What if paying off your mortgage isn’t the finish line, but just the start of smarter financial choices? This episode explores the real cost of the American dream, why debt-free living means more than zero balances, and how self-directed brokerage accounts can reshape your retirement strategy. Joe Valenzuela and Julia Valenzuela break down family expenses, budgeting tips, and the importance of teaching kids about money.

For more information, please visit ValenzuelaFinancial.com!

What if paying off your mortgage isn&rsquo;t the finish line, but just the start of smarter financial choices? This episode explores the real cost of the American dream, why debt-free living means more than zero balances, and how self-directed brokerage accounts can reshape your retirement strategy. Joe Valenzuela and Julia Valenzuela break down family expenses, budgeting tips, and the importance of teaching kids about money.
For more information, please visit&nbsp;<a href="https://valenzuelafinancial.com/">ValenzuelaFinancial.com</a>!

Retirement in South Florida doesn’t start with heading to the beach. It starts with careful planning, attention to detail, and a keen eye for the finer points of a solid retirement plan.

That’s why Retire South Florida is your go-to source for all things retirement. Powered by Valenzuela Financial and hosted by president Joe Valenzuela, Retire South Florida dives into the data and looks at your retirement with a view toward sunny days, Magic City, and making the most of your future. Get started and listen today!

Retirement in South Florida doesn’t start with heading to the beach. It starts with careful planning, attention to detail, and a keen eye for the finer points of a solid retirement plan.
That’s why Retire South Florida is your go-to source for all things retirement. Powered by Valenzuela Financial and hosted by president Joe Valenzuela, Retire South Florida dives into the data and looks at your retirement with a view toward sunny days, Magic City, and making the most of your future. Get started and listen today!