The most important money lessons your children learn may have nothing to do with dollars and everything to do with habits, values, and conversations. In this episode of Vision Wealth: A New View on Retirement, Ben and Megan Smith explore the financial lessons parents and grandparents pass down, intentionally and unintentionally, to the next generation. From delayed gratification and budgeting to lifestyle choices, family values, inheritance expectations, and healthy conversations about money, they discuss how childhood experiences shape lifelong financial behavior. Through personal stories and parenting challenges, Ben and Megan highlight why teaching financial responsibility isn't about creating perfect savers. It's about helping future generations develop the mindset and skills needed to navigate life confidently.

Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011.

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The final five years before retirement can be the most important, and the most dangerous, years for your financial future. In this episode of Vision Wealth: A New View on Retirement, Ben and Megan Smith discuss why the years leading up to retirement require a different mindset than the decades spent building wealth. From lifestyle creep and spending habits to Roth conversions, tax planning, market risk, and retirement readiness, they explore the decisions that can have an outsized impact as retirement approaches. The conversation also highlights the importance of understanding your goals, defining what retirement actually looks like for you, and creating healthy financial boundaries before crossing the finish line. Retirement success starts long before retirement begins.

Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011.

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What do $22,000 red-carpet beauty bills, Corvettes, and Amazon purchases have in common? They all reveal how lifestyle creep can quietly shape your financial future. In this episode of Vision Wealth: A New View on Retirement, Ben and Megan Smith explore the subtle ways spending habits evolve over time and why even small changes can have a major impact on retirement planning. From everyday conveniences and subscription services to luxury purchases and family spending, they discuss how lifestyle creep affects people at every income level. The conversation also highlights the importance of intentional spending, opportunity cost, and aligning your financial choices with the retirement lifestyle you truly want.

Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011.

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