You’re Investing — But Still Behind: The Missing Steps Most Advisors Skip

Rob and Trevor answer Stacey’s question by walking through a CFP-style framework: start with an honest budget, build an emergency fund (3–6 months of expenses), then invest according to specific goals and time horizons.

They explain bucketed strategies for retirement, down payments and short-term goals, the value of liquid taxable accounts versus locked retirement accounts, and why purpose-driven planning and a specialist team matter more than simply “investing first.”

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