On this episode we give you some bang for your buck, as we sit down with financial advisor Mike Gyzl of Cetera Investors to talk about a topic most families avoid until it becomes urgent: money. Mike explains the "retirement red zone," how to think about replacing a paycheck after work ends, and why the coming wealth transfer makes family planning more important than ever. We also dig into how to bring kids and young adults into the conversation, why they often tune out their parents but will listen to a trusted third party, and how to use simple tools to keep the transfer of wealth simple and clear. And we wrap by exploring the emotional side of money, market noise, investing trends, and that big Back 9 question: what kind of life do you actually want, and how do you build a plan that can grow and adapt as life changes on the Back 9. Contact Dennis & Josh Instagram: @Back9_Podcast Disclosure: Cetera Investors is a marketing name of Cetera Investment Services. Securities and Insurance Products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. REITs are subject to various risks such as illiquidity and property devaluations based on adverse economic and real estate market conditions and may not be suitable for all investors. A prospectus that discloses all risks, fees and expenses may be obtained from the REIT company. Read the prospectus carefully before investing. This is not a solicitation or offering which can only be made in conjunction with a copy of the prospectus.