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July 10, 2025

S4E24 – How Becoming Empty Nesters Impacts Your Retirement

empty nest to retirement

When the kids move out and the house gets quieter, life—and your finances—enter a whole new chapter. In this episode, Dave and Nick talk about the often-overlooked financial opportunities (and pitfalls) that come with becoming an empty nester. From downsizing and budgeting to increasing retirement contributions or finally testing the snowbird lifestyle, this is your chance to reimagine the next stage of life.

What You’ll Learn

  • How becoming an empty nester creates new financial flexibility

  • Tips for reevaluating your budget, savings goals, and mortgage

  • Why this is a prime time to ramp up your retirement planning

  • The emotional (and financial) difference between “empty nester” and “off the payroll”

  • Why having honest conversations with your adult kids is more important than ever

  • How grandkids and geography might play into your future plans

  • Real stories from Dave and Nick’s own families

Listener Takeaway

Whether you’re already in the empty nest phase or you see it on the horizon, use this time intentionally. Make a plan. Talk to your spouse. Talk to your kids. And most of all—know how your choices today will shape your retirement tomorrow.


📞 Ready to Reassess?

At Shotwell Rutter Baer, it all starts with a no-pressure fit meeting. Visit srbadvisors.com or email us at info@srbadvisors.com to take the first step.

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