Why Financial Plans Break Without Intention

Most financial plans don’t break because of markets — they break when they lack clarity, structure, and intention.

In this episode of No Bonds Cast, Ben Beck, CFP® and Jim Bode discuss why progress matters more than performance, how plans drift without structure, and what it takes to build a financial plan that can adapt as life changes.

If your goals feel different than they used to, this conversation will help you think more clearly about what intentional, long-term planning actually looks like.

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About the Podcast
The NoBonds Cast is a conversation-driven podcast exploring financial planning, investing, legacy, and the human side of money. Hosted by managing partners, Ben Beck, CFP®, and Jim Bode, the show is designed to help listeners think more clearly about their financial lives and the decisions that shape them.

Important Disclosure
This podcast is for informational and educational purposes only and should not be considered financial, legal, or tax advice. Views expressed are those of the hosts and guests as of the date of recording and may change. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results.

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Transcript

[00:00:00] Ben Beck: A line I learned a long time ago.

[00:00:03] Ben Beck: Um, that still stands true today. It's about progress and not performance. Progress and not performance. As we're talking about, like measuring things along the way and setting these achievable markers for ourselves mm-hmm. If we're focused on performance or it, or one of our clients is focused on performance over a short time period.

[00:00:25] Ben Beck: It's inevitable that you're not going to meet that goal.

[00:00:28] HOST: You're listening to the No Bonds Cast [00:00:30] from Beck Bode. Conversations about intentional financial planning, long-term decision making, and building plans that adapt as life changes hosted by founders and managing partners, Ben Beck, CFP, and Jim Bode. In this episode, Ben and Jim explore why financial plans often break when they lack intention, why progress matters more than short-term performance, and how thoughtful planning needs to evolve as life changes.

[00:00:58] HOST: Let's get back to the [00:01:00] conversation.

[00:01:00] Ben Beck: The new year. Is upon us. And yes, along with the new year comes well an oppor, you know, an opportunity to set new goals. Yeah. But also reflect on the goals that were set, for example, in 2025. So how do you look at that? 

[00:01:17] Jim Bode: Yeah, I, I mean, I think it's always healthy to look back at how the year went.

[00:01:20] Jim Bode: Mm-hmm. And I know for me personally, I, I look at a couple of the goals that I had, some I met mm-hmm. Some I could have done better with. Mm-hmm. [00:01:30] And, and I always like to say that, um, it's a best effort. 

[00:01:34] Speaker 4: Mm-hmm. 

[00:01:35] Jim Bode: And with the goals that I had this year. The financial goal and, and I specifically wanted to put enough money aside for some of our, our goals that we had with savings.

[00:01:46] Speaker 4: Mm-hmm. 

[00:01:46] Jim Bode: And for the hefty one, my first year of paying for college. Yeah. That's a big one. Yeah. Those were met. 

[00:01:52] Speaker 4: Mm-hmm. Like 

[00:01:52] Jim Bode: I did those, we accomplished those. Some of the personal goals around my health and fitness, I think they started off really, really strong. [00:02:00] And then as the year went on, other priorities took over.

[00:02:03] Jim Bode: Mm-hmm. Where I was spending my time. 

[00:02:05] Ben Beck: Probably somebody listening right now and hearing that could probably relate. Yeah, right. A lot of things happen in the new year, right. New Year's resolutions and people like, well, I'm gonna, I'm gonna get back to the gym four times a week. I'm gonna do this, this, this.

[00:02:18] Ben Beck: And then sometime, yeah, I don't know when that is, but sometime, maybe February or March things happen. Right? And priorities shift and you move on to [00:02:30] something else, right? Yeah. 

[00:02:31] Jim Bode: Okay. So what type of goal setter are you, Ben? I, I like to put them into three different categories.

[00:02:35] Ben Beck: Let me ask you, where do you think I stand? I think you, you set pretty 

[00:02:39] Jim Bode: hefty goals that you want to drive to succeed towards.

[00:02:41] Jim Bode: Okay. Would you agree? I can agree with that. 

[00:02:44] Ben Beck: Yeah. 

[00:02:45] Jim Bode: I think, think I like taking 

[00:02:45] Ben Beck: big swings. 

[00:02:46] Jim Bode: I know you do. 

[00:02:47] Ben Beck: Yeah. 

