If you could sit down with your future self, decades older, much wiser, what advice do you think you would give you? Well, it's impossible to tell. We're not there, of course, but what we can do is we can learn those same lessons that people decades ahead of us would give to themselves in our exact situation. And that's exactly what we're going to do today. What I'm going to do is I'm going to take the lessons that clients of mine in their 70s and 80s would have shared with their younger selves, their 50-year-old, 60-year-old selves to say, how can you go back? What would I do if I could go back to make the most of that time in my life? And one of these lessons in particular hit me personally a bit hard because I realize this is something I need to be much better at. And what I started to realize is, while I thought these were going to be retirement lessons, they're so much bigger than that. These are life lessons that yes, they're geared towards people in their 50s and 60s, but they're universal in the sense that anyone at any age can gain tremendous wisdom by paying close attention to this advice has been shared. So there's three key lessons that I've distilled from listening to clients far ahead of me and even far ahead of many of you if you're in your 50s and 60s listening to this. And to start, to set the stage for what that advice looks like, it starts with understanding that there's different types of wealth. Don't think of wealth just in the sense of money. Start by thinking through wealth in the sense of there's financial wealth. There's time wealth and there's health wealth. There's others. Let's focus on these three. To start with, let's look at financial. We think this is all there is. As we're growing our portfolies, preparing for retirement, the more money I have, the better off I'm going to be, and to an extent that could be true, but that's just financial wealth. Think of your 401k balance. Think of your bank account

balance. Think of your bank account balance. Think of your total net worth. That's financial wealth. And that's what so much retirement planning is focused on. But we also have to think of time wealth. Think of Warren Buffett. Warren Buffett's 95 years old and he's worth $150 billion. Would you trade

places with Warren Buffett? Probably not. Doesn't matter how much money you have if your time

remaining on this planet is not that long. There's not much you can do with it. Now, he's had a long,

wonderful life, but would you trade places with him at this point today? The answer is probably no.

Well, what about health? There's a common saying.

A healthy man has a thousand desires, but a sick man just one. So what can we take from that quote?

Well, let's use Warren Buffett's net worth again. Would you take that net worth if you live the rest of

your life in chronic pain? If you are too sick to get out of bed and to be mobile and to do the

things that you want to do the things

that you want to do, probably not. So yes, financial wealth is a pillar of a successful

retirement, but not if we're not paying equal attention to our time wealth, to our health wealth,

and how do we optimize for those? So here's the first piece of advice that clients in their 70s and 80s

would give to themselves back in their 50s and 80s would give to themselves

back in their 50s or even early 60s. They would encourage their younger selves to think

equally as hard about their time remaining in their health as much as they did about their

financial wealth. If you're in your 50s and 60s, chances are good retirements on the horizon

and what you're thinking through is social security strategies, tax optimization strategies, how much money do I need to retire? And that becomes a

core focus. And I think we all fall into this trap. I think that in general, if we think of finances,

if we think of time, if we think of health, early on in your life, you have two of those things,

but not the third. Early on in life, you've probably got a lot of time and you've got a lot of health, but you probably don't have a whole lot of money. Then you get to middle life. Maybe you have the money. Maybe you have your health, but you don't have a whole lot of time. I think about this. Mid-career, I've got a family, I've got a growing business. A lot of my time, maybe all my time, goes into the business and goes into being present and spending time with my wife and my two

children. There's not a lot of time outside of that. This is a very busy time in life. Now let's fast forward to maybe where many of you are are approaching in this video. You maybe have your finances and orders. You have financial wealth. You maybe even have your time wealth. You have your time back. You're no longer raising children. You have the ability to do what you want with your time. But your health is potentially starting to deteriorate. So what do we do with all this? Well, what we do with all this is we recognize this. And we recognize that we have the opportunity to carve out this time in our lives. We have the opportunity, typically, in our 50s and 60s to say

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