In this episode of Now & Beyond Podcast, hosted by Ryan Canfield, founder and president of Victus Wealth Management, Ryan discusses five critical financial mistakes to avoid before age 45. These include neglecting emergency savings, overspending on housing, having inadequate insurance coverage, prioritizing children's college savings over retirement, and failing to invest for growth. Ryan provides practical strategies to address these common pitfalls, empowering listeners to balance enjoying life today while planning for a resilient financial future.

00:00 Introduction to the Now and Beyond Podcast

00:47 Top 5 Financial Mistakes to Avoid Before Age 45

02:14 Mistake 1: Neglecting Emergency Savings

04:35 Mistake 2: Overspending on Housing

06:42 Mistake 3: Inadequate or No Insurance Coverage

09:33 Mistake 4: Prioritizing Kids' College Savings Over Retirement

11:27 Mistake 5: Failing to Invest for Growth

14:11 Conclusion and Recap

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