Federal Employees Retirement & Benefits Podcast by CD Financial
The objective of this podcast is to educate and enlighten you about your federal benefits and to guide you in creating a well-formed retirement income plan.
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Federal Employees Retirement & Benefits Podcast by CD Financial
I wish I knew This About Saving & Investing When I Was Younger
“I wish I knew earlier that starting saving and investing young turbo-charges your future wealth through compound growth, better retirement planning, and smarter money decisions.”
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“Start your Roth IRA early, let compound interest work, and build an investment plan that grows with you — because time is your greatest financial advantage.”
Building wealth isn’t about how much you make — it’s about when you start and what you do consistently. Studies show that early investing gives your contributions more time to grow through compounding returns, outperforming later, larger contributions.
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👋 WHO AM I?
CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.
⏱ TIMESTAMPS
0:00 Intro — What I Wish I Knew About Saving & Investing When I Was Younger
0:23 Roth IRA for Young Adults — Why Starting Early Matters
0:56 It’s Never Too Late — How to Start Saving and Investing Now
1:22 Avoid the Wrong Account — IRA vs 401(k) vs SEP IRA Explained
1:50 The Value of Proper Guidance — Building a Long-Term Financial Plan
2:17 A Better Plan, Not Working Longer — Retirement Strategy Mindset
Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.