According to a National Institute on Retirement Security report, 79% of Americans agree that there is a retirement crisis. It also revealed that over half of Americans are concerned they won’t be able to achieve financial security.  Retirement insecurity may be a daunting reality,​ but on today’s episode Wes sets some theoretical parameters to illustrate potential scenarios and how they might positively affect the future. Planning for retirement can be challenging, but Wes points out that with self-discipline, some savings, and time, happiness and financial freedom may be within reach sooner than you think. Learn more about your ad choices. Visit megaphone.fm/adchoices