Many of us start retirement planning by thinking big – maybe too big. According to EFE financial planner Kelli Smith, new clients often want to start by considering how markets and world events may shape their retirement. But outside influences are only part of the story. You need to take an honest look at your spending, too.

In this episode of Money on Your Mind, host Michael Liersch and Kelli get real about why planning for your retirement tomorrow must begin with noticing your spending today. Learn how to calculate the price of your lifestyle (and what that means for your retirement), staying accountable to your financial wellbeing and how to use money to fund true happiness and fulfillment.

Frequent listener? Consider leaving us a review, and comment about what you’d like us to discuss next.