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i wish that i had started sooner i wish id started sooner this is what i hear time after time i speak with 10 to 15 new people each week and they all by none wish they had started planning for retirement earlier and if youre sitting there with this niggling feeling in the back of your mind that theres maybe something more you should be doing that you really need to get around to this but you just havent had the time or you havent known where to start then youre in the right place because in this video im going to show you the three-step process that you need to follow to get back on track im also going to be introducing you to several tools that i have built so that you can work out exactly what you need to do to get to where you want to be [Music] hello and welcome back to the channel for anyone thats new here hi my name is james im a financial planner and this is a place where you can learn to make smarter financial decisions you know how every now and again when youre ai