Host Ruvin Levavi is joined by team members Michael Danes and David Chabot to discuss the major financial decisions faced by younger clients. The team uses their varying ages and experiences to provide different perspectives on key life events and the financial choices that accompany them.

Topics discussed in this episode include:

• The Cost of Kids: The conversation begins with a discussion on having children and the financial implications. While some, like Michael, are more financially minded about the number of kids they want, others, like David and Ruvin, found the decision was more emotionally driven, with the finances following later.

• Renting vs. Buying: The team dives into the age-old debate of buying versus renting a home. They explore the financial and emotional aspects of the decision, noting that while renting may make more financial sense in the short term, owning a home can provide a sense of stability and ownership that renting can't.

• Financial Planning is Not Linear: The team stresses that while financial plans are often modeled linearly, life is not. Things change, and a good financial plan must be flexible and adaptive to life events, from starting a family to changing careers.

• Investing in Your Future: The episode concludes by emphasizing that while financial planning can be done with a computer program, the decisions are based on life goals and values, not just numbers. The role of an advisor is to help people be more intentional about how they save and invest, helping them to create their own environment and financial future.