
Is it too late to start planning for retirement?
In this episode of My Father Said, Ryan and Robert discuss whether it is ever too late to start planning for the future. They talk through the mindset and practical steps needed when someone feels behind financially, including budgeting, saving, eliminating debt, creating extra income, protecting assets, and building a realistic retirement plan. This conversation is a reminder that while you cannot go back and change yesterday, you can still make intentional decisions today.












