Prudential Chapter Two Video Series

Prudential has put together a pretty neat video series that they’ve called Chapter Two. Essentially, the videos highlight people that are currently retired and what they’re doing with the second chapter of their lives. The people highlighted in the videos have awesome stories to tell. To video all six of the videos, refresh the page and a new video will pop up. I’ve summarized the videos after the video player if you’d prefer to read about them.

If you do not see the video player below, please refresh the page to view the videos.









“Becoming A First-Time Director”: This video follows Carol Lewis, a retired postal worked. It shows a bit about her background and how she raised five kids as a single mother, but once she retired things got quiet around the house. Instead of just sitting around, she decided to go back to school for TV production and became a producer!

“Creating A New Teaching Method”: Yossie Ziff was once a teacher before starting and industrial cleaning business. He later retired from that business and was encouraged by a friend to go back to his teaching roots. He now is teaching children how to read and write. He’s inspired by them and compares it to riding a wave in surfing.

“Never Too Late To Become An Artist”: Mike Tiscia, a retired bank examiner, took 32 years to get back to what he really wanted to do, become a watercolor artist. He was able to get one of his paintings put up on the side of a building and had the honor of signing his name personally on the wall mural. How cool is that?

“Designing For Naomi Watts”: A retired real estate agent, Francesca Azzara once dreamed of designing clothing. In fact, her college degree and first job were both in designing. After having a child, she stayed at home and later rejoined the workforce as a real estate agent. Now that she’s retired, she’s returned to her passion of designing. She was fortunate enough to be able to design a dress for Naomi Watts that was worn at Cannes! That’s a Chapter Two to be proud of.

“Jennifer’s Symphony”: Jennifer McKinnley loves music, playing both cello and piano. She’s now retired at age 41 to help raise her most recent child that was diagnosed with Down Syndrome. She hopes to one day be able to play with a symphony again in her Chapter Two.

“Composing For A Film In Retirement”: Martin Welling was a professional musician early in his career, but he switched to a more stable job as an IT Director later in life. Now he’s retired and has returned to his roots for his Chapter Two. Martin has been working on composing music for TV commercials and other production pieces. It’s his goals and interests in music that keep him going.

What do you plan on doing in your Chapter Two? I’d love to hear about it in the comments.

Student Loan Debt Sucks But It Can Be Destroyed

student loan debtWhen my wife graduated from college with her four year nursing degree in 2011 she graduated with over $80,000 in student loan debt. It was a heavy burden for both my wife (girlfriend at the time) and myself. We knew it was a ton of debt and that it’d likely take a super long time to pay off.

Back then our minimum payments were right around $700 a month which was a ton of money. In fact, it was even more than our first ever house payment. We knew we wouldn’t want to pay that debt off for over a decade or longer, so instead of wallowing in our sorrows of our massive debt load we made a plan to pay it off as quick as possible.

Made A Budget

The first thing we did was make a budget. Since we weren’t married at the time, we actually made two budgets, one for myself and one for my wife. Our budget was pretty strict but it was in line with our #1 financial goal of destroying her student loan debt.

Any money that we ran into, whether it was a cash gift or our paycheck, that wasn’t in our budgeted spending got put immediately to pay off my wife’s student loans. The surplus in my budget got put into a savings account to pay her loans down once we got married. Sometimes we’d make as many as four payments to her highest interest rate student loan in one month!

Unfortunately, with just the income from our jobs it would still take many years to pay off the massive amount of student loan debt so we looked at ways to speed up the process. We found a couple ways to make more income that ended up helping us out a ton.

Finding Extra Income

We wanted the debt gone and the quickest way to pay more money toward that debt was to find extra income. Once Tori finally got a job we had her base income to put toward the student loan debt. I already had a job, but I was a salaried employee so I couldn’t work extra hours to earn more money.

Tori, however, was an hourly worked which meant she could pick up extra shifts at work to earn some more money. On top of that, if she worked over 80 hours in a pay period she earned overtime at 1.5 time her base pay which was pretty sweet. Tori picked up extra shifts when she could and we put all of the extra money toward extra student loan payments.

I wanted to help in the debt pay off journey, so I brainstormed some ways to earn some extra money. I got a new job that resulted in a higher salary and less hours which was pretty sweet. Working less allowed me to start doing something I had always wanted to do, start a blog.

I never thought it’d end up making money from my blog, but with a lot of hard work and a bit of luck we started making money! It was exciting because it meant I had found a way to contribute toward paying down the student loan debt.

Both sticking to our budget and finding extra income helped us to pay off Tori’s debt very quickly. In fact, we managed to finish paying off her student loans this year in less than 3 years total!

Did you graduate with ton of student loan debt, or did you graduate debt free like I did? Either way, I’d love to hear your stories about your money adventures. Shoot me an email (adventuringdollars at gmail dot com) or leave a comment below!

Photo courtesy of jscreationzs via

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