I’m not a financial genius. I’m in retirement, and I’ve lived it all, watching the years roll by and wishing I could shout a clearer message about retirement planning for people in their 30s back to my younger self. Today, in the quiet rhythm of this new life, I’m choosing to use every moment to lift those in their 30s who are sorting out money, goals, and a future that may feel distant—and I want you to feel my energy and urgency in every word as you take action now. What I’m shouting today, with every breath: you can change your trajectory, starting now. If you’re in your 30s, you have a decisive advantage—time. Leverage it. Here are the steps I wish I’d taken, spoken aloud with the energy I wish I had when I was in my 30s, and with an open offer to help you take action today. If you’re in your 30s right now, I want to help you turn this energy into action. Here’s how I can support you, starting today: A quick note from the heart: you’re not behind. You’re at a prime starting line, and I’m here in retirement watching the horizon with you. If you’re listening, let’s seize the moment together. I’m ready to walk with you—every step of the way. Tom Rooney