You’ve always been told to save for retirement, but can you go too far? Is it actually possible to over-save for the future? In this insightful episode, Lee answers a compelling listener question about what happens when saving becomes so aggressive that it starts to limit your lifestyle today. He dives into the emotional and practical downsides of over-saving, the dangers of comparing yourself to others, and how to strike a balance for long-term fulfillment.

If you’re maxing out your retirement accounts and feel like you’re living paycheck to paycheck, this conversation is for you. Lee offers practical insights for building a financial plan that includes your bucket list, not just your retirement date. Financial security isn’t just about having enough money later, it’s also about making the most of your life now. Life is short. Let’s make sure your plan reflects that truth.

Here’s what we discuss in today’s show:

💸 Why “saving more” isn’t always the right answer

📅 The emotional cost of deferring joy until retirement

📉 Warning signs you might be sacrificing too much today

🏖️ How to build a plan that supports both now and later

📊 Why financial planning should include your bucket list

Want to set up a meeting with us? Visit us here: http://talkwithjp.com

Get more financial education at http://myretirementclarity.com

Graduation season isn’t just a time for caps, gowns, and celebrations, it’s a pivotal financial crossroads for many young adults stepping into independence. As they leave the classroom behind and enter the workforce, the financial decisions they make now can quietly shape the next 40 years of their lives. Today, Lee talks about why it’s so important for parents, grandparents, and mentors to help them lay a solid foundation, not just with money, but with mindset.

Listen in as Lee shares practical ways to equip recent graduates for long-term success. From starting an emergency fund to making early Roth IRA contributions, he outlines the key conversations and habits that matter most. He also reflects on real stories, including his own, and offers creative gift ideas for families who want to offer more than just a check.

Here’s what we discuss in today’s show:

🧠 Life lessons for financial independence at 22, not 52

💳 The sunglasses that taught Lee a credit card lesson

📈 Why your first paycheck is your best investment weapon

🔥 The two-fund strategy: emergency vs. “fun” money

🎁 Gift ideas for graduates that build wealth

Want to set up a meeting with us? Visit us here: http://talkwithjp.com

Get more financial education at http://myretirementclarity.com

The headlines are loud, the markets are messy, and your gut might be telling you to do something — anything — right now. If recent volatility has you feeling uneasy, you're not alone, but reacting the wrong way can cost you far more than a bumpy month in the markets. In this episode, Lee breaks down how tariffs and trade tensions are fueling market swings and what that really means for your retirement plans. He also shares practical steps to stay calm, stay invested, and keep your financial house in order.

You'll learn why short-term chaos often clouds long-term fundamentals, why diversification is more critical now than ever, and how emotional decisions derail otherwise solid strategies. Plus, you'll hear how past crises hold key lessons for investors today. Tune in to learn more about how to navigate times of market volatility and hold onto peace even when the headlines are telling you it’s time to panic.

Here’s what we discuss in today’s show:

🌍 How tariffs and trade wars impact your portfolio

📉 Why volatility spikes and why it’s normal

🏠 Building a strong financial "house" to weather storms

📊 The real power of diversification during chaos

🔮 Why patience beats prediction every time

Want to set up a meeting with us? Visit us here: http://talkwithjp.com

Get more financial education at http://myretirementclarity.com