Lacy Garcia

These are things that we should be doing from a very young age. But at the same time, if you're listening to this and you haven't started doing them or you're like the majority of Gen Xers or baby boomers or even millennials who feel like we're behind, you're not behind, right? Like today is the day to start. Today is the right time to start. Tomorrow is the right time to start.

These are things that we should be doing from a very young age. But at the same time, if you're listening to this and you haven't started doing them or you're like the majority of Gen Xers or baby boomers or even millennials who feel like we're behind, you're not behind, right? Like today is the day to start. Today is the right time to start. Tomorrow is the right time to start.

But I think that there's a lot of perceptions where we disconnect this and we think we have to get to a certain point. Like the goals are really clear and easy. Get into a good school, get the right job. You talked about your performance-driven, you get here and you get here, but where are you then normalizing? Okay, start to actually put money away for retirement. I think that's changing.

But I think that there's a lot of perceptions where we disconnect this and we think we have to get to a certain point. Like the goals are really clear and easy. Get into a good school, get the right job. You talked about your performance-driven, you get here and you get here, but where are you then normalizing? Okay, start to actually put money away for retirement. I think that's changing.

I think that's getting better, that I think it's coming more, like we're seeing actually, if you look at now the Gen Z population, they're actually... over 70% of them are already investing, which is far more so. So I think that a lot of this is now we're starting to talk about it, but it has been, it's a seismic shift, right? It's a big shift and it's an overdue and is needed to happen.

I think that's getting better, that I think it's coming more, like we're seeing actually, if you look at now the Gen Z population, they're actually... over 70% of them are already investing, which is far more so. So I think that a lot of this is now we're starting to talk about it, but it has been, it's a seismic shift, right? It's a big shift and it's an overdue and is needed to happen.

I mean, and on a personal level for me, I mean, I think that I didn't really understand the whole concept of why you need to put money away from retirement. And it seems embarrassing to say that out loud. But the reality was I was thinking like, oh, you're always earning, you're always earning, you're this and you're that. But not taking into fact, what happens if you want to take time off?

I mean, and on a personal level for me, I mean, I think that I didn't really understand the whole concept of why you need to put money away from retirement. And it seems embarrassing to say that out loud. But the reality was I was thinking like, oh, you're always earning, you're always earning, you're this and you're that. But not taking into fact, what happens if you want to take time off?

What happens if you want... To make a career change. And then what if you actually want to retire at some point and get to do some of the things that you weren't able to do when you were working full-time? And that's something because I was always more focused on, okay, my short-term goals.

What happens if you want... To make a career change. And then what if you actually want to retire at some point and get to do some of the things that you weren't able to do when you were working full-time? And that's something because I was always more focused on, okay, my short-term goals.

I was looking at it from like, what am I trying to accomplish this year or in the next couple of years and kind of putting aside, oh, I'll get to that later. And then all of a sudden you realize if you have an unexpected event, that drains you financially. And then you're struggling just to even figure out how you're going to deal with your short-term circumstances, let alone your medium-term.

I was looking at it from like, what am I trying to accomplish this year or in the next couple of years and kind of putting aside, oh, I'll get to that later. And then all of a sudden you realize if you have an unexpected event, that drains you financially. And then you're struggling just to even figure out how you're going to deal with your short-term circumstances, let alone your medium-term.

And then you realize all of a sudden, wait a second, I don't have a long-term plan.

And then you realize all of a sudden, wait a second, I don't have a long-term plan.

And I think that if you... can embed at all times, you're thinking short, you're thinking medium, you're thinking longer term. Like you won't have to feel so panicked, right? And that's something that I've experienced. So there's all of a sudden like, oh my gosh, here I am. How did I get in this position? How did I make these decisions? stakes.

And I think that if you... can embed at all times, you're thinking short, you're thinking medium, you're thinking longer term. Like you won't have to feel so panicked, right? And that's something that I've experienced. So there's all of a sudden like, oh my gosh, here I am. How did I get in this position? How did I make these decisions? stakes.

But the reality is a lot of us are doing this, right? You've got to then take a breath.

But the reality is a lot of us are doing this, right? You've got to then take a breath.

When I was the head of marketing and I was pulled in to become an advisor, and that was this aha moment because I was like, wait a second, why am... It was because the clients wanted to work with me. The way in which I was interacting with my clients was that I was acting as a coach and an educator. And I was deeply connected to them on a personal level and cared about them.

When I was the head of marketing and I was pulled in to become an advisor, and that was this aha moment because I was like, wait a second, why am... It was because the clients wanted to work with me. The way in which I was interacting with my clients was that I was acting as a coach and an educator. And I was deeply connected to them on a personal level and cared about them.