Most people don’t start working with a financial planner until much later in life–but the early years are some of the most important in financial planning. Kicking off our series Planning by the Decade, this episode is specifically geared to those in their 20’s as we explore the powerful role of mentorship, continuous learning, and the significance of a personal mission statement.  Wayne shares his journey of self-reflection and his transformation through disciplined financial practices. One other core message: the impact early investments can have on your financial future. We'll discuss the nuances of good versus bad debt, the importance of estate planning, and the crucial steps to maintain financial independence. Wayne also offers practical advice on balancing work and passions, building grit and resilience, and understanding the essential role of credibility in influence. Whether you're just starting out or looking to refine your financial strategy, this episode is packed with wisdom to help you envision and achieve more. So, grab a pen and paper—you're going to want to take notes! KEY HIGHLIGHTS: Qualities of great mentors The goal of outgrowing mentors Personal mission: Being a net giver Simon Sinek's "Start with Why" Deferred investment: Financial literacy in leadership Good debt (cashflow) vs. bad debt (expenses Importance of early investments: Long-term leadership vision Living below your means Building resilience and humility Broadening your vision through reading KEY LINKS: Envizion More: http://www.EnvizionMore.com  Vizionary Wealth: http://www.VizionaryWealth.com  Our Facebook: https://www.facebook.com/VIZIONARYWEALTH  Wayne’s LinkedIn: https://www.linkedin.com/in/waynewagnerjr/  Disclosures: http://www.VizionaryWealth.com  Production & Marketing by Evergreen Financial Marketing, a specialized firm for financial advisors and RIAs: https://www.evergreenfm.com/