From endurance running to retirement endurance.
Running taught me pacing, discipline and conserving energy for the later miles. Retirement planning, I realised, needs the same mindset. It is not about one big number. It is about whether your financial energy lasts the distance.
That one question started the Retirement Muse journey.
A marathon punishes poor pacing. Retirement does the same. Spend too aggressively early, underestimate the heat of inflation, ignore healthcare, or rely on a single optimistic outcome, and the later years become harder. Retirement Muse brings that endurance mindset into financial planning.
The NRI question
After decades abroad, the question was not simply whether to retire. It was whether returning home could be done with clarity and confidence.
The product noise
Different people pushed different products, but few explained lifestyle, inflation, healthcare, property and longevity in one view.
The research
I started studying what retirement actually requires: cash flows, corpus drawdown, sequence risk, FX, medical inflation and legacy.
The platform
Retirement Muse became a planning simulator for people who want clarity before they are sold anything.