In this episode of EWA’s FIN-LYT Podcast, Matt Blocki, Ben Ruttenberg, and Drew Deimel break down why a financial plan only matters if it’s actually lived and continuously updated. They dive into one of the most frustrating trends in the industry: paying a large one time fee for a plan that never gets executed, and then watching that plan become outdated as life inevitably changes.The conversation centers on the idea that financial planning has a start but no real finish. Income changes, promotions, bonuses, RSUs, job transitions, marriage, divorce, kids, buying or selling a home, shifting goals, and new tax laws can all create inflection points that require recalibration. Matt, Ben, and Drew explain why proactive planning helps reduce surprises, especially tax surprises, and why having an ongoing thought partner can prevent common pitfalls like lifestyle creep, overspending, or over saving out of fear.They also share real world stories that highlight the hidden risks of a set it and forget it approach like missed tax opportunities, inefficient withdrawal strategies in retirement, outdated beneficiaries that could derail an estate plan, or even a 401k sitting in cash for 15 years. Along the way, they cover practical guardrails for major decisions like home buying stress tests plus the importance of regularly reviewing insurance and disability coverage as your family and responsibilities evolve.If you want a plan that adapts with you and helps you balance enjoying life today while staying on track for the future this episode is a must listen.Connect with EWA:https://ewa-llc.com/https://www.instagram.com/ewa.llc/https://www.linkedin.com/company/equilibrium-wealth-advisors/https://www.facebook.com/EquilibriumWealthAdvisors/View EWA Disclosures and Firm ADV:https://adviserinfo.sec.gov/firm/summary/308977