The 100-Year Life: Is Your Retirement Plan Still Valid? [W&S 153, Sponsored by OCBC]

"How would you spend the extra 20 years?"
It's not a hypothetical question anymore; it's a demographic certainty.

We are all living longer, and the traditional three-stage life of *study, work, retire* is officially obsolete. But what does a 100-year life truly look like, and how do we prepare for a future that is fundamentally different from the one our parents knew?

Dive into the seismic shift of longevity, exploring the financial, career, and personal implications of a life that stretches far beyond the conventional timeline.

You’ll hear from:

• Sher-li Torrey, founder of Moms at Work, on navigating the caregiver years and reclaiming your life beyond them.
• Brandon Lee, Assistant Chief Executive of Workforce Singapore, on redesigning careers and embracing portfolio living in a 100-year lifespan.
• Pui Wah Loh, a “vintage” professional who retired at 61 and is now reshaping what it means to live with purpose in your third act.

We dive into:

• Why living longer means taking more risks especially when you’re younger.
• How to balance time, health, and wealth across different life stages.
• The power of experimentation, failure, and self-reflection in crafting a meaningful longer life.

Whether you’re in your 20s, navigating mid-life, or reimagining retirement, this conversation will challenge how you think about your future—and inspire you to design it with intention. Don’t miss this eye-opening discussion.

Tune in now and start rethinking your extra 20 years.

Disclaimer: The views and opinions expressed belong to the guest/content creator, and do not represent the views of OCBC Bank. The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

What We Discuss:

• 01:01 - As lifespans extend by ~20 years, how should we rethink how we manage life, career, and expectations?
• 03:19 - If we gain 20 extra years of life, how should that change the way we plan our finances and life roadmap?
• 10:44 - What do you truly want for yourself—especially knowing you’ll eventually return to living life for you again?
• 19:15 - How are you personally applying the “100-year life” mindset to the stage of life you’re in now?
• 22:56 - What’s the guiding theme or direction you’re shaping your next phase of life around?
• 27:27 - What does “planning for longevity” look like in real life—especially as you approach or enter retirement?
• 32:11 - If you were a millennial today, what would you do differently with your life and career (based on your experience)?
• 40:56 - If you’re in the sandwich generation, what should you be doing now to prepare for your own long-term longevity goals?
• 43:30 - If we’re conditioned to keep accumulating, how do we shift our mindset toward a meaningful “second act”?
• 48:19 - What are practical ways to deal with failure—emotionally and strategically—so it becomes part of growth?

Episode Resources:

• Spotify
• YouTube
• Apple podcast

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