You're listening to TED Talks Daily, where we bring you new ideas to spark your curiosity every day.
I'm your host, Elise Hu.
Before you make your next big decision, imagine yourself at the end of your life.
Are you proud of how you lived?
I was 22 years old and I had this insane opportunity to take all my meager savings and buy a hostel in San Jose, Costa Rica.
Now, there are about a thousand what-ifs and what-can-go-wrongs with a decision like this.
So, with the cellars on the phone, like an actual corded phone, I sat on a bed, closed my eyes and I asked myself what would my future self think?
That's private wealth advisor Lauren Dealy.
In today's talk, she shares why connecting with your future self can transform the way you approach the choices you make about your money and career.
It can bring more clarity, joy, and intention to the life you're building.
Now I believe the purpose of life is to be able to get to the end and look back and say damn, I lived that one.
This talk is made in partnership with Northwestern Mutual.
It's coming up right after a short break.
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And now, our TED Talk of the day.
I want you to imagine yourself on your deathbed.
But you're smiling.
Your soul is exhausted and full.
What do you look like?
What are you wearing?
Who's with you?
Where are you?
Everything in my life that I'm most proud of I can attribute to conversations that I've had with someone very important to me.
Her name is Deathbed Dealey.
Let me explain.
I have this deep, crystal-clear relationship with my future deathbed self.
She has deep smile, lines from a lifetime spent laughing, leathery skin from spending so much time outside.
Long gray hair.
And before you think I'm crazy for talking to my deathbed self, There's actual research to back up this approach to making big, bold decisions.
Hal Hirschfield, the UCLA psychologist and professor, has shown that our brains actually treat our future selves as a completely separate person from our today self.
And this can make it really hard to make decisions that benefit our long-term well-being.
And his research also showed that when we can stay connected to our future selves, we often lead more fulfilling lives.
So for me, Deathbed Dealey isn't another person.
She's me, I'm her right now.
And our conversations have led me on a wild path that so far has taken me to a career where I get to help other people talk to their own deathbed selves.
And no, I'm not a late-night TV psychic.
I work in financial planning and wealth management.
I know, it's not what I was expecting either, but hear me out.
My career is about so much more than just managing your money.
It's about helping you envision your future self, to get to know him or her or them and then be their advocate, so that today you can go make big, bold decisions.
But let's back up.
The first time I met Deathbed Dealey, I was 22 years old and I had this insane opportunity to take all my meager savings and buy a hostel in San Jose, Costa Rica.
Now, there are about a thousand what-ifs and what-can-go-wrongs with a decision like this.
So, with the sellers on the phone like an actual corded phone, I sat on a bed, closed my eyes and I asked myself what would my future self think?
And then I saw her.
Laugh lines, gray hair, aspen trees out the window.
I imagined walking away from the deal and there was this look of deep disappointment on DeafBedDealie's face.
And then I imagined saying yes.
She got this wry little smile, and this sense of deep, powerful, calm energy filled my body.
The choice was clear.
I was buying a hostel.
Now, fast forward.
A few years ago, I got a call from two friends of a great client.
To protect their privacy, we'll call them Alex and Avery.
Alex and Avery had just experienced the sudden passing of a dear friend, just hours after they'd been skiing together.
Their friend was 62 years old.
And this awakened something in them that they had known for quite some time.
The typical plan of work until 65, then retire, then finally live was wrong for them.
What they wanted was to work until age 55, take a 10-year pre-retirement, spending time with the people they love, doing the things that they love.
Then they'd go back to the workforce at age 65 in novel, low-stress jobs.
This is my catnip.
So we sat down, we put a plan in place that was personalized to them.
And what I can tell you is that, as they're moving towards this goal, they are experiencing more joy, more spaciousness, because they're on a path that's right for their future selves.
Now, back in the pandemic, I got a call from one of my favorite people in the whole world.
We'll call her Lil.
Lil's life had just fallen apart, her words.
She'd been living in Vermont teaching art when suddenly the world shut down and her mother passed away.
So she goes out to the West Coast to visit some friends.
She stops into a little shop that she'd known for years.
The shop owner was also struggling, pandemic, and offered Lil the chance to take over the business.
Now, for most people, buying a retail business in the middle of a global shutdown would be a hard no.
But Lil said yes, instantly.
She had no plan, no idea how it would work out, no business experience.
But when she got quiet and thought about her future it was an immediate hell yes.
So we got to work.
We mapped out the cash flow needs, the runway, the safety net, the investment plan we'd leg into as the business started to succeed.
And now, five years later, I can tell you the shop is thriving.
From that moment in the pandemic, Lil's life has exploded in abundance, in ways that I don't think either of us could have imagined.
All because she followed that one clear yes from her future self.
Now I believe the purpose of life is to be able to get to the end and look back and say damn, I lived that one.
And that starts with having better conversations.
Go find a financial partner who will meet you where you're at, ask better questions listen, who will help you get to know your future self and be their advocate.
And most importantly, go talk to your deathbed selves.
Our deathbed selves are so attuned to our core values that when we really take the time to envision and relate to who we will be in that moment when the veil between this life and the next gets thin,
We act according to what really matters to our soul.
And when we make decisions with that framework, we will all have the joy of looking back on our lives exhausted, smiling and ready for the next adventure.
Thank you.
Thank you.
That was Lauren Dealy at TED Next 2025.
If you're curious about Ted's curation, find out more at ted.com slash curation guidelines.
And that's it for today.
TED Talks Daily is part of the TED Audio Collective.
This talk was fact-checked by the TED Research Team and produced and edited by our team Martha Estefanos, Oliver Friedman, Brian Green, Lucy Little and Tansika Sangmarnivong.
This episode was mixed by Lucy Little.
Additional support from Emma Taubner and Daniela Balarezo.
I'm Elise Hu.
I'll be back tomorrow with a fresh idea for your feed.
Thanks for listening.
