What if procrastination is quietly costing you millions? In this episode, Joe Valenzuela and Julia Valenzuela unpack the time value of money, the dangers of delaying financial decisions, and how risk management can make or break your retirement. From the myth of “time optimists” to the power of algorithmic portfolios and spousal Social Security strategies, this episode is a wake-up call for anyone 10 to 20 years from retirement. Learn how to protect your future—before time runs out.

For more information, please visit ValenzuelaFinancial.com!

What if procrastination is quietly costing you millions? In this episode, Joe Valenzuela and Julia Valenzuela unpack the time value of money, the dangers of delaying financial decisions, and how risk management can make or break your retirement. From the myth of &ldquo;time optimists&rdquo; to the power of algorithmic portfolios and spousal Social Security strategies, this episode is a wake-up call for anyone 10 to 20 years from retirement. Learn how to protect your future&mdash;before time runs out.
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!

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