[00:02:48] Jim Bode: And I think that's great and I, and I look at it as, I like to cha, I like to look at well, what is achievable And, and achievable doesn't mean easy, it means something. I actually have to put effort and work towards and make sure [00:03:00] that I can accomplish that.

[00:03:00] Jim Bode: Have you thought about any of those goals for 2026? Any of those big swings? Oh 

[00:03:05] Ben Beck: boy. Yeah. Too many to mention this call. Prob probably, but uh, yeah, yeah. There's, there's, there's goals that we have around, well, you mentioned one of 'em, like school. Yeah. You know, and, and things of that nature. Um, there's always the fitness goals that are lurking out there.

[00:03:22] Ben Beck: Mm-hmm. Um, and, uh, what about you? Yeah, I generally 

[00:03:25] Jim Bode: have a. As we do financial planning for all of our clients, I have a, I [00:03:30] have a personal financial goal mm-hmm. That, that we work towards and things we're trying to accomplish. Mm-hmm. And then I have a family goal that we're trying to do as a family and a personal health goal.

[00:03:40] Jim Bode: Good. And I look at those three different goals and I, and I set some, what I would call achievable metrics. Mm-hmm. Um, but I don't just set these goals at the beginning of the year. I like how you said you like to have measurements. Mm. 

[00:03:52] Speaker 4: Um, 

[00:03:52] Jim Bode: that you kind of do check-ins throughout the year, and generally for me, that's once a quarter, I'm looking at, okay, financially, am I doing the right things?

[00:03:58] Jim Bode: Mm-hmm. For our family, what we're trying to [00:04:00] do, are we, are we moving towards that? Mm-hmm. Um, then my health and fitness, it's like, okay, are we, are we as active as I want to be? Mm. But I think the check-ins are really, really important. 

[00:04:08] Jim Bode: And what we do on a daily basis with our clients. Tying in our goals planning statement and, and helping our clients achieve some of their financial goals.

[00:04:17] Jim Bode: Mm-hmm. Um, where do you see at the beginning of the year when we're looking at financial goals or whenever we meet with our clients, the importance of setting expectations and using the goals planning statement as a way [00:04:30] to, to measure that? Yeah, 

[00:04:31] Ben Beck: I think the big thing that stands out to me is, um, a line I learned a long time ago.

[00:04:39] Ben Beck: Um, that still stands true today. It's about progress and not performance. Mm. Progress and not performance. And that, that I think, you know, as we're talking about, like measuring things along the way and setting these achievable markers for ourselves mm-hmm. If we're focused on performance or it, [00:05:00] or one of our clients is focused on performance over a short time period.

[00:05:03] Ben Beck: Um, it's inevitable that you're not going to meet that goal. Yeah. Um, um. Consistently, maybe even because the market in the short term is so incredibly, um, um, variable, it's volatile, right? Um, but if you start to take a look at progress towards a goal mm-hmm. For example, you know, the first thing, obviously, you know this, the first thing we do when we put together goals, planning statement, um, is well, we define the goals first, [00:05:30] but then we set up a date specific, dollar specific plan.

[00:05:34] Ben Beck: Mm-hmm. That details how they're gonna get there. And just like any diet or any workout plan, you don't do it for two weeks and then expect results. And so if you're looking at performance over a short time period, you're gonna be let down. And so what we focus on with everybody, as you know, is that we focus on progress towards the bigger goal, and we measure that [00:06:00] and we define that as your required rate of return in order to make the plan work.

[00:06:04] Ben Beck: Yeah, you're gonna have years where you're way up here, you're gonna have years where you're way down here. Um, while it's true, the market, uh, averages about 10% a year over long periods on average, um, very infrequently does it. Hit right on 10%. Right? Yeah. So it's always gonna be about that mean in some, some direction.

[00:06:23] Jim Bode: Yeah. And, and I love the fact that the goals planning statement, um, gives us achievable goals. Mm-hmm. [00:06:30] Gives us goals along the way that we're expecting to reach. Mm-hmm. And we have check-ins with it to make sure that we're doing what we need to do. But it's really a joint effort when it comes to, okay, what are we trying to achieve?

[00:06:41] Jim Bode: Or what are our clients trying to achieve and how are they gonna get there? And when I think about when we first got into the industry, we're now going up 20 years ago plus, yeah. Time goes by. Yeah. 20 plus for sure. Um, if we remember those early on financial plans or when we, what we now call those goals, planning statement, it was, it was kind of a check off the box.

