Rob Lovaglio and Mitchell Allen break down the simple math of compounding and show how time—not luck—is the biggest factor in hitting a $3 million retirement target at age 65. Using an 8% long-term return, they give concrete examples of the one-time amounts needed at different ages (e.g., ~$20,000 at birth, ~$44,000 at 10, ~$94,000 at 20, ~$203,000 at 30, ~$438,000 at 40, ~$946,000 at 50, and ~$2.07M at 60) to reach $3M.

The episode emphasizes starting early, staying invested through market ups and downs, saving consistently in the right accounts, and using disciplined, boring actions to build lasting wealth.

🎧 Listen & Subscribe: 🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast... 🔹 Spotify: https://open.spotify.com/show/2xscesU... 🔹 All Platforms: https://bestadvicepodcastguys.com ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ 🤝 Get Personalized Financial Guidance:

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Rob LoVgllio and Dan LaForest explore how sitting on cash or rolling CDs without a plan can quietly destroy purchasing power through inflation. They break down opportunity risk, CD ladders, treasuries, and the trade-offs between safety and growth.

The hosts stress defining objectives, staying flexible as rates change, and working with experienced advisors to make informed decisions that preserve and grow wealth.

🎧 *Listen & Subscribe:*

🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast/best-advice-podcast-guys/id1729063229

🔹 Spotify: https://open.spotify.com/show/2xscesUNvtNlWnhMIUbK2r

🔹 All Platforms: https://bestadvicepodcastguys.com

🤝 *Get Personalized Financial Guidance:*

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Budgeting often fails because it relies on willpower and constant tracking—life gets busy and discipline wears out. In this episode Rob Lovaglio and Trevor Bell explore why traditional budgets crumble and why it’s often a system problem, not a personal failing.

The solution they recommend is automation: treat savings and investments like monthly bills by "paying yourself first," use automated transfers and dollar-cost averaging, and keep realistic fun money so your budget is sustainable.

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🔹 Apple Podcasts: https://podcasts.apple.com/us/podcast...

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https://open.spotify.com/show/2xscesU...

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https://bestadvicepodcastguys.com