Chris's website: https://www.whathappensnext.life Chris's financial planning website: https://www.cervellofp.co.uk/
About Me: I am dedicated to helping individuals and businesses unlock their true potential through expert coaching and training programs. I'm passionate about empowering others to achieve their dreams and live a life they love. Subscribe for more insights and tips on personal development, productivity, and achieving your goals. Let's embark on this journey together!
