Is your 401(k) working for you—or just stuck in place? This episode unpacks common retirement planning mistakes, market red flags, and why “prior planning pays” for your financial future. Julia Valenzuela shares real-world advice on maximizing your savings, tackling year-end checklists, and avoiding hidden pitfalls that can derail your roadmap to retirement. Discover how small habits and smart strategies can make a big difference.

For more information, please visit ValenzuelaFinancial.com!