Think you’ve got time to plan for retirement? Think again. In this episode, John Scallan breaks down how procrastination, hidden 401(k) fees, and misunderstood annuities can quietly sabotage your financial future. From time optimists to costly investment missteps, learn why waiting could cost you thousands—and how to take action now. Whether you're just starting or already retired, this conversation offers practical strategies to build income that lasts and protect your legacy. For more information, please visit www.CypressFinancial.net! Follow us on social media: FacebookSee omnystudio.com/listener for privacy information.

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