Andrew, Alex, Ryan and Matt Kreager discuss their perspective on personal finance. Ryan being 40 thinks a little different than Andrew in his 20's. Many people wonder if they are doing the right things to achieve their goals. There is a similar pattern of Life's Steps with these guys. What can you do in each decade to help build wealth? Life moves quickly and each year can leave an impact. Matt Kreager is the Director of financial planning with Horizon Advisers and his role within the company is discussed.