Financial planning is crucial for achieving financial stability and reaching long-term goals, yet many individuals struggle with it.

On this Through The Pines episode, we’ll discus some of the biggest reasons people fail to plan financially and what you can do about it, including…

• Procrastination
• Living Beyond One’s Means
• Emergency Expenses
• Fear of Investment or Risk Aversion
• No Clear Goals
• Mental or Psychological Barriers
• Poor Debt Management
• Lack of Discipline
• Life Changes and Lack of Adjustment
• Economic Conditions
• Over-reliance on One Income Source
• Neglecting Retirement Planning
• Not Seeking Professional Advice

Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while contemplating the mysteries of the universe, this is Through the Pines.

Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com

2023 & 2024 Forbes Best in State Wealth Management Teams For Utah -

Advisor Hub Fastest Growing Advisors to Watch under 1 Billion -

Receivers of the Ameriprise Client Experience Award -

Financial Advisors: Baxter, Smith & Associates

Contact: rex.m.baxter@ampf.com

Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates

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This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah.

Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia

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Through the Pines - Reminding you to use Yesterday’s Dollars to Finance Tomorrow’s Dreams.

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This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much.

Through the Pines Podcast Copyright, The Banyan Collective - 2025