[00:06:58] Jim Bode: We let it sit on the [00:07:00] shelf and mm-hmm. We just tell people we would do it compared to what we do now, where we, we create actions for the clients. We tell them mm-hmm. In order to achieve their goals, what they have to save. Sure. Where they have to save it. Um, and, and I think for our clients that it, it makes it more achievable for them.

[00:07:16] Ben Beck: Yeah. Yeah. I think that's exactly right. I mean, um, being able to understand, like we go back to taking a big swing. Mm-hmm. Like things are not going to happen in, in a short period, like a year, even two years. Yeah. And so you have [00:07:30] to have some measurement along the way, some metric to follow, um, in order to understand, okay, I'm on.

[00:07:37] Ben Beck: The path to get to where I want to go. I'm on the right path. 

[00:07:40] Jim Bode: Yeah. I remember some of our earlier clients, well, some of our clients that we've been working with for a long time mm-hmm. They, they've helped develop these goals. Mm-hmm. And, and what I've loved is that the goals have changed over time too.

[00:07:52] Jim Bode: Mm-hmm. Um, specifically I remember one of our clients that said, okay, I need a certain amount of money to retire. 

[00:07:58] Speaker 4: Mm-hmm. 

[00:07:59] Jim Bode: And we [00:08:00] work towards that number, and then that number becomes achieved. And he's like, well, I'm not ready to retire yet. Yeah. So here's my new goal. Right. And I think what's nice about the way that we do our goals planning statement is with clients, the goals are gonna change on a regular basis.

[00:08:11] Jim Bode: Yeah. The world around us is changing all of the time. Mm-hmm. And it's, and it's more about how do we adapt Yeah. To those changes versus just saying, Nope, I'm stubborn, I'm just gonna continue what I was doing. 'cause, um, that worked in the past. 

[00:08:23] Ben Beck: Yeah. So in other words, in a, in a, in a more positive way, like moving the goalpost a little bit Yeah.

[00:08:26] Ben Beck: And being able to make adjustments along the way. 

[00:08:28] Jim Bode: Yeah. It's a, it's [00:08:30] a, a, a goals planning. Should be adjustable along the way. And as goals get achieved, we're constantly thinking about what's next. 

[00:08:36] Ben Beck: So does everybody need a plan? If you're investing money, do you really, like if somebody were to say to you, which they have, I know, so it's kind of a, kind of a, a built in question here, but I'll, you know, I'm 35. I don't really need a plan right now. That's for folks that are getting close to retirement.

[00:08:53] Jim Bode: Yeah. In other words, is it too soon to have a plan Right. Or do I have enough money to have a plan? Yeah. Um, if anybody [00:09:00] has any goals in life 

[00:09:01] Speaker 4: mm-hmm. 

[00:09:01] Jim Bode: They should have a plan. 

[00:09:02] Speaker 4: Mm-hmm. 

[00:09:03] Jim Bode: Right. I don't think people should just be putting money away for, for, for no real purpose. Mm-hmm. I think the beauty of investing is that it allows us to outline what we want in the future.

[00:09:14] Jim Bode: Mm-hmm. It allows us to think about what our goals are and using money and investing to help us accomplish those goals. But just to think that I'm just gonna put money away without a plan or without a process, I, I think that's a wasted effort. 

[00:09:28] Ben Beck: Hmm. What is [00:09:30] it about it, the effort that you think is wasted?

[00:09:32] Ben Beck: What, what, what doesn't connect for you when you hear that? 

[00:09:35] Jim Bode: Yeah, that's, that's a great question. That what the connect, there's a disconnect. Mm-hmm. There's a disconnect that happens when someone doesn't understand what they're trying to accomplish. Mm-hmm. Right. It'd be like, if I wanted to say, I need to lose 50 pounds and do nothing about it.

[00:09:49] Jim Bode: Mm-hmm. And all I was doing was going to the gym and showing up every day. Mm-hmm. And just sitting there. Versus saying, I wanted to lose 50 pounds, and here's the pathway that I'm gonna take to achieve that, [00:10:00] whether that's how many times I'm gonna go to the gym, what I'm gonna be eating, what's my nutrition gonna look like?

[00:10:04] Jim Bode: I think that's the purpose of a plan. Yeah. Is to show us what we're gonna do to get there so that our goals become achievable. They're not just putting money away and saying, I hope it works. 

