Investing should support your plan, not drive it.

In this episode, I break down Pillar Four of the Plan First Financial Path, Invest with purpose. This pillar focuses on slowing down and being intentional about how and where you invest, instead of chasing speculative ideas or the next hot stock tip.

We talk about why time horizon matters, how different types of accounts serve different roles, and why short term money should be invested conservatively. I also explain why Roth accounts are often positioned more aggressively due to their long term, tax free growth potential, while money needed in the next five years may be better suited for cash, high yield savings, or CDs.

This episode also covers the importance of automation, setting up consistent contributions, and paying yourself first, so investing becomes a habit instead of an emotional decision.

When the plan dictates how you invest, emotion fades and purpose takes over. This episode explains why investing comes after clarity, foundation, and protection in a holistic financial plan.

investing with purpose, retirement investing, Roth IRA strategy, investment time horizon, personal finance podcast, plan first financial path, long term investing

Helping you to be wise with your money!
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A strong financial plan is not just about growth. It is about resilience.

In this episode, I break down Pillar Three of the Plan First Financial Path, Protect the plan. This pillar focuses on building safeguards that keep progress intact when life throws the unexpected your way.

We talk about the role of emergency funds, why credit cards are not a substitute for true cash reserves, and how insurance fits into a well-designed financial plan. I walk through how life insurance can be tied to specific goals like income replacement, mortgage protection, and college funding, and why coverage should evolve as responsibilities change.

This episode also explores the importance of disability insurance and long-term care planning, and how these tools are not about fear, but about protecting the plan you have already worked hard to build.

When protection is intentional, the rest of the plan can move forward with confidence. This episode explains why protecting the plan is a critical pillar before investing with purpose.

protect the plan, emergency fund planning, life insurance strategy, disability insurance planning, long term care planning, retirement risk management, financial planning podcast, plan first financial path

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
https://www.youtube.com/channel/UCbDA...

For more resources: 👉 https://wfa-nc.com/insights

📝 Get your Free Retirement Plan checkup
https://wfa-nc.com/retirement-plan-ch...

To schedule a complimentary consultation with me: 👉...

Last week, we talked about the first pillar of the Plan First Financial Path, Clarify your goals and priorities. Because once you know where you want to go, the next question becomes practical. Do your day to day money habits actually support those goals?

In this episode, I break down Pillar Two of the Plan First Financial Path, Build a foundation. This pillar is all about understanding where your money goes, knowing your true living expenses, and creating awareness around cash flow and debt.

We talk about simple ways to track spending using tools many people already have, how to identify where dollars are quietly leaking, and why awareness is not about restriction but control. I also walk through common approaches to debt reduction, including the snowball and avalanche methods, and how to choose the approach that actually keeps you consistent.

Without a clear foundation, it becomes very difficult to intentionally allocate your dollars, no matter how strong your goals or investment strategy may be. This episode explains why building a foundation is critical before moving on to investing with purpose.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
https://www.youtube.com/channel/UCbDA...

For more resources: 👉 https://wfa-nc.com/insights

📝 Get your Free Retirement Plan checkup
https://wfa-nc.com/retirement-plan-ch...

To schedule a complimentary consultation with me: 👉...