Joy Wasted with KB Dickey

Let’s have a real talk about a harsh reality many people face: working tirelessly for 30, 40, 50, or even 65 years only to retire without the means to take care of themselves. It’s heartbreaking and, honestly, demoralizing. But here’s the good news—this doesn’t have to be your story. You have the power to rewrite the narrative, starting today.

Retirement Without a Safety Net Is No Retirement At All

Picture this: You’ve put in decades of hard work, only to reach retirement and find yourself struggling to pay for basic needs or relying on others to make ends meet. That’s not freedom. That’s a trap.

And here’s the truth: the government isn’t the safety net you might think it is. If the past few elections have taught us anything, it’s that policies change, and those changes can happen overnight. Nothing is guaranteed. Counting on something temporary to secure your future is a gamble, and it’s one you don’t want to take when it comes to your livelihood—or your family’s well-being.

Start Building Today

Now, I know it’s tempting to push this off. Life gets busy, and thinking about things like retirement planning or legacy building can feel overwhelming. But let me say this loud and clear: Procrastination is the enemy of progress.

Taking small steps today can save you years of stress down the road. Whether it’s setting up a savings plan, creating income-generating assets, or building a side hustle, start somewhere.

And for goodness’ sake, let’s talk about life insurance. It’s not a luxury; it’s a necessity. A GoFundMe campaign is not a financial strategy. It doesn’t build legacy wealth, and it sure doesn’t lighten the emotional and financial burden on your loved ones in the event of a tragedy.

Life insurance ensures your family won’t have to grieve and struggle at the same time. It’s about protecting those you love and creating a solid foundation for their future—even after you’re gone.

Plan for Abundance, Not Survival

You don’t have to settle for just getting by. You deserve a life of abundance, where your hard work pays off for you and your family for generations to come. Legacy planning is about more than just money—it’s about setting an example, providing security, and creating opportunities for those who come after you.

Stop waiting for the “right time.” Start taking action now to create the life you want and the legacy you dream of.

Today is your opportunity to do something your future self—and your family—will thank you for. Don’t wait. Plan. Build. Secure.