Parents often ask, "Is it too late?"

For example, "My child is already three and I've heard that the first three years are the most important. Is it too late?"

Kevin Mahoney, CFP®, who specializes in financial planning for Millennials, discusses why, in both parenting and personal finance, you can "recover, rebuild, and begin again."

You may regret a few of your past financial choices. But it's rarely too late to change. And when it comes to retirement, you may want to start with a Roth conversion.

Welcome to Financially Well, the finance podcast for Millennials.