In this episode of Prosperity Playbook, hosts Gary Nolan and Necole Gibbs discuss the common hesitations individuals face when approaching financial planning. They explore misconceptions about financial advisors, the overwhelming nature of financial topics, and the importance of starting small. The conversation emphasizes the need for financial literacy and empowerment, addressing feelings of embarrassment and the significance of planning for retirement. Listeners are encouraged to take actionable steps towards their financial goals, with a focus on peace of mind rather than perfection. The episode also covers strategies for retirement planning, including catch-up contributions and the importance of health savings accounts. Finally, the hosts answer listener questions, providing insights into managing retirement income and addressing tax concerns.