[00:10:14] Ben Beck: Yeah. Otherwise, how do you know where you are? Yeah. Right Now you think about that investing wise, like, I'm just gonna invest.

[00:10:21] Ben Beck: Okay. What do you want to happen? Well, I want my money to go up. Well, then you're like up to what? Yeah. And then all of a sudden, all right, but okay, so, all right. I get that. I want my money to [00:10:30] go up, so I'm just gonna invest. I'm not really gonna pay attention to what I'm doing or mm-hmm. Or what I'm trying for.

[00:10:35] Ben Beck: But at some point in the future, whether it's you're going in the gym every day, at some point in the future, it's gonna occur to you, right or wrong. I'm not seeing the results that I think I need to see. 

[00:10:45] Speaker 4: Yeah. 

[00:10:46] Ben Beck: So you have no definition of what success is, right? If you don't have a clearly thought out journey of what things on average should look like along the way.

[00:10:58] Speaker 5: Mm-hmm. 

[00:10:59] Ben Beck: And so you're [00:11:00] left, you know, maybe you're in February after going to the gym every other day or every day, and you're not seeing the results that I guess on January 1st, you think you would've seen by then. So what happens? You stop going, right? Yeah. Because there was no plan, there was no plan to take to fruition.

[00:11:15] Ben Beck: You're just basing it off of how you feel in real time. 

[00:11:19] Speaker 5: Mm-hmm. 

[00:11:19] Ben Beck: And lemme tell you, you know, I go to the gym every day, many a mornings, I don't feel like it. Right? So if I based, if I based my, um, [00:11:30] you know, without a plan, I just based on how I felt every day, right? I'd never go. Right. You know? But I have a plan that I set every year to be able to, uh, I know I need to achieve this and I'll incrementally get better.

[00:11:43] Ben Beck: So we, you know, as the financial world and, and as investors in the public, we have so much information coming at us of all these things that, that create the impression of all like, we need to be doing.

[00:11:55] Ben Beck: Yeah. Right. Whether it's crypto or whether it's, um, oh, right now, like the, the precious metals doing [00:12:00] well. Right. I think as a, the AI is driving a lot of that. So I need to be doing that, right? Yeah. Because that's doing better than what I'm doing, you know? And all these things are thrown at us in the media.

[00:12:11] Ben Beck: It's like, with no plan, you are so susceptible by just kind of jumping from one thing to the other. Yeah. And I think that's what creates, um, you know, uh, scenarios where you just underperform and you don't, you don't end up achieving what you could. 

[00:12:27] Jim Bode: Yeah. You 

[00:12:27] Ben Beck: know, over time, 

[00:12:28] Jim Bode: you know what feels really [00:12:30] good is achieving a goal.

[00:12:31] Jim Bode: Right. It feels really good to say, this is what I'm set out to do this year or this quarter. And for me, having those measurements along the way, that shows me that I'm, I'm making progress in the right direction if that financially is saving a certain dollar amount, if that's going to the gym, if that's cooking a certain amount of times at home.

[00:12:52] Jim Bode: So I eat healthier. Having those goals that are achievable to me and having those benchmarks along the way is. I like achieving things. Yeah. I like [00:13:00] feeling good about what I'm doing every day or accomplishing my goals. 

[00:13:03] Ben Beck: Yeah. And you know, for a lot of our clients and us, you know, achieving the goal is fantastic.

[00:13:09] Ben Beck: Right. But that's for a lot of things way off there. I, I like to think of that same thing as falling in love with the process. Yeah. And you know, we fell in love with the process. Right. What to buy, when to sell, where to reinvest the proceeds. Um, you know, that is something that, going back to the early days of running the strategy.

[00:13:26] Ben Beck: Back in 2006, something that we fell in love [00:13:30] with. And I think that's the key to, um, goal setting is not so much about setting something, however important, is setting something way out there in the future that you wanna achieve. Mm-hmm. But actually, you know, finding a way to fall in love with what's going on every day.

[00:13:46] Ben Beck: Yeah. Kind of the grind of it, you know? Oh, you know, it's, it's the ins and outs of the strategy financially, what we're buying, what we're selling. Just because we're buying or selling something doesn't mean we're seeing tremendous performance in such a short time period. [00:14:00] Right. Nor does working out every day elicit some joyous feeling the next morning like, oh my God, I can't wait to get back to the gym.

