What does a groundhog have to do with your financial future? Heidi Ricken Provost & Gerry Ricken use winter routines, weather quirks, and life rhythms to explain how small habits shape long‑term retirement outcomes. From unexpected lifestyle changes to the power of breaking financial autopilot, the team explores why flexibility and awareness matter. With humor, relatable stories, and practical guidance, this episode helps listeners rethink daily routines as the foundation for healthier finances and a more joyful retirement.

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