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As mothers, we often put our children before our own needs. We can’t help it—it’s just how we are wired. But if you’ve ever traveled on an airplane, you’re sure to hear during the safety instructions, “In the event of an emergency, if you are traveling with a minor child, put your oxygen mask on first, then help your child”. Wow!

Chances are you have a pretty good idea what retirement means. Whether it’s traveling across the US, enjoying the sights and sounds of coast to coast exploring, or cruising around the world on a luxury voyage. Or maybe it’s spending more time with your friends, family, children and grandkids. Or volunteering your time working for a charity that resonates with your spirit.

Regardless of your age, the thought of not having to work, but still enjoying a great quality of life is probably quite appealing. Retirement sneaks up on you as each year goes by faster and faster.

We all have a certain emotional attachment to our money, which is very logical since we work hard to earn it. Sometimes we don’t always make the best financial decisions with our spending, especially when we are in heightened emotional states. Have you ever drooled over a certain item only to find that when you got it, you quickly felt terrible for the purchase?

While we’ve all heard from time to time that the best answer is yesterday, there’s no way to go backwards and change the past. That’s why the best answer to this common question of, “When Should You Start Financial Planning?” is today.