What if procrastination is quietly costing you millions? In this episode, Joe Valenzuela and Julia Valenzuela unpack the time value of money, the dangers of delaying financial decisions, and how risk management can make or break your retirement. From the myth of “time optimists” to the power of algorithmic portfolios and spousal Social Security strategies, this episode is a wake-up call for anyone 10 to 20 years from retirement. Learn how to protect your future—before time runs out. For more information, please visit ValenzuelaFinancial.com!See omnystudio.com/listener for privacy information.

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