Sometimes the smallest changes in our environment can dramatically shift the way we think, choose, and live. One subtle adjustment to something we use every day can break old patterns, quiet distractions, and help us act with more intention.

And the interesting thing is, these changes often go far beyond the original purpose—they can influence how we approach work, relationships, and even money. So today, we’ll be talking about how small, intentional changes—like stripping away distractions—can reshape not only our daily habits, but also the way we approach financial planning and life itself.

Today’s episode offers a different lens on money — one that goes beyond income, account balances, or net worth. We’re exploring the stages of financial life that shape how we live, spend, save, and feel about money.

It’s not just about how much you have, but what that money is doing for you — and what it’s freeing you from. Let’s get started.

If you're thinking about early retirement, there's one cost that tends to catch high earners off guard. The paycheck may stop, but your expenses certainly don’t — and one of the biggest line items is health insurance. What many don’t realize is that how you fund your lifestyle in retirement can dramatically affect what you pay for coverage. In today’s episode, we’re unpacking a planning strategy that could help you save tens of thousands of dollars before Medicare kicks in.