{"id":749,"date":"2026-05-12T07:00:05","date_gmt":"2026-05-12T07:00:05","guid":{"rendered":"https:\/\/smartmoneymaps.com\/?p=749"},"modified":"2026-05-12T07:00:05","modified_gmt":"2026-05-12T07:00:05","slug":"how-to-build-a-financial-plan-by-age-2","status":"publish","type":"post","link":"https:\/\/smartmoneymaps.com\/?p=749","title":{"rendered":"How to Build a Financial Plan (By Age)"},"content":{"rendered":"<p><iframe loading=\"lazy\" width=\"480\" height=\"270\" src=\"\/\/www.youtube.com\/embed\/3zQeLAI12GI\" frameborder=\"0\" allowfullscreen><\/iframe><\/p>\n<p>How should your financial plan evolve as you age? The Financial Order of Operations shows you what to do with your next dollar, but life insurance, estate planning, and tax strategy require a deeper framework. Financial Advisors, Brian Preston and Bo Hanson, walk through the six core areas of financial planning and reveal what to prioritize in your 20s, 30s, 40s, 50s, and beyond to build lasting wealth in 2026.<\/p>\n<p>This episode covers estate planning, budgeting, tax planning, and risk management across every decade of your wealth-building journey. From understanding why your 20s are about building the foundation with emergency funds and term life insurance to discovering how tax planning in your 40s can significantly impact your retirement outcomes through decisions like Roth conversions, we break down the framework that can help you own your time and live your great big beautiful tomorrow.<\/p>\n<p>Timestamps<br \/>\n0:00 Introduction \u2013 Building a Financial Plan<br \/>\n1:17 Your 20s \u2013 Building the Foundation<br \/>\n5:30 Risk Management in Your 20s<br \/>\n8:15 Investment Planning in Your 20s<br \/>\n11:55 Your 30s \u2013 The Messy Middle<br \/>\n13:33 Estate Planning in Your 30s<br \/>\n15:35 Risk Management in Your 30s<br \/>\n17:51 Investment and Tax Planning in Your 30s<br \/>\n21:12 Your 40s \u2013 Top of the Mountain<br \/>\n22:16 Tax Planning in Your 40s<br \/>\n27:06 Retirement Planning in Your 40s<br \/>\n30:46 Your 50s and Beyond<br \/>\n31:38 Estate Planning in Your 50s<br \/>\n33:53 Retirement Planning in Your 50s<br \/>\n35:25 Bringing It All Together<\/p>\n<p>\ud83d\udd17 Financial Order of Operations \u2192 https:\/\/moneyguy.com\/guide\/foo\/<br \/>\n\ud83d\udd17 Estate Planning Ultimate Guide \u2192 https:\/\/moneyguy.com\/guide\/estate-planning\/<br \/>\n\ud83d\udd17 How Much Should You Save? \u2192 https:\/\/moneyguy.com\/resource\/how-much-to-save\/<br \/>\n\ud83d\udd17 Become a Client \u2192 https:\/\/moneyguy.com\/become-a-client\/<\/p>\n<p>\ud83c\udf93  Brian Preston (CFP\u00ae, CPA) and Bo Hanson (CFA\u00ae, CFP\u00ae) share professional insights to help you own your financial future.<\/p>\n<p>Jump start your journey with our FREE financial resources: https:\/\/moneyguy.com\/resources\/<\/p>\n<p>Subscribe on YouTube for early access and go beyond the podcast: https:\/\/www.youtube.com\/c\/MoneyGuyShow?sub_confirmation=1<\/p>\n<p>Connect with us on social media for more content: https:\/\/moneyguy.com\/link-in-bio\/<\/p>\n<p>Take the relationship to the next level and become a client: https:\/\/moneyguy.com\/become-a-client\/<\/p>\n<p>#WealthBuilding #PersonalFinance2026 #RetirementPlanning #FinancialFreedom<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How should your financial plan evolve as you age? The Financial Order of Operations shows you what to do with [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":750,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-749","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/smartmoneymaps.com\/?p=749\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Build a Financial Plan (By Age) - Personal Finance Secrets\" \/>\n<meta property=\"og:description\" content=\"How should your financial plan evolve as you age? 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