Joe Murphy emphasizes the importance of budgeting as a foundational element of financial health, especially for younger clients. He discusses strategies for maximizing retirement contributions and the benefits of tax loss harvesting. The conversation highlights the need for financial literacy and disciplined saving to achieve long-term financial security. Joe Murphy discusses essential financial planning strategies for 2025. Joe emphasizes the need for proactive financial management and the benefits of working with a financial advisor to navigate these complexities. Call or text 800-930-5905. Visit MWMFinancial.Tax to learn more.