Why I’ve Changed My Mind About Waiting—And Why You Should Too!

Early in my career as a financial advisor, someone asked me a question that really struck me: “Why would someone hire you to manage their finances when you don’t even own a home?”

At the time, I brushed off this comment - but deep down, I knew they had a point. Fresh out of college, I was advising clients on their financial futures without having much real-life experience of my own. I hadn’t bought a home. I hadn’t navigated complex financial decisions firsthand. And yet, here I was, helping others do just that.

Fast forward two decades, and that narrative has changed. Today, with two decades of both personal financial milestones and years of experience guiding clients through major life decisions, I’m more financially savvy and confident than ever.

This year marks my 20th anniversary as a financial advisor, and as I reflect on my career, one lesson stands out time and time again: don’t wait—especially when it comes to travel.

The Biggest Financial Regret I’ve Seen

As a financial advisor, I’ve had the privilege of working with people at every stage of life. Many of my clients dream about traveling in retirement—whether that’s exploring Europe, taking an Alaskan cruise, or visiting the beaches of Thailand. But too often, I’ve seen life throw unexpected curveballs.

Health issues arise. Family dynamics shift. Priorities change. Suddenly, that long-awaited trip is no longer possible. The saddest part? The regret that follows.

While financial planning is about securing the future, it’s also about living today. Planning for the future isn’t just about accumulating wealth – it’s about making the most of the time and opportunities available to you. That’s why, when an opportunity arose for me to visit the Maldives and Sri Lanka—two destinations I never imagined I’d see—I didn’t hesitate. My husband’s work provided a window, and instead of overanalyzing or waiting for a “better time,” I said yes.

The Case for Saying Yes

We often think of financial planning as a tool for delayed gratification—saving now to enjoy later. And while that’s absolutely important, balance is key. Here’s what I’ve come to believe:

• Travel isn’t just a luxury—it’s an investment in experiences. The memories you create are priceless.
• Opportunities don’t always come twice. Life is unpredictable, and waiting for the “perfect time” often means missing out altogether.
• Smart financial planning allows you to enjoy both today and tomorrow. It’s not an either/or scenario—it’s about aligning your money with what truly matters to you.

My Advice: Take the Trip

If you’re waiting for the perfect time to travel, reconsider. Life doesn’t always go according to plan, and the best moments often come from saying yes when opportunity knocks.

I returned from my trip to the Maldives and Sri Lanka jetlagged but fulfilled. It was a reminder that financial planning isn’t just about accumulating wealth—it’s about using that wealth to create a meaningful life.

At SMB, we believe in striking that balance between responsible financial planning and making space for meaningful experiences. Here are some of the destinations our team is planning to visit in 2025:

-??????? Macchu Picchu

-??????? Cruise to the Bahamas

-??????? Switzerland

So my advice to you? Take the trip. You’ll never regret investing in experiences that enrich your life.