[00:14:07] Ben Beck: Unless you kind of force yourself to feel that way. Right.

[00:14:10] Jim Bode: Yeah. I think one of the things that, that we do for a lot of our clients is we, we help them determine the goal of, of maybe when they can afford to retire.

[00:14:17] Speaker 4: Right. We 

[00:14:18] Jim Bode: tell 'em exactly how much money they need to save. We tell them once that becomes achievable, we then tell 'em how much money they can spend in retirement. Mm-hmm. And we really map out what those, that process looks like. Mm-hmm. And, and I would say for me, [00:14:30] there's probably no better feeling. Then when someone says to me, okay, I'm ready to retire, I've achieved these goals.

[00:14:36] Jim Bode: Mm-hmm. And I can think of one client recently in particular, um, that this conversation just happened. Mm-hmm. And he looks at me and says, okay, I'm ready to retire. How do I live off of the money now that we've saved? Oh. And we put together a distribution plan now for him to say, this is how much money you're gonna live off of.

[00:14:53] Jim Bode: And, um, there was a surplus of money. There was extra money that he didn't expect to have saved over those years, which [00:15:00] often happens with career changes and advancements. Sure. And he, he has the conversation with me around, well now what do I do? And I say, well, you have a couple options. Um, you've now created generational wealth.

[00:15:11] Jim Bode: Mm-hmm. You've created enough money that you're gonna be passing it on to either your kids or your grandkids. Mm-hmm. And one of the things that he looked at me and said is, well, how do I introduce my kids to investing? And I was like, that is brilliant question. Mm. So what we started doing for his kids and [00:15:30] grandkids was opening up actual investment accounts that were in the kid's name, that he could start.

[00:15:35] Jim Bode: Giving them some of the funds mm-hmm. Specifically around investing. Mm-hmm. And thinking about, um, their own financial future mm-hmm. And introducing them to what investing is. Mm-hmm. More importantly, what planning is for them, even at a younger age. So what's really neat with, with, with our clients is, um, we set the goal.

[00:15:53] Jim Bode: Mm-hmm. We attain that goal. Um, we surpassed that goal. It didn't end there. We showed [00:16:00] them how to now introduce the next generation to planning and investing. Mm. And I've really enjoyed those conversations, um, because it's, it's around what doesn't happen to the current generation. The kids in their twenties and thirties is, none of them are really introduced to investing at a young age.

[00:16:17] Speaker 4: Sure. 

[00:16:18] Jim Bode: A lot of times it's playing catch up and it allows us to come in there and have an impact on their financial future at a very young age, which I really enjoy. Which takes into. The other end of the spectrum, which is, well, what are we [00:16:30] doing for people that are new to planning and mm-hmm. Investing and what you've done with some of those clients.

[00:16:36] Ben Beck: Yeah. Yeah. Well, I like what you said there too, about that older generation being really intentional about, um, creating a way for whether it's their kids or even their grandkids, to have an ability to learn about money and planning in the right way. I mean, that makes such a difference versus. When you think about some of the folks that have come to us, say in their forties.

[00:16:57] Ben Beck: Mm-hmm. Right? And they've had [00:17:00] perhaps a retirement plan, like a 401k chugging along for a while. Yeah. And they've had some other types of things, but then again, somebody in their forties probably, you know, most likely has a family and they've got all these different priorities going on where, you know, investments, um, even though they're trying to save, kind of take a backseat and they're not as intentional as they could be.

[00:17:18] Ben Beck: Right. And so one of the things that, that I love when it, when it comes to working with younger folks that are making some money, but that don't really have [00:17:30] or have had any kind of introduction to a process or a plan, is to really have that conversation a little bit different though than my experience with somebody often that's in their fifties or sixties.

[00:17:40] Ben Beck: Mm-hmm. Or, or even older, where okay, they've been around the block, they've had financial experiences throughout their lives. Um, they came to us a lot of times with no plan, right? Or no, or, or a plan that was far outdated, right? Yes. But that conversation goes in a, in a different direction. It's all brought back to earth with the goals planning [00:18:00] statement

[00:18:00] Ben Beck: And once we map that out for them, I think there's something of an eyeopening experience. Yeah. You know, light bulb going off experience, we're like, oh, I can start to see how this works and how important it's to sacrifice.

