Agency Intelligence

In this episode of Stuff About Money They Didn’t Teach You in School, hosts Erik Garcia, CFP®, BFA™, ChFC®, and Xavier Angel, CFP®, ChFC®, CLTC, dive into what they call “backwards planning.” Erik shares a story about driving his daughter to college, where the destination was clear but the journey allowed for meaningful detours that still aligned with their ultimate goal. This idea of starting with the end in mind sets the stage for a conversation about how clarity in your future direction influences the decisions you make today. Together, Erik and Xavier explore why envisioning your future, whether that is retirement, your personal life, or your career, matters so much. They highlight fascinating research showing that people who see an older version of themselves are more likely to save for the future, underscoring the power of visualization in financial planning. Tune in to learn how backwards planning can help you make intentional choices now that lead to the life you want later. If you enjoy this episo