Fail to Plan, Plan to Fail Wendy sits down with Albert Lalonde of Kaizen Financial to talk about why planning ahead financially, emotionally, and spiritually is the key to aging with dignity. From real-life cost breakdowns to trusted contacts and faith-based priorities, this episode is all about empowering families to prepare before crisis hits.In this episode, Wendy Jones welcomes Albert Lalonde, CEO of Kaizen Financial, for a powerful and heartfelt conversation about the critical importance of planning—especially when it comes to aging, care needs, and financial stability. Albert believes “The best plan is the one with the most options,” and in today’s episode, he shares why failing to plan often leaves families scrambling in crisis. They dive into how values-based financial planning can reduce fear, preserve dignity, and actually provide emotional and spiritual peace.  Key Takeaways: Start with values, not numbers: Identify your top five personal values—family, faith, peace of mind, etc.—and build your plan around them. Have “the talk” early: Discuss care, housing, finances, and end-of-life wishes with loved ones before it’s urgent. Create a written plan: Written plans bring clarity, reduce anxiety, and open up options. Designate a trusted contact: Doesn’t have to be family. Choose someone who sees you regularly and can advocate if needed.  Spiritual + financial alignment: Budget for what brings you joy—including giving, tithing, or community involvement 📞 Albert Lalonde, Kaizen Financial 📱 Phone: 586-752-7008 🌐 Website: www.kaizenfinancialinc.com 🔔 Subscribe, Share, and Follow: Find us on YouTube at Next Steps 4 Seniors Subscribe to the podcast and share with anyone facing aging-related transitions.Learn more : https://nextsteps4seniors.com/See omnystudio.com/listener for privacy information.

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