Paul Mysyk proves you can build a better retirement from any starting line—tying personal fulfillment and community into a plan that actually works. He maps the three phases of planning, then hands young adults fast-start moves while showing late starters how to catch up without panic. Stick around for a rapid-fire Q&A on annuities, index funds, and 401(k) rollovers so you can turn good intentions into a real strategy—today.