It's Brian Preston, the money guy, restoring order to your financial chaos, retirement,

investing, taxes.

You've got financial questions, he's got financial answers.

It's Brian Preston, the money guy.

All right, this next question, Brian is from Phil.

Phil says, how does a person in their late 20s, early 30s know when they are retirement

rich and to focus more on their third bucket rather than their retirement accounts?

These guys are the best.

I want you to answer this question, but I want to box this a little bit because I get

so frustrated.

But frustrated in a kind, loving manner, when I have these young folks like, hey man,

I did a projection and I started continuing my 401k and I did a time value of money calculation

and I know that when I turned 65, my 401k is going to have like $4 million in there,

an I'm retirement rich.

And I'm like, dude, you're 25 years old.

You're still on like the beginning of your wealth building journey.

So often I see young folks and young folks who are well-intented, young folks who like

are thinking about the future, but they get overly focused on the future.

They get overly focused on, oh man, I need to think about how I'm allocating my assets

for when I'm 65.

When realistically, when you're 20s and 30s, I don't think that ought to be where your

focus is.

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