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Sometimes life comes at you fast, especially when you’re staring down a herd of bison in the middle of Montana. In this episode, Tim shares a personal story that starts with a scenic hike and ends with a wild reminder about risk, regret, and reacting under pressure. What began as a memorable family trip quickly turned into a powerful metaphor for how many people approach their financial future: waiting too long, ignoring warning signs, and thinking, “It won’t happen to me.”

Tim connects this close call in nature to the very real dangers of procrastinating in retirement planning. He talks about what the moment taught him about urgency, decision-making, and the emotional weight of “what ifs.” It’s a short, honest reflection with some big lessons: Don’t wait until you're panicked to make a move. Don’t assume you’re safe because you’ve made it this far. And most of all, don’t ignore the bison-sized risks charging toward your financial future.

Here’s some of what we discuss in this episode:

🦬 What a herd of bison taught Tim about control, patience, and perspective

🧭 Why life’s curveballs are a reason to pivot, not pause

🛫 Mental health, joy, and experiences as essential parts of retirement planning

🏒 Blending community, purpose, and passion through the Warrior for Life Fund

🎂 Tim’s turning 50 and crowdsourcing big ideas for meaningful experiences

Book at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html

Website: https://www.dyerwealthmanagement.com/

Phone: 858-459-3937

Email: [email protected]

The commentary on this Podcast reflects the personal opinions, viewpoints and analyses of Sage Capital Advisors, LLC DBA Dyer Wealth Management employees making such comment, and should not be regarded as a description of advisory services provided by Dyer Wealth Management or performance returns of any Dyer Wealth Management Investments client. The views reflected in the commentary are subject to change at any time without notice.

The opinions expressed in this Podcast are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed...