🚨$250k+ household income and $500k+ assets...? You’re ready for a personalized plan! Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/

Want confidence that your retirement plan ACTUALLY works? Get it inside my Financial Harmony™ membership ($115/month) 👉 https://www.concurrentfp.com/financial-harmony-membership/

Take the Gen X Retirement Readiness Quiz...📊 https://concurrentfp.typeform.com/genx-scorecard
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You can make six figures, max your 401(k), and still feel broke inside.

A 2024 NerdWallet poll found 47% of Americans lack financial confidence — and even high earners say they “should be further along.” But your problem might not be income. It might be alignment.

In this episode, Dr. Preston Cherry shares the Five Permissions of Wealth™ — a powerful framework that replaces guilt, comparison, and confusion with clarity, confidence, and control. You’ll learn how to rewrite limiting money beliefs, align your spending with meaning, and plan from your story — not just your spreadsheets.

Ready to stop feeling behind and start living your wealth, your way? Take the Retirement Readiness Quiz, join our Financial Harmony™ membership, or schedule your no-cost good fit meeting below.

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Ready to align your wealth with your well-being? Here’s where to start:

1️⃣ Take the Financial Harmony™ Quiz - See your Retirement Readiness Scorecard and discover where your plan and purpose meet. https://www.concurrentfp.com/financial-harmony-membership/

2️⃣ Join the Financial Harmony™ Membership - Go deeper with group-based fiduciary guidance, interactive workshops, and community support built for high-income Gen X professionals. https://www.concurrentfp.com/financial-harmony-membership/

3️⃣ Explore all-inclusive flat-fee financial planning services - If your needs require customized 1:1 planning, schedule a no-cost good fit meeting to see how Concurrent Wealth Management can help you design a personalized plan aligned with your values and goals. https://www.concurrentfp.com/

4️⃣ Subscribe & Stay Connected for weekly episodes that help you live your wealth, your way. @DrPrestonCherry
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TIMECODES:
00:00 - Introduction
00:13 - Feel Guilty About How You Spend Your Money?
00:34 - Why You Don’t Feel Financially Confident
01:05 - Mindset & Money Shifts Which Help You Feel Confident
01:49 - How To Stop Feeling Financially Stuck
04:19 - The Framework That Aligns Your Money With Your Mindset
05:24 - How to Build True Financial Confidence
06:35 - Align Your Money To Your Purpose
07:20 - Moment to Check In
07:47 - Align Spending With What Actually Matters to You
09:19 - Adapt Your Finances to Life’s Changing Seasons
10:27 - Your Story Shapes Your Financial Strategy
11:51 - Outro

financial harmony, Gen X retirement, money psychology, wealth and well-being, retirement planning, tax planning, investing for gen x, money mindset, financial wellness, personal finance

#FinancialHarmony #MoneyMindset #FinancialConfidence #WealthMindset #FinancialTherapy #GenXWealth #BehavioralFinance #MoneyBeliefs #PurposeDrivenWealth #FinancialPlanning

🚨$250k+ household income and $500k+ assets...? You’re ready for a personalized plan! Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/

Want confidence that your retirement plan ACTUALLY works? Get it inside my Financial Harmony™ membership ($115/month) 👉 https://www.concurrentfp.com/financial-harmony-membership/

Take the Gen X Retirement Readiness Quiz...📊 https://concurrentfp.typeform.com/genx-scorecard

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Over 50? Watch This — You’ll Catch Up on Your Retirement

Starting in 2026, if you earn $145,000 or more, your 401(k) catch-up contributions MUST go into a Roth - not pre-tax like before.

That’s not just a big tax change - it’s a huge opportunity for late starters in their 50s and early 60s.

If you’re between 50 and 63, this video walks you through the 5 exact steps to turn this new law into a retirement catch-up plan that works - even if you feel behind.

You’ll learn how to use super catch-ups (up to $34,750/year!), layer in Roth and brokerage savings, build a “retirement bridge” before Medicare or Social Security kicks in, and invest with confidence - not confusion.

Forget feeling late. This is your decade to win.

In this episode, Dr. Preston Cherry (Financial Planning Ph.D., CFP®, Top 10 Investopedia Advisor, and Founder of Concurrent Wealth Management) breaks down the 2025-2026 contribution limits, smart Roth planning, tax-efficient savings buckets, and how to actually retire on your terms.
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What You’ll Learn in This Video 👇
✅ The 2026 Roth catch-up rule for high earners (and why it matters)
✅ How to contribute up to $34,750/year - even if you’re starting late
✅ How to sequence savings across 401(k), Roth, HSA & brokerage
✅ Why tax diversification beats “just save more” in your 50s
✅ The “brokerage bridge” strategy to retire before Medicare
✅ How to smooth your income in early retirement without tax spikes
✅ How to build a 90-day and annual rhythm that compounds confidence

