Are you a “time optimist” when it comes to retirement planning? In this episode, Bryan Gaiser breaks down how procrastination and underestimating timelines can sabotage your financial future. From missed savings opportunities to overlooked budgeting and tax strategies, Brian shares real-life examples and practical tips to help you take control—before it’s too late. Learn how small adjustments today can lead to big results tomorrow.   Schedule your complimentary appointment today: gaiserfinancial.com   Follow us on social media: Facebook | LinkedIn   Tune in to Wealth Thru Wisdom with Bryan Gaiser every Saturday at 10:00 AM on 94.5 WPTI. See omnystudio.com/listener for privacy information.

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