What if draining your retirement savings for today’s emergencies means sacrificing tomorrow’s dreams? This episode with Joe and Julia Valenzuela explores the hidden risks of early withdrawals, the emotional traps of “want vs. need,” and the impact of financial decisions on legacy and family. Learn why having a clear roadmap matters, how spendaphobia can hold you back, and why understanding your boundaries is crucial for lasting security. Real stories and practical insights reveal how to balance living well now with protecting your future.

For more information, please visit ValenzuelaFinancial.com!