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Who Is This Video For?
📌 Gen X (50s - early 60s) professionals preparing for retirement
📌 High-income households earning $145K+
📌 Couples wondering if it’s “too late” to catch up
📌 Anyone confused by Roth rules, catch-ups, and tax strategy
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🚨 Gen X, older millennials & pre/early retirees, with $250k+ household income and $500k+ assets... Ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/

Want clarity & control around your plan - without $6K+ annual advisor fees? Join my Financial Harmony™ membership for $115/month 👉 https://www.concurrentfp.com/financial-harmony-membership/

Take the Gen X Retirement Readiness Quiz...📊 https://concurrentfp.typeform.com/genx-scorecard

👉 Subscribe for weekly, values-aligned wealth insights: @DrPrestonCherry

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Keywords linking to this topic:
401(k) catch-up rule 2026, Roth catch-up, Gen X retirement planning, SECURE Act 2.0, high income retirement strategies, Roth 401(k) for high earners, brokerage bridge retirement, tax diversification, retirement sequencing, retirement catch-up plan, Preston Cherry, Concurrent Wealth Management, fiduciary flat-fee planner, retirement clarity, tax planning over 50, financial rhythm, financial harmony, life money balance

#Roth401k #RetirementPlanning #GenX #CatchUpContributions #SecureAct2 #PrestonCherry #FlatFeeFiduciary #FinancialHarmony #LifeMoneyBalance #RetirementOver50 #TaxSmartRetirement #BrokerageBridge #RothConversion #TaxBuckets #ClarityConfidenceCadence #SmartRetirementSteps

🚨 Gen X, older millennials & pre/early retirees, with $250k+ household income and $500k+ assets... Are you ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/

Want confidence that your retirement plan ACTUALLY works - without paying $6K+ a year? Get it inside my Financial Harmony™ membership for just $115/month 👉 https://www.concurrentfp.com/financial-harmony-membership/

Take the Gen X Retirement Readiness Quiz...📊 https://concurrentfp.typeform.com/genx-scorecard
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Most people think retirement plans fail because of the market, taxes, or not saving enough. Those are big - but not the real reason most plans quietly fall apart.

In this episode, Dr. Preston Cherry (Financial Planning Ph.D., CFP®, Top 10 Investopedia Advisor, and Founder of Concurrent Wealth Management) reveals the real breakdown point in most life and retirement plans: misalignment.

When your money no longer supports your actual life - your values, time, and energy - everything starts to fray. You’re doing all the “responsible” things, but feeling stuck in decision fatigue and endless money tweaks that never feel done.

This episode shows you how to re-center your plan using Clarity, Confidence, Cadence, and Control - and introduces the 90-second reset that’s already helped dozens of Gen X professionals feel peace around money again.

If you’re juggling careers, kids, aging parents, and still trying to “optimize” retirement in the background - this one’s for you.

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What You’ll Learn in This Video 👇
✅ Why most plans fail before the market drops - and what to watch for instead
✅ How financial noise (media, pressure, “rules”) paralyzes decision-making
✅ The silent tax of decision fatigue - and how it shows up in everyday finances
✅ The 3 major drifts that derail your rhythm: cash, calendar, and cognition
✅ A 90-second reset to align your season, values, and spending with zero spreadsheets
✅ Two tiny tweaks that boost clarity & control (fun card + automating the boring)
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Who Is This Video For?
📌 Gen X (40s - 50s - early 60s) professionals preparing for retirement
📌 High-achieving households juggling multiple financial priorities
📌 Couples trying to align money conversations with actual life
📌 Anyone tired of advice that feels like pressure instead of peace

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🚨 Gen X, older millennials & pre/early retirees, with $250k+ household income and $500k+ assets... Are you ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/

Want confidence that your retirement plan ACTUALLY works - without paying $6K+ a year? Get it inside my Financial Harmony™ membership for just $115/month 👉 https://www.concurrentfp.com/financial-harmony-membership/

Take the Gen X Retirement Readiness Quiz...📊
https://concurrentfp.typeform.com/genx-scorecard

👉 Subscribe for weekly, values-aligned wealth insights: @DrPrestonCherry
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Keywords linking to this topic:
retirement plan failure, financial alignment, Gen X retirement planning, decision fatigue, cash flow planning, retirement clarity, values-based planning, money mindset, 90-second reset, money cadence, spending buckets, financial harmony, retirement rhythm, financial therapy, retirement stress, automate finances, clarity and control, plan vs real life, fiduciary flat-fee planner

#RetirementPlanning #GenX #FinancialHarmony #MoneyMindset #DecisionFatigue #FinancialAlignment #CashFlowPlanning #LifeMoneyBalance #FlatFeePlanner #RetireOnTime #ClarityConfidenceCadence #ValuesBasedPlanning #FinancialTherapist #PrestonCherry #WealthInTheKeyOfLife