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Most people think financial planning is about calculators, spreadsheets, and strategies. But that’s only half the story. The truth is, your feelings about money can have just as much impact on your retirement as the numbers do. Today, Phil explores the emotional side of planning. At the end of the day, numbers give us the framework, but your feelings help define the plan that truly fits you.

Here’s some of what we discuss in this episode:

🧠 Head vs. Heart: Balancing logic, math, and emotion in your plan

🗣️ Communication & Advice: Balancing client preferences with sound financial guidance

💳 Debt Decisions: The emotional side of staying in or getting out of debt in retirement

📈 Market Volatility: Managing fear, confidence, and risk tolerance

👥 Couple Dynamics: Navigating different money mindsets between partners

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