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In Episode 4, we break down one of the most important concepts in personal finance: time horizon — how to plan your money across the short term, medium term, and long term without feeling overwhelmed or anxious. This episode is designed to help you understand what financial moves to make now, what to plan for next, and how today’s decisions shape where you’ll be 3, 5, or even 10 years from now.

We dive deep into budgeting fundamentals, emergency funds, high-yield savings, CDs, treasury bills, investing in yourself, and long-term wealth planning. This conversation also reframes generational wealth — not just as money passed down, but as mindset, habits, discipline, and leadership that ripple through communities.

Whether you’re a student, athlete, young professional, or entrepreneur, this episode gives you a practical roadmap to reduce financial anxiety, build confidence with money, and start making intentional decisions that compound over time.

This is about learning the system, trusting the process, and understanding the menu before you order.