In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the common pitfalls of linear financial planning, emphasizing the importance of understanding personal values and future aspirations. They advocate for a future-first approach to financial planning, which allows individuals to align their financial decisions with their life goals, ultimately leading to a more fulfilling and less stressful financial journey. Check out our website: beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo #financialplanning #linearplanning #personalvalues #future-firstapproach #budgeting #retirement #financialsecurity #moneymanagement #lifegoals #financialindependence Takeaways Most people plan linearly past, present, future. Life isn't lived on a spreadsheet. The focus should be on the life you want to create. Understanding personal values is crucial in financial planning. Future-first planning helps align present decisions with long-term goals. Flexibility in financial planning is essential for adapting to changes. Financial security is not just about numbers; it's about peace of mind. You can create a financial plan that allows for enjoyment in the present. It's important to have a clear vision of your desired lifestyle. Planning should be about what you truly value and want. Chapters 00:00 Introduction to Financial Planning Misconceptions 02:07 The Flaws of Linear Financial Planning 06:06 Understanding Personal Values in Financial Planning 09:47 Designing Flexible Financial Strategies 11:46 The Importance of Future-First Planning