Money carries a lot more emotional baggage than numbers can show. It’s deeply personal—and any perceived failures might drive your behavior for decades. Financial planner Mark Cano knows personally that even the most educated people need help to find perspective on their personal history with money, and what they want to do with it next. It’s all about feeling like you’re in control.

Listen to this episode for a discussion with host Michael Liersch and Mark about the emotions and behaviors behind our money moves. They have guidance for anyone feeling too afraid to spend their hard-earned wealth, overestimating how much money you need, why Mark suggests re-evaluating your needs every 2-3 years, and more.

Investing strategies, such as asset allocation, diversification or rebalancing, do not ensure or guarantee better performance and cannot eliminate the risk of investment losses. All investments have inherent risks, including loss of principal. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Past performance does not guarantee future results.