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!
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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: 👉...

Most people think financial planning starts with numbers. In reality, it starts with clarity.

In this episode, I break down the first pillar of the Plan First Financial Path, Clarify your goals and priorities. Before any investment, tax, or retirement strategy makes sense, you have to know what your money is actually for.

I explain why vague goals lead to reactive financial decisions, how priorities create meaningful tradeoffs, and why this first pillar sets the direction for every other part of your plan. We talk about the difference between dreaming and deciding, and how clarity helps align spending, saving, investing, and risk with what matters most to you.

This episode kicks off a seven-week series exploring each pillar of the Plan First Financial Path and explains why the plan always comes first, before trying to manipulate investments to reach a goal.

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: 👉...