There’s a moment in your 30s and 40s when money stops feeling theoretical and starts shaping your daily life. The home you buy, the debt you carry, the savings you manage to build, the risk you’re willing to take, all of it begins to influence your options, your stress levels, and even the way you picture the future.

In this conversation, Brian Spinelli, AIF®, CFP® and Kelli Kiemle, AIF® talk through the decisions that matter during these years. They share how their own housing stories went and the tradeoffs they’ve watched clients navigate, to give some perspective on how different things can be for everyone. They also revisit the advice they’d give their younger selves now that they’ve seen how life, family, and career growth played out.

If you’re balancing mortgages, savings goals, unexpected expenses, or the pressure to “get ahead,” this episode can give you a calm, clear way to think about the decade you’re in and the years still coming.

Connect with us! 

• Kelli Kiemle on LinkedIn
• Brian Spinelli on LinkedIn
• Halbert Hargrove Website