[00:18:11] Ben Beck: Yeah. Um, um, going forward. So it's a different dynamic than talking to somebody 68, but the goal is planning statement because whatever your goal is. As we talked about before, it's having that date specific, dollar specific approach to achieving something for a lot of people brings everything back down to earth for [00:18:30] them.

[00:18:30] Jim Bode: Right?

[00:18:30] Jim Bode: All right, so here we are in, in the beginning of the new year, what are some of your goals for this year? Let's bring this back to goal setting for 2026 for you. And I, 

[00:18:41] Ben Beck: One of my goals is just to find other things in my life to get incrementally better at.

[00:18:46] Speaker 4: Mm. 

[00:18:47] Ben Beck: Um, so I love to play the. One of the things I never really set a goal of, Hey, I really want to be able to do this in the future, right? So I'm trying to spend at least just 15 minutes every day. [00:19:00] Mm-hmm. 15 minutes, um, of um, just picking up the guitar, which now I've kind of greased a skid, so to speak. So, um, against my Danielle and my wife's, um, wishes.

[00:19:11] Ben Beck: I keep the guitar stand right in basically the middle of the living room sometimes, so that it's very easy to walk by. 

[00:19:18] Speaker 5: Yeah. 

[00:19:18] Ben Beck: If I'm not like, like running to have to do something, I can pick the guitar up, sit down for a second, and 15 minutes goes by. Um, yeah, it feels like a lot quicker. Um, but that's one thing, [00:19:30] um, that I'm, you know, yeah.

[00:19:32] Ben Beck: To have set a goal for for this year. Yeah. 

[00:19:34] Jim Bode: And I think for me, one of the things that, that I'm working on is, um. Getting better at things that I enjoy. Mm-hmm. And one of the things that I enjoy is getting out there and, and playing golf. And what I have found is mm-hmm. You keep doing the same things over and over again, wrong.

[00:19:49] Speaker 4: Mm-hmm. 

[00:19:49] Jim Bode: You're not gonna get any better. Yeah. So, one of my goals this year is to, to work with a coach to kind of improve my game, to kind of outline exactly what I need to be doing to improve my. My golf game. So [00:20:00] I find it more enjoyable, not just going out there and 

[00:20:02] Ben Beck: playing. So if I were to ask like Vinny or somebody else, he would probably say that having played with you a bunch of times, that you probably haven't set many goals for golf until now, right?

[00:20:10] Ben Beck: No, it's just my, 

[00:20:10] Jim Bode: well, my goal for golf at over the years has been I just wanna get out and play more. Yeah. But I now, I want to be more intentional with, yes, I wanna go out there and play more, but I want to play better. Yeah. And the only way that I can do that is, um, I believe in coaching. I believe in having someone to help facilitate a, a plan for me like we do on.

[00:20:27] Jim Bode: The, the, the financial side mm-hmm. With our goals planning is I need a [00:20:30] plan to help me get better. Yeah. And now I need to, now I need to act on it. 

[00:20:33] Ben Beck: Yeah. Writing it down, like the goals planning statement is a written document, right? Correct. And so writing things down like the, that I, I find is really helpful for me.

[00:20:42] Ben Beck: Yeah. And so, um, um, and that's what I've done with the guitar one, as I'm thinking right now. One of the goals that I've had in the past, which I haven't achieved in terms of consistency wise, was. I wanna read more. Yeah. And I do read a fair amount, but it's inconsistent. Mm-hmm. And so it's [00:21:00] like one of these things that I learned about, uh, somebody, many other people have done this.

[00:21:03] Ben Beck: It's like, I'm gonna commit to a very achievable goal every night. Mm-hmm. And that's, Hey, no matter what, when I get into bed, I'm gonna read 10 pages of the book that I'm reading. All right. And what ends up happening is if you stay consistent to that. You end up reading more than 10 pages, right? Yeah. And it's like 10 pages is easy, however long it takes you and you end up reading a lot more and yeah, and achieving more.

[00:21:23] Ben Beck: So that's one of the things that I'm going to write down. So ne next episode you can ask me about it, say, Hey, how's the reading going?

[00:21:29] HOST: [00:21:30] Thanks for listening to the No Bonds Cast with founders and Managing partners, Ben Beck, CFP, and Jim Bode. This show is about building financial plans that don't just look good on paper, but actually hold up as life changes. If this conversation sparked questions about your own financial goals, retirement, or legacy planning, we encourage you to explore past episodes or continue the conversation with us@beckbode.com.